{"id":15060,"date":"2025-11-23T18:40:07","date_gmt":"2025-11-23T16:40:07","guid":{"rendered":"https:\/\/www.habitatinsulae.es\/?p=15060"},"modified":"2025-11-27T12:32:53","modified_gmt":"2025-11-27T10:32:53","slug":"de-guindos-la-vivienda-se-resiente-por-la-regulacion","status":"publish","type":"post","link":"https:\/\/www.habitatinsulae.es\/ca\/de-guindos-la-vivienda-se-resiente-por-la-regulacion\/","title":{"rendered":"La vivienda se resiente por la regulaci\u00f3n"},"content":{"rendered":"

El vicepresidente del BCE, Luis de Guindos, asegur\u00f3 en Bilbao que el principal problema de la vivienda<\/strong> en Espa\u00f1a reside en una regulaci\u00f3n que \u201climita\u201d la oferta en alquiler, lo que eleva los precios cuando la demanda crece por el aumento de poblaci\u00f3n y hogares. Destac\u00f3, adem\u00e1s, la solvencia del sistema financiero y la competitividad de la econom\u00eda espa\u00f1ola.<\/p>\n

Vivienda y alquiler: regulaci\u00f3n, oferta y precios<\/h2>\n

De Guindos se\u00f1al\u00f3 que el mercado de alquiler asequible<\/em> deber\u00eda actuar como \u201ccolch\u00f3n\u201d ante el fuerte incremento de la demanda, antes de que la obra nueva reaccione. Sin embargo, a su juicio, la regulaci\u00f3n actual restringe la oferta, lo que impulsa al alza las rentas. En este contexto, plante\u00f3 la necesidad de pol\u00edticas que aumenten parque y agilicen respuestas sin desincentivar la inversi\u00f3n.<\/p>\n

El debate se conecta con iniciativas de inversi\u00f3n social<\/a>, con f\u00f3rmulas de colaboraci\u00f3n p\u00fablico-privada y con programas que ampl\u00edan el parque para j\u00f3venes<\/a>. Modelos como GENIVS INSULAE<\/a> exploran mecanismos de financiaci\u00f3n y gesti\u00f3n para incrementar la oferta estructural de vivienda<\/strong>.<\/p>\n

Competitividad, crecimiento y vivienda<\/h2>\n

El vicepresidente del BCE subray\u00f3 dos fortalezas de Espa\u00f1a: un sistema financiero \u201csaneado\u201d y una econom\u00eda \u201ccompetitiva\u201d, factores que, a su entender, pueden sostener un crecimiento por encima de la media europea. El turismo y los fondos europeos han contribuido, aunque su efecto podr\u00eda moderarse.<\/p>\n

Sobre riesgos, apunt\u00f3 a la inestabilidad pol\u00edtica y a la dificultad de aprobar presupuestos en algunos pa\u00edses europeos. En materia de vivienda<\/strong>, insisti\u00f3 en que el reto no es la financiaci\u00f3n \u2014\u201cdisponible y prudente\u201d\u2014 sino el marco regulatorio del alquiler y la capacidad de aumentar oferta.<\/p>\n

Burbuja, Sareb y funci\u00f3n social de la vivienda<\/h2>\n

De Guindos descart\u00f3 una burbuja de cr\u00e9dito como la de 2008-2011, aunque admiti\u00f3 una subida de precios \u201cimportante\u201d. Sobre Sareb, record\u00f3 que naci\u00f3 para sanear balances y que hoy existe el dilema entre destinar activos a devolver deuda o a vivienda social<\/em>. En todo caso, abog\u00f3 por pol\u00edticas que equilibren estabilidad financiera y acceso a la vivienda<\/strong>, incluida la vivienda protegida<\/strong> y la rehabilitaci\u00f3n apoyable con fondo europeo<\/em> y marcos coordinados con la Comisi\u00f3n Europea<\/a>.<\/p>\n

Enlaces de inter\u00e9s:
\nBanco Central Europeo (BCE)<\/a> |
\nImpacto social<\/a> |
\nGENIVS INSULAE<\/a> |
\nVivienda joven<\/a><\/p>\n

Fuente:<\/strong> Europa Press<\/a><\/p>","protected":false},"excerpt":{"rendered":"

