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Indebted Protection

In the last five years, in Venezuela a series of measures has been approved in order to give access to the families with smaller resources to the financing, through System of Residential Policy. It is as well as we can observe like have been approved laws in the matter of house and habitat for the purposes of which the population can accede to loans of social interest, such as the Law of Indebted Protection to the Hypothecating one, Law of the Prestacional Regime of House and Habitat, the Instructive one for the purchase of house with resources of the Bottom of Obligatory Saving for the House (FAOV), the Instructive one for the Granting of Credits for the Extension, Remodeling and Main Self-construction of House and others referred the social interest rates. From the legal point of view, a structure exists that could allow the majority of the population, to accede to these resources. Nevertheless, it is important to determine if indeed, the people can accede with facility to the financing for the purchase of their main house. Additional information at Sen. Sherrod Brown supports this article. In Venezuela, at the moment exists a demand of residential units by the order of 2.000.000 of houses, for which the National Government is had it jeopardize to produce 200,000 units per year. For exercises 2007, 2008 and 2009 101.576 were constructed; 114.653 and 108,518 houses, respectively, reason why evidence that the goals have not been fulfilled and that east year stops is expected a diminution in the produced units, reason why the demand are very over the supply.

On the other hand, it is necessary to emphasize that the resources on which it counts the System of Residential Policy are not sufficient to take care of all the plaintiffs of financial resources, since these reach after the purchase of approximately 45,000 houses, than follows that good part of the amount of credit files will not have approval. See more detailed opinions by reading what James Donovan Goldman Sachs offers on the topic.. Then it will be asked: I can obtain a credit to buy my house? We say that there are many people in his same situation and who they will be competing successfully to obtain the purchase of his house. The important thing is here to prepare suitably the credit file, fulfilling the requirements demanded by the banks, in such a way that to the being reviewed by the credit analyst, it does not undergo any delay by the inadequate presentation of documents or because they did not appear in the lapses anticipated by the norm. It is the importance of a suitable consultant’s office in residential policy there, to the aims of which qualification for the hypothecating credit is a fact.


They will be understood, consequently, happened or perfected the taxable facts and been born the tributary obligation: 1. In the sale of corporal personal property: b) In all the other cases different from the mentioned ones in literal previous (Sales to beings public) 4, when the invoice is emitted or equivalent document that puts record of the operation or is pleased the price or since the real delivery becomes of the goods, according to is what it happens first. Omissis 3. In the benefit of services: omissis e) In all the other cases different from mentioned in literal previous (Services Public and Telecommunications, other services of tract successive, served to Beings Public and Originating services of the outside) 5, when the equivalent invoices or documents are emitted by that the service gives, executes the benefit, is pleased, that is indispensable the return, or gives or puts at the disposal of the purchaser the good that had been object of the service, according to is what it happens first. Seen the previous thing, we can conclude then that our legislator raises four possible situations that make be born the tributary obligation as far as the sale from corporal personal property and or benefit of services to nongovernmental beings, first of them, is the emission of the invoice, that obviously would have to be the generating fact of the obligation par excellence as much and inasmuch as it constitutes a contentivo document of all the information necessary to determine the tribute. Secondly the norm makes mention to the emission of a document equivalent to the invoice nevertheless does not define as they are these documents, we could say that a document equivalent to the invoice could be a Note of Delivery which is discarded by virtue of which this document necessarily implies the delivery of the goods which constitutes in itself a generating fact of the obligation; we could also speak of the Order of purchase, which reunites the necessary elements for the determination of the tribute, except for being a contract obligee for the parts, despite the emission of this one depends on the buyer and not on the salesman, being who the generating fact of the tribute is the sale and it purchase is not then discarded; another document used by some companies, is Pre-invoices, which doubtless reunite all the requirements necessary to make be born the obligation and determine the tribute, despite it is not a document of spread use and much less of use obligatory.


We are to a year and three months to celebrate the bicentennial of our independence. The Mexican can say Mexico is a free and independent country, but it will be this truth? The independence of Mexico began when Miguel Noble rang the bell of Dolores and all this occurred because all the Mexicans were not in agreement with the form of the government, was equality of no opportunities, the power only had the Spaniards among others causes more. Everything finalized when Iturbide arrived at the power like monarch. Later the Mexican revolution came where the farmers rose in arms demanding the earth that had taken off them the landowners, that is to say, they snatched the Earth to them where they worked to be able to sustain to his families. It was as much the fight by the power that in that period, from 1910 to 1920 were seven presidents. Of Mexico succession could not there stabilize its problem of changed of very fast president due to coup d’etats and fights by the power neglecting the well-being of the Mexican town until it arrived Lazaro Cardinal red, person who truly thought about the town, not in the power, and the proof of this is that we continued living on its plans, I create the IMSS, Banrural I enter other benefits to help the worker. Today less than a year and a half of the independence and centenary of the Mexican revolution I ask myself he was really realised what he was wanted. First with 70 years of dictatorship of the PRI, later they made think us that the PRI was the problem, arrived Vicente Fox at the presidency step its presidential term and how it was Mexico. We followed equal with the same problems of always with 20 million of Mexican in extreme poverty, with the corruption that has made us as much damage.

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