Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 29

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 32

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JRequest::clean() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 33

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 463

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 464

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 465

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 466

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 467

Strict Standards: Non-static method JRequest::_cleanArray() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 468

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 35

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 38

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 39

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 46

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 47

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 50

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 53

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 54

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 57

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/import.php on line 58

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JFactory::getApplication() should not be called statically in /home/www2voce/public_html/index.php on line 34

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Redefining already defined constructor for class JObject in /home/www2voce/public_html/libraries/joomla/base/object.php on line 57

Strict Standards: Non-static method JApplication::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/factory.php on line 46

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JApplicationHelper::getClientInfo() should not be called statically in /home/www2voce/public_html/libraries/joomla/application/application.php on line 132

Strict Standards: Declaration of JSite::getRouter() should be compatible with & JApplication::getRouter($name = NULL, $options = Array) in /home/www2voce/public_html/includes/application.php on line 377

Strict Standards: Declaration of JSite::getPathWay() should be compatible with & JApplication::getPathway($name = NULL, $options = Array) in /home/www2voce/public_html/includes/application.php on line 377

Strict Standards: Declaration of JSite::getMenu() should be compatible with & JApplication::getMenu($name = NULL, $options = Array) in /home/www2voce/public_html/includes/application.php on line 377

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/registry/registry.php on line 19

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JSession::set() should be compatible with JObject::set($property, $value = NULL) in /home/www2voce/public_html/libraries/joomla/session/session.php on line 737

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/session/session.php on line 19

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JSessionStorageNone::register() should be compatible with JSessionStorage::register($options = Array) in /home/www2voce/public_html/libraries/joomla/session/storage/none.php on line 38

Warning: session_start(): Cannot send session cookie - headers already sent by (output started at /home/www2voce/public_html/libraries/joomla/import.php:29) in /home/www2voce/public_html/libraries/joomla/session/session.php on line 423

Warning: session_start(): Cannot send session cache limiter - headers already sent (output started at /home/www2voce/public_html/libraries/joomla/import.php:29) in /home/www2voce/public_html/libraries/joomla/session/session.php on line 423

Warning: Cannot modify header information - headers already sent by (output started at /home/www2voce/public_html/libraries/joomla/import.php:29) in /home/www2voce/public_html/libraries/joomla/session/session.php on line 426

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/parameter.php on line 21

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JRegistryFormatINI::objectToString() should be compatible with JRegistryFormat::objectToString(&$object) in /home/www2voce/public_html/libraries/joomla/registry/format/ini.php on line 281

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JPluginHelper::importPlugin() should not be called statically in /home/www2voce/public_html/index.php on line 44

Strict Standards: Non-static method JPluginHelper::_load() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 92

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/plugins/system/jxtended.php on line 51

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Redefining already defined constructor for class JPlugin in /home/www2voce/public_html/libraries/joomla/plugin/plugin.php on line 75

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JEvent::update() should be compatible with JObserver::update() in /home/www2voce/public_html/libraries/joomla/event/event.php on line 29

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 140

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JFactory::getApplication() should not be called statically in /home/www2voce/public_html/plugins/system/nonumberelements.php on line 18

Strict Standards: Non-static method JRequest::getCmd() should not be called statically in /home/www2voce/public_html/plugins/system/nonumberelements.php on line 27

Strict Standards: Non-static method JRequest::getVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 255

Strict Standards: Non-static method JRequest::_cleanVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 151

Strict Standards: Non-static method JFilterInput::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 577

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 140

Strict Standards: Non-static method JPluginHelper::getPlugin() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 147

Strict Standards: Non-static method JPluginHelper::_load() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 41

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 140

Strict Standards: Non-static method JPluginHelper::getPlugin() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 147

Strict Standards: Non-static method JPluginHelper::_load() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 41

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Redefining already defined constructor for class CMSDb in /home/www2voce/public_html/components/libraries/cmslib/spframework.php on line 240

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 140

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JPluginHelper::_import() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 97

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JDispatcher::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 140

Strict Standards: Non-static method JPluginHelper::getPlugin() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 147

Strict Standards: Non-static method JPluginHelper::_load() should not be called statically in /home/www2voce/public_html/libraries/joomla/plugin/helper.php on line 41

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/cache/cache.php on line 19

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JCacheStorage::get() should be compatible with JObject::get($property, $default = NULL) in /home/www2voce/public_html/libraries/joomla/cache/storage.php on line 173

