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Posts by gdyniaguy  

Joined: 17 May 2012 / Male ♂ 		Last Post: 3 Jul 2012
Threads: Total: 1 / In This Archive: 1
Posts: Total: 281 / In This Archive: 260 		From: gdynia
Speaks Polish?: barely...i get by

Displayed posts: 261 / page 2 of 9
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gdyniaguy   
28 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

but your point about the housing ladder simply doesn't apply to everyone. And certainly not in Poland

How doesn't it apply to everyone?... it affects everyone. OH i forgot Poland is unique!

It doesn't apply at all in Poland, a country where mortgages were pretty uncommon until what, the start of the century?

I'm still wondering where these "money-lending" shops are that he talks about.

Pip - I'm convinced he's actually talking about the UK, because his rantings don't seem to have any relation to reality here. Do you see many 32sqm flats around? I don't...

Of course there are no 32sq/m apartments!!!! none at all!!! As for the money lending shops take a google maps walk through the centre of Gdynia. There are about 7-8 that i can thuink of that have sprung up over the last 2 years.,,,

You'd be hard pushed to find 32sq/m apartments in the uk as we don't buy by size, we buy in the uk by rooms. Also in the UK a higher amaount of people live in houses.
gdyniaguy   
28 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

Delpiandomine... wrong again. In the UK you'll be hard pushed to find any 2 up 2 down left. In fact those that are usually have a whopping great extension on the back. Then again a 2 up 2 down (with extension) gives a kitchen, dining room, living room, 2 bedrooms, a bathroom (about 70-80sq/m) and a back garden... a bit more then the old communist blocks 32sq/m.

I wont explain the housing ladder to you again as you fail to grasp even the simplest of explanations.
gdyniaguy   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

And they pay well for Polish standards which in turn allows people to be able to make their first purchase on a home. White collar workers are buying now and they are getting mortgaged

so why the huge drop in asking prices if everybody is so relatively well off and middle class?
gdyniaguy   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

You are claiming prices will get too expensive? But they already were and now they are starting to decline. No bubble. It won't happen in Poland- just like the recession didn't happen here either.

Pip....something has to give.... house prices crash (like they are doing), wages rise (which the are and will soon cause uncontrolled inflation and job loses)... the recession will happen! Probably already is! Just look at the amount of money lenders opening in closed down shops!
gdyniaguy   
27 Jun 2012
Love / Are Polish Girls scared of English Guys [124]

I've no idea what Poles say abroad... i don't care...they are like Pakistani's and Greek's they also go on how wonderful their homeland is but are quick to get out of it and never want to return!

I'm not shitting on the plate that i eat. I pay royally for the plate that i eat on. I work for an international company and unfortunately have been lumbered here and unlike with the UK I owe Poland nada.

A lot of Polish people on here get up their 'own arses' all the time and seem to enjoy having a pop at everybody and everything... it's always English people this and english that....I didn't start this saying Polish guys are animals are english girls scared... (there have been more girls in the UK killed by Poles then Girls killed in Poland by Brits) ..so as a girl you are more likely to be killed by your polish boyfriend in the UK then vice versa....Polish animals!!

It's the English girls that should worry about the Polish guys.

As i said before the Poles are simply worried that the handsome, intelligent English Gentlemen will start improving the Polish gene pool... let's knock down the competition...it won't work!

end of!
gdyniaguy   
27 Jun 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]

working against Polish people

on behalf of the German EU party!

Spending by one million tourists could boost GDP by "around 0.2 per cent of GDP in Poland and 0.4 per cent of GDP in Ukraine," said Capital Economics. These numbers are always a bit rough-and-ready. But the anecdotal evidence looks very positive.

1,000,000 tourists... fgs they only sold about 1,200,000 tickets in the Ukraine and Poland for the whole of the tournament... who writes this crap?

So that would mean that each tourist brought in by the football bought 1.2 tickets even less for multiple ticket holders... so no Poles or Ukrainians bought tickets? Add to this the fact that the Germans in most cases didn't overnight in Poland but drove straight home after the matches.. (i know this as i know how heave the traffic was on the GDN-berlin road after the Gdansk game)

The Polish government have upped the expected tourist figure up so much that businesses have suffered. I have seen bars and restaurants that have closed in the last 2 weeks and the amount of unsold merchandise is criminal.
gdyniaguy   
27 Jun 2012
Love / Are Polish Girls scared of English Guys [124]

Exactly,that's JUST your opinion and as you are not Polish your opinion doesn't count in Poland

Really? I probably pay more tax in Poland then the majority of Poles. I'm also allowed to vote in the EU and local elections. Where does my opinion not count?

