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<style scoped>.tdi_17,.tdi_17 .tdc-columns{min-height:0}.tdi_17,.tdi_17 .tdc-columns{display:block}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:table}@media (max-width:767px){.tdi_17,.tdi_17 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_17 .tdc-columns{width:100%}.tdi_17:before,.tdi_17:after{display:none}@media (min-width:768px){.tdi_17{margin-left:-0px;margin-right:-0px}.tdi_17 .tdc-row-video-background-error,.tdi_17>.vc_column,.tdi_17>.tdc-columns>.vc_column{padding-left:0px;padding-right:0px}}}@media (max-width:767px){.tdi_17{padding-top:5px!important;padding-bottom:5px!important;position:relative}}</style>
<div class="tdi_16_rand_style td-element-style" ><style>@media (max-width:767px){.tdi_16_rand_style{background-color:#00456e!important}}</style></div><div class="vc_column tdi_19  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_19{vertical-align:baseline}.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:block}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_19>.wpb_wrapper,.tdi_19>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_19>.wpb_wrapper>.tdc-elements{width:100%}.tdi_19>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_19>.wpb_wrapper{width:100%;height:100%}}@media (max-width:767px){.tdi_19{width:10%!important;text-align:left!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_menu tdi_20 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_20" >
<style>@media (max-width:767px){.tdi_20{margin-left:-20px!important}}</style>
<style>.tdi_20{display:inline-block}.tdi_20 .tdb-mobile-menu-button i{font-size:27px;width:54px;height:54px;line-height:54px}.tdi_20 .tdb-mobile-menu-button svg{width:27px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:54px;height:54px}.tdi_20 .tdb-mobile-menu-button{color:#ffffff}.tdi_20 .tdb-mobile-menu-button svg,.tdi_20 .tdb-mobile-menu-button svg *{fill:#ffffff}.tdi_20 .tdb-mobile-menu-button:hover{color:#ededed}.tdi_20 .tdb-mobile-menu-button:hover svg,.tdi_20 .tdb-mobile-menu-button:hover svg *{fill:#ededed}@media (max-width:767px){.tdi_20 .tdb-mobile-menu-button i{font-size:25px;width:50px;height:50px;line-height:50px}.tdi_20 .tdb-mobile-menu-button svg{width:25px}.tdi_20 .tdb-mobile-menu-button .tdb-mobile-menu-icon-svg{width:50px;height:50px}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-mobile-menu-button"><i class="tdb-mobile-menu-icon td-icon-mobile"></i></span></div></div> <!-- ./block --></div></div><div class="vc_column tdi_22  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_22{vertical-align:baseline}.tdi_22>.wpb_wrapper,.tdi_22>.wpb_wrapper>.tdc-elements{display:block}.tdi_22>.wpb_wrapper>.tdc-elements{width:100%}.tdi_22>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_22>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_22{width:80%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_23 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_23" >
<style>.tdi_23 .tdb-logo-a,.tdi_23 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_23 .tdb-logo-svg-wrap{display:block}.tdi_23 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_23 .tdb-logo-img-wrap{display:block}.tdi_23 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_23 .tdb-logo-text-title{display:block;color:#ffffff;font-size:40px!important;letter-spacing:-2px!important;}.tdi_23 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_23 .tdb-logo-icon{top:0px;display:block}.tdi_23 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:1019px) and (max-width:1140px){.tdi_23 .tdb-logo-text-title{font-size:33px!important;}}@media (min-width:768px) and (max-width:1018px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;letter-spacing:-3px!important;}}@media (max-width:767px){.tdi_23 .tdb-logo-text-title{font-size:28px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_25  wpb_column vc_column_container tdc-column td-pb-span3">
<style scoped>.tdi_25{vertical-align:baseline}.tdi_25>.wpb_wrapper,.tdi_25>.wpb_wrapper>.tdc-elements{display:block}.tdi_25>.wpb_wrapper>.tdc-elements{width:100%}.tdi_25>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_25>.wpb_wrapper{width:auto;height:auto}@media (max-width:767px){.tdi_25{width:10%!important}}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_mobile_search tdi_26 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_26" >
