{"id":5831,"date":"2014-04-02T10:53:37","date_gmt":"2014-04-02T16:53:37","guid":{"rendered":"http:\/\/centrourbano.com\/?p=5831"},"modified":"2014-04-02T10:53:58","modified_gmt":"2014-04-02T16:53:58","slug":"hipoteca-con-servicios","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/opinion\/hipoteca-con-servicios\/","title":{"rendered":"Hipoteca con Servicios"},"content":{"rendered":"<p><b>\u00a0<\/b>Por Rocio Ter\u00e1n<strong>*<\/strong><\/p>\n<p><i><!--more--><\/i><\/p>\n<p>Dentro de las Reglas de Operaci\u00f3n del Programa de Esquemas de Financiamiento y Subsidio Federal para la Vivienda de la Secretar\u00eda de Desarrollo Agrario, Territorial y Urbano, se incluye la \u201cHipoteca con Servicios\u201d con un puntaje, en los rubros de: Opciones de Competitividad y Cohesi\u00f3n Social.<\/p>\n<p>La conservaci\u00f3n de los desarrollos y los servicios p\u00fablicos son de los atributos m\u00e1s valorados por los acreditados, en t\u00e9rminos de su contribuci\u00f3n a la calidad de vida vinculada a la vivienda. El Infonavit ha identificado que las unidades habitacionales presentan necesidades de mejora de los servicios p\u00fablicos (Recolecci\u00f3n de residuos s\u00f3lidos, alumbrado p\u00fablico, calles, seguridad), falta de conservaci\u00f3n de \u00e1reas comunidades 8\u00e1reas verdes, banquetas, limpieza) y ausencia de organizaci\u00f3n vecinal.<\/p>\n<p>M\u00e9xico tiene la recaudaci\u00f3n de predial m\u00e1s baja de la OCDE (0.2% del PIB VS 2% promedio),\u00a0 por lo que los municipios cuentan con recursos limitados para la provisi\u00f3n de los servicios p\u00fablicos. La mayor\u00eda de las unidades habitacionales, con vivencia financiada por Infonavit, no cuenta con esquemas profesionales de conservaci\u00f3n de \u00e1reas comunes.<\/p>\n<p>En 2012, e Centro Mario Molina public\u00f3 el \u00edndice de Sustentabilidad de la Vivienda y su Entorno (ISV) e identific\u00f3 que una de las principales \u00e1reas de oportunidad es la falta de conservaci\u00f3n de las unidades habitacionales. Una de sus principales recomendaciones es: \u201cAmpliar las pr\u00e1cticas que garantizan el pago de una cuota de mantenimiento a trav\u00e9s del cr\u00e9dito hipotecario, de tal manera que con ello se promueve una administraci\u00f3n profesionalizada en los conjuntos habitacionales\u201d.<\/p>\n<p>Este programa facilita el pago de las cuotas de predial y\/o conservaci\u00f3n a trav\u00e9s de la hipoteca, a fin de aumentar la plusval\u00eda de patrimonio, mejorar la calidad de vida y proteger la garant\u00eda hipotecaria en beneficio de los acreditados. \u201cHipoteca Verde\u201d es un producto de cr\u00e9dito, en el cual el acreditado autoriza de manera voluntaria al Infonavit, la retenci\u00f3n del pago de servicios (predial y\/o cuota de conservaci\u00f3n) junto con el pago de la hipoteca, los cuales son utilizados en la conservaci\u00f3n de las \u00e1reas comunes o servicios p\u00fablicos.<\/p>\n<p>Tiene dos vertientes: cuotas de conservaci\u00f3n, aplica en las unidades habitacionales que son inscritos al programa por parte del desarrollador, en donde el acreditado est\u00e1 de acuerdo con el descuento de la cuota de conservaci\u00f3n; e impuesto predial, aplica en aquellos municipios que est\u00e1n interesados en participar y que tienen altos vol\u00famenes de originaci\u00f3n de cr\u00e9ditos del Instituto. De esta forma, el derechohabiente decide en forma voluntaria si requiere participar y autorizar al Infoanvit a que te retenga las cuotas correspondientes.<\/p>\n<p style=\"text-align: right;\"><strong>*Colaboradora del\u00a0<i>5\u00b0 Foro Internacional de Vivienda Sustentable<\/i><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Por Rocio Ter\u00e1n*<\/p>\n","protected":false},"author":14,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[242,5],"tags":[1356,100,1355],"class_list":["post-5831","post","type-post","status-publish","format-standard","hentry","category-blog-de-invitado","category-opinion","tag-hipoteca-con-servicios","tag-infonavit","tag-isv"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipoteca con Servicios -<\/title>\n<meta name=\"description\" content=\"\u00a0Por Rocio Ter\u00e1n* Dentro de las Reglas de Operaci\u00f3n del Programa de Esquemas de Financiamiento y Subsidio Federal para la 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