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JSite::getMenu() should not be called statically in /home/www2voce/public_html/components/com_content/router.php on line 120

Strict Standards: Non-static method JApplication::getMenu() should not be called statically in /home/www2voce/public_html/includes/application.php on line 345

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JMenu::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/application/application.php on line 720

Strict Standards: Non-static method JError::isError() should not be called statically in /home/www2voce/public_html/libraries/joomla/application/application.php on line 721

Strict Standards: Non-static method JRequest::getInt() should not be called statically in /home/www2voce/public_html/index.php on line 58

Strict Standards: Non-static method JRequest::getVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 179

Strict Standards: Non-static method JRequest::_cleanVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 134

Strict Standards: Non-static method JFilterInput::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 577

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JRequest::getVar() should not be called statically in /home/www2voce/public_html/components/libraries/cmslib/helper/url.php on line 74

Strict Standards: Non-static method JRequest::_cleanVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 134

Strict Standards: Non-static method JFilterInput::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 577

Strict Standards: Non-static method JRequest::getWord() should not be called statically in /home/www2voce/public_html/components/com_jomcomment/plugins/system.php on line 60

Strict Standards: Non-static method JRequest::getVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 236

Strict Standards: Non-static method JRequest::_cleanVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 134

Strict Standards: Non-static method JFilterInput::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 577

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/joomla/document/document.php on line 19

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JDocumentHTML::setBuffer() should be compatible with JDocument::setBuffer($content) in /home/www2voce/public_html/libraries/joomla/document/html/html.php on line 394

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JRequest::getCmd() should not be called statically in /home/www2voce/public_html/index.php on line 70

Strict Standards: Non-static method JRequest::getVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 255

Strict Standards: Non-static method JRequest::_cleanVar() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 134

Strict Standards: Non-static method JFilterInput::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/request.php on line 577

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186
AuditorŪa
El macabro caso de las hipotecas en Espa√Īa
Buscar Autor o Artículo
ÔĽŅ
PULSE LA TECLA ENTER
Voces Diario
Banner
Noticias
389 Suplemento
Banner
Voces del Periodista EnVivo
Banner
Radioteca
Posada del Periodista
Banner
Club de Periodistas
417
Banner
418
Banner
419
Banner
420
Banner
421
Banner
422
Banner
423
Banner
425
Banner
426
Banner
427
Banner
428
Banner

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of ContentController::display() should be compatible with JController::display($cachable = false) in /home/www2voce/public_html/components/com_content/controller.php on line 28

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method JHTMLBehavior::caption() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 91

Strict Standards: Non-static method JHTML::script() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html/behavior.php on line 63

Strict Standards: Non-static method JHTML::_() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 172

Strict Standards: call_user_func_array() expects parameter 1 to be a valid callback, non-static method JHTMLBehavior::mootools() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 91

Strict Standards: Non-static method JFactory::getConfig() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html/behavior.php on line 46

Strict Standards: Non-static method JHTML::script() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html/behavior.php on line 56

Strict Standards: Non-static method JURI::root() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 176

Strict Standards: Non-static method JURI::base() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/uri.php on line 276

Strict Standards: Non-static method JURI::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/environment/uri.php on line 276

Strict Standards: Non-static method JFactory::getDocument() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 179

Strict Standards: Non-static method JURI::root() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 176

Strict Standards: Non-static method JFactory::getDocument() should not be called statically in /home/www2voce/public_html/libraries/joomla/html/html.php on line 179

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Declaration of JCacheView::get() should be compatible with JCache::get($id, $group = NULL) in /home/www2voce/public_html/libraries/joomla/cache/handler/view.php on line 150

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::load() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 161

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 138

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JSite::getMenu() should not be called statically in /home/www2voce/public_html/components/com_content/router.php on line 19

Strict Standards: Non-static method JApplication::getMenu() should not be called statically in /home/www2voce/public_html/includes/application.php on line 345

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JMenu::getInstance() should not be called statically in /home/www2voce/public_html/libraries/joomla/application/application.php on line 720

Strict Standards: Non-static method JError::isError() should not be called statically in /home/www2voce/public_html/libraries/joomla/application/application.php on line 721

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71

Strict Standards: Non-static method JLoader::import() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 186

Strict Standards: Non-static method JLoader::register() should not be called statically in /home/www2voce/public_html/libraries/loader.php on line 71
ÔĽŅ
Edición 295

El macabro caso

de las hipotecas en Espa√Īa

DANIEL D. CARPINTERO


ENTRE 1995 Y 2006 el paisaje de Madrid semejaba el de una ciudad que acabara de ser sacudida por una cat√°strofe natural. Montones de escombros y centenares de gr√ļas se recortaban contra el horizonte como en una postal apocal√≠ptica. Era la fiera de la construcci√≥n.


