Interrelationships between credit and salary. A latent conflict in uva mortgage loans
This work addresses tensions and contradictions generatedby UVA mortgage loans, which introduced a turning point within the Argentine Bicentennial Credit Program for Single and Family Housing by introducing installments indexed to inflation. This credit modality has gained relevance in different cit...
| Autores principales: | , |
|---|---|
| Formato: | Artículo revista |
| Lenguaje: | Español |
| Publicado: |
Universidad Nacional del Nordeste. Facultad de Arquitectura y Urbanismo
2024
|
| Materias: | |
| Acceso en línea: | https://revistas.unne.edu.ar/index.php/crn/article/view/7676 |
| Aporte de: |
| id |
I48-R154-article-7676 |
|---|---|
| record_format |
ojs |
| spelling |
I48-R154-article-76762024-08-30T15:27:53Z Interrelationships between credit and salary. A latent conflict in uva mortgage loans Interrelaciones entre crédito y salario. Un conflicto latente en los créditos hipotecarios UVA Interrelações entre crédito e salário. Um conflito latente nos empréstimos hipotecários uva Sar Moreno, Cristian Arrache, Facundo Martín Conflicto Políticas Públicas de Vivienda Créditos Hipotecarios Relación Cuota-Salario Pro.Cre.Ar UVA Conflict Public Housing Policies Mortgage Loans Quota-Salary Pro.Cre.Ar UVA Conflito Políticas Públicas de Habitação Créditos Hipotecários Relação Parcela-Salário Pro.Cre.Ar UVA This work addresses tensions and contradictions generatedby UVA mortgage loans, which introduced a turning point within the Argentine Bicentennial Credit Program for Single and Family Housing by introducing installments indexed to inflation. This credit modality has gained relevance in different cities of the country for several reasons. Firstly, due to its high demand and the volume of amounts granted during 2017 and 2018. Secondly, due to the notoriety that conflicts generated acquired in the media and the emergence of some self-convened groups of debtors who argue the program’s unsustainability. These arguments are subjected to empirical data, and the quota-salary ratio, late payment, and the effect of government palliativemeasures are addressed, among other aspects. Este trabajo aborda tensiones y contradicciones generadas por los créditos hipotecarios UVA que introdujeron un punto de inflexión dentro el Programa de Crédito Argentino del Bicentenario para la Vivienda Única y Familiar con la aparición de cuotas indexadas por inflación. Esta modalidad crediticia ha cobrado relevancia en distintas ciudades del país; en primer lugar, por su alta demanda y el volumen de montos otorgados durante 2017 y 2018. En segundo lugar, por la notoriedad que adquirieron en los medios de comunicación los conflictos generados y la aparición de algunos colectivos de deudores autoconvocados que argumentan la insostenibilidad del programa. Estos argumentos se someten a datos empíricos y se aborda la relación cuota-salario, la morosidad y el efecto de las medidas paliativas gubernamentales, entre otras. Este trabalho aborda tensões e contradições geradaspelos empréstimos hipotecários UVA, que introduziramum ponto de inflexão no Programa de Crédito Argentino do Bicentenário para Habitação Única e Familiar, com a introdução de parcelas indexadas à inflação. Essa modalidade de crédito ganhou relevância em diferentes cidades do país por várias razões. Em primeiro lugar, devido à alta demanda e ao volume de montantes concedidos durante 2017 e 2018. Em segundo lugar, devido à notoriedade que os conflitos geraram na mídia e ao surgimento de alguns coletivos autoconvocados de devedores que argumentam a insustentabilidade do programa. Esses argumentos são submetidos a dados empíricos e abordam a relação entre parcela e salário, inadimplência e o efeito das medidas paliativas do governo, entre outros aspectos. Universidad Nacional del Nordeste. Facultad de Arquitectura y Urbanismo 2024-08-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion application/pdf https://revistas.unne.edu.ar/index.php/crn/article/view/7676 10.30972/crn.38387676 Cuaderno Urbano; Vol. 38 No. 38 (2024); 55-80 Cuaderno Urbano; Vol. 38 Núm. 38 (2024); 55-80 1853-3655 1666-6186 spa https://revistas.unne.edu.ar/index.php/crn/article/view/7676/7243 http://creativecommons.org/licenses/by-nc-sa/4.0 |
