{"id":57285,"date":"2022-05-11T21:49:16","date_gmt":"2022-05-11T21:49:16","guid":{"rendered":"https:\/\/elregionalvm.com.ar\/noticias-villa-maria\/?p=57285"},"modified":"2022-05-14T23:26:54","modified_gmt":"2022-05-14T23:26:54","slug":"opinion-creditos-uva-los-dos-lados-de-la-historia","status":"publish","type":"post","link":"https:\/\/elregionalvm.com.ar\/noticias-villa-maria\/opinion-creditos-uva-los-dos-lados-de-la-historia\/","title":{"rendered":"[Opini\u00f3n] Cr\u00e9ditos UVA: los dos lados de la historia"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><strong>En 2016 se lanzaron los cr\u00e9ditos UVA, un tipo de pr\u00e9stamo hipotecario que ajusta su valor por inflaci\u00f3n. A seis a\u00f1os de su implementaci\u00f3n la C\u00e1mara de Diputados busca dar un tratamiento especial a los deudores UVA por el aumento de las cuotas. Surge entonces la pregunta: \u00bfhan sido los cr\u00e9ditos UVA una mala herramienta?<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Informe: Idesa<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Para responder es necesario revisar la historia reciente. Desde el fin de la convertibilidad, a\u00f1o a a\u00f1o la inflaci\u00f3n subi\u00f3 y los bancos, para cubrirse de la desvalorizaci\u00f3n del peso y la incertidumbre, abandonaron los cr\u00e9ditos hipotecarios a tasa fija, comenzando a solicitar elevadas tasas de inter\u00e9s y mayores requisitos.<\/p>\n\n\n\n<p>Ante este escenario, en 2012 el gobierno decidi\u00f3 otorgar cr\u00e9ditos a tasa subsidiada mediante el Plan Procrear. El problema es que el sector p\u00fablico no tiene la capacidad de movilizar los recursos necesarios para abastecer la demanda, y los bancos tampoco pod\u00edan competir contra las tasas de este plan, que estaban muy por debajo de la inflaci\u00f3n.<\/p>\n\n\n\n<p>Como resultado, el cr\u00e9dito hipotecario para 2016 hab\u00eda pr\u00e1cticamente desaparecido (pas\u00f3 de casi 6% del PIB a 0,7%).<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/i0.wp.com\/elregionalvm.com.ar\/noticias-villa-maria\/wp-content\/uploads\/2021\/04\/Reclamo-UVA-frente-Banco-Nacion.jpeg?resize=1024%2C768&#038;ssl=1\" alt=\"\" class=\"wp-image-36468\" srcset=\"https:\/\/i0.wp.com\/elregionalvm.com.ar\/noticias-villa-maria\/wp-content\/uploads\/2021\/04\/Reclamo-UVA-frente-Banco-Nacion.jpeg?resize=1024%2C768&amp;ssl=1 1024w, https:\/\/i0.wp.com\/elregionalvm.com.ar\/noticias-villa-maria\/wp-content\/uploads\/2021\/04\/Reclamo-UVA-frente-Banco-Nacion.jpeg?resize=300%2C225&amp;ssl=1 300w, https:\/\/i0.wp.com\/elregionalvm.com.ar\/noticias-villa-maria\/wp-content\/uploads\/2021\/04\/Reclamo-UVA-frente-Banco-Nacion.jpeg?resize=768%2C576&amp;ssl=1 768w, https:\/\/i0.wp.com\/elregionalvm.com.ar\/noticias-villa-maria\/wp-content\/uploads\/2021\/04\/Reclamo-UVA-frente-Banco-Nacion.jpeg?w=1040&amp;ssl=1 1040w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><figcaption><em>En todo el pa\u00eds hubo reclamos por las altas cuotas. Sin embargo, desde Idesa sostienen que es la \u00fanica alternativa de cr\u00e9dito. <\/em><\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Con la introducci\u00f3n de los cr\u00e9ditos UVA inicialmente existi\u00f3 un auge, duplic\u00e1ndose el cr\u00e9dito hipotecario (1,3% del PIB). Para 2019 su crecimiento se estanc\u00f3 y comenzaron los congelamientos de cuotas.<\/p>\n\n\n\n<p>A partir de 2021 se desmantel\u00f3 el sistema con la f\u00f3rmula Hog.Ar, que sigue la evoluci\u00f3n salarial, con un tope mensual de 2% por encima de la inflaci\u00f3n en el caso que el salario aumentara por encima de la inflaci\u00f3n.<\/p>\n\n\n\n<p><strong>\u00bfC\u00f3mo funcion\u00f3 el sistema mientras no se alter\u00f3?<\/strong><\/p>\n\n\n\n<p>Entre abril de 2016 y diciembre de 2019, UVA (+221%) e inflaci\u00f3n (+227%) aumentaron a la par. Es cierto que el salario formal (+180%) aument\u00f3 muy por debajo de las cuotas.<\/p>\n\n\n\n<p>Sin embargo, el deudor tom\u00f3 un cr\u00e9dito para adquirir una propiedad dolarizada (el d\u00f3lar paralelo subi\u00f3 386%), entonces si bien su salario aument\u00f3 menos que su pasivo (la deuda), tambi\u00e9n se da que su activo (el inmueble) aument\u00f3 por encima de la deuda.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Cr\u00e9ditos UVA: los dos lados de la historia\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/MDHt1BCL3ro?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Veamos un ejemplo concreto para mayor claridad:<\/strong><\/p>\n\n\n\n<p>Supongamos que un trabajador formal que recibe un salario promedio (RIPTE) tom\u00f3 un cr\u00e9dito UVA en abril de 2016 para adquirir una propiedad por USD 100.000.