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    ¿Por qué Colombia no es un país de propietarios? : factores que les impiden a las familias con ingresos entre 1 y 4 SMLMV adquirir vivienda de interés social
    (Universidad EAFIT, 2019) Tique Lucena, Jhadier Augusto; Mora Cuartas, Andrés Mauricio
    This research work aims to determine the factors that prevent Colombian families with monthly incomes less than four legal minimum wages (SMMLV) from ceasing to be tenants and become owners. The purpose is to generate information to increase the use of subsidies provided by the Government and therefore to encourage the decision of social interest housing purchase. It begins with a brief history of housing subsidies, first with supply subsidies, then it gets through demand subsidies, and finally, it reaches the current context, in which housing policy is explained, through a mixture between the supply and demand subsidies, looking for in the construction an impulse to the domestic economy. It continues with a description of the evolution of mortgage credit in Colombia. Starting in the twenties, the creation of UPAC (constant purchasing power unit in Spanish) in the seventies, the financial system opening in the nineties, and finally with the Law 546 dated 1999 (Congreso de Colombia, 1999) with the sealing of UPAC and the beginning of the UVR (real values unit in Spanish). It describes the Mortgage Loan Repayment Systems that currently are approved and the current subsidies for housing purchase. This first part ends with the description of the buyers of VIS (social interest housing) in Colombia, to contribute to the research about the factors that can generate barriers in the purchase of a house in the country. This research work presents the results of a bibliographic analysis of the factors that can generate barriers in the housing purchase in Colombia, likewise, the results of the surveys applied to families in “Acqua Gran Parque Residencial” project, located in the municipality of Dosquebradas (Risaralda), to contrast the information regarding the factors identified in the aforementioned bibliographic analysis. Additionally, four financial entities are involved in generating a financial closing exercise both at the time of purchase and monthly, taking into account the credit payment, to determine the viability under the current conditions, and to trigger the purchase of a house for families with incomes between one and four SMMLV. With the development of the present investigation it can be concluded that that families with incomes between one and four SMMLV could buy their own home with the support of the subsidies offered by the government. However, must be done together work among the government, the financial entities and construction industry, that allows to eliminate the knowledge barriers that obstruct the increase of owners in Colombia within this income range.