<style>.tdi_26{display:inline-block}.tdi_26 .tdb-header-search-button-mob i{font-size:22px;width:55px;height:55px;line-height:55px}.tdi_26 .tdb-header-search-button-mob svg{width:22px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:55px;height:55px;display:flex;justify-content:center}.tdi_26 .tdb-header-search-button-mob{color:#ffffff}.tdi_26 .tdb-header-search-button-mob svg,.tdi_26 .tdb-header-search-button-mob svg *{fill:#ffffff}.tdi_26 .tdb-header-search-button-mob:hover{color:#f2f2f2}@media (max-width:767px){.tdi_26 .tdb-header-search-button-mob i{font-size:20px;width:50px;height:50px;line-height:50px}.tdi_26 .tdb-header-search-button-mob svg{width:20px}.tdi_26 .tdb-header-search-button-mob .tdb-mobile-search-icon-svg{width:50px;height:50px;display:flex;justify-content:center}}</style><div class="tdb-block-inner td-fix-index"><span class="tdb-header-search-button-mob dropdown-toggle" data-toggle="dropdown"><i class="tdb-mobile-search-icon td-icon-search"></i></span></div></div> <!-- ./block --></div></div></div></div></div></div>                    </div>

                
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<style scoped>.tdi_28{min-height:0}.td-header-desktop-wrap{position:relative}</style><div id="tdi_29" class="tdc-row stretch_row_1200 td-stretch-content"><div class="vc_row tdi_30  wpb_row td-pb-row tdc-element-style" >
<style scoped>.tdi_30,.tdi_30 .tdc-columns{min-height:0}.tdi_30,.tdi_30 .tdc-columns{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_30 .tdc-columns{width:100%}.tdi_30:before,.tdi_30:after{display:none}.tdi_30{padding-top:5px!important;padding-bottom:5px!important;position:relative}.tdi_30 .td_block_wrap{text-align:left}</style>
<div class="tdi_29_rand_style td-element-style" ><style>.tdi_29_rand_style{background-color:#005689!important}</style></div><div class="vc_column tdi_32  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_32{vertical-align:baseline}.tdi_32>.wpb_wrapper,.tdi_32>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_32>.wpb_wrapper>.tdc-elements{width:100%}.tdi_32>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_32>.wpb_wrapper{width:100%;height:100%}.tdi_32{width:30%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_date tdi_33 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_33" >
<style>.tdb_header_date{margin-bottom:0;clear:none}.tdb_header_date .tdb-block-inner{display:flex;align-items:baseline}.tdb_header_date .tdb-head-date-txt{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;line-height:1;color:#000}.tdi_33{display:inline-block}.tdi_33 .tdb-head-date-txt{color:#ffffff;font-size:15px!important;font-weight:600!important}@media (min-width:1019px) and (max-width:1140px){.tdi_33 .tdb-head-date-txt{font-size:14px!important}}@media (min-width:768px) and (max-width:1018px){.tdi_33 .tdb-head-date-txt{font-size:11px!important}}</style><div class="tdb-block-inner td-fix-index"><div class="tdb-head-date-txt">Thursday, September 24, 2026</div></div></div> <!-- ./block --></div></div><div class="vc_column tdi_35  wpb_column vc_column_container tdc-column tdc-restr-display-none td-pb-span3">
<style scoped>.tdi_35{vertical-align:baseline}.tdi_35>.wpb_wrapper,.tdi_35>.wpb_wrapper>.tdc-elements{display:block}.tdi_35>.wpb_wrapper>.tdc-elements{width:100%}.tdi_35>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_35>.wpb_wrapper{width:auto;height:auto}.tdi_35{width:40%!important}</style><div class="wpb_wrapper" ><div class="td_block_wrap tdb_header_logo tdi_36 td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_36" >
<style>.tdi_36 .tdb-logo-a,.tdi_36 h1{flex-direction:row;align-items:center;justify-content:center}.tdi_36 .tdb-logo-svg-wrap{display:block}.tdi_36 .tdb-logo-svg-wrap+.tdb-logo-img-wrap{display:none}.tdi_36 .tdb-logo-img-wrap{display:block}.tdi_36 .tdb-logo-text-tagline{margin-top:2px;margin-left:0;display:block}.tdi_36 .tdb-logo-text-title{display:block;color:#ffffff;font-size:43px!important;letter-spacing:-2px!important;}.tdi_36 .tdb-logo-text-wrap{flex-direction:column;align-items:flex-start}.tdi_36 .tdb-logo-icon{top:0px;display:block}.tdi_36 .tdb-logo-a:hover .tdb-logo-text-title{color:#eaeaea;background:none;-webkit-text-fill-color:initial;background-position:center center}@media (min-width:768px) and (max-width:1018px){.tdi_36 .tdb-logo-text-title{font-size:30px!important;}}</style><div class="tdb-block-inner td-fix-index"><a class="tdb-logo-a" href="https://financesnewsonline.com/"><span class="tdb-logo-text-wrap"><span class="tdb-logo-text-title">𝐅𝐢𝐧𝐚𝐧𝐜𝐞𝐬 𝐍𝐞𝐰𝐬 𝐎𝐧𝐥𝐢𝐧𝐞</span></span></a></div></div> <!-- ./block --></div></div><div class="vc_column tdi_38  wpb_column vc_column_container tdc-column td-pb-span6">