<\/p>\n\n\n\n<p>C\u00f3mo la relaci\u00f3n pr\u00e9stamo\/valor de la propiedad (LTV) oscilaba entre 60% y 80% asumamos un 70%, por lo tanto, se otorga un cr\u00e9dito UVA equivalente a USD 70.000.<\/p>\n\n\n\n<p>Consideremos, a su vez, condiciones est\u00e1ndar del mercado en aquel momento: cr\u00e9dito a 20 a\u00f1os, con una tasa UVA + 4% anual en un banco p\u00fablico y una relaci\u00f3n cuota\/ingreso inicial de 35%.<\/p>\n\n\n\n<p>De esta manera, el cr\u00e9dito ser\u00e1 de 73.310 UVA (aproximadamente $1 mill\u00f3n de pesos en el momento inicial) y se paga una cuota inicial de unos $6.300 mensuales.<\/p>\n\n\n\n<p>Bajo estas condiciones, para diciembre de 2019 el peso de la cuota respecto al salario se increment\u00f3 desde el 35% inicial a un 40%. Esto es lo ya conocido.<\/p>\n\n\n\n<p>No obstante, el peso del pr\u00e9stamo en relaci\u00f3n al valor de la propiedad disminuy\u00f3 del 70% inicial al 40%.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-el-regional wp-block-embed-el-regional\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"wp-embedded-content\" data-secret=\"7SMDEYrzgm\"><a href=\"https:\/\/elregionalvm.com.ar\/noticias-villa-maria\/creditos-uva-de-sueno-a-pesadilla-laura-y-martin-a-punto-de-perder-la-casa\/\">Cr\u00e9ditos UVA, de sue\u00f1o a pesadilla:  Laura y Mart\u00edn, a punto de perder la casa<\/a><\/blockquote><iframe class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" style=\"position: absolute; clip: rect(1px, 1px, 1px, 1px);\" title=\"\u00abCr\u00e9ditos UVA, de sue\u00f1o a pesadilla:  Laura y Mart\u00edn, a punto de perder la casa\u00bb \u2014 El Regional\" src=\"https:\/\/elregionalvm.com.ar\/noticias-villa-maria\/creditos-uva-de-sueno-a-pesadilla-laura-y-martin-a-punto-de-perder-la-casa\/embed\/#?secret=hL9kdHddUC#?secret=7SMDEYrzgm\" data-secret=\"7SMDEYrzgm\" width=\"500\" height=\"282\" frameborder=\"0\" marginwidth=\"0\" marginheight=\"0\" scrolling=\"no\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Acceso al cr\u00e9dito<\/strong><\/p>\n\n\n\n<p>Es cierto que afrontar las cuotas UVA se hizo m\u00e1s dif\u00edcil, como tambi\u00e9n se hizo m\u00e1s dif\u00edcil pagar un alquiler. Esto es fruto de una elevada inflaci\u00f3n con salarios que nunca la alcanzan.<\/p>\n\n\n\n<p>Pero tambi\u00e9n es cierto que la situaci\u00f3n patrimonial del deudor mejor\u00f3. Esto es porque el valor del inmueble aument\u00f3 por encima de la deuda. Estos son los dos lados de la historia.<\/p>\n\n\n\n<p>Es bienvenido el debate respecto a mejorar la calidad del mecanismo UVA. Existen correcciones que pueden realizarse para mitigar el impacto de la elevada inflaci\u00f3n sobre la capacidad de pago.<\/p>\n\n\n\n<p>Pero esto no debe llevar al desmantelamiento de un instrumento que verdaderamente ampl\u00eda oportunidades porque posibilita el acceso al cr\u00e9dito hipotecario a largo plazo. Sin UVA no hay cr\u00e9dito, y sin cr\u00e9dito el acceso a la vivienda s\u00f3lo queda para los m\u00e1s pudientes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En 2016 se lanzaron los cr\u00e9ditos UVA, un tipo de pr\u00e9stamo hipotecario que ajusta su valor por inflaci\u00f3n. A seis a\u00f1os de su implementaci\u00f3n la C\u00e1mara de Diputados busca dar un tratamiento especial a los deudores UVA por el aumento de las cuotas. Surge entonces la pregunta: \u00bfhan sido los cr\u00e9ditos UVA una mala herramienta? [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":57457,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":""},"categories":[2323,365,2074],"tags":[3025,6861,8094,1973,2467,6833,3024,6268,3023],"class_list":["post-57285","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-notas-secundarias","category-opinion","category-videos","tag-credito-hipotecario","tag-creditos-uva","tag-deuda","tag-idesa","tag-inflacion","tag-pbi","tag-procrear","tag-salario","tag-vivienda"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>[Opini\u00f3n] Cr\u00e9ditos UVA: los dos lados de la historia - El Regional<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/elregionalvm.com.ar\/noticias-villa-maria\/opinion-creditos-uva-los-dos-lados-de-la-historia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[Opini\u00f3n] Cr\u00e9ditos UVA: los dos lados de la historia - El Regional\" \/>\n<meta property=\"og:description\" content=\"En 2016 se lanzaron los cr\u00e9ditos UVA, un tipo de pr\u00e9stamo hipotecario que ajusta su valor por inflaci\u00f3n. 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A seis a\u00f1os de su implementaci\u00f3n la C\u00e1mara de Diputados busca dar un tratamiento especial a los deudores UVA por el aumento de las cuotas. Surge entonces la pregunta: \u00bfhan sido los cr\u00e9ditos UVA una mala herramienta? 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