The group of awardees and awardees of housing for the Urban Development of the Procrear plan through the UVA mechanism assured that they were not only in a situation of inequality with the 499 neighbors who received their awards before them, but also with two other awardees who received their apartment in the same neighborhood but with the original credit mechanism.
The difference is that while the 28 neighbors who are adjusted by UVA pay 20 thousand pesos per month – their quotas were frozen until now due to a political decision of the national government -, the rest pay 11,600. “Months after our apartments were handed over to us (in August 2018), Banco Hipotecario itself delivered other identical departments with the original credit mechanism in the same place,” they explained in a letter sent to this daily.
As this newspaper was able to find out, the departments that were delivered after the 28 adjusted by UVA were three: two of them in November 2018, which are not adjusted by UVA and one more later, but which is under the system that updates quotas according to inflation.
Without certainties.
«Those of us who make up this group of injured parties have our quotas frozen for 10 months at almost $ 20 thousand. If the installments are unfrozen, we will pay between $ 30,000 and $ 35,000 from next month, a figure that will increase without certainty of how or how much, and with a 30-year credit. To this must be added that to sustain the payment of the loan it is mandatory for us to face expenses, property tax and municipal fees, “they explained.
The calculation they make is terrifying, because in less than two and a half years, the value of the quota tripled, so they fear what may happen from now on. «The rest of those who were awarded with identical homes (the same conditions, in the same place and with the same value but for a 20-year loan), know that they will pay installments of $ 11,654 during this year; which will increase the following year to $ 12,367.83; the following year to $ 13,110 and thus, with similar increases each year, will eventually reach a maximum of $ 21,198.49 “, they explained.
Same conditions.
The group demands that the UVA system be put aside and that the quotas of its properties be adjusted under the same conditions as the rest of the residents of the Procrear neighborhood of Santa Rosa. “Equal homes cannot have a different value, much less such a dissimilar value. It is a scandalous inequality “, they described.
They ask that their case not be considered as that of those who took UVA mortgage loans, since they signed up for Procrear in 2015, when the adjustment for UVA did not exist. They explain that the delivery of their housing units was delayed until 2018 and that when they signed the contracts in the Mortgage Bank they had not been informed that this system of adjusting the house fees would be applied.
They maintain that they were taken as “guinea pigs” of the UVA operation during the government of Mauricio Macri and that they are now desperately assisting in the thawing of the quotas, which in certain cases will make the credit unpayable and will force the abandonment of those homes. “If so far there is a null or low percentage of default in the payment of credits, it is simply due to the fact that the installments were frozen or deferred, because otherwise there would be cases of unavoidable non-compliance,” they assured.
A “twisted” program.
The group recalled that in 2015 what are now their homes were already finished, but that the delivery was delayed without logical explanations. El Procrear was a program devised and launched during the second government of Cristina Fernández (2011-2015). With Cambiemos at the forefront of the country’s destinations, the group was summoned to the raffle for those housing units.
“They never made it clear to us that they were planning to modify the rules of the game for the benefit of the banks and that the popular housing program would be distorted in such a way.
That draw was held in September 2017, “they recalled.
Already in the second half of 2018 the Mortgage Bank called them to sign papers and documentation. “The day the documentation was signed, in response to a request to better explain the credit mechanism, which had never been detailed, Banco Hipotecario authorities tried to reassure us, they told us that the installments would be absolutely accessible (around $ 11,000) and calculated that they would have increases of “150 or 200 pesos per month.”
Obviously none of that happened, “they maintained.
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