To be honest Poland is a backward country in alot of respects the Men being one.

Seems to me the only people scared of English guys with Polish girls is Polish guys.....competition too much ;) bet lot's of the lovely Polish girls wont come back to their blocks after catching a fine English guy over in the land of plenty! And they will get an easier surname to spell!

But that's just my tax paying opinion!
gdyniaguy   
27 Jun 2012
Love / Are Polish Girls scared of English Guys [124]

Maybe so... but then again i see the same in Poland. In the UK you never see people drinking on the streets at 7am in the morning.(unless they're still out from the night before!)

To class a whole nation of Men (30-35million british men) all as yobs then you are an idiot!

As i said before I've seen more black eyes on women in Poland in 3 years then i saw a lifetime in the UK. As a woman i'd rather my bloke was yobbish and loud then a bit free with his hands!

but that's just my opinion!!
gdyniaguy   
27 Jun 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]

The government's statistical agency on Tuesday released retail sales numbers for May, showing a 7.7 per cent increase over the same period in 2011, with the European football championships playing a key role in boosting business by encouraging Poles to buy televisions

Probably the same the world over when something major happens. The queens coronation led to a 10000% increase in sales of televisions as did the man on the moon!
gdyniaguy   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

no need to be condescending. I completely understand what you are saying but these rules don't apply to Poland.

I wasn't being condescending. The Banks are in the business of making money. If they see giving a mortgage as a sound financial investment then they will give it. A low paid worker with a small mortgage is a lower risk then somebody with a higher income who wants to buy a bigger apartment/house. The banks alos know that in order to get the ball rolling and stimulate the housing market then they have to loan at the lower end of the market. it's not a theory it's the way that the housing market works. If nobody buys your property you simply can't move on.

To say that they don't apply in Poland is absolute rubbish I bet plenty people on here can give examples of single low paid people buying apartment and also a stall in the housing chain caused by the above. Poland isn't unique..believe it or not. Property prices will get too expensive, there will be a burst of the property bubble. It happens everywhere.

But as they say, "it's grim up north" ;) The disparity between North and South is shocking, though

Coming from the North I see no disparity in the housing stock in fact in the North your money goes further so people can afford to have larger/better houses and smaller mortgages. Wages however don't nearly reflect the difference in housing costs.

I lived in the suburbs of London for 6 years and I can tell you that the only shocking disparity was the amount of 'free cash' people in the North had to play with at the end of the month compared to the South . A couple of 'cockney' friends of mine moved north and would never go back.

it is grim... grimly fiendish!
gdyniaguy   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

I don't understand why people here think that minimum wage workers should have the right to buy a house if they don't have the cash

Hi Pip

I'll explain it to you. A housing ladder with 5 properties...

1 bed apt for 150,000zl
2 bed apt for 225,000zl
2 bed house for 300,000zl
3 bed house for 600,000zl
5 bed house for 1million zl

in order for the person in the 2 bed house to move to a new and bigger house (because they have just had twins!) they need to sell their house. In order to sell their house they need a buyer... the couple in the 2 bed apt want a house with a garden and in order to move they need a buyer...the guy in the 1 bed apt who's girlfriend is now living with him and they need more space...

Little Kasia who works in Biedronki is looking for her first apartment...walks down the street and sees the 150,000zl 1 bed apt for sale.... she is working..loves her job..has no debt and has saved hard to get 15,000zl together.... but the banks wont give her a mortgage. Most people who buy a property in the real world take a mortgage as people dont have a couple of hundred thousand zloty's to hand.

So everybody in the chain must wait...or start dropping there prices so that the people below them can drop their and so on to get the chain moving....

This is why the bottom of the ladder is more important then the top of the ladder and why everybody should be able to buy.

Do you understand?

You would have thought that people working in grocery stores or low income earners would buy their parents or grand parents government house/flat as they will avail of deep discounts depending on the number of years they have been living there.

