{"id":30330,"date":"2026-10-13T16:43:00","date_gmt":"2026-10-13T19:43:00","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=30330"},"modified":"2026-10-13T16:43:00","modified_gmt":"2026-10-13T19:43:00","slug":"christian-asinelli-vicepresidente-de-caf-la-primera-vivienda-de-los-jovenes-muchas-veces-es-un-muro","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=30330","title":{"rendered":"Christian Asinelli, vicepresidente de CAF: \u201cLa primera vivienda de los j\u00f3venes muchas veces es un muro\u201d"},"content":{"rendered":"<div class=\"ai-tools\"><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-listen\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M14.99 9.22417C14.89 8.65466 14.5799 8.25501 14.0497 8.0352C14.0096 8.01522 13.9696 7.94528 13.9696 7.90532C13.9196 6.81627 13.6395 5.79716 13.0493 4.86797C12.0589 3.28934 10.6484 2.3102 8.80779 2.06042C6.8771 1.80064 5.1965 2.38014 3.81601 3.76893C2.69561 4.89794 2.10539 6.28673 2.04537 7.89533C2.04537 7.97526 2.01536 8.00523 1.94534 8.0352C1.35513 8.29498 1.03501 8.77456 1.01501 9.42399C0.994998 10.4731 0.994998 11.5222 1.01501 12.5712C1.02501 13.2507 1.53519 13.8701 2.19543 13.96C2.64559 14.02 3.10575 13.97 3.58592 13.97V13.8102C3.58592 11.9818 3.58592 10.1434 3.58592 8.31496C3.58592 7.93529 3.61593 7.54563 3.69596 7.16596C3.88603 6.2068 4.34619 5.38751 5.06645 4.73808C6.21686 3.69899 7.55734 3.34929 9.05788 3.71897C10.2483 4.00872 11.1486 4.7181 11.7889 5.78716C12.259 6.56648 12.4291 7.42573 12.4291 8.32495C12.4291 10.1534 12.4291 11.9918 12.4291 13.8301V14C12.8492 14 13.2494 14 13.6495 14C14.0497 13.99 14.3698 13.8002 14.6299 13.5004C14.8299 13.2706 14.93 12.9909 15 12.6911V9.29411C15 9.29411 14.98 9.26413 14.98 9.24415L14.99 9.22417Z\" fill=\"#e46211\"><\/path><path d=\"M5.08646 8.4948C5.04645 8.18507 4.74634 7.98525 4.45623 8.06518C4.21615 8.13512 4.0761 8.32495 4.0761 8.60471C4.0761 9.40401 4.0761 10.2133 4.0761 11.0126C4.0761 11.8119 4.0761 12.6312 4.0761 13.4505C4.0761 13.8401 4.44623 14.0899 4.78635 13.9401C5.03644 13.8301 5.10647 13.6203 5.10647 13.3606C5.10647 11.8019 5.10647 10.2333 5.10647 8.67464C5.10647 8.6147 5.10647 8.55475 5.09646 8.4948H5.08646Z\" fill=\"#e46211\"><\/path><path d=\"M11.2587 8.08516C11.0386 8.16509 10.9185 8.36492 10.9185 8.66465C10.9185 10.2333 10.9185 11.8119 10.9185 13.3805C10.9185 13.4405 10.9185 13.4904 10.9285 13.5504C10.9586 13.7902 11.1686 13.98 11.4087 13.99C11.7188 14 11.9489 13.7802 11.9489 13.4405C11.9489 12.6412 11.9489 11.8319 11.9489 11.0326V10.1933C11.9489 9.65379 11.9489 9.10427 11.9489 8.56474C11.9489 8.19506 11.5888 7.95527 11.2587 8.08516Z\" fill=\"#e46211\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Escuchar<\/span><\/button><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-keypoints\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5.99679 1H12.4609C13.0887 1 13.6 1.52731 13.6 2.17489V13.8251C13.6 14.4727 13.0887 15 12.4609 15H3.53913C2.91126 15 2.39999 14.4727 2.39999 13.8251V9.19802V4.57092L5.99679 1Z\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M2.39999 5.38502H6.94416V3.94555V1\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M10.491 12.2L5.50657 12.2C5.32834 12.2 5.2037 11.8667 5.20008 11.517C5.19587 11.1484 5.32111 10.8 5.50657 10.8L10.4813 10.8C10.6632 10.8 10.795 11.105 10.7998 11.4804C10.8047 11.8341 10.6842 12.2 10.491 12.2Z\" fill=\"#e46211\"><\/path><path d=\"M10.491 9.4L5.50657 9.4C5.32834 9.4 5.2037 9.0666 5.20008 8.71694C5.19587 8.34831 5.32111 8 5.50657 8L10.4813 8C10.6632 8 10.795 8.30494 10.7998 8.68035C10.8047 9.03408 10.6842 9.4 10.491 9.4Z\" fill=\"#e46211\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Puntos