Luis de Guindos afirm\u00f3 en Bilbao que la regulaci\u00f3n est\u00e1 limitando la oferta de alquiler y tensiona la vivienda<\/strong> en Espa\u00f1a. Defendi\u00f3 que la financiaci\u00f3n es \u201cprudente y disponible\u201d y atribuy\u00f3 el reto al marco regulatorio. Recalc\u00f3 competitividad y solvencia financiera, y la necesidad de reforzar alquiler asequible<\/em> e inversi\u00f3n social<\/em> con apoyo de fondo europeo<\/em>.<\/p>","protected":false},"author":1,"featured_media":15062,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[179,182,181,145,178],"class_list":["post-15060","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-alquiler-asequible","tag-innovacion","tag-inversion-social","tag-vivienda","tag-vivienda-protegida"],"aioseo_notices":[],"_wp_attached_file":null,"_wp_attachment_metadata":null,"cmsmasters_profile_title":null,"cmsmasters_profile_details_title":null,"cmsmasters_profile_social":null,"cmsmasters_profile_features":null,"cmsmasters_profile_features_one":null,"cmsmasters_profile_features_two":null,"cmsmasters_profile_features_three":null,"cmsmasters_profile_sharing_box":null,"cmsmasters_profile_read_more":null,"cmsmasters_profile_subtitle":null,"cmsmasters_profile_featured_image":null,"cmsmasters_project_columns":null,"cmsmasters_project_video_type":null,"cmsmasters_project_video_links":null,"cmsmasters_project_title":null,"cmsmasters_project_size":null,"cmsmasters_project_details_title":null,"cmsmasters_project_features":null,"cmsmasters_project_link_text":null,"cmsmasters_project_link_redirect":null,"cmsmasters_project_link_target":null,"cmsmasters_project_features_one":null,"cmsmasters_project_features_two":null,"cmsmasters_project_features_three":null,"cmsmasters_project_sharing_box":null,"cmsmasters_project_author_box":null,"cmsmasters_project_more_posts":null,"cmsmasters_project_project_options":null,"cmsmasters_project_read_more":null,"cmsmasters_project_images":null,"cmsmasters_project_image_show":null,"_oembed_b1ccef4f7d7ec9ee9f363a917754e485":null,"_oembed_time_b1ccef4f7d7ec9ee9f363a917754e485":null,"_oembed_94f7d3c89c139230786a25858f781fe7":null,"_oembed_time_94f7d3c89c139230786a25858f781fe7":null,"_oembed_0902e555d5b62bccd72f45d83d98b16e":null,"_oembed_time_0902e555d5b62bccd72f45d83d98b16e":null,"cmsmasters_project_puzzle_image":null,"_wp_attachment_context":null,"_eael_custom_js":null,"_menu_item_type":null,"_menu_item_menu_item_parent":null,"_menu_item_object_id":null,"_menu_item_object":null,"_menu_item_target":null,"_menu_item_classes":null,"_menu_item_xfn":null,"_menu_item_url":null,"_wp_page_template":null,"_wpb_vc_js_interface_version":null,"vc_teaser":null,"_post_restored_from":null,"pressroom_review_average":null,"before_widget":null,"after_widget":null,"before_title":null,"after_title":null,"hidden":null,"_wp_attachment_image_alt":null,"rank_math_primary_category":null,"rank_math_seo_score":null,"rank_math_contentai_score":null,"rank_math_title":null,"rank_math_schema_article":null,"rank_math_shortcode_schema_s-687fa54b292b3":null,"rank_math_description":null,"rank_math_focus_keyword":null,"om_disable_all_campaigns":null,"original-file":null,"smush-complete":null,"smush-info":null,"smush-stats":null,"_monsterinsights_sitenote_active":null,"_yoast_wpseo_primary_category":null,"_yoast_wpseo_content_score":null,"_yoast_wpseo_estimated-reading-time-minutes":null,"_yoast_wpseo_metadesc":null,"_cmplz_scanned_post":null,"_aioseop_title":null,"_aioseop_description":null,"_aioseop_keywords":null,"_wpb_post_custom_seo_settings":null,"_wpb_post_custom_css":null,"enclosure":null,"_oembed_917c769c7dbf5d57ddaf9c4330ca4b4f":null,"_elementor_edit_mode":null,"_elementor_template_type":null,"cmsmasters_shortcodes_custom_css":null,"cmsmasters_post_image_show":null,"cmsmasters_post_image_link":null,"cmsmasters_post_images":null,"cmsmasters_post_video_type":null,"cmsmasters_post_video_link":null,"cmsmasters_post_video_links":null,"cmsmasters_post_audio_links":null,"cmsmasters_post_title":null,"cmsmasters_post_sharing_box":null,"cmsmasters_post_author_box":null,"cmsmasters_post_more_posts":null,"cmsmasters_post_read_more":null,"cmsmasters_page_scheme":null,"cmsmasters_layout":null,"cmsmasters_sidebar_id":null,"cmsmasters_bottom_sidebar":null,"cmsmasters_bottom_sidebar_id":null,"cmsmasters_bottom_sidebar_layout":null,"cmsmasters_bg_default":null,"cmsmasters_bg_col":null,"cmsmasters_bg_img_enable":null,"cmsmasters_bg_img":null,"cmsmasters_bg_rep":null,"cmsmasters_bg_pos":null,"cmsmasters_bg_att":null,"cmsmasters_bg_size":null,"cmsmasters_heading":null,"cmsmasters_heading_title":null,"cmsmasters_heading_subtitle":null,"cmsmasters_heading_icon":null,"cmsmasters_heading_alignment":null,"cmsmasters_heading_scheme":null,"cmsmasters_heading_bg_img_enable":null,"cmsmasters_heading_bg_img":null,"cmsmasters_heading_bg_rep":null,"cmsmasters_heading_bg_att":null,"cmsmasters_heading_bg_size":null,"cmsmasters_heading_bg_color":null,"cmsmasters_heading_height":null,"cmsmasters_breadcrumbs":null,"cmsmasters_composer_show":null,"cmsmasters_gutenberg_show":null,"cmsmasters_composer_fullscreen":null,"slide_template":null,"_wp_old_slug":"zmienic-4","cmsmasters_likes":null,"_thumbnail_id":"15062","_elementor_version":null,"_elementor_pro_version":null,"_elementor_data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