Problem solved? what if the parents are still living in the flats? My mothers 66 and her dad is still alive.
gdyniaguy   
27 Jun 2012
News / Poland's Economy Is Booming! The EU's Success Story? [711]

I can easily see it going the other way. German trying to impose fiscal policy on other contries who will eventually have had enough. Countries like Spain, Greece, Ireland have such massive debts now (and no way of paying them back) so who in the EU are going to be able to buy German goods? If you think for 1 minute that Spain and Greece won't end up defaulting on the debt you must be mad! Even the German's are scared about the EU and the EURO and some even want a return to the Deutsche Mark.

What Polish products do you think this ever increasing market will buy? All of the high end polish made products (tv's, cars etc) production will be shipped off elsewhere as soon as it's economically viable to produce them somewhere else (turkey, macedonia, ukraine, russia)..so what products are you on about that will sustain the Polish economy when Europe goes tit's up?
gdyniaguy   
27 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

Then again, gdyniaguy seems to criticise Thatcher for selling off the housing stock, yet seems to think that everyone has a right to buy. Conflicted economics, anyone?

Obviously you know nothing about the UK and the UK housing market. Thatcher created a housing market monster by selling off cheaply council housing stock which wasn't replaced. In London essential workers like nurses and teachers have no chance to get on the housing ladder do to this short-sighted, vote grabbing policy. In fact Thatchers buddies (especially shirley whateverhername was in wesminster) made a huge amount from ex-council stock. What Thatcher sould have done was to allow developers to develop brown field sites in the cities and to make these houses affordable to the lower end of the housing market.

I believe that everybody should have the right to get on the ladder and that the only way to get a housing market moving is for the government to develop housing and mortgages so that they are affordable to everybody (including supermarket workers) and Council houses should be just that...houses owned by the council in order to give low paid and out of work constituents a decent home to live in.

Housing unfortunately doesn't have a quick fix solution and in the UK successive governments for the last 50 years have made vote-winning mistakes that the country is paying for now. Poland made it's own mistake in 1989 when the government housing stock was handed over cheaply and it's creating problems now.

To be honest with you Delph, the banks do not do quality control

But to be honest the banks will only lend on property that they know is worth the mortgage. What do the banks do...lend on a crappy built house..the buyer then defaults on the mortgage and the banks are left with not only bad debt but a repossessed house that nobody will buy? So in fact... Banks do control quality...even more now then they did 5 years ago.
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

(interestingly, home ownership isn't popular at all in Germany or Switzerland, so it's hardly a reliable measure of wealth)

Your right. The Germans rent and save and because they arn't tied down in one place then they subsequently have a more mobile workforce. But this has taken generations to instill into the psyche of the populations. Whereas on the other hand in the UK the Thatcherites told us all to buy and in Poland the government opened a bit can of worms buy giving away the old housing stock cheaply and creating a house owing society.
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

Hardly an improvement if your 25 year investment looks barely fit to last. I've seen examples of nice new apartments falling to bits with large cracks in the wall/etc after 18 months - do you think any Pole in their right mind is going to buy such a thing?

In the UK in oder to get a mortgage on a new build the house need to have some sort of long term guarentee, If this isnt the case in Poland then maybe the government should up the anti and get it in place.

I'm working class and from England and I can tell you that alot of the working class don't live in coucil housing so we couldn't get cheap houses from the government. My first mortgage was horrendous and we struggled to get a deposit together so we could reduce our loan to 90%. Buy-to-let isn't worth it in the long run and creates more problems then it solves. Poland's problem is the lack of affordable housing enabling the lowest paid to get on the housing ladder which in turn creates movement in the housing market. 4000zl where i am in Poland wouldn't get you much of a three bedroomed house, maybe a small 1 or 2 bedroomed apartment at most. Besides that how many single Poles and couples don't earn anywhere near that?

P.s. Biedronka? They're pretty much the lowest of the low. What gives them the right to own property, given that they didn't educate themselves - bit of a sh!ts way of thinking...who serves you at the supermarket...they do a job that needs to be done and deserve the respect that you would expect. People like them need to become upwardly mobile on the housing market. People like them will buy the flat from the people that will then buy your house and allow you to move up the ladder. Without them you are all fkd!