clave<\/span><\/button><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-summary\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M10.1798 2.50989H2.00488C1.45082 2.50989 0.999667 2.97515 0.999667 3.54653V13.8259C0.999667 14.3973 1.45082 14.8626 2.00488 14.8626H9.87772C10.4318 14.8626 10.8829 14.3973 10.8829 13.8259V9.74329V8.13118\" stroke=\"#e46211\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M10.1892 0.937134C10.6648 0.938475 11.1562 1.16366 11.4167 1.62561C11.55 1.86167 11.6275 2.09395 11.6863 2.31506C11.7155 2.42487 11.7409 2.53449 11.7654 2.63831C11.7901 2.74317 11.8143 2.84342 11.8425 2.94202C11.9524 3.32501 12.1244 3.68637 12.6199 4.0387C12.813 4.1759 13.0533 4.26585 13.323 4.34534C13.5791 4.42077 13.8884 4.49238 14.1492 4.58362C14.4177 4.6776 14.6844 4.80688 14.8826 5.02698C15.086 5.25292 15.1994 5.55472 15.2 5.95667C15.2005 6.36975 15.0629 6.67221 14.8289 6.89612C14.6041 7.11103 14.3039 7.24024 14.0056 7.34241C13.8552 7.39392 13.6973 7.44108 13.5447 7.48792C13.3904 7.53527 13.2391 7.5828 13.0935 7.63733C12.801 7.74696 12.5446 7.87952 12.3503 8.07385C12.0286 8.39622 11.9022 8.69439 11.8142 9.0094C11.7284 9.31674 11.669 9.70188 11.4919 10.0973C11.021 11.1507 9.52066 11.2437 8.96753 10.2555L8.91675 10.1569C8.78168 9.86581 8.70167 9.59099 8.63452 9.34045C8.56606 9.08502 8.51334 8.86637 8.43335 8.65979C8.3555 8.45883 8.25391 8.27717 8.09253 8.10901C7.93025 7.94001 7.69993 7.776 7.35522 7.62073H7.35425C7.21051 7.55596 7.0298 7.5073 6.82104 7.45471C6.61857 7.40371 6.39051 7.3487 6.17847 7.27405C5.75409 7.12455 5.32309 6.86818 5.22729 6.30334C5.147 5.82785 5.20205 5.46325 5.37769 5.1842C5.55162 4.90818 5.8236 4.74853 6.1062 4.63733C6.38303 4.52841 6.70997 4.45202 6.99292 4.36975C7.28806 4.28393 7.55375 4.18824 7.76538 4.03772L7.93726 3.90491C8.30541 3.59437 8.45094 3.27848 8.54761 2.94592C8.60838 2.73677 8.64117 2.55614 8.70288 2.32092C8.76088 2.09995 8.83661 1.86635 8.96655 1.62756L9.073 1.4635C9.34447 1.10658 9.7727 0.936014 10.1892 0.937134ZM10.1785 3.151C9.91182 3.94374 9.55711 4.56476 9.04956 5.04163C8.6241 5.44134 8.10162 5.72923 7.45972 5.93909C8.77264 6.36001 9.87121 7.38936 10.2097 8.74377C10.4707 7.9695 10.8197 7.33816 11.3201 6.85217C11.7453 6.43925 12.271 6.142 12.9216 5.94495C11.6239 5.4965 10.5274 4.50683 10.1785 3.151Z\" fill=\"#e46211\" stroke=\"var(--gray-10)\" stroke-width=\"0.4\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Resumen<\/span><\/button><\/div>\n<div class=\"jwplayer-ctn\"><script src=\"https:\/\/census-web.scorecardresearch.com\/plugins\/streaming-jwplayer\/v2\/current.js\"><\/script><\/p>\n<div class=\"\">\n<div id=\"3DLQ6RJ3FBELNDUJE7HCWL6CCY-custom_embed0\"><\/div>\n<\/div><figcaption class=\"jwplayer-figcaption\">Christian Asinelli propone revisar las metodolog\u00edas bancarias para evaluar la solvencia de monotributistas y trabajadores independientes<\/figcaption><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">13 Oct, 2026 03:39 p. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 18.0494C10.0623 18.151 9.92701 18.4484 10.0398 18.7168C10.0999 18.8619 10.2277 18.9779 10.3856 19.0214L14.1068 20.0805L15.4975 24.3312C15.6028 24.6576 15.9636 24.839 16.2944 24.7374C16.3921 24.7084 16.4823 24.6504 16.5575 24.5778L18.482 22.6846L22.2558 25.354C22.6091 25.6006 23.0977 25.5281 23.3533 25.1872C23.421 25.1001 23.4661 24.9986 23.4887 24.897L25.9845 13.3707C26.0672 12.979 25.8116 12.5946 25.4056 12.5148C25.2628 12.4858 25.1124 12.5003 24.9771 12.5511M23.1429 15.1116L16.347 20.9147C16.2793 20.9727 16.2342 21.0525 16.2267 21.1395L15.9636 23.381C15.9636 23.4172 15.926 23.4462 15.8884 