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christianlanden · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

El impacto de la situación económica en la financiación es uno de los factores clave para la toma de decisiones de inversión inmobiliaria en el contexto actual. Savills, consultora inmobiliaria internacional, ha presentado en Madrid el evento Financiación inmobiliaria, claves y desafíos, en el que expertos de banca y especialistas en financiación alternativa han explicado la situación y cómo el mercado se está adaptando al incremento de los tipos de interés provocado por el alza de la inflación.

El encuentro ha contado con la participación de Ramón Forcada Gallo, director de Análisis Financiero y Mercados en Bankinter, quien ha aportado los datos sobre la situación macroeconómica actual. Según sus previsiones, “quedan de 3 a 6 meses confusos, estamos en un cambio de contexto que va a ser progresivo y nos tendremos que acostumbrar a vivir con tipos que estén en el 3% en el largo plazo”.

Por su parte, Andrew McMurdo, co-head de Savills Capital Advisors en Savills UK, ha explicado que “los mercados de deuda siguen operando con normalidad, centrándose en la financiación de calidad, los activos y el cash flow”. Incluso, “es probable que el asesoramiento sobre deuda sea cada vez más demandado a medida que las entidades no bancarias ganen cuota de mercado y los mercados sean cada vez más complejos”, ha concluido.

La mesa redonda, moderada por Javier Sarrado, Finance director en Savills España, ha contado con la participación de Jaime Vigón, managing director head of real estate, construction &, infraestructure en CaixaBank; Nicole Jürgensen, head of international clients en Münchener Hypothekebank, y Javier Quintela, head of iberia en Cheyne Capital, firma especializada en financiación alternativa.

Los expertos en financiación han coincidido en que a nivel análisis de operaciones, la actividad continúa y no ha parado. La diferencia de antes de verano a ahora, según han explicado, es que se ha confirmado la necesidad de mantener la cautela a la espera de algún indicador positivo. Mientras tanto, han señalado las operaciones orientadas a generación de cash-flow como las mejor posicionadas para obtener financiación y el track record del financiador en los segmentos BTR (build to rent), residencial, oficinas, hoteles, logístico o retail como factor a tener en cuenta.

Además, todos han confirmado la importancia de las certificaciones de sostenibilidad de los activos para agilizar y abaratar las operaciones. La financiación verde, según han explicado, se está convirtiendo en una cuestión de capital importancia, en muchos casos determinante.

Desde Savills, los expertos en financiación en España y Europa han asegurado que teniendo en cuenta la experiencia de otras crisis, en estos momentos el sector inmobiliario no se encuentra en riesgo, hay financiación, los fundamentales y la demanda en los distintos segmentos inmobiliarios se mantienen sólidos y es clave la adaptación a la nueva situación para que la inversión pueda seguir activa en este nuevo contexto

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lindaboggers · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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georgeschuylerfinance · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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saltygardenerlove · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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bertrhert · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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craigmyersfinance · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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dreamilykawaiibasement · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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brianway23 · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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movieblogreview · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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yourfinancestu · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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edwardredwould · 2 years

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Bankinter: "El inmobiliario tiene que acostumbrarse a vivir con tipos del 3% a largo plazo"

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ui-training-bangalore · 3 years

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AWS(Amazone Web Services) | In Brief

Let us now discuss what is cloud computing, Controlling public, private, or hybrid cloud infrastructure resources and services are referred to as cloud management. IT pros can handle those dynamic and scalable computing environments with the help of a well-designed cloud management plan.

AWS(Amazone Web Services) is an advance, constantly expanding cloud computing platform that offers services like Infrastructure-as-a-Service (IaaS), Platform-as-a-Service (Platform-as-a-Service), and Software-as-a-Service (SaaS). Since its establishment in 2002, different corporations have used AWS to fuel their expansion, and they have never looked back.

for example, Abode does not rely on its IT team for various cloud operations and updates; instead, it runs all of its activities on AWS. In short, AWS's many on-demand activities, such as database storage, computation power, and content delivery, have made life easier. The best aspect is that AWS is a public cloud platform, which means it can be accessible by anyone and everyone via the Internet.

AWS certification validates your ability to deploy and use AWS for a variety of cloud-computing solutions to help businesses run more efficiently and manage multiple workstations.

What are the real-time applications of AWS?

