In early 2009, global crisis, the Government of Cristina Fernandez de Kirchner has launched an extensive battery of plans to boost consumption and sustain the flagging production.
Thus, funds from the Social Security Administration (ANSES), the Executive decided to fund a wide range of products including cars, bicycles, refrigerators and water heaters. Even the play was further and added services such as tourism. Although the sums of money to finance consumption, the government plans passed without unnoticed.
motorized Some credits even 10% of sales that were tried and others, like the 0 km, still are putting first.
In this context marked by the reluctance of society to incur new debt, the only credit scheme was well received was that of the mortgage.
In an initial phase, the government channeled through the Banco Hipotecario, an outlay of U.S. $ 300 mln, to provide loans for the purchase, construction and expansion housing. Sold the stock, the Executive should bring forward the disbursement of the amount planned for 2010 and 2011, $ 600 million each, ie a total of $ s1.500 million for the three years.
The fact to note is that the level of demand was such that the funds available for the whole year and next and would be virtually foreclosed.
In fact, according to the Banco Hipotecario, 17,000 people have already been pre-qualified to take the credit. "For the first stage, ahead ANSES announced that the budget set for the entire program as to avoid problems of quotas, "explained sources of the entity to this medium.
Radiography of the beneficiaries
According to information provided by the Mortgage Bank to iProfesional.com, there are 17,000 pre-qualified folders. To these must be added a total of 3,395 applications have already been adopted - or are pre-approval process - for a total of 540 million pesos.
Thus, overall, there are already more than 20,000 official members of the scheme.
As for the fate of the loans, those for construction will take most, especially in the interior, where taking into account the availability of land is higher than that in Capital Federal, 70% of stakeholders requested the money for that destination.
"What is the ideal rate?
In this context, opportunities are restricted basically to the options offered by the sector Hipotecario.Sin But also consider that the TNA ranging from 10% to 15% depending on the destination, with a CFT 20% is still high to buy a home.
is why in the Association of Housing, are working on a proposal that addresses the decline.
Meanwhile, thousands of people awaiting final approval for Mortgage loan access, while others must await a new era.
beaten A market
school statistics indicate that Capital Write the property market fell nearly 40% in the first half. Thus, of the 33,000 transactions recorded in 2008, passed about 20,000 in the same period this year. According to sources, do not expect a turnaround in the second half of the year and, for economists, the sector may suffer further as a result of a decline in public works, which is a strong promoter of the activity.
Source: Professional Infobae
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