23.439C15.8583 23.439 15.8358 23.4172 15.8283 23.3955L14.7533 20.0442C14.7007 19.8919 14.7683 19.7251 14.9111 19.638L22.9399 14.836C23.0226 14.7852 23.1353 14.8142 23.1804 14.894C23.2255 14.9666 23.2105 15.0536 23.1504 15.1116\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Linkedin\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 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11.8465 11.8055 11.0041 12.787 11.0041C12.8426 11.0041 12.8982 11.0041 12.9537 11.0041C13.9445 10.9363 14.7963 11.7206 14.8611 12.7567C14.8611 12.7954 14.8611 12.8438 14.8611 12.8825C14.8426 13.9283 14.0278 14.761 13.0278 14.7416C12.9907 14.7416 12.9537 14.7416 12.9259 14.7416H12.9074C11.9259 14.8191 11.0741 14.0445 11 13.0181C11 12.9697 11 12.931 11 12.8825H11.0093Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Twitter\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M11.0391 11L17.2165 19.8249L11 27H12.399L17.8415 20.7182L22.2389 27H27L20.475 17.6786L26.2613 11H24.8623L19.85 16.7855L15.8001 11H11.0391ZM13.0965 12.101H15.2838L24.9423 25.8987H22.7551L13.0965 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15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">El <b>acceso a la casa propia<\/b> enfrenta dos obst\u00e1culos centrales en la Argentina: la escasez de cr\u00e9dito hipotecario y las dificultades de los hogares para reunir los ahorros necesarios para comprar una propiedad. <b>Christian Asinelli<\/b>, vicepresidente corporativo de Programaci\u00f3n Estrat\u00e9gica de CAF &#8211; Banco de Desarrollo de Am\u00e9rica Latina y el Caribe, plante\u00f3 la necesidad de ampliar el financiamiento a largo plazo y revisar los requisitos bancarios para incluir a trabajadores cuyos ingresos no encajan en los criterios tradicionales.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">En <a href=\"https:\/\/www.infobae.com\/tag\/infobae-a-la-tarde\/\" target=\"_blank\" rel=\"noreferrer\" title=\"https:\/\/www.infobae.com\/tag\/infobae-a-la-tarde\/\"><b>Infobae a la Tarde<\/b><\/a>, el directivo compar\u00f3 el mercado argentino con el de otros pa\u00edses de la regi\u00f3n y advirti\u00f3 que el acceso a una vivienda tambi\u00e9n condiciona las oportunidades laborales, educativas y sociales.<\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">\u201c<b>Cuando habl\u00e1s de vivienda no est\u00e1s hablando solamente de infraestructura, est\u00e1s hablando de h\u00e1bitat, est\u00e1s hablando del espacio que puede generar oportunidades<\/b>\u201d, afirm\u00f3.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"la-brecha-del-credito-hipotecario-en-la-argentina\">La brecha del cr\u00e9dito hipotecario en la Argentina<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"4\">Asinelli explic\u00f3 que una de las dificultades del sistema financiero argentino es la diferencia entre el plazo de los dep\u00f3sitos bancarios y el tiempo que requiere un pr\u00e9stamo hipotecario. Mientras los ahorros suelen colocarse a 30 o 60 d\u00edas, los cr\u00e9ditos para comprar una vivienda pueden extenderse durante d\u00e9cadas.<\/p>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=992&amp;height=560&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=768&amp;height=434&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=577&amp;height=326&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=420&amp;height=237&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=350&amp;height=198&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"(Infobae en Vivo)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"541\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/2K63WGJU6FFJTAEDWGL74Q2DME.png?auth=1b0addce91fb71caa1a2d4e72e8f066e7f77a68e9234cfea1d0e595c94c00e3a&amp;smart=true&amp;width=350&amp;height=198&amp;quality=85\" width=\"958\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"5\">\u201c<b>En Argentina la mayor\u00eda de los dep\u00f3sitos, los ahorros, son a treinta d\u00edas, sesenta d\u00edas, cort\u00edsimo plazo. Encajar eso con sistemas de cr\u00e9dito hipotecario de 15 a\u00f1os, 20 a\u00f1os, 30 a\u00f1os es muy dif\u00edcil<\/b>\u201d, se\u00f1al\u00f3.