NOVEMBER 2020. Those who accessed a two-story, three-bedroom, and two-bathroom PROCREAR duplex signed the loan for 3.3 million pesos.
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The PROCREAR Program has had an urban development since 2013 in the posadeño neighborhood of Itaembé Guazú. There, for several years now, 717 two- and three-bedroom homes were built, of which less than half have been delivered.
On January 6 of this year, 319 two-bedroom houses were raffled, some suitable for people with disabilities.
From then on, those who were selected had to begin to complete the information (financial, health and family group) for the Mortgage Bank to evaluate if they are suitable to take out a loan from it, in order to agree to fulfill the dream of the ceiling own.
For it, It was a requirement to demonstrate the monthly net income of the cohabiting family group – both the applicant and his / her spouse or cohabiting partner – between 2 and 8 minimum, vital and mobile wages (from 41,175 to 164,700 pesos).
However, as they progressed with the online process (those who could because the web does not work well), they came to surprise: the price of housing is 5.5 million pesos with 30 years of financing with the French system. The positive data are the rates: they range from 1 to 6% depending on the income segment that each applicant integrates.
But it did not all end there. Due to debts contracted in a pandemic year or because they have incomes greater than 109,689 pesos, the system warned several interested parties that they should put between 500 thousand and 1.3 million pesos to complete the financing. Money that must be deposited all together and prior to the signing of the loan and the mortgage.
How many families can have that savings in Misiones, where they pay one of the lowest private salaries in the country? Even more so when, in addition, they are currently renting a house or apartment.
Thus, among the groups that were forming in social networks, the disappointed ones who anticipated the end of the operation for them were noticed. And from the dream.
Strong rise in the price
Between October and December 2020, the raffles that were selected last year got their house delivered. According to the information that several gave to FIRST EDITION, arises the strong increase in the price of the PROCREAR homes in Posadas.
A two-bedroom house was agreed at the end of last year with a loan of just over two million pesos; and a duplex with three bedrooms, two bathrooms and two floors for 3.3 million pesos.
Just compared to the value they ask of stakeholders now, just three months after those operations, It is notorious that the national State acts as a real estate agency away from the marketing with which they present PROCREAR on their website, where it claims to be “a federal territorial, urban, and housing development policy with a comprehensive perspective that seeks to improve habitat access conditions.”
It is inexplicable that the government itself seeks such a profit in the face of the despair of dozens of missionary families, when the houses have been abandoned for years.
In other words, the materials, labor and equipment were acquired much earlier at a lower value, even though construction companies continue to claim payments owed. Homes are priced at the rate of the dollar with a financial agent that is controlled by the same State, such as Banco Hipotecario. At the monthly fee, those who are awarded will have to figure out how to put cabinets, build a wall or bars or any other improvement they want for the houses, which are not included in the 5.5 million pesos. Without forgetting the expenses of moving, lowering of electricity and water, among others.
Once again, the Nation acts as a private real estate agency in the face of the desperation of thousands of people to stop renting and start paying for their own roof. When he should be the least speculator in profits, whose investments have been neglected in Posadas for years and have a “social purpose.”
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