AWS serves customers in over 190 countries, including 5000 educational institutions and 2000 government agencies. AWS is used by a number of well-known companies, including ESPN, Adobe, Twitter, Netflix, Facebook, and the BBC. AWS has grown in popularity over the years and has established itself as the global cloud computing service provider. AWS is used by a vast number of businesses today for cloud solutions. The AWS's multiple real-world uses are listed below:

Storage and Backup: The backbone of the entire cloud service is storage and backup. Amazon Web Services (AWS) provides dependable storage services like Amazon Simple Storage Service for storing large amounts of data and backup services like AWS Backup for backing up data in the cloud.

Big data: One of the most pressing concerns facing today's large corporations and multinational corporations is a lack of storage capacity. However, since the launch of AWS, everything has been simple. For scale-in and scale-out options, AWS provides infinite virtual data storage.

Enterprises information technology(IT): AWS has become a one-stop solution for all IT businesses since its introduction. Storage, flexibility, scalability, and elasticity are just a few of the capabilities and benefits that AWS offers to help businesses with their IT needs. With the launch of AWS, cloud architects are no longer needed.

Social Networking: Today, digital marketing is all the rage, and social networking is the main thread for expanding an IT company's social network. AWS has made connecting and communicating with customers and parties simple. AWS social networking engine is a solution that makes social networking for software companies extremely simple.

Mobile applications: You can use AWS to build an app in whatever programming language you want. It also enables you to handle relational database services for your application's flawless operation.

Websites: Amazon LightSail is a service provided by AWS that includes SSD-based storage, virtual machines, data transport, and a static IP address.

Gaming: Customers can enjoy a rich gaming experience regardless of their location thanks to Amazon EC2 and S3 services paired with CloudFront.

AWS is used by a variety of enterprises and industries, including aviation, banking, healthcare, and business, to optimize their services and minimize workloads. The following are some of the top companies in this category:

Netflix

Airbnb

McDonald’s

Expedia

Samsung

Bankinter

NASA

Adobe

What are the job opportunities after earning an AWS certification?

A candidate looks for numerous career opportunities to earn a good salary after completing the AWS course and receiving AWS certification. Obtaining an AWS certification will not guarantee you a career in IT, but it will make you more employable than your competitors. The following are some of the career options available to AWS certified candidates:

AWS certified solution architect associate

AWS Cloud Practitioner

AWS Solution Architect

SysOps Associate

You may always advance your career by earning various types of certifications and gaining pay raises and recognition.

Where can you obtain Amazon Web Services (AWS) training?

There are numerous learning platforms where you can obtain AWS training in order to pass the AWS certification. To utilize your tech skills, you'll need a dependable and well-recognized platform with industry-experienced specialists.

All of the above criteria are met by 9Globes. You can quickly enroll in the course and receive expert training as well as placement assistance. What else is there to say? You get access to the virtual labs as well. Don't spend any more time; join 9Globes right now.

#aws

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livioacerbo · 7 years

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Photoslurp bags $870k for its ‘shop the look’ UGC marketing platform

Bootstrapping Barcelona-based visual commerce startup Photoslurp has taken its first external funding: Announcing €750,000 (~$870k) in pre-Series A financing, led by Spanish VC Inveready Technology Investment Group, with participation from Bankinter VC, Caixa Capital Risc and ICF. The team’s SaaS platform is designed for brands to build influence by leveraging user generated content (UGC) in…

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#blog #greengroundit #livio acerbo #luca #news #orecchio #sossio #technology

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cryptodictation · 4 years

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Coronavirus crisis: What about rents in alarm state? | My finances section

In a few days, the month of March will end, in the midst of a health emergency due to the coronavirus crisis. In the midst of the state of alarm, proclaimed by the Government on the 14th and extended, for the time being, until April 11th, many rental contracts expire and others should start. To the doubts about how to solve the practical problems that this exceptional situation brings — how to get out of the flat and move to another with the limitations to current circulation? It is just one of them — is added the difficulty of the homes most hit by the crisis for complying with the rent payment. Experts dispel the former and offer clues to alleviate the latter.

Is the landlord obligated to lower the rent?

One of the most frequent questions that the state of alarm raises in tenants and landlords is if the owner, in this exceptional situation, is obliged to accept a temporary rent reduction. Waiting for an eventual government decision on a possible cancellation or moratorium on rentals, as requested by various associations of users and tenants, the response of the College of Real Estate Agents (Coapi) of Barcelona and the Association of Agents Real Estate of Catalonia (AIC) is emphatic: “No”.

