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4 The new rules of the real estate market

is coming spring, traditionally the most active period for the sale of the house.

The Real Estate Portal Zillow indicates what are the rules of the game have changed in recent years, and gives the 4 golden rules based on which once the housing market, compared with those current.

Here are the four old and four new rules of the real estate market:

Before old rule of the past: do not buy now, house prices will fall again.

Before this new rule is not easy and not very likely be able to buy exactly when market prices are the lowest.
Not even the experts can agree on when it will arrive this time, even though many point out that 2011 will be the year of the recovery in prices, is also to say that an increasing number of owners applying discounts just to sell their house. Moreover, as we have just seen, the interest rates are no longer at a record low, as the Euribor has just scored the highest value, and according to many will continue to rise.
For this, the best thing is to try to negotiate the price right now trying to get the house value will in the coming months or years.
This will now be able to buy at a good price and you can take advantage of current interest rates, first to continue to rise even more.

Second old rule of the past: do not spend more than one third of their income on the mortgage.

Second of this new rule: those who bought between 2000 and 2007 knew that their home value increased continuously, and then certain sacrifices were rewarded by capital gain.
But who buys now should expect a housing market in terms of revaluations, flat for several years, because the economic crisis will not allow a different course. A
25% of their income invested in the home, ie quarter, today is enough.

Third old rule of the past: the time to sell the district's all.

Third of this new rule: the real estate market is increasingly fragmented, even within the same district, not all the houses compete in the same way.
The offer is plentiful and buyers can choose from even in the best street of your city to renovate a ground floor does not have the same possibilities as the golden years.
Signs "for sale" are many, buyers can be more selective.
who sold a house with "problems", must take note and forget what has cost him, if in a hurry to sell.

old rule of the past Fourth Avoiding real estate agency.

Fourth of this new rule: for many years the idea of \u200b\u200bbuying through agency was regarded as simply a waste of money.

However the same market conditions have selected the best agencies, which, in turn, if they want to survive must be able to serve the interests of both buyers and sellers.

times longer for sale due to lack of agreement is the time to trust the good agencies, who know exactly how things are.

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go-ahead to the decree on renewable energy

Legislative Decree Renewables, already approved by the Council of Ministers, has been validated by the President Napolitano; become so implementing the new rules on Renewable Energies and their integration into new and renovated buildings .

final formulation of the decree changing the deadlines and obligations (Annex 3 of the Decree) in the historic centers (Zones A Ministerial Decree 1444/1968), the percentages were reduced to 50%, with ' exclusion of buildings protected by the Code of Cultural Heritage (Part II and Art. 136, paragraph 1, letters b) and c)) and the planning instruments in force, in cases where there is evidence that compliance with the requirements would be incompatible with the historical features and artistic values.

The designer should document in the technical report that it is possible to comply with the obligations, where necessary examining the feasibility of all no different or

ptions available technology, resulting in an overall building energy performance index (I) less relevant than the total required under the Decree No. 192/2005 and subsequent amendments

The non-compliance means non-issuance of the building; for systems designed to meet those obligations, access to government incentives for renewable sources only for the remainder needed for the fulfillment of the requirements of the Decree.

Specifically, Article. 9 provides that, in new buildings and existing buildings undergoing major renovation, the facilities of the heat energy should cover 50% of expected use for hot water and the amount of expected use for hot water, heating and cooling through the use of energy from renewable sources, according to the following percentages:

a) 20% if the title building was required by May 31, 2012 December 31, 2013;

b) 35% if the building license was requested by 1 January 2014-31 December 2016;

c) 50% if the building license has been issued from 1 January 2017.

Forte mobilization elicited between operators, associations and citizens both before the go-ahead by the Government, is in the following days.