Daniel1

 

EN POCOS A√ĎOS LOS CAMPOS de la periferia se convirtieron en un p√°ramo ceniciento en el que los barrios fantasma aparec√≠an de la nada. Bloques de edificios id√©nticos atravesados por carreteras por las que no transitaba ning√ļn veh√≠culo. Centros comerciales desiertos. Hoteles siniestros a veinte kil√≥metros de la zona tur√≠stica m√°s cercana. Cualquiera que no fuese pol√≠tico o banquero se daba cuenta de que nunca se vender√≠an tantas casas.

Eran los a√Īos en que Aznar gobernaba en Espa√Īa; los d√≠as en que el precio de las viviendas triplicaba o cuadriplicaba el valor real; la √©poca en que todo ayuntamiento espa√Īol ten√≠a su propio esc√°ndalo de corrupci√≥n urban√≠stica. Era el tiempo de las hipotecas basura.

En esos a√Īos el negocio de la construcci√≥n y la venta de viviendas lleg√≥ a representar el 16 por ciento del Producto Interior Bruto. Los bancos tasaban los bienes inmuebles y fueron inflando poco a poco los precios hasta que √©stos alcanzaron niveles absurdos.

Comprar un departamento para venderlo al cabo de un mes era un negocio sumamente rentable. La especulaci√≥n era fren√©tica. La banca obten√≠a cr√©ditos al 1,5 por ciento o al 2 por ciento en el mercado interbancario -un capital que proced√≠a principalmente de Alemania- y conced√≠a hipotecas a un inter√©s de entre el 3,5 por ciento y el 7 por ciento. No hab√≠a que reunir condiciones especiales para conseguir una hipoteca. Ning√ļn banquero ten√≠a remilgos ante la posibilidad de ganar dinero aunque la operaci√≥n revistiera cierto riesgo. Se daban cr√©ditos con los ojos cerrados y con la mano tendida para recoger los billetes. Hasta que el banquete termin√≥.

En 2008, tras el escándalo de las hipotecas subprime y la quiebra de Lehman Brothers, el mercado interbancario se cerró. La compraventa de viviendas se redujo y los precios empezaron a caer. Muchos especuladores que adquirían bienes inmuebles para venderlos más caros se arruinaron. Otros tantos constructores -financiados por la banca- se vieron ante el problema de que eran propietarios de miles de viviendas que nadie quería comprar. También ellos acabaron en la ruina. O en la cárcel.

 

Daniel2

 

Fue el principio de la depresi√≥n econ√≥mica en Espa√Īa. Cuatro a√Īos despu√©s hay casi seis millones de desempleados en el pa√≠s -m√°s del 25 por ciento de la poblaci√≥n activa- y el gobierno derechista de Rajoy practica una pol√≠tica de recortes draconianos que est√°n llevando la econom√≠a a la bulimia. Las conquistas sociales que se han logrado en treinta a√Īos de democracia -los derechos de los trabajadores, la sanidad y la educaci√≥n p√ļblicas, el acceso universal a la justicia- desaparecen como ilusiones inducidas por alg√ļn dios sarc√°stico. Espa√Īa avanza hacia la desigualdad. O retrocede hacia d√≠as oscuros en que la derecha fascista campaba a sus anchas.

Las consecuencias m√°s terribles del frenes√≠ inmobiliario empiezan a difundirse ahora en los medios de comunicaci√≥n. El pasado 9 de noviembre una mujer se arroj√≥ por la ventana en Barakaldo (Pa√≠s Vasco) mientras la comitiva judicial enviada por el banco llamaba a la puerta para echarla de su casa. Falleci√≥ en el acto. Su suicidio -junto a muchos otros que no figuran en las p√°ginas de los diarios termin√≥ de indignar a una parte grande de la sociedad espa√Īola.