<style scoped>.tdi_38{vertical-align:baseline}.tdi_38>.wpb_wrapper,.tdi_38>.wpb_wrapper>.tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-end;align-items:flex-end}.tdi_38>.wpb_wrapper>.tdc-elements{width:100%}.tdi_38>.wpb_wrapper>.vc_row_inner{width:auto}.tdi_38>.wpb_wrapper{width:100%;height:100%}.tdi_38{width:30%!important}@media(min-width:1141px){.tdi_38{display:inline-block!important}}</style><div class="wpb_wrapper" ><div class="tdm_block td_block_wrap tdm_block_socials tdi_39 tdm-content-horiz-left td-pb-border-top td_block_template_1"  data-td-block-uid="tdi_39" >
<style>.tdi_39{margin-right:10px!important;margin-bottom:10px!important;padding-top:-!important}</style>
<style>.tdm_block.tdm_block_socials{margin-bottom:0}.tdm-social-wrapper{*zoom:1}.tdm-social-wrapper:before,.tdm-social-wrapper:after{display:table;content:'';line-height:0}.tdm-social-wrapper:after{clear:both}.tdm-social-item-wrap{display:inline-block}.tdm-social-item{position:relative;display:inline-block;vertical-align:middle;-webkit-transition:all 0.2s;transition:all 0.2s;text-align:center;-webkit-transform:translateZ(0);transform:translateZ(0)}.tdm-social-item i{font-size:14px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-text{display:none;margin-top:-1px;vertical-align:middle;font-size:13px;color:var(--td_theme_color,#4db2ec);-webkit-transition:all 0.2s;transition:all 0.2s}.tdm-social-item-wrap:hover i,.tdm-social-item-wrap:hover .tdm-social-text{color:#000}.tdm-social-item-wrap:last-child .tdm-social-text{margin-right:0!important}</style>
<style>.tdi_40 .tdm-social-item i{font-size:13px;vertical-align:middle;line-height:19.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:10.4px}.tdi_40 .tdm-social-item{width:19.5px;height:19.5px;margin:5px 10px 5px 0}.tdi_40 .tdm-social-item-wrap:last-child .tdm-social-item{margin-right:0!important}.tdi_40 .tdm-social-item i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item i{color:#ffffff}.tdi_40 .tdm-social-item-wrap:hover i,.tds-team-member2 .tdi_40.tds-social1 .tdm-social-item:hover i{color:#4db2ec}.tdi_40 .tdm-social-text{display:none;margin-left:2px;margin-right:18px;color:#ffffff;font-family:Merriweather Sans!important;font-size:12px!important}.tdi_40 .tdm-social-item-wrap:hover .tdm-social-text{color:#4db2ec}@media (min-width:768px) and (max-width:1018px){.tdi_40 .tdm-social-item i{font-size:11px;vertical-align:middle;line-height:16.5px}.tdi_40 .tdm-social-item i.td-icon-linkedin,.tdi_40 .tdm-social-item i.td-icon-pinterest,.tdi_40 .tdm-social-item i.td-icon-blogger,.tdi_40 .tdm-social-item i.td-icon-vimeo{font-size:8.8px}.tdi_40 .tdm-social-item{width:16.5px;height:16.5px}.tdi_40 .tdm-social-text{font-size:11px!important}}</style><div class="tdm-social-wrapper tds-social1 tdi_40"><div class="tdm-social-item-wrap"><a href="#"  title="Facebook" class="tdm-social-item"><i class="td-icon-font td-icon-facebook"></i><span style="display: none">Facebook</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Instagram" class="tdm-social-item"><i class="td-icon-font td-icon-instagram"></i><span style="display: none">Instagram</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Linkedin" class="tdm-social-item"><i class="td-icon-font td-icon-linkedin"></i><span style="display: none">Linkedin</span></a></div><div class="tdm-social-item-wrap"><a href="#"  title="Twitter" class="tdm-social-item"><i class="td-icon-font td-icon-twitter"></i><span style="display: none">Twitter</span></a></div></div></div><div class="td_block_wrap tdb_header_search tdi_41 tdb-header-search-trigger-enabled td-pb-border-top td_block_template_1 tdb-header-align"  data-td-block-uid="tdi_41" >
<style>.tdi_41{justify-content:flex-end!important;text-align:right!important}</style>
