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26 de abril de 2024
¿cuánto es?
Créditos impagables: un departamento en Rosario cuesta hoy hasta 110.000 UVAS sábado 27 de abril de 2019 19:24
Aquella línea crediticia que el gobierno nacional anunció en marzo de 2016 como la posibilidad de cumplir el sueño de acceder a la casa propia hoy se volvió una pesadilla para la mayoría de las familias que tomaron un crédito UVA y que les resulta imposible pagar la cuota mes a mes.
En este marco, un nuevo informe del Centro de Estudios Económicos y Sociales Scalabrini Ortiz (Ceso) analiza su funcionamiento y riesgos. A la vez, expone con un caso testigo cuál es la situación que están atravesando los tomadores de préstamos UVA y cuál podría ser su evolución futura.
Desde su implementación hasta enero de 2019, la UVA aumentó un 121 por ciento mientras que los salarios del sector registrado crecieron 105 por ciento. Actualmente, el valor de la UVA es 34,78 pesos, mientras que en su inicio era de 14,05. Esto significa que mientras a fecha de su lanzamiento devolver 100 UVAs costaba 1.405, pesos hoy cuesta 3.478. Así, advierte que un departamento en el centro de Rosario puede salir 110.000 UVAS.
En este sentido, destaca que “el atractivo inicial de bajos ingresos para acceder al préstamo y de pago de cuotas similares a alquileres que ofrecía esta línea crediticia quedó atrás”. Es que la cuota inicial para adquirir un departamento de 100 mil dólares es de 34.340 pesos y el ingreso neto necesario 136.277 pesos. Además, el crecimiento del valor de la propiedad elevó el ingreso mínimo que debe tener una persona para poder acceder al crédito.
Además, el informe menciona “el descontrol inflacionario y el retraso en los salarios desplegado en 2018 y que no se desacelera encendió la alarma de los deudores que han visto incrementar su deuda de manera exponencial”. Quien tomó un crédito en abril de 2018 su capital se ha incrementado un 48 por ciento, pese a que lleva un año cancelando las cuotas, y su cuota lo hizo un 51 por ciento.
Por último, advierte que el derrotero de los créditos UVA también afecta a la banca pública. El informe asegura que un aumento de la morosidad expondría a problemas de liquidez a los bancos Nación y Provincia de Buenos Aires, que han sido las instituciones que han otorgado mayor cantidad de créditos (aproximadamente 50 y 20 por ciento respectivamente).