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"6\">Como referencia, present\u00f3 cifras que muestran la distancia con otros mercados de la regi\u00f3n. Seg\u00fan los datos que mencion\u00f3, el cr\u00e9dito para la compra de viviendas representa casi el 28% del PBI de Chile, entre el 7% y el 11% en Brasil y M\u00e9xico, y entre el 0,2% y el 0,5% en la Argentina.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"7\">La falta de financiamiento se combina con la dificultad de reunir el anticipo. Incluso si una entidad bancaria cubre entre el 70% y el 80% del valor de una propiedad, el comprador debe aportar el porcentaje restante con ahorros propios.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"8\">\u201c\u00bfDe d\u00f3nde sac\u00e1s ese 20 si no ten\u00e9s una familia que te acompa\u00f1a o ahorros?\u201d, plante\u00f3.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"9\">Ante esa barrera, Asinelli sostuvo que la primera vivienda no necesariamente debe ser una propiedad comprada y que el alquiler tambi\u00e9n puede funcionar como una etapa de acceso habitacional.<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"como-facilitar-el-acceso-de-monotributistas-y-trabajadores-independientes\">C\u00f3mo facilitar el acceso de monotributistas y trabajadores independientes<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"10\">Otro de los problemas que identific\u00f3 es la evaluaci\u00f3n de ingresos de quienes trabajan por cuenta propia o mediante plataformas digitales. Aunque tengan capacidad de pago, sus ingresos pueden no ajustarse a los requisitos que utilizan los bancos para aprobar un cr\u00e9dito.<\/p>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=992&amp;height=541&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=768&amp;height=419&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=577&amp;height=315&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=420&amp;height=229&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Mano abierta sujetando una peque\u00f1a casa en miniatura de color blanco y un tejado gris, con una llave antigua dorada apoyada sobre el tejado.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"768\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/TTZGLKAT7VCZFMZX2K43N3BG3E.png?auth=91fd816400df1621eb6e2c7f298ca3c2e105f2ad7c92e25a5e2bbb8c3bb4d580&amp;smart=true&amp;width=350&amp;height=191&amp;quality=85\" width=\"1408\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"11\">\u201c<b>Ten\u00e9s el problema de los j\u00f3venes y de la clase media, que tambi\u00e9n ha ca\u00eddo en cuestiones de monotributismo, freelancer, trabajo en plataformas, donde los ingresos no son medidos por la mayor\u00eda de los sistemas bancarios<\/b>\u201d, explic\u00f3.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"12\">Su propuesta consiste en ampliar los indicadores que se utilizan para evaluar la solvencia de los solicitantes. Adem\u00e1s de los ingresos formalmente declarados, sugiri\u00f3 considerar el cumplimiento de pagos habituales, los gastos y otras fuentes de recursos.