<style>.tdb_module_header{width:100%;padding-bottom:0}.tdb_module_header .td-module-container{display:flex;flex-direction:column;position:relative}.tdb_module_header .td-module-container:before{content:'';position:absolute;bottom:0;left:0;width:100%;height:1px}.tdb_module_header .td-image-wrap{display:block;position:relative;padding-bottom:70%}.tdb_module_header .td-image-container{position:relative;width:100%;flex:0 0 auto}.tdb_module_header .td-module-thumb{margin-bottom:0}.tdb_module_header .td-module-meta-info{width:100%;margin-bottom:0;padding:7px 0 0 0;z-index:1;border:0 solid #eaeaea;min-height:0}.tdb_module_header .entry-title{margin:0;font-size:13px;font-weight:500;line-height:18px}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date,.tdb_module_header .td-module-comments{vertical-align:text-top}.tdb_module_header .td-post-author-name,.tdb_module_header .td-post-date{top:3px}.tdb_module_header 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aria-label="Buscar"><span>Buscar</span></button></div></form><div class="tdb-aj-search"></div></div></div><a href="#" role="button" aria-label="Buscar" class="tdb-head-search-btn dropdown-toggle" data-toggle="dropdown"><i class="tdb-search-icon td-icon-search"></i></a></div></div> <!-- ./block --></div></div></div></div><div id="tdi_42" class="tdc-row stretch_row_1400 td-stretch-content"><div class="vc_row tdi_43  wpb_row td-pb-row tdc-element-style" >
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	                                    <div style='position:absolute;left:-11843px;width:1108px;'>Quer um cassino que tenha de tudo? A diversão começa na <a href="https://fcamazonia.com/">Funbet casino</a>.</div><div id="tdi_61" class="tdc-zone"><div class="tdc_zone tdi_62  wpb_row td-pb-row"  >
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<p>Ayer de conseguir un estudio asequible en Burlingame, un suburbio de San Francisco, Lorena González se alojaba en la casa de un ordinario, donde compartía dormitorio con su hijo de 18 primaveras. Y antiguamente de eso, González alquiló un área tan allí de su trabajo que el delirio podía tomar tres horas.</p>
<p>“Trabajo en la ciudad y el delirio positivamente me estaba matando”, dice González, quien trabaja en un hospital de San Francisco como asistente técnico de radiología.</p>
<p>Todo eso cambió este año cuando González consiguió una pelotón de dos dormitorios en un nuevo plan de viviendas para trabajadores. Paga $2,049 por su motivo y estima que pagaría más del doble por residir en un estudio a precio de mercado en una ubicación similar.</p>
<p>González vive en Eucalyptus Grove, un nuevo plan de viviendas para trabajadores construido por CRP Affordable Housing &#038; Community Development. Las unidades del plan se reparten por rifa a los solicitantes que ganan menos del 70% del ingreso medio del Campo de acción de la Bahía. El gran número de solicitantes ilustra la escasez de viviendas en la zona. </p>
<p>“Para 69 apartamentos, tendremos fácilmente 3.000 solicitudes”, dice Paul Salib, director ejecutor de CRP Affordable Housing.</p>
<p>El plan Burlingame es parte del impulso de California para aumentar las viviendas permitiendo una maduro densidad cerca de las paradas de transporte divulgado. Es sólo una iniciativa que refleja una tendencia a nivel franquista de repensar la zonificación o los códigos de construcción para aumentar la proposición de vivienda. En Massachusetts, los defensores de la asequibilidad de la vivienda esperan estimular la construcción de viviendas reduciendo el tamaño imperceptible de los lotes. En Florida, una ley estatal que anuló las objeciones municipales ha provocado una avalancha de expansión de unidades de arrendamiento asequibles.</p>
<p>Las medidas adoptadas estado por estado para hacer retroceder las regulaciones sobre nuevos desarrollos reflejan una cruda sinceridad: los precios de las viviendas en Estados Unidos están estableciendo un récord tras otro, y la asequibilidad de la vivienda se ha convertido en un tema político candente. Los economistas y los defensores de la vivienda coinciden en que la respuesta es más viviendas, más proposición de viviendas. Pero construir viviendas no es obediente: los mercados inmobiliarios más caros del país se están quedando sin contorno, y los miles de municipios que pueden opinar sí o no a un nuevo expansión tienden a no dar la bienvenida a las nuevas construcciones.</p>
<p>&#8220;No existe una política mágica que resuelva la asequibilidad&#8221;, dice Brad Hunter de Hunter Housing Economics. &#8220;Pero hay cosas que los gobiernos locales podrían hacer para allanar que los constructores entreguen más viviendas&#8221;.</p>
