{"id":25787,"date":"2015-11-23T10:37:59","date_gmt":"2015-11-23T16:37:59","guid":{"rendered":"http:\/\/centrourbano.com\/?p=25787"},"modified":"2015-11-23T10:37:59","modified_gmt":"2015-11-23T16:37:59","slug":"fovissste-detonador-de-vivienda-urbana","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/opinion\/fovissste-detonador-de-vivienda-urbana\/","title":{"rendered":"Fovissste, detonador de vivienda urbana"},"content":{"rendered":"

Si la industria inmobiliaria est\u00e1 cerrando el a\u00f1o a todo vapor y con una tendencia que permite asegurar que el resultado anual superar\u00e1 todo pron\u00f3stico, se debe fundamentalmente a la disponibilidad de cr\u00e9ditos hipotecarios.<\/em><\/p>\n

Octubre no hab\u00eda finalizado y ya Infonavit, de Alejandro Murat, hab\u00eda cumplido su meta anual de m\u00e1s de 500 mil cr\u00e9ditos, en tanto que el Fovissste, de Luis Godina, hab\u00eda formalizado m\u00e1s de 86 mil en l\u00ednea con un programa anual que supone m\u00e1s de 100 mil.<\/p>\n

El caso de Fovissste es particularmente importante, porque con un monto promedio de cr\u00e9dito cercano a 650 mil pesos y con financiamientos del orden incluso de 3 millones, se ha convertido en un poderos\u00edsimo motor de la vivienda urbana.<\/p>\n

Asumiendo que el Infonavit es la mayor hipotecaria del pa\u00eds, sin duda el Fovissste ocupa un claro segundo lugar, generando m\u00e1s cr\u00e9ditos que toda la banca privada en su conjunto.<\/p>\n

Cosa a destacar es que ya apenas 40 por ciento de sus cr\u00e9ditos sean para adquisici\u00f3n de vivienda nueva, ya que del total de financiamientos otorgados, 18.45 por ciento son para mejoramiento de vivienda, y el resto se divide casia mitades entre vivienda nueva y usada\u2026 Aunque esta \u00faltima sea, por escaso margen, la que ocupa un primer\u00edsimo lugar entre los esquemas que opera el Fondo.<\/p>\n

Esta transformaci\u00f3n en la estructura de asignaci\u00f3n de cr\u00e9dito es un claro indicador de la transformaci\u00f3n del Fondo, porque revela un proceso encaminado a atender en forma m\u00e1s eficiente demandas muy espec\u00edficas de sus 3.5 millones de derechohabientes, que van m\u00e1s all\u00e1 de solo financiar compra de vivienda nueva.<\/p>\n

Cierro destacando dos temas; el Fovissste es la \u00fanica instituci\u00f3n, p\u00fablica o privada, que otorga cr\u00e9dito para vivienda a pensionados, y como hab\u00eda dicho, por su monto promedio de cr\u00e9dito, su papel es fundamental para cumplir uno de los principales objetivos de la nueva pol\u00edtica de vivienda; generar vivienda en zonas urbanas.<\/p>\n

Los espero en Vivienda en Verde TV, que se transmite por Green TV y Efekto TV.<\/p>\n

 <\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Si la industria inmobiliaria est\u00e1 cerrando el a\u00f1o a todo vapor y con una tendencia que permite asegurar que el resultado anual superar\u00e1 todo pron\u00f3stico, se debe fundamentalmente a la disponibilidad de cr\u00e9ditos hipotecarios.<\/p>\n","protected":false},"author":77,"featured_media":18366,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5],"tags":[170],"class_list":["post-25787","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-desde-la-casa","category-opinion","tag-horacio-urbano"],"yoast_head":"\nFovissste, detonador de vivienda urbana -<\/title>\n<meta name=\"description\" content=\"Si la industria inmobiliaria est\u00e1 cerrando el a\u00f1o a todo vapor y con una tendencia que permite asegurar que el resultado anual superar\u00e1 todo pron\u00f3stico,\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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