In Tierra del Fuego, as in the rest of the country, the appearance of UVA mortgage loans in 2016 generated hope for thousands of people, in search of achieving the dream of owning their own home. However, shortly after, what was presented as a real and tangible possibility ended up becoming a reality. true nightmare.
In most situations, the debtors began to pay an increasingly higher installment that, over the years and due to the rise in inflation, became unpayable. This situation reached such a point that the total debt skyrocketed to unthinkable values and today they owe the bank much more money than they originally requested.
In this sense, a resident of Ushuaia who obtained a UVA loan in 2018 through Banco Tierra del Fuego stated that at that time the loan “It was for 3 million and I currently owe 22 million pesos”although according to the bank’s summary “I have paid $4.5 million”.
“I started paying it in September 2019. When we signed the “mutual”, the contract that you make with the bank where they designate a certain amount of UVA, that was not updated because we were already starting the inflationary process. It went up but the money they gave you was not in accordance with the amount of UVA and we found out later. It was a covert deception, because they told you that we were going to have inflation of no more than two digits and today it exceeds 154%,” explained in dialogue with FM Master’s.
Also, and as happens with hundreds of people in the same situation, Vargas explained that the UVA “have a permanent evolution day by day and month by month” because “costs rise, you pay a fee that grows with inflation” .
“The same credit is from 8,000 to 10,000 pesos that normally go up every month, imagine the evolution that the credit has had and the expense that it generates. And we are all in the same situation, which is why we filed a collective lawsuit in Río Grande, It’s a snowball that never endsthe man lamented.
“We are around 56 families and we all took the credit with the BTF that the portfolio offered, one of the measures that the bank is now asking for is the appraisal of the properties. Most of all of us who were affected, over time we tried to improve the housing and now they do an evaluation of the properties. To have the house I had to sell two vehicles, a property in the north, put more money in savings, and it is unfinished”, Vargas maintained.
“But they tell you that you have a house of 160 thousand dollars, as if the credit does not deduct more than what you are going to pay for rent. But I never took out the credit with the option to rent it, nor to do a real estate business, because it is to live. The only thing we see as productive is that Justice has already taken measures to reduce the amount of the fee for people who were consuming all their assets. The credit escalated significantly, I started paying 26,000 pesos and the last installment was 280,000 pesos,” concluded the capital resident.
2023-07-14 14:03:37
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