LEGAL Y PUNTO

Informe: ¿Qué es el Programa Renta Joven?

Foto: Gestión

Recientemente el ministro de vivienda, construcción y saneamiento, Carlos Bruce, dio a conocer que para el mes de junio de 2018 estaría listo un nuevo programa denominado Programa Renta Joven, que subsidiará parte del alquiler de un inmueble.

El propósito de este programa es brindar una solución habitacional a personas que no se encuentran preparadas o no puedan comprar una vivienda.

Pero ¿en qué consiste este programa? Según indicó el Ministro, estará dirigido a parejas jóvenes (parejas heterosexuales, homosexuales, amigos, familiares, etc.) que accederían a un bono de 30% del valor mensual de los alquileres de vivienda que no superen los S/1.200 por un período de cinco años.

Asimismo, precisó que al cabo de los cinco años el subsidio se suspende con la finalidad que las parejas puedan comprar una vivienda bajo cualquier de los programas Techo Propio o Mi Vivienda.

El plazo de cinco años del subsidio permite que las parejas puedan ahorrar para poder pagar la cuota inicial de una vivienda en los programas antes indicados.

En cuanto a las restricciones, precisó que para acceder al programa no se tendrá en cuenta el nivel de ingresos de las personas, pero sí se tendrán en cuenta restricciones similares a las del Programa Mi Vivienda, tales como por ejemplo no haber sido beneficiario del citado programa o ser propietario de una vivienda o terreno.

Según el Instituto Nacional de Estadística e Informática (INEI), en el Perú al 30 de junio de 2017 tenemos una población total de jóvenes entre los 20 y 34 años de más de seis millones, lo que significa que este gran sector de la población que recién ingresa en el mercado laboral se beneficiará con este programa.

Un programa del tipo de Renta Joven tiene muchos beneficios entre lo que destaca alentar el ahorro entre los jóvenes, la posibilidad de que las empresas del sistema financiero puedan diseñar productos adecuados a las necesidades de este segmento de la población y además, impulsa el sector de la construcción.

En este sentido es responsabilidad de las parejas jóvenes darle un adecuado uso al subsidio otorgado por el Estado, en tanto es una muy buena oportunidad para adquirir una vivienda propia.

Las constructoras y las empresas del sistema financiero tienen la responsabilidad de garantizar en el ámbito de sus competencias a las parejas jóvenes (Consumidores) productos y servicios idóneos, con la finalidad de que se vea beneficiado el mayor número de actores económicos en el mercado.

Jhordan Pinillos
Abogado especialista en Derecho del Consumidor y estudiante de la Maestría en Derecho de la Empresa de la Pontificia Universidad Católica del Perú (PUCP).
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