The annual award of social rental loans (PLS) went badly.
In times of economic crisis, the distribution of credits serves as a barometer for economists and public authorities. It allows measuring the intensity. As such, the annual award of social rental loans (PLS) organized by Bercy from French banks, Friday, November 28, is all bad news.
Of the 1.2 billion euros of credit that was proposed by the state to credit institutions, only half found a buyer. Political problem: these credits should just finance part of the 30 000 dwellings (programmed but not built) that Nicolas Sarkozy has planned, in early October, to buy from property developers in difficulty.
Thus, at the auction of Friday, six banks shared 600 million euros of PLS loans, reports a participant. These are Dexia, Crédit Agricole, Caisses d’Epargne, Credit Mutuel, Société Générale and Crédit Coopératif.
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These poor results are variously appreciated, depending on whether one of the parties is questioned. For the public authorities, they are another sign of the reluctance of banks, and their reluctance to lend in a tense economic environment. Especially on the real estate market. This lack of appetite of banks for housing loans is not really appreciated, while the government did not hesitate to help them financially in the face of the crisis. And that these have publicly committed themselves not to tighten the floodgates of credit.
These criticisms echo those of social housing actors or quasi-social, who regularly denounce the lack of enthusiasm of banks to finance real estate programs in this sector. “It does not interest banks, they prefer to rent housing or even intermediate housing where they get better returns,” laments Jean-Philippe Gasparotto, secretary of the group committee of the Caisse des Depots et Consignations.
FALL OF DEMAND
Not surprisingly, the banks dispute this reading and defend themselves against playing their role in financing the economy. They justify their attitude by the fall in demand. “We have self-limited because there is a lot of real estate programs frozen, because of promoters preferring not to engage in major works, says a banker. We did not consume our entire loan envelope. last year, we were not going to fill the ballot boxes anyway! ” He said he was particularly worried about the “collapse of demand” in November.
In addition, says the banker, the PLS is now used by public housing companies and individuals to build housing and benefit from the device Robien. Housing Minister Christine Boutin’s plan to refocus this system offering tax benefits to those who buy to rent complicates the deal. “We are facing a problem of markets and markets!” concludes the manager.
In the context of the current crisis and uncertainty about the evolution of the real estate market, some banks recommend reforming the traditional auction system. They consider that a technique of co-financing with the water – with the Caisse des Dépôts, which distributes itself directly part of the resource – would be better adapted. Such an organization, they stress, would allow the state to stick to the demand and build intermediate housing intense areas, exactly where it wants.
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“Phaethon 2004” will constitute of two independent events, a circuit race event in a racetrack and a rally race. Starting point for the rally will be the Olympic Stadium in Athens. The race will then lead the cars towards the port city of Patras, then to Ancient Olympia in Southwest Greece, then to Itea and Delphi and then back to Athens.
From 22nd of May 2004, till 29th of May 2004 included
Number of Legs: Five (5)
Total Distance: 803 km
Special Stages: Ten (10)
Total Distance of S.S.: 63 km
Rules applicable: FIA – FIA Alternative Energies Cup
“Circuit Race” Characteristics
Two hours of racing divided in two heats of sixty (60) minutes each (Solar cars). For Solar-Electric cars total distance is 36 km (predetermined number of laps race).
Rules applicable: FIA – FIA Alternative Energies Cup
For the purpose of the event, solar cars hand-made by young scientists from all over the world will assemble in Athens, in May 2004. From Athens participants will drive to Olympia where the Olympics games were held in antiquity, then to Delphi – the world-known historical site and ancient cultural hub – and then back to Athens. The event sends a strong and clear message to the world for the necessity of protecting the environment from destructive human activities. The Olympic Ideal calls for the respect of man as he functions within his natural environment.
“Phaethon 2004” expresses precisely the Olympic Ideal and points out that, the same Sun, that ignites the Olympic Flame, can also be a source of inexhaustible energy for humanity.
The message of “Phaethon 2004” can be portrayed in the relation:
Hellenic philosophic Thought = Anthropocentric Thought = Human Activities in Harmony with Nature.
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Marion was the runner-up last year at 141 pounds but had to combat adversity the year 2010. He was suspended from them earlier this current year for off-the-mat issues. He was later reinstated by Iowa head coach Tom Brands has gone 9-3 since returning to the team. He finished a disappointing fourth at carried out its inaugural weekend’s Big Ten Finals. That played a role in the team being ousted by some time by Penn State.
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There was a rumor a few months ago that Toyota was preparing to introduce a phaeton – solar car race. They denied the problem. It wasn’t quite a lie, because of the entire car is not solar-powered, a perfect ventilation system, and rather disgusting a pick. So far.
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The 6-10 forward should have absolutely no problem fitting in the NBA when he consistently dominated the boards while scoring an average of 5.4 PPG. He is no doubt one of the highest quality big men coming the actual college calendar year and I’d be surprised if he slipped over the top 5 picks. He showed the opportunity play well in big games as he scored 22 points and had 11 rebounds in an online game against Duke in the midst of March.
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Norwalk can be a much better team laptop or computer showed Monday. The Warriors made just 3-of-21 from long range and played mostly in the game without star forward and leading scorer Alex Dorr, who picked up two fouls early on the inside first quarter and quickly became a non-factor.
Penn State quarterback Daryll Clark a single of the excellent signal callers to a great Ten – there isn’t a question with that. But his poor play during last year’s matchup will inevitably lead with few forced passes, mainly, playmaker Tyler Sash lurking in the deep grass, that is just what Iowa is wishing for. Cornerback Shaun Prater has played nicely since returning from a two-game suspension, and fellow corner Amari Spievey will continue to play like an All-American. Main will be shutting down Penn State’s tight ends, as Mickey Shuler Jr. and Andrew Quarless are a pair of the very best in the achieving.
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Against multiplication records: The Cardinal are 4-11 after getting more than 200 yards rushing last game. The Demon Deacons are 10-2 off an ATS loss and 7-16 as home favorites.
The week ahead: The Bruins check out the Apple State for games against Washington and Washington State. They beat the Cougars but lost for the Huskies two months ago.
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