{"id":7156,"date":"2009-04-28T12:31:00","date_gmt":"2009-04-28T16:31:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/newsroom-statements-transparency-for-homeowners-act-and-promoting-mortgage-responsibility-act\/"},"modified":"2023-09-19T11:10:22","modified_gmt":"2023-09-19T15:10:22","slug":"newsroom-statements-transparency-for-homeowners-act-and-promoting-mortgage-responsibility-act","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/newsroom-statements-transparency-for-homeowners-act-and-promoting-mortgage-responsibility-act\/","title":{"rendered":"Ley de Transparencia para los Propietarios y Ley de Promoci\u00f3n de la Responsabilidad Hipotecaria"},"content":{"rendered":"

Sr. Merkley:<\/strong><\/p>\n

Se\u00f1or Presidente, le presento dos piezas de
\nlegislaci\u00f3n para abordar el coraz\u00f3n mismo de nuestra crisis econ\u00f3mica: la vivienda
\nmercado y las pr\u00e1cticas crediticias enga\u00f1osas que han colocado a millones de hogares
\nen riesgo de ejecuci\u00f3n hipotecaria.<\/p>\n

En los \u00faltimos a\u00f1os, millones de familias fueron conducidas a
\nhipotecas de vivienda insostenibles que empujaron a nuestro pa\u00eds a una crisis econ\u00f3mica
\nsin precedentes en nuestras vidas. En vez de cumplir un sue\u00f1o y aportar
\npara un futuro financiero seguro, las hipotecas de viviendas se han convertido con demasiada frecuencia en un cheque para
\ndespojar de la riqueza a los trabajadores estadounidenses.<\/p>\n

Estos dos proyectos de ley, la Ley de Transparencia para los Propietarios, S.
\n911, y la Ley de Promoci\u00f3n de la Responsabilidad Hipotecaria, S. 912, pondr\u00e1 fin a
\npr\u00e1cticas hipotecarias enga\u00f1osas e injustas que desempe\u00f1aron un papel fundamental en el enga\u00f1o
\nfamilias estadounidenses a aceptar hipotecas riesgosas e insostenibles.<\/p>\n

Dos factores clave atrajeron a las familias a estas hipotecas que
\nallan\u00f3 el camino para esta recesi\u00f3n. Primero, dirigir los pagos.<\/p>\n

Los pagos directos se pagaron a los corredores que atrajeron
\npropietarios desprevenidos en hipotecas enga\u00f1osas y costosas. estos secretos
\nlos pagos de bonificaci\u00f3n, a menudo llamados primas de margen de rendimiento, convirtieron las hipotecas de viviendas en
\nuna estafa. Una familia acudir\u00eda a un corredor de hipotecas para obtener asesoramiento sobre c\u00f3mo obtener el
\nmejor pr\u00e9stamo posible. La familia confiar\u00eda en el corredor para dar consejos porque,
\nfrancamente, le estaban pagando al corredor por ese servicio. Pero lo que el
\nprestatario no se dio cuenta es que el corredor ganar\u00eda miles de bonos
\nd\u00f3lares del prestamista si el corredor pudiera convencer al due\u00f1o de la casa para sacar
\nuna hipoteca de alto precio, como una con una tasa de inter\u00e9s explosiva, en lugar de
\nque una simple hipoteca de tasa fija a 30 a\u00f1os.<\/p>\n

El segundo factor son las multas por pago anticipado. Pago por adelantado
\nLas sanciones a\u00f1adieron sal a la herida. Despu\u00e9s de que los propietarios se dieran cuenta de que hab\u00edan sido
\nconducidos a una hipoteca insostenible, pronto descubrieron que una gran
\nla multa por pago anticipado hizo que les resultara demasiado costoso refinanciar a un
\npr\u00e9stamo asequible. Estaban encerrados en ese primer pr\u00e9stamo destructivo que no
\nentender completamente cuando fue presentado.<\/p>\n

Esta estafa ha tenido un impacto tremendo. Un estudio para el Muro
\nStreet Journal encontr\u00f3 que el 61 por ciento de los pr\u00e9stamos de alto riesgo que se originaron en
\n2006 \u2013es decir, el 61 por ciento que se origin\u00f3 en 2006\u2013 fue para familias que
\ncalificado para pr\u00e9stamos preferenciales. M\u00e1s de la mitad de los prestatarios que calificaron para un
\npr\u00e9stamo preferencial termin\u00f3 con un pr\u00e9stamo de alto riesgo debido a estos pagos de direcci\u00f3n,
\nponiendo en riesgo a millones de familias estadounidenses. Esto es simplemente err\u00f3neo, un hecho p\u00fablico.
\nproceso regulado dise\u00f1ado para crear una relaci\u00f3n de confianza entre las familias
\ny corredores, pero eso deja a los prestatarios inconscientes de los pagos que se realizan,
\nponi\u00e9ndolos en hipotecas costosas y destructivas.<\/p>\n

