El mercado hipotecario y el financiamiento de la vivienda

Funding for housing in Colombia has made in recent years a significant development. It has been instrumental in fashioning three complementary elements: 1) elimination of the effect of inflation on the value of the debts of long-term, the first by way of developing a unit of account indexed to infla...

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Autores:
Salas-Rada, Gustavo Alberto
Tipo de recurso:
Article of journal
Fecha de publicación:
2010
Institución:
Universidad Católica de Colombia
Repositorio:
RIUCaC - Repositorio U. Católica
Idioma:
spa
OAI Identifier:
oai:repository.ucatolica.edu.co:10983/628
Acceso en línea:
http://hdl.handle.net/10983/628
Palabra clave:
FINANCIAMIENTO
VIVIENDA
MERCADO HIPOTECARIO
POLÍTICAS
FUNDING
HOUSING
MORTGAGE MARKET
POLICY
PRESTAMOS HIPOTECARIOS-COLOMBIA
VIVIENDA-ASPECTOS SOCIOECONOMICOS-COLOMBIA
VIVIENDA-FINANCIACION-COLOMBIA
Rights
openAccess
License
Derechos Reservados - Universidad Católica de Colombia, 2010
Description
Summary:Funding for housing in Colombia has made in recent years a significant development. It has been instrumental in fashioning three complementary elements: 1) elimination of the effect of inflation on the value of the debts of long-term, the first by way of developing a unit of account indexed to inflation, which is credible and transparent (the UVR), and subsequently with the abatement of inflation as a macroeconomic phenomenon, 2) reform the system of financing involving the issuance of the Law 546/99, which was key to the birth and achievement of a market mortgage securities, and 3) the social housing policy, under which the State has been moving gradually, though perhaps slowly, toward the allowance of demand for housing groups with more difficult access to private markets funding. The changes in the macroeconomic environment, the legislation of the construction and categorical definition of a right to decent housing to undertake Colombian state to devise strategies to respond to the constitutional mandate because the efforts have not been of significant impacts and policy Funding has presented fluctuations which have affected its effectiveness