SANTO DOMINGO. La Asociación Popular de Ahorros y Préstamos (APAP) tendrá un rol protagónico en el fomento de la vivienda de bajo costo, “porque ése es nuestro negocio”, afirmó Gustavo Ariza.
Reveló que de los RD$10,000 millones liberados de encaje por el Banco Central, a esa entidad le corresponden RD$400 millones, de los cuales RD$300 millones se canalizarán a través de los fideicomisos públicos, y RD$100 millones, a través de los fideicomisos privados.
El 26 de marzo, la Junta Monetaria autorizó al Banco Central a aplicar un mecanismo para facilitar el financiamiento de la construcción masiva de viviendas económicas. Esto incluye liberal un monto de hasta RD$10,000 millones del encaje legal correspondiente a los bancos múltiples y las asociaciones de ahorros y préstamos. Así, estos fondos podrán destinarse al otorgamiento de préstamos a los constructores, a un plazo de dos años y tasas de 6%; y a los adquirientes finales de esas viviendas, por hasta un monto de RD$ 2.4 millones, a tasas de hasta un 8% y a plazos de hasta 20 años.
Gustavo Ariza dio esas explicaciones en el marco de un almuerzo en el que convocaron a editores de economía y ejecutivos de medios, y donde se presentaron los resultados financieros correspondientes al 2014, de esa institución financiera y mutualista.
Durante 2014, la cartera hipotecaria de la APAP creció en 9%, llegándose a situar en RD$15,508 millones, de una cartera bruta total de RD$30,451 millones. Es 15% más alta que al cierre de 2013. Sin embargo, el mayor crecimiento se registró en los préstamos al consumo (un 33%), alcanzando esta cartera los RD$9,152 millones.
De forma concomitante con el crecimiento de la cartera, la proporción de los activos invertidos en títulos y valores bajó a 37%, desde 41% registrado al cierre de 2013. Esto significó que la proporción de los activos destinados a préstamos subió al 63%, desde el 59% registrado el año anterior.
La APAP cerró 2014 con activos totales ascendentes a RD$54,712 millones, para un crecimiento absoluto de RD$4,288 millones y relativo de 8.5%.
Asismismo, las captaciones del público en cuentas de ahorros y certificados crecieron en 7.6%, al totalizar los RD$41,556 millones. Este resultado es considerado por Gustavo Ariza como “un factor de confianza” del público en esa institución financiera, que cuenta con una participación de mercado de 41% dentro del sector de las asociaciones de ahorros y préstamos.
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