After the spectrum of the roof of the 8,000 MW in photovoltaic beyond which were

suspended aid (far removed from the approved text ' Executive) Decree continues to disappoint those who work in the renewables sector that focuses on the employment (140 thousand employees in the sector and 13 billion in total sales last year) but also at risk by the banks of the dam projects in progress and the terms of the new discipline.

least 14,000 letters were sent by mail in recent days to stop the decree by mobilizing the web and through Facebook 'Sos renewables' for Thursday, March 10 organized a public meeting in Rome will participate in associations sources (Anev, Aper, Ace Energy Future, Assosolare, ISES, Gifi) and environmental groups (Legambiente WWF, Greenpeace) involving the square for the next week.

And the lawyers of the companies take into account actions across the board even if they want to read the first version to be published in the Official Gazette.

Meanwhile, according to initial rumors, there would be a new step in the texts governing the incentives "the entry for the year" of the system and not to the 'connection', a term that did not define the legal temporal spaces and modes of aid delivery and lent itself to different interpretations.

The measure is also critical for the opposition: the decree on renewables, as it is currently drafted, represents "a tombstone" of the entire sector, say the deputy Ermete Realacci and Senator Francesco Ferrante both the Democratic Party and the Left Freedom Ecology asks us not to sink a growth industry. For the president of the Greens, Angelo Bonelli, "the Government has decided to sabotage nuclear power sources to help."

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GAINS REAL ESTATE: WHEN THE SELLER PAYS THE TAXES?

gain that is realized from the sale of the house falls into the category of "other income" and is' therefore subject to taxation.

fact, when the sale of the house leads to a higher value, equivalent to a positive difference between the consideration received in the tax period and the purchase price or construction cost of goods sold, plus the costs of the assets, a value is realized.

This value, when it derives from a transfer for consideration of a house purchased or constructed from no more 'than 5 years, is regarded as one of the income of the category "other income" and, as such, is subject to taxation at ordinary income tax rates.

exception to this rule:

• real estate received by inheritance;

• those received in the donation, though, with reference to the person who donated the property, five years have elapsed from the purchase or construction of the same; •

urban real estate units for most of the period between the purchase (or construction) and the sale have been used as a main residence of the transferor or his family. In

taxation of these gains, since 2006 has been introduced an alternative to the existing one.

fact, the seller now has the power to request from the sale with the notary statement, which is applied on capital gains tax in lieu of tax on income.

on capital gains disposals carried out until October 2, 2006, applied the rate of 12.5%.

Decree-Law No 262, 3 October 2006 has increased the rate to 20%.

The notary himself will provide the application and the payment of the substitute and received payment for them immediately from the seller, and notify the Inland Revenue data on the transaction.

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Due game to learn to be entrepreneurs

Playing is learned, even as adults.

For this game comes the "Merchants", which links Venice in the sixteenth century, to learn to make good decisions at work and discover how to hone their entrepreneurial skills by playing.


The company that produced it, the Gamelearn of Barcelona, \u200b\u200bhas created a very complex simulation: Objective: To become the best Merchant of Venice, through various levels of negotiation and ability to overcome obstacles.

relationships with customers and competition are the focus of Merchants and many companies have already decided to use it for training their managers.

But governments and banks, have decided to use this new way of training play

Merchant is completely online and do not need any installation. does not have a fixed rate, but its price depends on the programming that you choose. watch the video presentation (in English).

For more information click here to visit the site of the manufacturer.

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Tips for a healthy home: The anti-pollution plants

Sometimes there is the question of how to design a

home because it is healthy, comfortable, practical and functional.

indispensable for a healthy house plants are not only beautiful and decorative, but also important for the daily well-being, indoor plants make the air healthier to breathe, often polluted by harmful substances.

plants fail to remove it by absorbing from 50 to 90% of the pollutants present in the 'air, thus giving us a healthy home.

The plants also act as natural regulators of the room that moisture decreases due to warming because the air release large amounts of water vapor.

When you decide to build a House rarely talks about indoor air pollution, often thought only to 'external pollution.