<p>En muchos casos, los constructores de viviendas deben acaecer por procesos de aprobación que son “excesivos”, dice Amy Tomasso, vicepresidenta de Ivory Innovations, una estructura sin fines de interés de asequibilidad de vivienda de la Universidad de Utah. &#8220;Hay demasiadas regulaciones. Hay demasiada burocracia&#8221;.</p>
<p>Sin requisa, varios estados y ciudades están probando diversas formas de fomentar la construcción. Cuando se tráfico de estimular la proposición de vivienda, Tomasso dice: &#8220;Es un buen momento&#8221;.</p>
<h2 id="roots" data-position="1" data-beam-element-viewed="" data-id="br-h2-1-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="Roots of the housing shortage" data-outcome="">Raíces de la escasez de vivienda</h2>
<p>En las últimas décadas, el NIMBYismo, siglas de “no en mi patio trasero”, ha definido patrones de expansión. Los estadounidenses aman sus hogares y no siempre están interesados ​​en nuevos desarrollos cercanos. (La respuesta a confianza del expansión se conoce como YIMBYismo, o “sí, en mi patio trasero”).</p>
<p>La inclinación a opinar no a los nuevos desarrollos se ha manifestado a medida que la construcción de nuevas viviendas ha caído por un precipicio en los últimos 15 primaveras.</p>
<p>&#8220;¿Adónde fueron a detener todas las casas? La respuesta es que nunca se construyeron&#8221;, escribieron Ezra Klein y Derek Thompson el año pasado en Abundance, un ejemplar que atrajo nueva atención a la escasez de viviendas.</p>
<p>¿El resultado? Según el Centro Conjunto de Estudios de Vivienda de Harvard, el 50% de los inquilinos estadounidenses y el 24% de los propietarios dedican el 30% o más de sus ingresos a la vivienda, un nivel que la estructura define como &#8220;cargado de costos&#8221;. La restricción es especialmente dramática en mercados de precios altos como el ideal de California. En Silicon Valley, una casa típica costaba 1,9 millones de dólares en el tercer trimestre de 2025, según la Asociación Doméstico de Agentes Inmobiliarios. En el mercado de San Francisco-Oakland, fue de 1,3 millones de dólares.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/las-tasas-hipotecarias-aumentan-a-medida-que-se-prolonga-el-conflicto-con-iran" target="_self" rel="dofollow" class="ue6093f734492d429d13e9871ff1120c3"><!-- INLINE RELATED POSTS 1/3 //--><style> .ue6093f734492d429d13e9871ff1120c3 { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .ue6093f734492d429d13e9871ff1120c3:active, .ue6093f734492d429d13e9871ff1120c3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .ue6093f734492d429d13e9871ff1120c3 { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .ue6093f734492d429d13e9871ff1120c3 .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .ue6093f734492d429d13e9871ff1120c3 .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .ue6093f734492d429d13e9871ff1120c3:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Las tasas hipotecarias aumentan a medida que se prolonga el conflicto con Irán</span></div></a></div><p>Parte de la razón por la que los precios de las viviendas se acercan a los $2 millones en el ideal de California es que es casi impracticable construir casas nuevas en la región por una variedad de razones, incluida la escasez de contorno edificable.</p>
<p>Pero Klein y Thompson culpan principalmente a las políticas de zonificación restrictivas de obstaculizar el suministro. Ellos rastrean la reducción de la asequibilidad de California hasta 1971, cuando los funcionarios de la ciudad en el suburbio de Petaluma en San Francisco actuaron para oponerse al crecimiento limitando los permisos de construcción. El Plan Petaluma resistió impugnaciones judiciales y fue adoptivo por otros municipios. Como resultado, el ritmo de construcción de viviendas en California se ha desacelerado. Tan recientemente como 1988, los promotores inmobiliarios de California obtuvieron permisos para construir casi 250.000 unidades de vivienda privadas, según datos de la Oficina del Censo de Estados Unidos. Sin requisa, esa emblema anual es un punto mayor. Hoy en día, los municipios de California expiden cerca de de 100.000 permisos de construcción al año.</p>
<p>¿El resultado? La vivienda sigue encareciendo y algunas personas han quedado excluidas. En 2020, la población de California alcanzó un mayor de 39,6 millones de personas, según datos del censo de EE. UU. En 2022, esa emblema cayó a 39,1 millones, aunque la población volvió a subir a 39,4 millones en 2025.</p>
