{"id":258241,"date":"2022-07-20T05:25:00","date_gmt":"2022-07-20T12:25:00","guid":{"rendered":"https:\/\/calmatters.org\/?p=258241"},"modified":"2023-04-13T06:25:18","modified_gmt":"2023-04-13T13:25:18","slug":"el-estado-desembolsa-capital-inicial-para-un-ambicioso-programa-para-compradores-de-viviendas","status":"publish","type":"post","link":"https:\/\/calmatters.org\/_es\/commentary\/2022\/07\/state-shells-out-seed-money-for-an-ambitious-program-for-homebuyers\/","title":{"rendered":"El Estado desembolsa capital inicial para un ambicioso programa para compradores de vivienda"},"content":{"rendered":"
\"Imagen<\/figure><\/div>

Por Fiona Ma<\/h3>

<\/h5>

Fiona Ma es la tesorera de California, elegida en 2018.<\/em><\/p>

<\/div><\/div><\/div>\n\n\n\n
\"Imagen<\/figure><\/div>

Micah Weinberg, especial para CalMatters<\/h3>

<\/h5>

 Micah Weinberg es el director ejecutivo de<\/em>
California Forward, una organizaci\u00f3n sin fines de lucro que lidera un movimiento a nivel estatal para<\/em>
mejorar el gobierno.<\/em>
<\/p>

<\/div><\/div><\/div>\n\n\n\n

California quiere ayudar a los californianos (especialmente a los de ingresos medios y a los compradores primerizos excluidos del mercado inmobiliario) a comprar una casa, y est\u00e1 dispuesta a aportar dinero para que eso suceda. A\u00fan mejor, un nuevo programa, California Dream for All, no arruinar\u00e1 el mercado inmobiliario y funcionar\u00eda como un fondo autosostenible para las generaciones venideras. <\/p>\n\n\n\n

El programa utilizar\u00eda un modelo de apreciaci\u00f3n compartida para hacer posible la propiedad de vivienda y la creaci\u00f3n de riqueza generacional. Seg\u00fan este modelo, el comprador de la vivienda comparte un porcentaje de la apreciaci\u00f3n del valor de la vivienda con el prestamista. <\/p>\n\n\n\n

No es un programa de subsidio de vivienda, sino una forma para que el estado cree un fondo de inversi\u00f3n rotatorio, idealmente supervisado por una junta y presidido por el tesorero del estado. El fondo rotatorio permitir\u00eda el reciclaje de fondos en beneficio de los futuros compradores de viviendas.<\/p>\n\n\n\n

Este fondo permitir\u00eda al estado invertir junto con los compradores de vivienda por primera vez para que puedan permitirse el lujo de comprar una casa en California. El programa est\u00e1 dise\u00f1ado para ayudar a los compradores de viviendas en todo el estado, tanto en \u00e1reas de alto costo como de bajo costo, haciendo posible este sue\u00f1o en todas las regiones de California.<\/p>\n\n\n\n

A diferencia de las pr\u00e1cticas crediticias que condujeron al estallido de la burbuja inmobiliaria en 2007, este programa reforzar\u00eda pr\u00e1cticas crediticias s\u00f3lidas mediante el uso de prestamistas comerciales aprobados mediante la participaci\u00f3n del capital en la compra de la vivienda del consumidor.<\/p>\n\n\n\n

El valor creado a trav\u00e9s de la apreciaci\u00f3n ayudar\u00eda a los nuevos propietarios de viviendas en California en las pr\u00f3ximas d\u00e9cadas. Con una inversi\u00f3n inicial de $500 millones de fondos generales del presupuesto estatal para establecer el programa California Dream for All, el estado ayudar\u00eda a generar aproximadamente seis veces esa cantidad en riqueza familiar para compradores de viviendas de ingresos bajos y moderados, al mismo tiempo que recibir\u00eda pagos de pr\u00e9stamos hipotecarios. eso se destinar\u00eda a ayudar a los prestatarios posteriores.<\/p>\n\n\n\n

Este programa crear\u00eda una soluci\u00f3n a largo plazo, en la que todos los pagos de la hipoteca se reinvertir\u00edan para futuros compradores de vivienda. Bajo esta estructura, el Estado enfrentar\u00eda un riesgo financiero limitado, porque los fondos se reinvertir\u00edan, eliminando la necesidad de financiamiento adicional.<\/p>\n\n\n\n

Seg\u00fan datos recientes del \u00cdndice de sue\u00f1os de California<\/a>, la tasa de propiedad de vivienda es 35% para familias negras y 44% para familias latinas. Las familias blancas tienen una tasa de propiedad de vivienda de 59%. El \u00edndice, desarrollado por California Forward, rastrea 10 indicadores econ\u00f3micos. Garantizar que las familias de California puedan acceder a viviendas en todas las regiones ha sido una de las \u00e1reas de acci\u00f3n de California Forward. <\/p>\n\n\n\n

