Hola, Silvia
El Estado no exige de las empresas privadas que construyan un percentual mínimo de viviendas para los sectores de bajos ingresos?

Podrías enviarnos noticias, documentos, estudios… algun texto que explique con más detalles la situación?

Ah, también me gustaría saber cómo era la situación antes de los cambios que ocurrieron en 1993… sabés decirnos?

Saludos,
Mariana.

When American planners teach about housing policy, we describe low-interest, long-term loans as a very successful housing policy. The trade-off is that it is only private-side, and it was the only effective U.S. housing policy from 1935 to 2007. That system is now broken, since the conservative push for deregulation enabled investment-bankers to abuse the system.
What I fear is that we may discard the best part of that system because of the massive economic damage from the mortgage foreclosure crisis. Loans in most parts of the world remain short-term and high-interest. However, poorer Americans used to have access to 7% fixed-rate 30-year loans. The predatory lending which unbalanced this system only started after bank-deregulation in 1999.
I still think that inexpesive, government-backed credit would benefit both poorer households and the governments which support those loans. Specific policies can range from the indirect U.S. method to more direct government control of finance as in Scanidnavia and Southeast Asia. When lenders are strongly regulated, they are much more careful about risk and will only enter lower-interest credit markets if they are backed by government assurance. At the same time, if goverments are providing guarantees, they have reasonable leverage over bank behavior. The danger is political leaders who get elected on a “free-market” policy agenda, and seek to cripple the government from governing.
Clearly, Americans have failed by breaking an excellent housing finance system. And even at its best, U.S.-backed creditord discriminated by class and by race. American “deregulation-rhetoric” is a failure in itself.
However, if inexpensive credit is argued as an individual civil right, maybe “the Right to Credit” will nudge political rhetoric in a healthier direction.

Na Argentina, foi lançado ontem (dia 12/06) um programa de crédito habitacional, nos moldes do Minha Casa, Minha vida. A crise financeira é apontada como um dos grandes motivos para esse lançamento: espera-se criar em torno de cem mil postos de trabalho. Notícia completa aqui: ^[1]

En Argentina, en gobierno lanzó un megaplán de créditos para viviendas. El programa es una estrategia para combatir la crisis financiera que afecta el país, y las cuentas públicas. La notícia completa está aquí: ^[2]