Llamo su atenci\u00f3n sobre un editorial del New York Times
\npublicado el 9 de abril titulado \u201cPredatory Brokers\u201d. Este editorial destac\u00f3
\nel problema. El Times concluy\u00f3 que:<\/p>\n

\u201cEl primer paso debe ser prohibir los sobornos que los prestamistas
\npagar a los corredores por llevar a los clientes a pr\u00e9stamos m\u00e1s costosos\u201d.<\/p>\n

El editorial continu\u00f3 diciendo que:<\/p>\n

\u201cLa forma de pago m\u00e1s claramente poco \u00e9tica es la llamada
\nprima de margen de rendimiento\u201d.<\/p>\n

Mis amigos, es dif\u00edcil exagerar el da\u00f1o que ha
\nsido hecho por estas pr\u00e1cticas. Se estima que 20,000 familias de Oreg\u00f3n perder\u00e1n
\nsus casas a ejecuci\u00f3n hipotecaria en 2009. A nivel nacional, aproximadamente 2 millones de familias
\nperder\u00e1n sus hogares este a\u00f1o. Y el total de familias embargadas es
\nse prev\u00e9 que alcance los 9 millones en 2012.<\/p>\n

Las soluciones legislativas que propongo son muy sencillas. El
\nproyectos de ley que estoy presentando hoy garantizar\u00e1n que estas pr\u00e1cticas no vuelvan a perseguir a los
\nnegocio hipotecario en Estados Unidos. Primero, termina la Ley de Transparencia para los Propietarios
\nlos pagos de direcci\u00f3n secretos a los prestamistas que llevan a los propietarios a enga\u00f1osas
\nhipotecas que no pueden pagar a largo plazo. En segundo lugar, la Promoci\u00f3n de la Hipoteca
\nLa Ley de Responsabilidad proh\u00edbe a los prestamistas emitir multas financieras costosas
\nque impiden que los propietarios de viviendas refinancien en un pr\u00e9stamo m\u00e1s asequible.<\/p>\n

 Es simple: un final
\npara dirigir los pagos y poner fin a las multas por pago anticipado. debemos reconocer
\nque estas pr\u00e1cticas no s\u00f3lo han da\u00f1ado los cimientos financieros de nuestra
\nfamilias y millones de familias a nivel minorista, convirtiendo al estadounidense
\nsue\u00f1o de propiedad de la vivienda en una pesadilla estadounidense, pero estas pr\u00e1cticas, que
\nresult\u00f3 en un gran aumento en los pr\u00e9stamos de alto riesgo, sent\u00f3 las bases para el desastre
\neso vendr\u00eda y todav\u00eda se est\u00e1 desarrollando en Wall Street y econom\u00edas paralizantes
\nalrededor del mundo.<\/p>\n

Mi legislaci\u00f3n devolver\u00e1 la transparencia a la hipoteca
\nproceso de pr\u00e9stamo y ayudar a que la propiedad de la vivienda sea una inversi\u00f3n estable para las familias
\nuna vez m\u00e1s. Ha llegado el momento de que nos aseguremos de que los pagos secretos de direcci\u00f3n
\ny las multas paralizantes por pago anticipado nunca m\u00e1s atormentan a las familias estadounidenses. Nos deja
\nrestaurar el sue\u00f1o americano de ser propietario de una vivienda.<\/p>\n


<\/p>","protected":false},"excerpt":{"rendered":"

Mr. Merkley: Mr. President, I am introducing two pieces of legislation to address the very heart of our economic crisis–the housing market and the deceptive lending practices that have placed millions of homes at risk of foreclosure. In the last few years, millions of families were led into unsustainable home mortgages that pushed our country […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[32],"tags":[131,129,130],"class_list":["post-7156","post","type-post","status-publish","format-standard","hentry","category-newsroom","tag-economy","tag-protecting-consumers","tag-taxpayers"],"acf":[],"yoast_head":"\nTransparency for Homeowners Act and Promoting Mortgage Responsibility Act - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/newsroom-statements-transparency-for-homeowners-act-and-promoting-mortgage-responsibility-act\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Transparency for Homeowners Act and Promoting Mortgage Responsibility Act - Merkley\" \/>\n<meta property=\"og:description\" content=\"Mr. Merkley: Mr. President, I am introducing two pieces of legislation to address the very heart of our economic crisis–the housing market and the deceptive lending practices that have placed millions of homes at risk of foreclosure. 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