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"13\">\u201cAh\u00ed es cambiar la metodolog\u00eda de evaluaci\u00f3n y empezar a ver c\u00f3mo pagan otras cuestiones, c\u00f3mo pagan los celulares, qu\u00e9 otro tipo de ingresos tienen, qu\u00e9 otro tipo de gastos tienen\u201d, detall\u00f3.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"14\">El directivo tambi\u00e9n destac\u00f3 la importancia de desarrollar instrumentos de financiamiento de largo plazo. En ese sentido, se\u00f1al\u00f3 el papel de los bancos de desarrollo, que pueden canalizar recursos hacia proyectos que requieren per\u00edodos extensos de maduraci\u00f3n.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"15\">\u201cNosotros prestamos dinero porque no buscamos el lucro, buscamos el desarrollo a veinte a\u00f1os\u201d, afirm\u00f3.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"vivienda-y-oportunidades:-el-desafio-del-habitat\">Vivienda y oportunidades: el desaf\u00edo del h\u00e1bitat<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"16\">Para Asinelli, el problema no termina con la posibilidad de comprar o alquilar una propiedad. La ubicaci\u00f3n de la vivienda determina los tiempos de traslado, el acceso al empleo y las oportunidades educativas, adem\u00e1s de las condiciones de seguridad y la disponibilidad de servicios.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=992&amp;height=579&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=768&amp;height=448&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=577&amp;height=337&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=420&amp;height=245&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=350&amp;height=204&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"(Infobae en Vivo)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"567\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/I5TDLVDMYNFXZEPL7YR6RO6A4E.png?auth=3469e51fbf41f369010e2e7e94c1cc31aa07d301d6d7f10aa98f87adfb169c5e&amp;smart=true&amp;width=350&amp;height=204&amp;quality=85\" width=\"971\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"17\">\u201cUna vivienda digna depende de d\u00f3nde est\u00e9 localizada, depende del tipo de movilidad que vos tengas, te condiciona la vida\u201d, sostuvo.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"18\">En ese marco, mencion\u00f3 el trabajo que CAF desarrolla desde 2024 junto con el Instituto Lincoln, especializado en pol\u00edticas de suelo, para reunir informaci\u00f3n sobre el d\u00e9ficit habitacional en Am\u00e9rica Latina y el Caribe.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"19\">Tambi\u00e9n destac\u00f3 el caso de Uruguay, donde CAF aprob\u00f3 un financiamiento de USD 300 millones destinado a vivienda con una perspectiva que incorpora el entorno urbano. \u201cNo solamente la mirada de construir, sino de generar el h\u00e1bitat para que los problemas de seguridad, iluminaci\u00f3n, etc\u00e9tera, tambi\u00e9n se puedan solucionar\u201d, explic\u00f3.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"20\">Asinelli advirti\u00f3 que las dificultades para acceder a una vivienda tambi\u00e9n afectan a pa\u00edses desarrollados. Como ejemplo, mencion\u00f3 a Espa\u00f1a, donde los j\u00f3venes enfrentan obst\u00e1culos para comprar una propiedad y algunos optan por compartir alquileres para reducir gastos.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"21\">Para el vicepresidente de CAF, ampliar el cr\u00e9dito hipotecario exige combinar financiamiento de largo plazo, criterios bancarios adaptados a las nuevas modalidades laborales y pol\u00edticas habitacionales que contemplen las condiciones de vida de cada comunidad.