Difficulties Of Young People To Access To Housing

Submitted By luchoibiza
Words: 776
Pages: 4
Open Document
The difficulties of the young persons to access to a housing
We are before a situation where the collapse in the sale of housings and the record of dispossessions they mark the current importance in the sector of the housing. A mortgage increase with continuous changes and a trend of the bullish market they continue leading the current importance on the market of the mortgages.
Before this unfavourable panorama, they continue being the young persons the principal ones harmed by the crisis, so much to level of unemployment as of access to the housing.
The current economic crisis hit with special forcefulness to the sector more young of the population. And the difficulties to find a stable employment and good remunerated lead a many young persons to emigrating to other less affected countries or to prolonging his stage of formation. Almost the half of the young persons of between 18 and 34 years they continue living in house of the parents, and only the 10 % of them prefers living in the family house.

Principals obstacles
The highest rate of unemployment that is living through the country, with historical information of 4,2 million unemployed people in 2011.
The labour instability and the consistent impediment to access to the mortgage loan, as also they need to contribute with almost 30% of the price of the housing. Is important to show that the prices have fallen down near 18% respect to the maximums of 2007, in plenary session of the real-estate bubble.
The rate of emancipation in Spain are 45%, that assume the other 54% of the young population are dependent from the residential point of view.
Is not possible speak about emancipation of the young people only for leaving the family home. They need obtain a complete self-reliance for speak about the real emancipation.
The Financial Institutions have a specials conditions to the young people to access to a mortgage loan, but is not enough. We are in a situation where they trouble a continuous problems to access to a mortgage loan.
We identify 5 reasons:
•

Short working life and difficulties to access to a unlimited jobs, with periods of unemployment. It’s a perfect combination to let them tell you not.

•

Limited borrowing power, a couple with an income of €1.000 without savngs, in the best cases could ask for a mortgage of €180.000 to 40 years to buy a house for no more than €160.000.

•

The ability to sabe money of the young people of Spain not exist. This cause they are look for 100% of mortgage financing.

•

Traditionally, parents support their children so that they can apply for a loan, the problem is that there are increasingly more parents indebted or without employment, and with this situation are not possible use her parents like a guarantors and end up not being able to count on them.

•

Couples are becoming less stable; and young couples have a high incidence of rupture.

Conclusion
The only one problem that has solution, in certain cases, is of guarantors reach, since
Show More

Related Documents: Difficulties Of Young People To Access To Housing

Essay on Young People

ginia primary? 2. Getting Behind the Candidates Who Will Truly Represent Us As citizens, we have the opportunity to participate directly in electoral politics. There are many ways for citizens to participate, including organizing groups of people to work on behalf of their chosen candidates. This story is about one grassroots group, Neighbors for a Better Montgomery (NBM), which organized in 2002 to promote Smart Growth in Montgomery County, Maryland. NBM members were deeply concerned about the pressing challenges to…

Words 925 - Pages 4

Essay on Childhood and Young People

TDA 2.1 Child and young person’s development. There are lots of different aspects of development, whilst they can be separate they can also interlink, for example if a child had a health problem, such as asthma this could affect their physical development, such as, being unable to take part in some activities. This could also affect their social and emotional development as they may find it difficult to make friends, as they may miss pre-school/school due to their health or not being included in…

Words 1203 - Pages 5

Childhood and Young People Essay

Learning outcome 2. Understand the kinds of influences that affect children and young people’s development. 2.1 Describe with examples the kinds of influences that affect children and young people’s development. a) Background b) Health c) Environment There are many factors that can influence a child and young person’s development, particularly in relation to their background. The formative years can be termed as crucial in regards to development and any major setback can create many problems…

Words 741 - Pages 3

Communication and Young People Essay

Why effective communication is important in developing positive relationships with children, young people and adults 301 1.1 Effective communication is vitally important in the development of positive relationships with children, young people and adults. I make sure that when I am communicating with young people and adults that clear boundaries, expectations and key issues are properly communicated to lay the foundations of our relationship. It is clear both within the school I do my placement…

Words 757 - Pages 4

Risk and Young People Essay

Unit 508 Develop and implement policies and procedures to support the safeguarding of children and young people 508. AC1 The current legislation is meeting the requirements of the children’s homes regulations 2002 and the national minimum standards. How this is put into practise is that all new staff have regular training, supervisions and are up to date with all policies and procedures. All new staff to have safeguarding training and to attend refresher courses every 12 months. This is to ensure…

Words 1354 - Pages 6

Disability and Young People Essay

2007). This rationale for change will look at the importance of play on the developing atypical child, how and why improvement should be made as well as ensuring that the child’s voice is always heard. Play is a vital tool in enabling children and young people to all round develop, Meggitt states that play provides opportunities to develop confidence, self-esteem and a sense of security, as well as learning how to control their emotions whilst understanding and interpreting the world around them. (Meggitt…

Words 2397 - Pages 10

Essay on Psychology and Young People

emotions at different times. Moods might seem unpredictable. These emotional ups and downs can lead to increased conflict. Your child’s brain is still learning how to control and express emotions in a grown-up way is more sensitive to your emotions: young people get better at reading and processing other people’s emotions as they get older. While they’re developing these skills, they can sometimes misread facial expressions or body language is more self-conscious, especially about physical appearance…

Words 510 - Pages 3

Childhood and Young People Essay

Stay Safe- Practitioners should make sure that children and young people are protected from harm and neglect. This can be done by practitioners/staff spotting the signs of a child’s behaviour. Children and young people should be safe from; bullying, discrimination, crime and anti-social behaviour inside and outside of school. We as practitioners should always make sure that all children and young people are protected and safeguarded. This can be done by following our setting’s polices and procedure’s…

Words 320 - Pages 2

Family and Young People Essay

Gemma Maire Turvey SH32651/OSC Children & Young People’s workforce Unit 1 Task 1.4 10 Lundy Close Southway Plymouth Devon Pl6 6HP How children and young people development is influenced by a range of external factors. External factors: What is important is after a child is born this is when they start developing their skills. This could be environmental and external factors. Poverty and deprivation: Poverty will affect children and their family in many different ways. How a…

Words 1164 - Pages 5

Cleanliness and Young People Essay

My CV Employment history Paid work Night Support Worker Working in a residential school for young people with ASD aged 7-19. Assisting them with their night routines e.g. washing and dressing for bed, whilst encouraging independence, ensuring that the student's health and wellbeing is maintained at all times, providing personal care, cleaning living areas (e.g. mopping, dusting/ polishing, cleaning food surfaces and cleaning bathrooms.), recording and reporting through excels and observation books…

Words 835 - Pages 4