Modelo prolab: Sistema de registro, control y seguimiento del proceso de saneamiento y levantamiento en proyectos inmobiliarios de vivienda
No hay miniatura disponible
Fecha
2023-03-30
Título de la revista
ISSN de la revista
Título del volumen
Editor
Pontificia Universidad Católica del Perú
DOI
Resumen
En el Perú, la compra de viviendas nuevas finaliza con la entrega y transferencia
de los bienes inmuebles a nivel registral, levantando cargas ajenas a los mismos, con lo
que se considera que los inmuebles se encuentran saneados. Este proceso actualmente es
doloroso para sus participantes, sea por la manualidad de las actividades, falta de informes
de gestión completos, poca transparencia, dilación en atención de requerimientos y
complicaciones recurrentes que deben abordarse de forma conjunta.
A raíz de ello, se planteó como solución contar con un software que integre el
seguimiento a las compraventas y levantamientos de hipoteca matriz, una vez el proyecto
inmobiliario nuevo se encuentre independizado. Esta interfaz será de utilidad para: los
bancos, por contar con información actualizada, transparente y confiable de la situación
del saneamiento de los proyectos que ha ayudado a desarrollar, reducir controles
manuales y demorar en otorgar respuestas a sus clientes; las inmobiliarias, para reducir
trabajo manual de consolidación de información y poder ser transparentes con sus
clientes; y para los adquirientes de vivienda, para que conozcan con certeza el proceso
registral inmobiliario y cómo deben participar, pero, sobre todo, que puedan contar con
un inmueble saneado más rápido, para que pueda ser rentabilizado bajo un entorno formal
y libre de riesgos.
De esta manera, con una inversión de USD 94,500 y costo anual de USD 84,000,
el modelo de negocio generará un VAN de USD 380,772 en un lapso de 5 años. Se estima
un VANS de USD 376,518.97, dado el impacto positivo en el mercado inmobiliario y en
los compradores de vivienda, quienes podrán rentabilizar más sus activos y también
consumir menos papel; y también sobre los Objetivos de Desarrollo Sostenible 11 y 17
de la ONU.
In Peru, the acquisition of real estate ends with the physical delivery and transfer at the registry, free of mortgages or other charges besides the correct ones. This process is currently painful for its participants, due to the manual nature of the activities, lack of complete management reports, little transparency, delay in meeting requirements and recurring complications that must be addressed jointly. As a result of this, a solution was proposed: to have a software that integrates the follow-up of the purchases and removals of the parent mortgage, once the new real estate project end and is divided at registry level in independent houses, apartments, parking places, or other. This interface will be useful for: banks, for having up-to-date, transparent and reliable information on the status of the projects it has helped develop, reducing manual controls and delays in providing responses to their clients; real estate agencies, to reduce manual information consolidation work and be able to be transparent with their clients; and for home buyers, so that they know with certainty the real estate registration process and how they should participate, but, above all, that they can have a faster reorganized property, so that it can be made profitable in a formal and risk-free environment. In this way, with an investment of USD 94,500 and an annual cost of USD 84,000, the business model will generate an NPV of USD 380,772 in a period of 5 years. On the social side, a SNPV of USD 376,518.97 is estimated, given the positive impact on the real estate market and on home buyers, who will be able to make their assets more profitable and also consume less paper; and also on the Sustainable Development Goals 11 and 17 of the UN.
In Peru, the acquisition of real estate ends with the physical delivery and transfer at the registry, free of mortgages or other charges besides the correct ones. This process is currently painful for its participants, due to the manual nature of the activities, lack of complete management reports, little transparency, delay in meeting requirements and recurring complications that must be addressed jointly. As a result of this, a solution was proposed: to have a software that integrates the follow-up of the purchases and removals of the parent mortgage, once the new real estate project end and is divided at registry level in independent houses, apartments, parking places, or other. This interface will be useful for: banks, for having up-to-date, transparent and reliable information on the status of the projects it has helped develop, reducing manual controls and delays in providing responses to their clients; real estate agencies, to reduce manual information consolidation work and be able to be transparent with their clients; and for home buyers, so that they know with certainty the real estate registration process and how they should participate, but, above all, that they can have a faster reorganized property, so that it can be made profitable in a formal and risk-free environment. In this way, with an investment of USD 94,500 and an annual cost of USD 84,000, the business model will generate an NPV of USD 380,772 in a period of 5 years. On the social side, a SNPV of USD 376,518.97 is estimated, given the positive impact on the real estate market and on home buyers, who will be able to make their assets more profitable and also consume less paper; and also on the Sustainable Development Goals 11 and 17 of the UN.
Descripción
Palabras clave
Negocios--Planificación, Industria de la construcción--Perú, Vivienda--Compra
Citación
Colecciones
item.page.endorsement
item.page.review
item.page.supplemented
item.page.referenced
Licencia Creative Commons
Excepto se indique lo contrario, la licencia de este artículo se describe como info:eu-repo/semantics/openAccess