“The Urban Leasing Law does not provide for the temporary reduction of rental income. However, a discount can be agreed between lessor and lessee for an agreed period of time ”, clarify from the Coapi and the AIC. In the case of business premises, it could also be considered that, “as a result of an unforeseen event, the contractual circumstances change substantially, which would justify the request for a reduction in the payment of rent,” they add.

So what to do if the tenant does not pay this month?

Through a regulation that establishes the suspension or cancellation of rents for a certain period, the Government could eventually regularize all defaults that occur these days due to the coronavirus crisis. It is an option in which the Executive works, and to which, on Friday, the Minister for Equality, Irene Montero, was open, but which until now has not materialized.

If this decision does not finally come, “when the judicial activity resumes, the owner may claim the unpaid rent,” explains Ignasi Vivés, a lawyer specialized in leases at the Sanahuja Miranda law firm. The professionals who advise in this area, however, are already exhorting the parties so that, even provisionally, they can reach an agreement. “The goal is for both the owner and the tenant to come out as little harmed as possible from a difficult moment like the one we are experiencing,” says this lawyer.

Are contracts automatically extended?

The answer, in this case, is affirmative. The royal decree declaring the state of alarm for the management of the health crisis situation caused by Covid-19 establishes the suspension of all prescription and expiration periods during its validity. “Tacitly, it is understood that the rental agreement is also extended until the exceptional situation arises,” says Vivés.

Can new signatures be made?

During the validity of the state of alarm, people can only circulate on public roads to go shopping, to the pharmacy or health centers, and to work if not telework, or return to the habitual residence, assist the elderly or dependents, go to the bank or the insurance company, or due to a situation of need. Therefore, it seems evident that “signing a new lease during these dates does not make much sense”, in the words of Vivés.

And leave one floor to move to another?

If the lease expires at the end of this month and we meet in normal times, the tenant should leave the apartment and move to another. Is it possible to do it despite the alarm state? For the same reasons as in the previous question, “it clearly follows that during this period it is not allowed to move,” says Vivés.

What to do if advance notice has already been given?

Since the house cannot be handed over, nor can its status be verified or the property accessed to record the data of the meters, from the Coapi and the AIC they recommend asking the tenant to send the signed resignation electronically and a photo of the meters to which may have access or the last bill for supplies. Since the administrative deadlines are suspended in this period, “the owner must acknowledge receipt, warning that it is pending, once the term of the alarm state ends, the status verification and the return of the deposit, and will not be able to collect any other rent “, Stand out.

What happens to tickets in early April?

Another case could be that of a tenant who has to enter an apartment with a rental agreement that begins in April. “This period is fully exceptional and must be in accordance with the specific circumstances of each case and appeal to the common sense of the parties involved in any legal business,” stressed Vivés. “We must understand that during the declaration of a state of alarm, the legal business of the lease is suspended, and its effects will resume whenever the alarm situation arises,” adds this lawyer. Patience, then.

Only the delivery of the keys remains; It is supported?

In the period of restriction of movement it is not possible to stay with the owner so that he gives us the keys to the apartment that he rents from us, so, due to force majeure, delivery must be deferred at the time the limitation is remitted. “The Royal Decree does not stitch all possible casuistics in as much detail, so for reasons of public health it is considered that the best and most accurate way is to avoid any type of displacement that is not absolutely necessary and is not fully justified,” he warns. Do you live.

“During the state of emergency, the house will not have been accessed and, when the keys are handed over, it must have the same conditions as when the previous tenant resigned,” warn from the Coapi and the AIC .

Public and private initiatives

Given the difficulties that all people who are in a situation of economic vulnerability due to the coronavirus pandemic may suffer, both Unidas Podemos and the user associations Facua and Asufin have proposed these days to the Government the cancellation or suspension of rent payments in the alarm state. Likewise, some initiatives of the private sector and public administration have been registered.

CaixaBank tenants

BuildingCenter, the real estate subsidiary of CaixaBank, will forgive the April rent to all those tenants of its more than 21,000 homes that meet certain requirements. The measure is aimed at tenants who have become unemployed or have suffered a contract suspension or a reduction in working hours due to force majeure (total or partial ERTE), and also to employers or professionals who have had to close the business or experience a drop in sales of more than 40%.

It will be enough to present the unemployment certificate in which the subsidy received appears or, in the event of unemployment, the suspension of the contract or the reduction of working hours. The employer or the professional will accredit the right to forgiveness through a certificate of cessation of activity or a declaration responsible for a drop in sales of more than 40%.