Una vez implementado, el programa se convertir\u00eda inmediatamente en el mas grande de la nacion<\/a>, creando un modelo escalable y centrado en la equidad para el resto del pa\u00eds. En los \u00faltimos meses, California Forward, en consulta con la Oficina del Tesorero del Estado, el Presidente Pro-Tempore del Senado estatal Tony Atkins<\/a> y otras partes interesadas clave, encabezaron el dise\u00f1o y desarrollo del marco del programa. Otros legisladores, incluido el senador estatal. Bob Hertzberg<\/a> y asamble\u00edsta Mechas Buffy<\/a>, han ayudado a defender la expansi\u00f3n de la vivienda y la propiedad de vivienda. California Dream for All fue desarrollado en asociaci\u00f3n con Constructores de comunidades de California<\/a>, una organizaci\u00f3n de pol\u00edticas p\u00fablicas.<\/p>\n\n\n\n

El programa ser\u00eda complementario a los sistemas y programas de financiaci\u00f3n de viviendas existentes en el pa\u00eds, y si bien no resuelve el problema de la propiedad de viviendas para todos los californianos necesitados, se prev\u00e9 que el fondo cree alrededor de $48 mil millones en pr\u00e9stamos hipotecarios durante 40 a\u00f1os, lo que ayudar\u00eda a hacer la propiedad de vivienda sea una realidad para m\u00e1s de 150.000 compradores de vivienda.<\/p>\n\n\n\n

Equidad es un t\u00e9rmino que se utiliza con frecuencia, pero rara vez hay una acci\u00f3n real detr\u00e1s de \u00e9l. El Programa California Dream for All demuestra una manera de lograr verdaderamente equidad en todo el estado, al permitir que los prestatarios reciban equidad sobre la ganancia de su vivienda, para que todos puedan lograr el sue\u00f1o de California.<\/p>\n\n\n\n

California Forward y la Oficina del Tesorero del Estado est\u00e1n encantados de que la Legislatura y el gobernador Gavin Newsom hayan incluido el programa California Dream for All en el presupuesto estatal. Esperamos utilizar este programa para avanzar en el marco que desarrollamos. Creemos que proporcionar\u00e1 valor tanto para el estado como para los compradores de vivienda y ayudar\u00e1 a que m\u00e1s californianos puedan ser propietarios de una vivienda.<\/p>\n\n\n\n

_____<\/p>\n\n\n\n

Fiona Ma ha escrito anteriormente sobre <\/em>prepar\u00e1ndose para los terremotos<\/em><\/a>. Micah Weinberg ha escrito anteriormente sobre el <\/em>Tasa de pobreza latina<\/em><\/a>, <\/em>recuperaci\u00f3n econ\u00f3mica<\/em><\/a> y <\/em>reconstrucci\u00f3n <\/em><\/a>California pospandemia<\/em><\/a>.<\/em><\/p>","protected":false},"excerpt":{"rendered":"

El programa California Dream for All permitir\u00eda al estado invertir junto con los compradores de vivienda por primera vez para que pudieran permitirse el lujo de comprar una casa en California. <\/p>","protected":false},"author":69,"featured_media":258252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_stopmodifiedupdate":false,"_modified_date":"","newspack_ads_suppress_ads":false,"newspack_popups_has_disabled_popups":false,"newspack_sponsor_sponsorship_scope":"","newspack_sponsor_native_byline_display":"inherit","newspack_sponsor_native_category_display":"inherit","newspack_sponsor_underwriter_style":"inherit","newspack_sponsor_underwriter_placement":"inherit","apple_news_api_created_at":"2022-07-20T12:25:07Z","apple_news_api_id":"198ff55e-e0ee-42de-b6f0-67261eac0334","apple_news_api_modified_at":"2023-04-13T13:25:25Z","apple_news_api_revision":"AAAAAAAAAAAAAAAAAAAAAQ==","apple_news_api_share_url":"https:\/\/apple.news\/AGY_1XuDuQt628GcmHqwDNA","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"_spanish_translation_id":0,"_is_translation":false,"_newspack_byline_active":false,"_newspack_byline":"","newspack_content_restriction_is_exempt":false,"newspack_featured_image_position":"","newspack_post_subtitle":"","newspack_article_summary_title":"Overview:","newspack_article_summary":"","newspack_hide_updated_date":false,"newspack_show_updated_date":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[58,10],"tags":[183,603,40117,49666,1896],"legislator":[],"bill":[],"newspack_spnsrs_tax":[],"coauthors":[4186],"class_list":["post-258241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-commentary","category-housing","tag-affordable-housing","tag-california-budget","tag-commentary","tag-economic-inequality","tag-housing","entry"],"acf":[],"apple_news_notices":[],"yoast_head":"\nState 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