Qué requisitos piden las líneas del relanzado plan Procrear.
Para acceder a los créditos, que dará el Banco Hipotecario, no hay que tener antecedentes financieros desfavorables. Según el caso, hay que acreditar ingresos y antigüedad laboral.
1 El financiamiento y los objetivos. La Nación destinará $ 25.000 millones al otorgamiento de 300.000 créditos para la construcción de 44.000 viviendas, la adjudicación de 10.000 nuevos lotes que cuenten con servicios básicos y la ampliación de construcciones, o su refacción o su remodelación.
En eso consiste, esencialmente, el relanzamiento del programa Procrear que anunció ayer el presidente, Alberto Fernández. El objetivo es que la operatoria reactive la construcción y reduzca el déficit de vivienda, y que “funcione, como funcionaba con Cristina” Kirchner. Habrá nueve líneas de crédito a través del Banco Hipotecario Nacional.
2 Para arreglos hay 120.000 microcréditos.
“Mejoramientos microcréditos” es la linea para “mejoramientos de terminaciones y arreglos menores” se preven 120.000 microcréditos. Los requisitos son tener entre 18 y 68 años y no poseer antecedentes financieros desfavorables. La tasa de interés es fija y del 24%.
3 Tres líneas diferentes para “mejoramientos”• Para “Refacción General de Viviendas con tres opciones de mejoramiento”, la línea “Mejoramientos refacción” dará 70.000 créditos. La tasa fija es del 24%, no se debe contra con antecedentes financieros desfavorables y hay que acreditar 12 meses de antigüedad laboral.
• Idénticos requisitos y la misma tasa se aplican para la línea “Mejoramientos sustentables”, destinados a “Incremento de la eficiencia energética”. Habrá 15.000 créditos disponibles.
• “Mejoramientos gas” es la línea para acceso a la red de gas natural. Hay que acreditar ingresos formales o informales, incluye a beneficiarios del planes Procrear anteriores y la tasa fija es del 16%. Según trascendió, los montos serían de $ 50.000, $ 100.000, $ 250.000 y $ 500.000 según los mejoramientos a encarar.
El Gobierno habilitó en su web (argentina.gob.ar/habitat) la inscripción para: “Microcréditos” y para “Mejoramientos Refacción”.
4 Las líneas restantes son hipotecarias• La línea “Ampliación” es para, justamente, ampliaciones de hasta 20 m². Por ejemplo, baños y/o dormitorios. Habrá 2.000 créditos y hay que tener entre 18 y 65 años para solicitarlos.
• La línea “Construcción” destina 30.000 créditos para viviendas de hasta 60 m² en lotes Procrear o municipales, o en terrenos propios ya escriturados. Si se reúnen las condiciones crediticias, se podrá articular con la línea “Lotes con servicios”.
Sí se puede ser beneficiario de planes Procrear anteriores pero no se debe ser propietario de una casa. Hay que acreditar ingresos formales.
• La línea “Lotes con servicios” busca generar “suelo urbano para familias que no cuentan con terreno” con 10.000 lotes. Si se reúnen las condiciones crediticias, se puede complementar con la línea “Construcción”.
Requisitos: 12 meses de antigüedad laboral, no ser propietario de un inmueble y tener domicilio en la misma localidad donde se encuentra el predio que se adquirirá. • “Desarrollos habitacionales” es la línea para realizar edificios de viviendas multifamiliar en contextos urbanos consolidados. El objetivo es lograr 4.000 viviendas. No hay que ser dueño de una casa ni tener antecedes financieros desfavorables, y se debe tener domicilio en la localidad del predio- Los mismos requisitos pide la línea “Desarrollos urbanísticos”, destinado a desarrollar viviendas en predios Procrear. El objetivo: 10.000 viviendas.
5 En lugar de “uva”, se usa fórmula “Hog.ar”.
Para las últimas cinco líneas de crédito, que son hipotecarias, no se aplicará la Unidad de Valor Adquisitivo (UVA), sino que se utiliará la fórmula “Hog.Ar”. Cada UVA (modalidad dispuesta en abril de 2016 por el BCRA) equivale a la milésima parte del costo promedio de construcción de un metro cuadrado testigo (para inmuebles de las ciudades de Buenos Aires, Córdoba, Rosario, Paraná y Salta). “Hog.Ar”, en cambio, “Hogar” es una fórmula de actualización de capital para créditos hipotecarios otorgados por Procrear, basada en la evolución del Coeficiente de Variación Salarial (CVS) publicado por el Indec. Según el Gobierno, hará que la indexación de los préstamos sea más baja. lo cual los hará sostenibles.
6 Las inscripciones, desde fines de mes
Las inscripciones para estas últimas cinco líneas de créditos, que son hipotecarios, comenzarían a habilitarse a fines de este mes o a principios de septiembre.
LA GACETA
Cómo me inscribo para el procrear
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좋은 정보 항상 감사합니다. 저도 똑같이 보답해주고 싶은데요 혹시 돈 버는 방법 이렇한 가치있는
정보를 제가 드리겠습니다. 저를 따라와주세요!
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Сделайте свою речь ярче и красивее
с помощью игры Эрудит.
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Vavada мобильная или браузерная,
не важно, у компании есть специальная лицензия на осуществление деятельности.
Как и любое другое онлайн заведение,
Vavada имеет определенные преимущества и недостатки.
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