The Polish government was advised to build more affordable housing but instead has sold out to cheap fly-by-night developers (some from abroad) who are causing problems in the housing market by building cheaply in order to turn a fast buck before the bubble bursts...the same happened in spain and ireland. Added to this the fact that the old style blocks are starting to be well past their sell-buy-dates and need to be replaced they have dug themselves into a massive hole.
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

gydyniaguy, it's because you don't know any wealthy people and live in a cardboard box, that's why you don't know about things like this ;) do you drive a car in poland? if not, that would make you even less knowledgable on the matter

I do know wealthy people and very important wealthy people. I also know how poor the vast majority of Poles are and for anybody to spout off that Poles arnt buying because of rubbish apartments being built is just rubbish.
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

The problem is that the new apartments are not necessarily desirable. For instance, I know of new apartments lying empty simply because they were built very much on the cheap - no-one is interested in them for exactly that reason. Nothing to do with supply and demand and everything to do with people not wanting to splash out on crap.

Really? keep telling yourself that nobody is buying them cos they are crap... FGS polish people are used to living in Blocks, delapidated properties and concrete boxes. A shiny new apartment (even badly designed) has to be an improvement for millions of them?

The Polish housing market seems to be doing just fine. Care to provide any evidence to the contrary?

Do I really need to show you the drop in prices in Poland over the last year? Take a walk outside and see the for sale signs and empty apartments

Too expensive? There's plenty of affordable accommodation in Poland. The real issue is that there is a strange cultural habit of not "upgrading" - so people will often stay in unsuitable conditions for much longer because they want the ideal property - rather than getting one property and selling it within a few years for something better.

affordable to who? the people working in the local government offices?, the girls in beidronka?, the hotel and restaurant workers, shop workers, people working in factories making cheap plastic goods or polish doors and windows?... who are these people with the money? you sound like Peterweg!
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

No chance of that. They would have to raise the minimum wage to something above poverty levels for the Polish housing market to get moving. And to do that would be economic suicide in Poland. Poland really has a massive problem.
gdyniaguy   
26 Jun 2012
Love / Are Polish Girls scared of English Guys [124]

I have lived in Poland most my life and can't even recall a woman with a black eyes on the street, looks like you see things that you want to see this his how frustrated you are about the reality that you can't take.

Have you hit her yet?
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

The only issue is that you're forgetting that there's still a shortage of housing stock compared to the population

Nothing compared to the UK. I can't see how there can be a shortage the amount of new apartments springing up and the amount of emmigration. Come to Gdynia and see how empty Sea Towers is! Maybe there is a massive shortage of affordable housing and there in lies Polands problem. The houses are too expensive of the people that need to buy them. Thousands of 300,000zl properties lying empty as families live 3 generations under 1 roof.

gdyniaguy: Add to this the problem alot of Poles have with regards to Swiss franc mortgages!

Harry, there is a supply of properties but not enough people able to pay for them. Poles will soon start whining for larger salaries to buy houses, unemployment will go up..end of the Polish dream.
gdyniaguy   
26 Jun 2012
Real Estate / Poland's apartment prices continue to fall [1844]

Harry whether it's 12% or 20% it's a fair whack compared to the UK were even in the worse areas its only about 3-4% per year overall. Infact it may not be this bad as European invest in UK property due to the weakness and uncertainty of the Euro.

The problem as well with Poland is that there is an ever decreasing population and 10's or thousands of new housing and apartment developments springing up daily it will only get worse. House prices are all about supply and demand.. an in Poland there are too many empty houses for the market not to burst big style. The UK doesn't have enough housing for it's population so prices are more stable. I can take a walk in Gdynia today and take hundreds of photo's of estate agents adverts showing old prices crossed out and never prices written on them. Add to this the problem alot of Poles have with regards to Swiss franc mortgages!
gdyniaguy   
26 Jun 2012
Love / Are Polish Girls scared of English Guys [124]

In Poland, we have plenty of them. In England, there seems to be close to none

What is the definition of a Polish real man.... spend hours in the gym, drives a battered 15 year old 5th hand german car that wouldn't pass it's MOT ever, drinks strong lager in the street at 10am, has a cranium so small it could fit into an egg cup?... or

Like to hit women?

I've never seen so many women with Black eyes since I came to Poland!

It's funny that Polish women swoon after English men. I know of no English women with Polish men! (p.s. not all english women are fat...same as not all polish women are thin!)