Desde 2008 la banca ha obligado a desalojar casi 400 mil viviendas. Otros 300 mil desahucios se est√°n tramitando en los juzgados. Se trata de una iron√≠a macabra.¬† Los bancos que ahora echan a la gente de sus casas recibieron hace unos meses m√°s de 40 mil millones de euros en capital p√ļblico -dinero del bolsillo de los ciudadanos- para evitar la quiebra masiva.

A este c√≥ctel hay que agregar otro ingrediente: La ley hipotecaria espa√Īola, una de las m√°s injustas del mundo. Se redact√≥ en 1909 y sobrevivi√≥ al franquismo para instalarse como una infecci√≥n en la √©poca actual. Establece que cualquier contrato hipotecario tiene mayor fuerza legal que la sentencia de un juez. Las cl√°usulas del documento del banco resultan inamovibles y fijan condiciones tan beneficiosas para la entidad financiera como desastrosas para el individuo hipotecado.

Supongamos que un cliente firma una hipoteca de 300 mil euros. Cuando ha pagado 100 mil se queda sin empleo -una circunstancia com√ļn en la Espa√Īa de hoy- y carece de recursos para pagar la mensualidad. El banco procede entonces a embargar sus bienes y sus ahorros. Pero no es suficiente. Eso apenas reduce la deuda. De modo que el banco inicia el proceso legal para desahuciarle y al cabo de seis meses el sujeto es expulsado de su casa. Aqu√≠ deber√≠a terminar el problema.

Pero el problema contin√ļa. El banco subasta el inmueble a un precio muy bajo para asegurarse la venta (a menudo es la propia entidad la que compra la vivienda a trav√©s de una sociedad inmobiliaria de la que es due√Īa) y resta esa cantidad al monto total de la hipoteca, que ha crecido debido a los intereses por demora. Imaginemos que el banco vendi√≥ la casa por 180.000 euros. El individuo hipotecado ha pagado ya 100 mil y le faltan por desembolsar otros 20 mil m√°s los intereses por demora. Es decir: m√°s de 120 mil euros a cambio de nada.

En cuatro ocasiones se llevaron al Parlamento propuestas para cambiar una ley hipotecaria que no sólo es injusta sino que además contraviene la normativa europea. Las cuatro propuestas fueron rechazadas con los votos de los diputados del PP de Rajoy y del PSOE de Rubalcaba (antes de Zapatero).

La banca argumenta que cambiar la ley har√≠a subir la prima de riesgo (el indicador que marca el inter√©s que el pa√≠s paga por colocar deuda soberana) y desestabilizar√≠a el sistema financiero. Se trata de un argumento que los pol√≠ticos y los empresarios llevan esgrimiendo desde 2008: la gente debe sufrir privaciones e injusticias para que la econom√≠a salga del agujero. Si Espa√Īa sigue por esta senda llegar√° a ser una tierra econ√≥micamente pr√≥spera en la que los ciudadanos se morir√°n de hambre.

La indignaci√≥n social en cuanto a la injusticia de las hipotecas ha aumentado en las √ļltimas semanas. Los cuarenta y siete jueces decanos de Espa√Īa presentaron un informe en el que piden que se modifique la ley, y proliferan las protestas de grupos como la Plataforma de Afectados por la Hipoteca (PAH).

El gobierno de Rajoy se ha visto obligado a actuar. El remedio consiste en una moratoria de dos a√Īos en el pago de la hipoteca para las familias con muy pocos recursos y en alquilar las viviendas que la banca acumula como consecuencia del frenes√≠ especulativo de los a√Īos de Aznar. Es como intentar curar una herida de bala con un trozo de esparadrapo. Rajoy sigue neg√°ndose a cambiar la ley. Y los banqueros se frotan las manos.



Comentarios (1)Add Comment
0
Luis Alvarez
diciembre 12, 2012
85.52.125.47
Votos: +2
...

Un art√≠culo muy acertado de la burbuja inmobiliaria que pinch√≥ en Espa√Īa

Escribir comentario
 
 
corto | largo
 

busy
¬ŅQui√©n est√° en l√≠nea?
Tenemos 391 invitados conectado(s)
Tenemos visitas de:

273 Suplemento
Banner
224
Banner
411
Banner
410
Banner
409
Banner
408
Banner
407
Banner
406
Banner