Uno de los anhelos más grandes de muchos colombianos es el de tener vivienda propia. Lastimosamente las condiciones económicas y las garantías que ofrece el actual gobierno nacional a las constructoras, así como las entidades bancarias y el elevado aumento de las tazas de interés, acaban con la esperanza de un hogar y el sueño de adquirir casa propia es cada vez más lejano e inalcanzable para muchas personas del país.
Cuando indagamos sobre este tema, tenemos que tener en cuenta que uno de los factores más importantes al optar por adquirir vivienda propia, es contar con los recursos económicos para la cuota inicial y lograr completar el proceso de financiación. Para este fin existen diversos subsidios de vivienda que pueden aportar tanto a la cuota inicial como al pago de créditos hipotecarios.
Cada gobierno es libre de escoger según su visión, la aplicación de subsidios de vivienda y cuales serán las políticas públicas que renovará, así como cuántos cupos otorgará por año y por cuatrienio, a su vez también podrá definir los requisitos de dicha aplicación. Uno de los que más variación tendrá en este año es el subsidio “MI CASA YA”.
En nuestro país para este año 2023 se mantienen los programas de vivienda vigentes (MI CASA YA, subsidios por caja de compensación, subsidio concurrente, FRECH VIS, subsidio de arrendamiento, subsidio vivienda rural, Generación FNA, Cambia Mi Casa), pero con ciertas modificaciones en su aplicación y requisitos, que han puesto en alerta a las constructoras, inmobiliarias etc. y sobre todo, a los colombianos que desean adquirir vivienda propia.
Cuando hablamos de subsidios de vivienda el más popular sin duda alguna es “MI CASA YA” un programa lanzado en 2015 en la presidencia de Juan Manuel Santos, uno de los programas más conocidos y que ha entregado más de 256 mil subsidios de vivienda tanto para vivienda VIS (vivienda de interés social) como VIP (vivienda de interés prioritaria).
El gobierno de Gustavo Petro ha definido nuevas metodologías y a ajustado el presupuesto de destinación para este apoyo económico, lo que reducirá el acceso a familias de menos recursos a este programa. Debido a esta situación, la Asociación financiera al igual que CAMACOL consideran que la asignación para este año se queda corto para lo pronosticado. La inversión en el 2022 en subsidios de Mi Casa Ya, rondó los $2,5 billones para alrededor de 60 mil subsidios (más de 44 mil entregados en 2022) el presupuesto del ministerio de vivienda para el programa ‘Mi Casa Ya’ en 2023 es de 560.000 millones de pesos y se requieren 2,8 billones de pesos, para garantizar 82 mil subsidios. Lo cual dejará insustentable el presupuesto para subsidiar viviendas, lo que generará que muchos colombianos queden en lista de espera para obtener dicho beneficio.
Solo podrán aplicar quienes deseen adquirir vivienda nueva, que no hayan recibido otro subsidio de vivienda y que no sean propietarios de otro inmueble. El hogar interesado debe haber realizado la encuesta Sisbén IV y contar una clasificación igual o inferior a D11 para hogares urbanos y D20 para hogares rurales. El año anterior, el programa otorgaba montos de subsidio dependiendo de los ingresos de quien aplicaba. Si se ganaba entre 1 y 2 salarios mínimos recibía un monto, y si ganaba entre 3 y 4 salarios mínimos recibía otro.
Desde este año los subsidios se otorgan dependiendo el grupo de Sisbén. Para Áreas Urbanas, los hogares en Sisbén clasificados entre los grupos A1 y C7 reciben un subsidio de 30 salarios mínimos para el pago de su cuota inicial. Y los hogares con una clasificación de Sisbén entre C8 y D11 tendrán un subsidio correspondiente a 20 Salarios mínimos. Para las Áreas Rurales: Los que cuentan con clasificación en Sisbén entre A1 y C14 reciben un subsidio de 30 salarios mínimos, y los que tienen una clasificación de Sisbén entre C15 y D20, se les otorgará un subsidio de 20 salarios mínimos.
En conclusión, el programa MI CASA YA este año será el “patito feo” del ministerio y de la presidencia de Gustavo Petro, ya que dejará a muchos colombianos sin la posibilidad de adquirir vivienda con el beneficio del subsidio. El ministerio debe considerar que el presupuesto asignado es escaso para lo que se requiere y que muchos colombianos no pueden solventar por mucho tiempo los pagos a las constructoras que están optando por devolverles a las personas lo ahorrado por estos años, debido a que no tienen la seguridad de entrega de los subsidios a los posibles propietarios. Se deben dejar claridad en los procesos de selección de los subsidios, si se harán por sorteo, por un estudio socioeconómico o por ingresos netos, si los que llevan tiempo esperando obtendrán el beneficio o no, si complementaran la asignación con otros requisito, para porder darle tranquilidad a las constructoras y entidades financieras para seguir apostándole a edificar y construir los sueños de una gran parte de colombianos.
34 comentarios en “¿QUE PASÓ CON EL SUBSIDIO DE “MI CASA YA”?”
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Customers can place orders using several payment methods, including PayPal, Wise, Bank Transfer, USDT, and more. Orders can be submitted through WhatsApp or email, while the service team assists with product information, order inquiries, and delivery updates.
The website provides fast and discreet tobacco delivery throughout Australia. The company emphasizes quick processing, with an emphasis on dependable shipping and customer convenience.
The store stocks a broad selection of well-known cigarette brands, including Bossku, Marlboro, Manchester, Double Happiness, Zhongnanhai, Dunhill, and Benson & Hedges. The selection includes both premium and budget-friendly options for a variety of smoking preferences.
Some of the top-selling products are Manchester Sapphire Blue Dubai Edition, Double Happiness Nanyang Soft Pack, Dunhill Red UK Version, Dunhill Blue UK Version, Benson & Hedges Gold, Zhongnanhai, Manchester Blue Crush Dubai Version, and Manchester Special Edition Flow Red Dubai Version. Most cigarette products are offered in cartons of 10 packs with 20 cigarettes each.
The store focuses on competitive pricing together with reliable customer service. Smokers searching for affordable tobacco products can choose from numerous international brands in one place.
The store also includes content related to smoking awareness. It explains that stopping smoking can improve health over time, recognizing the long-term benefits associated with smoking cessation.