<p>Para revertir los género actuales del Plan Petaluma, los funcionarios de California han intentado aumentar la proposición de viviendas. Una de esas medidas fue una ley que fomenta el expansión de unidades de vivienda accesorias, apartamentos en el patio trasero que pueden abrigar a miembros de la comunidad o alquilarse a inquilinos. Luego, en octubre de 2025, el representante Gavin Newsom firmó una ley que permitía una maduro densidad y límites de categoría menos restrictivos cerca de las paradas de transporte divulgado.</p>
<p>Salib califica el nuevo impulso como “un buen ejemplo de asociación público-privada”. Los incentivos para desarrollos cerca del transporte divulgado permitieron a CRP Affordable Housing construir más densamente en Burlingame de lo que podría haberlo hecho de otra modo. &#8220;Podemos construir más parada&#8221;, dice. &#8220;Si no se nos permitiera construir ocho pisos, este plan no habría sido factible&#8221;.</p>
<p>González, por su parte, se considera afortunada de sobrevenir opuesto un motivo que se ajusta a su presupuesto y a sus desplazamientos. “Me siento muy bendecida porque he luchado durante mucho tiempo tratando de encontrar un motivo”, dice.</p>
<p>Por supuesto, las leyes de zonificación restrictivas no se limitan a California. En Nueva York, el condado de Westchester sólo permite el expansión reunión. En Greenwich, Connecticut, el tamaño imperceptible de partición permitido es tan holgado que, como era de esperar, sólo los compradores de viviendas adinerados pueden permitirse una propiedad. Esas políticas reflejan que los propietarios de viviendas existentes protegen sus intereses: si la proposición de viviendas se mantiene escasa mediante una zonificación restrictiva, aquellos que ya poseen casas tienen prácticamente protegido un aumento en el valencia de sus intereses raíces.</p>
<h2 id="Massachusetts" data-position="2" data-beam-element-viewed="" data-id="br-h2-2-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="The Massachusetts approach: ‘Legalize starter homes’" data-outcome="">El enfoque de Massachusetts: &#8216;Documentar las viviendas iniciales&#8217;</h2>
<p>En la costa este todavía se están realizando esfuerzos para eliminar los obstáculos a la construcción de viviendas. En Massachusetts, un corro de defensores de la vivienda pretende aumentar la asequibilidad permitiendo construir en lotes tan pequeños como 5.000 pies cuadrados, o cerca de de una novena parte de acre. El comité Legalize Starter Homes está reuniendo firmas con la esperanza de presentar la iniciativa a los votantes a finales de este año.</p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/pros-y-contras-de-hipoteca-inversa" target="_self" rel="dofollow" class="u362f88b997a3f0d9350670981ff5d10c"><!-- INLINE RELATED POSTS 2/3 //--><style> .u362f88b997a3f0d9350670981ff5d10c { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u362f88b997a3f0d9350670981ff5d10c:active, .u362f88b997a3f0d9350670981ff5d10c:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u362f88b997a3f0d9350670981ff5d10c { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u362f88b997a3f0d9350670981ff5d10c .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u362f88b997a3f0d9350670981ff5d10c .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u362f88b997a3f0d9350670981ff5d10c:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">Pros y contras de hipoteca inversa</span></div></a></div><p>&#8220;Las investigaciones han demostrado que los requisitos de lotes mínimos de gran tamaño en Massachusetts aumentan los precios de las viviendas y reducen la nueva producción&#8221;, escribió Andrew Mikula, presidente del comité, en un artículo flamante del Boston Globe.</p>
<p>El precio medio de las viviendas vendidas en el radio de Boston durante el tercer trimestre de 2025 fue de más de 800.000 dólares, según la Asociación Doméstico de Agentes Inmobiliarios. Eso es casi el doble de la media franquista.</p>
<p>Los altos precios de las viviendas en Boston son en parte resultado de una proposición limitada de viviendas: como la mayoría de las ciudades costeras, la región de Boston tiene pocos terrenos disponibles para nuevos desarrollos. Del costado de la demanda de la ecuación, el radio metropolitana tiene muchos trabajadores con salarios altos que compiten por las viviendas. El radio de Boston alberga universidades prestigiosas como la Universidad de Harvard y el Instituto de Tecnología de Massachusetts, así como importantes actores de las industrias biotecnológica, farmacéutica y de productos de consumo. </p>