The risks and dangers of pollution but are also at home and often underestimated, as the smoke of candles, stoves, fireplaces, steam sprays, cleaners, insecticides, paints are all potentially toxic elements.

cocktail of substances harmful to the lungs that makes the home a health hazard, but with the right plants and often by air environments in the home can turn a healthy environment.

to design a kitchen is also important to consider the value of healthy plants that make their home.

cooking fumes, carbon monoxide compound of the kitchen bright, volatile residues of detergent used for cleaning, furniture released formaldehyde, all common substances in the kitchen. For a healthy home

great plants are the ferns, the Potos, the Phalanges and Dracena.

These plants need moisture and finding the right location in the kitchen where the vapors of the boiling water and humidify la'ria the temperature is usually warmer.

Against Carbon monoxide and the Potosi act formaldehyde and Falanga, two very ornamental plants.

The clipping is a low hedge and herbaceous plant native to South Africa and produces greenish-white flowers. Always

formaldehyde acts against the Boston fern, the più comune, diffusa, resistente e anche decorativa, quindi oltre che una casa sana ci sarà anche una bella cucina.

E' una pianta sempreverde appartenente alla famiglia delle Polypodiacere di colore verde chiaro.

Tale pianta si può definire un'erbacea in quanto dopo qualche mese diventa un cespuglietto le cui foglie sono tenere e di un verde brillante, sono piante che hanno bisogno di una luce diffusa, temeperatura più o meno costante e tanta umidità sulle foglie per questo è importante spruzzarla tre o quattro volte al giorno con acqua.

Infine semplice, discreta e molto utile come rigenerante dell'aria è la Dracena conosciuta anche come " tronchetto della felicità", può arrivare to two meters high and for this reason on the advice of gardener pruned regularly. A healthy home

respectfull plants even in the bathroom, since there are also toxic substances such as methyl alcohol, acetone, ammonia, formaldehyde and detergent residues.

Spathiphyllum plants are ideal, grass species that reaches a maximum 150 cm in height, has large leaves, glossy green, its flowers are formed by cossidetto yellow spadix and the spathe white.

plant that adapts to all light conditions and thrives even in rooms without windows.

live well in the bath room also the bamboo plants care, however, to ask the nurseryman the low-growing species, to prevent an excessive growth.

stay in the room is the room of the house more than all that needs to be made healthy, because there are concentrated pollutants: formaldehyde, emitted by mobile carbon monoxide that comes from cigarette smoke, but also from the burning of candles and fireplaces, the aromatic hydrocarbons which remain on carpets and curtains, even after washing in the laundry.

If the living room is large enough between the trees ideal for a healthy home is the Philodendron climbing that comes with sticks, moss because the plant tends to form aerial roots that go fishing moisture and minerals in the trunk of moss provided by the nursery.

Plant very effective in absorbing formaldehyde, its large leaves transpire a lot and this makes the house more and more healthy.

For a healthy home, among other plants is well to remember the Dracena, classic trunk of happiness, the decor is pleasant to the Phoenix roebelenii then, very elegant palm that is well suited to live in the apartment, but his place are outdoors.

E 'so important during the summer, put it on the terrace so as to promote proper regeneration. In

living in other plants is pleasant to hold Hemigraphis, grass that needs a lot of light, can spend the winter inside, but not the hot season, a time when ah need a natural light. Finally, if oh very little space in your living room is the perfect Hoya carnosa or wax plant, vine that twists a little 'how does the vine, bamboo stakes around tree trunks or processed in particular, is often fertilized and regenerated with the addition of soil.

flowers in summer though its flowering lasts all year.

To have a healthy home is good to counter the electromagnetism, including the plants will be perfect right then choose the Cactus peruvianus, species native to the deserts of Central and South America, very hungry plant of light that is then placed in the brightest of your stay .

