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Real estate is a generic term, including defining and any commercial or private relating to real estate. The term commonly refers to transactions occurring on the property, but it also affects many related activities such as: construction, promotion, consulting, planning, architecture, management, etc.. The law and finance are areas of activity essential to the functioning of the housing market.

A property is property that can not be moved, as shown by its Latin root (negation of the Latin verb meaning mobilis "which can be mu, stirred). This may involve a bare land (that is to say without any building), a building or part of a building that is used for residential purposes, offices, storage, or industrial use mixed.

The housing market is one of the purchase, sale and leasing of real estate. Property sales are mainly OTC, but a game is in the auction, in the case of seizures, or goods sold through estate conflict.

These transactions, whether for goods, new or used, involving intermediaries such as companies (diagnosis, real estate agencies, real estate investment company, real estate company, property company, etc..) Or body business (real estate agent, expert, surveyor, realtor, real estate negotiator, lawyer, etc..).

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Price developments

The housing market is a market where prices are freely determined between buyers and sellers, they tend to fluctuate over time depending on external factors (economic or political conditions in particular).

The analysis of the behavior of housing markets over long periods, carried out by the ministry in charge of housing [1], shows that the evolution of prices:

* A trend growth very close to that of the average income per household;
* Is autocorrelated. Thus, a market is likely to decline in a year if N decreased already during the year N-1. Conversely, if prices increase over a year, there are chances that they increase again next year. Multi-year periods of follow up, then, after turning the market, multi-year periods of falling prices;
* Is weakly related to changes in interest rates on mortgages, reflecting the trade-offs between investments in real estate and bond;
* Is weakly correlated over the equity markets. In particular, periods of stock market crashes do not coincide with a particular behavior of housing prices;
* Is weakly related to the size of the housing stock.

Prices also depend on variables "irrational" difficult to measure such as weight beliefs, opportunities craze, etc..

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Bubbles and speculation

The speculative real estate market can affect prices, when it leads to the formation of a housing bubble.
Main articles: housing bubble and property speculation.
Price evaluation [edit]
Main article: Real Estate Appraisal.

Besides the cyclical effects, the characteristics of a good influence on its price. These may be intrinsic to the property (ease of access and management, comfort, isolation, exposure, aesthetics, obsolescence, costs and workload, busy or free living), emotional elements (heirlooms). Phenomena of scarcity can possibly be created by administrative constraints of construction [2].

The comparison unit prices of real estate is generally the price per square meter (square foot or, in some Anglo-Saxon). For income properties, we use multiple income and other measures related (discount rate). Finally, units of comparison are also used highly variable depending on the type of ownership (cubic meter, meter frontage, price room or apartment, etc.)..

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Heritage Real Estate

The real estate is the set of properties that have economic agents (households, financial corporations, nonfinancial corporations, ...). The real estate is one of nonfinancial assets.

The amounts involved are higher than those of financial markets or commodities.

In France, for example, the real estate represents 85% of non-financial assets of the whole economy and 95% of non-financial assets held by households [3]. It constitutes 32% of the assets of the economy, and 68% of all assets held by households.

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