<p>Mientras tanto, muchos municipios imponen requisitos mínimos sobre el tamaño de los lotes que pueden abrigar viviendas unifamiliares. La propuesta de Mikula y otros defensores de la vivienda obligaría a las ciudades de Massachusetts a permitir la construcción de viviendas unifamiliares en lotes tan pequeños como 5,000 pies cuadrados, una huella pequeña que Mikula compara con la superficie de una cancha de baloncesto.</p>
<p>Las reglas se aplicarían sólo a propiedades atendidas por líneas públicas de agua y alcantarillado.</p>
<p>&#8220;Solo quiero compensar el campo de deporte entre generaciones&#8221;, dice Mikula a Bankrate. &#8220;Las personas que ganan 200.000 dólares al año no tendrán que mudarse a Rhode Island para retribuir una casa&#8221;.</p>
<p>Mikula señala una medida similar que entró en vigor el año pasado en Maine, que todavía impuso tamaños mínimos de lotes de 5.000 pies cuadrados. Si la medida llega a votación en todo el estado, Mikula predice que se aprobará: la investigación del comité Legalize Starter Homes muestra que el 78% de los votantes de Massachusetts apoyan tal medida.</p>
<p>“Conseguimos un tamaño de partición imperceptible en parte porque tiene muy buenas encuestas”, dice Mikula.</p>
<h2 id="Florida" data-position="3" data-beam-element-viewed="" data-id="br-h2-3-onpage-placement" data-type="h2" data-location="Editorial" data-name="h2_all" data-text="In Florida, Live Local spurs development" data-outcome="">En Florida, Live Regional impulsa el expansión</h2>
<p>Durante la pandemia, Florida experimentó un auge demográfico y un aumento en los alquileres que dificultó que los residentes de clase trabajadora encontraran viviendas asequibles. El estado respondió con la Ley Live Regional, una ley de 2023 que tenía como objetivo aumentar la proposición de viviendas flexibilizando las regulaciones sobre nuevos desarrollos.</p>
<p>Siempre que los desarrolladores incluyan unidades dedicadas a residentes que ganan menos del 120% del ingreso medio de un radio, los proyectos pueden aprobarse a la categoría y densidad máxima permitidas en un radio determinada. En muchas partes del país, los trabajadores con salarios moderados caen en el radio del “medio faltante”, donde las opciones de vivienda pueden ser escasas.</p>
<p>Los niveles de ingresos y los límites de arrendamiento son complicados y la Florida Housing Finance Corp los restablece una vez al año. Para dar un ejemplo, un inquilino que apetito un poco menos del 120% del ingreso medio de Miami obtendría cerca de de un 20% de descuento en el arrendamiento. En un plan Live Regional planeado para el distrito Omni de Miami, el arrendamiento de mercado para una pelotón de un dormitorio está previsto en $3,426 por mes, dice el desarrollador Liam Krahe del SF QOZ Fund. Pero un solo inquilino que gane $100,000 al año (poco menos del 120% del ingreso medio del condado de Miami-Dade) pagaría $2,788 al mes.</p>
<p>Krahe aplazamiento construir 576 unidades en un edificio cerca de la Bahía de Biscayne. Sin las mejoras de densidad de Live Regional, el plan probablemente sería consentido para 425 unidades. </p>
<div style="clear:both; margin-top:0em; margin-bottom:1em;"><a href="https://financesnewsonline.com/que-es-una-hipoteca-de-40-anos-una-guia-completa" target="_self" rel="dofollow" class="u507ffb66ea5b2c445817989167c8462a"><!-- INLINE RELATED POSTS 3/3 //--><style> .u507ffb66ea5b2c445817989167c8462a { padding:0px; margin: 0; padding-top:1em!important; padding-bottom:1em!important; width:100%; display: block; font-weight:bold; background-color:#eaeaea; border:0!important; border-left:4px solid #34495E!important; text-decoration:none; } .u507ffb66ea5b2c445817989167c8462a:active, .u507ffb66ea5b2c445817989167c8462a:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; text-decoration:none; } .u507ffb66ea5b2c445817989167c8462a { transition: background-color 250ms; webkit-transition: background-color 250ms; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; } .u507ffb66ea5b2c445817989167c8462a .ctaText { font-weight:bold; color:#464646; text-decoration:none; font-size: 16px; } .u507ffb66ea5b2c445817989167c8462a .postTitle { color:#000000; text-decoration: underline!important; font-size: 16px; } .u507ffb66ea5b2c445817989167c8462a:hover .postTitle { text-decoration: underline!important; } </style><div style="padding-left:1em; padding-right:1em;"><span class="ctaText">See also</span>&nbsp; <span class="postTitle">¿Qué es una hipoteca de 40 años? Una guía completa</span></div></a></div><p>&#8220;Live Regional ha incentivado a muchos desarrolladores que de otra modo no harían proyectos multifamiliares&#8221;, dice Krahe.</p>