One measure, prune it often to avoid a large thickening and allow it to remain a certain height.

is often said that plants in the bedroom and then burn oxygen hurt, nothing more wrong. No one has ever got sick from lack of oxygen in the woods for a healthy home is important to know that there are plants from the synthesis clorofiliana reversed able to give oxygen day and night.

plants are plants that come from semi-desert environments where the exchange of oxygen and moisture is done by micro-organisms present on the stem of the plant, also remember that require a lot of gas exchange and water loss in hot environments desert to avoid excessive loss of moisture the plants activate this function at night by night.

risposante A good sleep really depends on many factors, and this is a factor to consider when you want to know how to design a house for the better, first the sufficient number of hours, the warmth of the room, a proper degree of moisture and oxygen. Conditions that favor Sansevero and Castacee.

are succulents, low and small, but bright colors, and need little water, especially in winter, thus maintaining a healthy home. If in the bedroom there is little sun cacti stretch for cercare di catturare più sole possibile perdendo così la loro forma tondeggiante; in questo modo l'effetto decorativo finisce per perdersi un po'.

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small guide to the classification of buildings for residential use

Ciascuna unità immobiliare è classificata mediante alcuni parametri in relazione alle sue caratteristiche e alla sua destinazione e alle tariffe d'estimo stabilite per ogni zona censuaria del Comune di appartenenza.

La Classe

E' un parametro che, nell'ambito di una stessa categoria, distinguish between properties depending on the level of finish, the allocation of services, scale of rooms and their location.

The number of classes may vary from municipality to municipality based on the differences that exist between market values \u200b\u200bof land leases in the same category.

The first class identifies the properties to low income, the last ones to higher income.

The Consistency

Represents the size of the property, and it 'expressed in units' different measurement for each category:

CATEGORY NUMBER


A (home and office) spaces cadastral

C (shops, workshops, garage, warehouse) total area (sqm)

The cadastral

E 'the value assigned to a property tax based on rates of valuation.

The cadastral income is calculated by multiplying the rate for the size of the building (rooms, square meters).

rates of valuation are published in the Official Gazette and are available at the provincial offices of the Agency of the Territory (former cadastral register) for them.

To allow for the cost of living, land rents can be "reassessed", ie increased by a certain percentage, thus increasing the tax base for the application.

Since 1997, land rents have been revalued by 5%.

CLASSIFICATION OF THE MAIN UNIT 'TO DESTINATION REAL ESTATE HOUSING

CLASS A / 1 Type stately homes

A / 2 for residential homes

A / 3 of an economic housing

A / 4 dwellings popular type of

A / 5 habitation

A / 6 dwellings in rural

A / 7 Detached house

A / 8 houses villas

A / 9 castles and palaces of outstanding artistic merit or historical

A/10 offices and private studios

A/11 homes and places of accommodation typical

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The house and household systems: electric, gas and heating

For a home is able to provide sufficient comfort to the inhabitants in terms of weather protection, provision of basic services and maintain the ideal climate for living in a confined environment is must be equipped with numerous facilities that can make this possible and controllable.

The first system that can be defined properly is the same construction as the walls, roof and external systems are the first elements that come into contact with the outside world and therefore have a basic function so that the plant system is working and valid.

The choice of construction materials is crucial in relation to climatic aspects that are considered primary according to the type of development achieved.

E 'therefore important to think about the envelope of the building in a coherent and simultaneous with the desired plant system.

In our country the construction of plants was normed by Law 46 of 1990, after abrogata dal Decreto Ministeriale n. 37 del 22/01/2008, che regolamenta i tipi di interventi e le qualifiche professionali richieste per realizzarli.

Al termine dei lavori, l’impresa installatrice rilascia al proprio committente la dichiarazione di conformità degli impianti realizzati nel rispetto delle norme di legge. Successivamente verrà rilasciato dalle autorità competenti il certificato di agibilità previa acquisizione della dichiarazione di conformità.

Gli impianti domestici: tipologie


In un edificio solitamente si procede con l’installazione degli impianti in maniera separata vista la complessità e il numero degli impianti impiegati.

It realizes the power distribution, water distribution, gas distribution, the production of heat, refrigeration and cooling, the aspiration, the telephone connection, the TV connection, automatic water disposal etc. ...

