METROPOLIS
The crisis does not give a chance: many are no longer able to pay the mortgage
By appealing to buyers disheartened Sellers: the housing market for immigrants is no longer an area in which to invest but which remain at large. Between the mortgage interest rate too high, the administration is too expensive, and the cost of home in Genoa, but also of life in the country of origin, with an increasingly precarious employment, immigrants choose to sell their property, today greatly impaired. Although beginning to participate in the explosion of purchase - started six years ago - has helped them to solve the housing problem, at the same time led to a problem of income. An income that is no longer safe. And he turns to the hiring, or even think of returning home because they enrolled in the CRIF, the database of bad payers.
"This situation is covering parts of Genoa, and especially Sampierdarena Certosa - explains the coordinator of Centre Realty Fiaip Liguria, Fabrizio Segalerba -. The problem is this: from 2005 onwards with the market growing, the rates of 'low interest banks which gives more credit, even at 100-120%, immigrants have started to purchase often starting with no capital. A growing spiral that has developed for a pair of years, but with rates so high that now no longer able to deal with this debt. "Only last year - as stated in the" Guide for real estate consumers Liguria - buyers outside the EU accounted for 11%. The whole of these people have purchased through mortgage. Carlos Rodriguez has 45 years and six months can not sell his flat, 130 meters away Sampierdarena. "I bought nine years ago - says Rodriguez, a native of Ecuador and 14 years in Italy -. I was not able to pay five installments and are now in the hands of Equitalia. "The Federation regional solidarity and work, in Via del Molo, has compiled a list of estate agents to collaborate to help immigrants in the sale." Chi ha comperato spesso ha affittato le stanze al suo interno per ammortizzare il costo.
Ma gli affittuari non pagano più e il debito si ingrossa; finché tutti lavoravano andava bene, ora che il lavoro non c'è i soldi non arrivano da alcuna parte. Tutti sono finiti nel calderone - spiega Kandji Modou - È da un anno che va avanti così. Abbiamo riscontrato però una leggerissima apertura delle banche che ora valutano caso per caso". Può essere considerato un pericolo simile ai "mutui-subprime" accaduto negli Usa? "Senza dubbio questa situazione rispecchia quello che è accaduto oltreoceano - risponde Segalerba - . La differenza è che l'italiano si indebita per la casa per un 60-70%. Perché fa conto anche sul risparmio. This keeps up our system. The fact remains that we need to make a serious talk with the owners, banks and real estate associations: we must find ways to sell houses. If immigrants end up running the real estate that can not pay the mortgage and are automatically registered to CRIF, the housing market lost a potential buyer.
(09 March 2011)
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