The application period ends one month after the end of the alarm status. The cancellation will be applied immediately and can be extended until the month in which the alert period ends, if it is extended for a longer time.

The Social Housing Fund

Tenants of the Social Housing Fund who have been affected by the Covid-19 pandemic may benefit from a deferment of payment of up to three monthly payments. The credit institutions that manage the fund, created in 2013, have more than 10,000 homes that are leased to people who have lost their usual home. The banks that will apply this measure are Santander, BBVA, Sabadell, Abanca, Bankinter, ING, Deutsche Bank and Banca March, according to the Spanish Banking Association (AEB).

Asked about the details of the suspension, AEB sources limit themselves to stressing that “they are taking shape”, but they affirm that “the commitment of all entities is to make it a simple and quick process, so that it really represents effective aid to families who are suffering the effects of the current health crisis ”. This initiative would also be affected by a cancellation or a moratorium on the payment of rents that may eventually be approved by the Government.

Suspension in Barcelona

The Barcelona City Council announced on Tuesday that it halts the collection of the rent for the public housing park in which some 12,000 families live, according to calculations by the government of Mayor Ada Colau. Fees for April, May and June will not be charged. The homes of the Municipal Institute of Housing (IMHAB, for its acronym in Catalan) will prorate them from July and for the next 18 months, until December 2021. The rents of the premises of public housing buildings will also be suspended.

Likewise, the City Council of Barcelona will allocate a sum of 3.5 million euros to lower fees to families who need it.

Mediation in the Madrid Rent Plan

With the aim of detecting who, out of the more than 16,000 tenants of its Rent Plan, are in a vulnerable situation, the Community of Madrid announced on Thursday the launch of an intermediation service. “The common agreement between the parties will be sought, which will allow us to find continuity formulas in the rental contract, whether by means of payment deferrals, installments, forgiveness or reduction of income,” reads a government statement chaired by Isabel Díaz Ayuso.

The conditions of vulnerability are the same as those established in the royal decree on the mortgage moratorium approved on March 18. Requests for intermediation can be sent to the email address [email protected].

The post Coronavirus crisis: What about rents in alarm state? | My finances section appeared first on Cryptodictation.

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fmservers · 6 years

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Landbot gets $2.2M for its on-message ‘anti-AI’ chatbot

Who needs AI to have a good conversation? Spanish startup Landbot has bagged a $2.2 million seed round for a ‘dumb’ chatbot that doesn’t use AI at all but offers something closer to an old school ‘choose your adventure’ interaction by using a conversational choice interface to engage potential customers when they land on a website.

The rampant popularity of consumer messaging apps has long been influencing product development decisions, and plenty of fusty business tools have been consumerized in recent years, including by having messaging-style interfaces applied to simplify all kinds of digital interactions.

In the case of Landbot, the team is deploying a familiar rich texting interface as a website navigation tool — meaning site visitors aren’t left to figure out where to click to find stuff on their own. Instead they’re pro-actively met with an interactive, adaptive messaging thread that uses conversational choice prompts to get them the information they need.

Call it a chatty twist on the ‘lazyweb’…

It’s also of course mobile first design, where constrained screen real estate is never very friendly to full fat homepages. Using a messaging thread interface plus marketing bots thus offers an alternative way to cut to the navigational chase, while simultaneously creaming off intent intelligence on potential customers. (Albeit it does risk getting old fast if your site visitors have a habit of clearing their cookies.)

Landbot, which was launched just over a year ago in June 2017, started as an internal experiment after its makers got frustrated by the vagaries of their own AI chatbots. So they had the idea to create a drag-and-drop style bot-builder that doesn’t require coding to support custom conversation flows.

“Since we already had a product, a business model, and some customers, we developed Landbot as an internal experiment. “What would happen with a full-screen conversation instead of the regular live-chat?,” we thought. What we got? A five times higher conversion rate on our homepage! Ever since, our whole strategy changed and Landbot, born from an experiment, became our core product,” explains CEO and co-founder Jiaqi Pan.

At the same time, the current crop of ‘cutting-edge’ AI chatbots are more often defined by their limitations than by having impressively expansive conversational capacities. Witness, for example, Google’s Duplex voice AI, heavily trained to perform very specific and pretty formulaic tasks — such as booking a hair appointment or a restaurant. Very few companies are in a position to burn so much engineering resource to try and make AI useful.