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"22\">Al cerrar la entrevista, vincul\u00f3 el problema con las expectativas de progreso de las nuevas generaciones. \u201cAntes hab\u00eda como una sensaci\u00f3n de que nuestros viejos ten\u00edan m\u00e1s posibilidades y que a nosotros se nos acortan. Claramente tenemos que trabajar sobre eso\u201d, concluy\u00f3.<\/p>\n<div class=\"ad_5 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_5\" data-ad-slot=\"infobae\/economia\/nota\/ad_5\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_5\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_5\" class=\"infobae\/economia\/nota\/ad_5 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_5\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"23\">\u2013<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"24\"><b>Infobae <\/b>te acompa\u00f1a cada d\u00eda en YouTube con entrevistas, an\u00e1lisis y la informaci\u00f3n m\u00e1s destacada, en un formato cercano y din\u00e1mico.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"25\">\u2022 De 7 a 9: <b>Infobae al Amanecer<\/b>: Nacho Giron, Luciana Rubinska y Bel\u00e9n Escobar.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"26\">\u2022 De 9 a 12: <b>Infobae a las Nueve<\/b>: Gonzalo S\u00e1nchez, Tatiana Schapiro, Ram\u00f3n Indart y Cecilia Boufflet.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"27\">\u2022 De 12 a 15: <b>Infobae al Mediodia<\/b>: Maru Duffard, Andrei Serbin Pont, Fede Mayol y Facundo Kablan.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"28\">\u2022 De 15 a 18: <b>Infobae a la Tarde<\/b>: Manu Jove, Maia Jastreblansky y Paula Guardia Bourdin; rotan en la semana Marcos Shaw, Lara L\u00f3pez Calvo y Tom\u00e1s Trap\u00e9.<\/p>\n<div class=\"ad_6 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_6\" data-ad-slot=\"infobae\/economia\/nota\/ad_6\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_6\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_6\" class=\"infobae\/economia\/nota\/ad_6 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_6\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"29\">\u2022 De 18 a 21: <b>Infobae al Regreso<\/b>: Gonzalo Aziz, Diego Iglesias, Malena de los R\u00edos y Mat\u00edas Barber\u00eda; rotan en la semana Gustavo Lazzari, Mart\u00edn Tetaz y Mica Mendelevich<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"30\">Seguinos en nuestro canal de<a rel=\"noopener\" href=\"https:\/\/www.youtube.com\/@Infobae\" target=\"_blank\"> <i><b>YouTube <\/b><\/i><i>@infobae<\/i><\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EscucharPuntos claveResumen Christian Asinelli propone revisar las metodolog\u00edas bancarias para evaluar la solvencia de monotributistas y trabajadores independientes 13 Oct, 2026 03:39 p. m. EST Guardar El acceso a la casa propia enfrenta dos obst\u00e1culos centrales en la Argentina: la escasez de cr\u00e9dito hipotecario y las dificultades de los hogares para reunir los ahorros necesarios [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30331,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30330","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/30330","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=30330"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/30330\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/30331"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30330"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30330"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30330"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}