<p>Una preeminencia para los desarrolladores: Live Regional les permite obtener la aprobación sin una audiencia pública. Eso significa que ningún vecino de NIMBY agitará carteles, lucirá camisetas personalizadas o amenazará con tomar un debido suscripción a los funcionarios municipales en las próximas elecciones locales. Atravesar el desafío de los detractores del vecindario ha hecho que los desarrolladores y funcionarios se muestren reacios a proponer o apoyar nuevos desarrollos a lo dilatado de los primaveras, lo que ha contribuido significativamente a la escasez de viviendas coetáneo. Pero estas nuevas regulaciones ofrecen una opción. </p>
<p>“No hay reacción negativa de la comunidad”, dice Michael Wohl, director de Coral Rock Development Group, que ha completado dos proyectos bajo Live Regional y está desarrollando otro.</p>
<p>Adicionalmente de allanar el proceso de aprobación, Live Regional todavía exige subsidios fiscales que hagan financieramente viable para los desarrolladores ofrecer alquileres por debajo del mercado.</p>
<p>Coral Rock Development Group se aprovechó: la compañía ha construido desarrollos Live Regional en las ciudades de Hialeah y Coral Springs en el sur de Florida, y está trabajando en otro en Miami. El plan Coral Springs, que incluye 153 unidades de arrendamiento controlado, está ocupado en un 99%, dice el desarrollador.</p>
<p>Si adecuadamente los proyectos de Coral Rock Development Group se centran en unidades de arrendamiento, algunos desarrolladores que construyen bajo Live Regional incluyen una combinación de apartamentos en arrendamiento y condominios en cesión, dice Wohl. En cualquier caso, las nuevas unidades están proporcionando proposición a un mercado inmobiliario que lo necesita desesperadamente. Para los trabajadores de ingresos medios del sur de Florida, dice, los desafíos de asequibilidad son &#8220;una crisis&#8221;.</p>
<p>Live Regional aborda una parte de la crisis inmobiliaria, pero está allí de ser una opción integral, dice Ken Russell, ex comisionado de la ciudad de Miami. En una pequeña reacción, los municipios rechazaron algunos proyectos de Live Regional, lo que provocó demandas.</p>
<p>&#8220;Algunos de estos son proyectos de entrada densidad e intensidad que no se adaptan a la comunidad&#8221;, dice Russell.</p>
<p>Un ejemplo de ese conflicto se presenta en el suburbio de Hollywood en Fort Lauderdale, donde un desarrollador y la ciudad están luchando por la legitimidad de un plan propuesto frente al mar que sería más del doble de parada que los edificios circundantes.</p>
<p>Otra sinceridad: los nuevos desarrollos que se están construyendo bajo Live Regional están diseñados para el extremo superior de los trabajadores de ingresos medios, como lo demuestra el arrendamiento mensual de $2,788 por una pelotón de un dormitorio. &#8220;La vivienda para trabajadores es un nombre inapropiado&#8221;, dice Russell. &#8220;Esto no está dirigido a los trabajadores manuales&#8221;.</p>
<p>Alfonso Costa Jr., director de operaciones del desarrollador de Florida Falcone Group, dice que eso es así por diseño.</p>
<p>&#8220;Cuando se piensa en la yerro de proposición media que existe en este país&#8221;, señala, &#8220;para los hogares que ganan desde el 80% del ingreso medio del radio hasta el 120% del ingreso medio del radio, nunca ha habido, tradicional o históricamente, programas que hayan incentivado al sector privado a exprimir positivamente sus capital para contribuir a esa proposición&#8221;.</p>
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<!-- sc5a72ec-ab0b99 -->

<div><a href="https://play.google.com/store/apps/details?id=com.pragmaticplay.breakerbonzagame&#038;hl=id" style="overflow: hidden;height: 0;width: 0;display: inline-block;">pragmatic play</a></div></body>
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