| institution |
Universidad Nacional del Nordeste |
| institution_str |
I-48 |
| repository_str |
R-154 |
| container_title_str |
Revistas UNNE - Universidad Nacional del Noroeste (UNNE) |
| language |
Español |
| format |
Artículo revista |
| topic |
Conflicto Políticas Públicas de Vivienda Créditos Hipotecarios Relación Cuota-Salario Pro.Cre.Ar UVA Conflict Public Housing Policies Mortgage Loans Quota-Salary Pro.Cre.Ar UVA Conflito Políticas Públicas de Habitação Créditos Hipotecários Relação Parcela-Salário Pro.Cre.Ar UVA |
| spellingShingle |
Conflicto Políticas Públicas de Vivienda Créditos Hipotecarios Relación Cuota-Salario Pro.Cre.Ar UVA Conflict Public Housing Policies Mortgage Loans Quota-Salary Pro.Cre.Ar UVA Conflito Políticas Públicas de Habitação Créditos Hipotecários Relação Parcela-Salário Pro.Cre.Ar UVA Sar Moreno, Cristian Arrache, Facundo Martín Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| topic_facet |
Conflicto Políticas Públicas de Vivienda Créditos Hipotecarios Relación Cuota-Salario Pro.Cre.Ar UVA Conflict Public Housing Policies Mortgage Loans Quota-Salary Pro.Cre.Ar UVA Conflito Políticas Públicas de Habitação Créditos Hipotecários Relação Parcela-Salário Pro.Cre.Ar UVA |
| author |
Sar Moreno, Cristian Arrache, Facundo Martín |
| author_facet |
Sar Moreno, Cristian Arrache, Facundo Martín |
| author_sort |
Sar Moreno, Cristian |
| title |
Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| title_short |
Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| title_full |
Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| title_fullStr |
Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| title_full_unstemmed |
Interrelationships between credit and salary. A latent conflict in uva mortgage loans |
| title_sort |
interrelationships between credit and salary. a latent conflict in uva mortgage loans |
| description |
This work addresses tensions and contradictions generatedby UVA mortgage loans, which introduced a turning point within the Argentine Bicentennial Credit Program for Single and Family Housing by introducing installments indexed to inflation. This credit modality has gained relevance in different cities of the country for several reasons. Firstly, due to its high demand and the volume of amounts granted during 2017 and 2018. Secondly, due to the notoriety that conflicts generated acquired in the media and the emergence of some self-convened groups of debtors who argue the program’s unsustainability. These arguments are subjected to empirical data, and the quota-salary ratio, late payment, and the effect of government palliativemeasures are addressed, among other aspects. |
| publisher |
Universidad Nacional del Nordeste. Facultad de Arquitectura y Urbanismo |
| publishDate |
2024 |
| url |
https://revistas.unne.edu.ar/index.php/crn/article/view/7676 |
| work_keys_str_mv |
AT sarmorenocristian interrelationshipsbetweencreditandsalaryalatentconflictinuvamortgageloans AT arrachefacundomartin interrelationshipsbetweencreditandsalaryalatentconflictinuvamortgageloans AT sarmorenocristian interrelacionesentrecreditoysalariounconflictolatenteenloscreditoshipotecariosuva AT arrachefacundomartin interrelacionesentrecreditoysalariounconflictolatenteenloscreditoshipotecariosuva AT sarmorenocristian interrelacoesentrecreditoesalarioumconflitolatentenosemprestimoshipotecariosuva AT arrachefacundomartin interrelacoesentrecreditoesalarioumconflitolatentenosemprestimoshipotecariosuva |
| first_indexed |
2025-05-17T05:10:52Z |
| last_indexed |
2025-05-17T05:10:52Z |
| _version_ |
1832343203558195200 |