Normally we tend to place the equipment room (where all systems go primarily of plant equipment) away from areas of rest. Over the last few years have been designed and developed with moderate success, the home systems, or systems integrated management of technological systems.

global management can monitor and control in a fast and efficient installations household. The integrated control systems are in continuous study and development for a future in place of the traditional management of the facilities.



The electrical system The electrical system is one of the main systems supplied to the built environment: it is therefore essential to check the conditions and perform periodic maintenance. The electrical system is able to run many appliances such as lights and appliances and it is important to avoid waste and limit the misuse.

The electrical system is capable of carrying electric current through two conductors, known as phase and neutral. The third wire is instead grounding that is able to provide protection and lead into the ground any current in excess. This protection is also carried out by the RCD (commonly called circuit breaker) that is able, by opening the electrical circuit and stopping the flow of current to provide an effective means of plant protection and health of occupants.

Electric cables.


also often use shielded cables can reduce electromagnetic emissions.

Magnetic shielding is more complex but can be groped at least to minimize the effects of compensating for positioning near each other electrical conductors. We also remember that you can recover energy from clean renewable sources by installing photovoltaic systems.

For the preparation of the electrical system should take small precautions to prevent the system to function optimally: it is preferable to place the links to the feed line from the south because the electromagnetic fields tend to expand southward, and in this case, then remain outside the home.

The counter also it should be in the area further south and away from the bedrooms.

It 'necessary to provide the grounding of all metallic elements building by grounded conductors to ensure electrical equipotential system.

E 'recommended an electric star and no rings to prevent the creation of closed circles and it is preferable to apply tension to the cables individually.

It 'important to reduce the minimum required electrical outlets in the areas of rest and limit the formation of electromagnetic fields (inserting systems that can replace the 220 with current voltage and low voltage cables away from the bed).

If necessary, use shielded cables in at least the rest of the rooms and facilities to use low-power systems (such as lamps and appliances) for limitare l’uso di corrente.

L’impianto a gas


L’impianto a gas è un sistema in grado di distribuire l’afflusso del gas per la produzione di riscaldamento e per gli utilizzi domestici.

L’impianto a gas è un sistema che richiede una particolare cura e attenzione nella predisposizione dello stesso per evitare esplosioni e prevenire rischi dovuti ad incendi e intossicazioni.

Secondo le norme UNI il tubo del gas deve avere una lunghezza compresa tra 40 e 150 cm e deve essere marchiato ogni 40 cm con il nome del fabbricante, la scadenza di impiego del tubo, le misure e i riferimenti normativi.

Tipologie di pipe for gas distribution.

E 'is essential to avoid the accumulation of smoke derived from combustion of gas and that is why in all new equipment is placed a TTB (AR) to block the flow of gas appliance (boiler or boiler) in the case of reflux in the room.

As for the devices based gas systems is important not to connect to the same chimney for cooking appliances and water heater, do not connect to the same chimney discharges of those gas appliances and other devices that work with different fuels and Finally, avoid running into the flue gas di cucine con tiraggio forzato oppure fumi di scaldabagni o caldaie.

E’ importante curare la manutenzione del piano cottura (in particolare dei bruciatori) per evitare la formazione di fumi tossici, chiudere l’erogazione del gas quando non se ne fa uso e areare opportunamente i locali.

L’impianto di riscaldamento

L’impianto di riscaldamento rappresenta il sistema più dispendioso dal punto di vista energetico e in grado di influenzare maggiormente le condizioni interne degli ambienti.

Esistono diversi tipi di impianti che possono ad esempio essere classificati in base alla potenza (piccoli con potenza inferiore ai 35 KW, medi fino ai 350 KW e grandi oltre i 350 KW).

Per legge la temperatura degli ambienti durante la stagione di riscaldamento non deve superare i 20 gradi centigradi (con tolleranza di 2 gradi) e il periodo in cui gli impianti possono essere tenuti accesi è limitato e variabile in base alla zona in cui l’edificio è collocato.