So there’s something rather elegant about eschewing the complexity and chaos of an AI engine (over)powering customer engagement tools — and just giving businesses user-friendly building blocks to create their own custom chat flows and channel site visitors through a few key flows.

After all, a small business knows its customers best. So a tool that helps SMEs create an engaging interface themselves, without having to plough resources they likely don’t have into training high maintenance chat AIs which are probably overkill for their needs anyway, seems a good and sensible thing.

Hence Pan talks about “democratizing the power of chatbots”. “Most landbot customers are marketing managers from small and medium companies that want to discover new ways of optimizing their conversion rates,” he tells us, saying that most are using the tool to convert more leads in their home/landing page; add dynamic surveys/forms to their websites; or explain their services — “in a more engaging way while scoring leads and being able to take over conversations when necessary”. (Buddy Nutrition is a Landbot customer, for example).

“We started our chatbot journey using Artificial Intelligence technology but found out that there was a huge gap between user expectations and reality. No matter how well trained our chatbots were, users were constantly dropped off the desired flow, which ended up in 20 different ways of saying “TALK WITH A HUMAN”,” he adds. “But we were in love with the conversational approach and, inspired by some great automation flow builders out there, we decided to give Conversational User Interfaces a try. Some would call them ‘dumb chatbots’.

“The results were amazing: The implementation process was way shorter, the technical background was removed from the equation and, finally, costs dropped too! Now, even companies with 100% focus on AI-based chatbots use Landbot as a truly cost-effective prototyping tool. We ended up creating the easiest and fastest chatbot builder out there. No technical knowledge, just a drag and drop interface and unlimited possibilities.”

Despite the startup-y hyperbole, the team does seem to have hit a sweet spot for their product. In less than a year since launching — via Product Hunt — Landbot has signed up more than 900 customers from 50+ countries, and is seeing a 30-40% MRR Growth MoM, according to Pan. Although they are offering a (branded) freemium version to help stoke the product’s growth, as well as paid tiers.

The $2.2M seed round is led by Nauta Capital, with Bankinter and Encomenda Smart Capital also participating. The plan for the funding is to grow headcount and pay for relocating Landbot’s head office from Valencia to Barcelona — to help with their international talent hunt as they look to triple the size of the team.

They’ll also be using the funding on their own brand marketing, rather than relying on viral growth — acknowledging that marketing spend is going to be important to stand out in such a crowded space, with thousands of competing solutions also vying for SMEs’ cash.

And, indeed, other conversational UIs out in the wild delivering a similarly chatty experience on the customer end, though Landbot’s claim is it’s differentiating in the market behind the scenes, with easy to use, ‘no coding necessary’ customization tools.

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On the competition from, Pan names the likes of Chatfuel and Manychat as “powerful but channel-dependent” rival chatbot builders, while at the more powerful end he points to DialogFlow or IBM Watson but notes they do require technical knowledge, so the market positioning is different.

“Landbot tries to bring chatbots to the average Joe,” he adds. “While still keeping features for developers that demand complex functionalities in their chatbots (they can achieve by configuring webhooks, callbacks, CSS and JS customization).”

He also identifies players in the automated lead generation space — such as Intercom (Operator) and Drift (Drift bot) — saying they are aiming to transform sales and marketing processes “into something more conversational”. “The flow customization possibilities are fewer but the whole product is robust as they cover each stage of the conversion funnel, all the way to customer service,” he adds.

In terms of capabilities, Landbot also rubs up against survey/form offerings like SurveyMonkey and Google Form — or indeed Barcelona-based Typeform, which has raised around $50M since 2012 and bills itself as a platform for “conversational data collection”.

Pan rather delightfully characterizes Typeform as “bringing that conversational essence to the almighty sequences of fields”. Though he argues it’s also more limited “in terms of integrations and real-time human take-over capabilities”, i.e. as a consequence of wrangling those “almighty sequences”. So basically his argument is that Landbot isn’t saddled with Typeform’s form(ulaic) straightjacket. (Though Typeform would probably retort that its conversational platform is flexible.)

Still, where customer engagement is concerned, there’s never going to be one way. Sometimes the straight form will do it, but for another brand or use case something more colloquial might be called for.

Commenting on the seed round in a statement, Jordi Vinas, general partner at Nauta Capital, adds: “Landbot has experienced strong commercial traction and virality over the past months and the team has been able to attract customers from a variety of countries and verticals. We strongly believe in Jiaqi’s ability to continue scaling the business in a capital efficient way.”

Via Natasha Lomas https://techcrunch.com

#TechCrunch

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