Professional Documents
Culture Documents
07 Housing in Mexico
10 Right to Housing
18 What is Infonavit?
History
Institutional Impact
31 UN Habitat Alliance
(City Prosperity Index)
2
HOUSING
CHALLENGES
Challenges in Mexico
1. Urban Expansion
2. Economic Transformation
3. Social Inclusion
4. Climate Change Vulnerability
5. Urban Governance
6. Financing
Global Challenges
Informal Settlements Affordability
UN-Habitat estimates that in 2014 there was Very often, affordable housing is inadequate; and
881 million people living in slums in developing adequate housing is usually unaffordable. Public
country cities. This represents an increase of 28% housing represents 15% of all the inventory of
over the past 24 years. Still, in 2014, 30 % of urban developed and developing countries.
population of developing countries resided in
slums, compared to 39 % in the year 2000. Planning
Housing accounts for more than 70% of land use
Housing Demand in most cities.
One billion new homes are needed worldwide
by 2025, costing an estimated $650 billion per Sustainability
year, or US$9-11 trillion overall. Households consume up to 19% of the global
energy. To achieve sustainable cities, energy
efficient homes are needed.
IF WE IMPROVE HOUSING,
WE IMPROVE THE CITY
4 5
Population 2019 125,960,168
(million)
(million)
Concept 2017
• The residential sector Mexico´s GDP, taking Regulation and promotion 7,071 MXN
is responsible for 15% into consideration Job postings 2,412,885
of the total final energy imputed rent.
Source: INEGI Source: Conapo
consumption in Mexico Source: INEGI Source: INEGI
6 7
(2016-2018)
Source: RUV
L
F
Subsidized and non-subsidized average built area (m2)
UMA in Spanish: Unit of Measurement and Update: MXN: 2,450.24 monthly (USD: 129)
Exchange rate: MXN 19 = USD 1
(2018)
8 9
17 Sustainable
2030 Agenda Development 169 targets
Goals
DIMENSIONS OF
SUSTAINABLE DEVELOPMENT
Right to Housing
10 11
Habitability Cultural Adequacy
Adequate housing should Adequate housing should
provide the occupants with respect and take into
adequate space and protect account the expression of
them from cold, damp, heat, cultural identity and diversity
rain, wind or other threats to of housing by ensuring
health, structural hazards, and the cultural dimensions of
The 2030 Agenda for Sustainable dimensions, including extreme poverty, to
disease. Member states are housing are not sacrificed.
Development is a global plan of action in favor make human rights a reality for all people
encouraged to apply the health
of people, the planet and prosperity. It seeks and to achieve gender equality through the
principles in relation to Accessibility
to strengthen universal peace and promote empowerment of all women and girls and to
adequate housing prepared by Housing must be accessible
the eradication of poverty in all its forms and advance toward sustainable development.
the World Health Organization. to all, including disadvantaged
and marginalized groups.
Housing law and policy should
take into account the special
The United Nations Committee on Economic, Social and needs of these groups.
What is the Right Cultural Rights has underlined that the right to adequate
housing should not be interpreted narrowly. Rather, it
to Adequate Housing?
should be seen as the right to live somewhere in security,
peace and dignity. The characteristics of the right to
adequate housing are clarified mainly in the Committee’s
general comments No. 4 (1991) on the right to adequate
housing and No. 7 (1997) on forced evictions.
Availability of services,
materials, facilities,
Protection against forced evictions
The right to and the arbitrary destruction
and infrastructure
Adequate housing should
adequate housing and demolition of one’s home. provide all persons with access
contains freedoms to facilities essential for health,
The right to be free from arbitrary security, comfort, and nutrition
interference with one’s home, Location including safe drinking water,
privacy and family. Adequate housing should adequate sanitation, energy for
allow access to employment, cooking, heating, lighting, food
Housing, to be adequate, health care services, schools, storage, refuse disposal, and
must at minimum meet The right to choose one’s residence, childcare centers, and other emergency services.
to determine where to live
the following criteria and to freedom of movement.
social facilities. Additionally,
housing should not be situated
at polluted sites or in proximity
to pollution sources that
threaten the right to health of
the inhabitants.
Security of tenure
All persons should possess a degree
Affordability of security of tenure guaranteeing
The attainment of satisfaction legal protection against forced
of other basic needs should not evictions, harassment and other
be threatened or compromised threats. Tenure could comprise of
by the costs associated with rental accommodation, cooperative
housing. Member states should housing, lease, owner occupation,
take steps to ensure housing emergency housing, and informal
related costs are consummate settlements including occupation of
with income levels. land or property.
12 13
THE IMPACT OF SUSTAINABLE,
SAFE, INCLUSIVE, AND
RESILIENT HOUSING ON
URBAN DEVELOPMENT
Improves
1
Security
14 15
9—INDUSTRY INNOVATION AND 10—REDUCED INEQUALITIES
INFRASTRUCTURE
62.3% of subsidies were granted to
The companies that produce people who have a monthly income
housing in Mexico are micro and of 2.6 times minimum wage.
small in size; 4 out of 5 correspond Affordable sustainable housing, improved
to this category, that is 81.11%. access to adequate housing, safe
1—NO POVERTY 2—ZERO HUNGER Access to financing by small and medium- and ecological policies and a degree
sized construction companies and other of redistribution of wealth as well as
opportunities in favor of disadvantaged
In the last 26 years, there has been 10% of households with lower companies in the housing sector has
the potential to strengthen the domestic groups are important tools to reduce the
a 30% reduction in the number of income dedicate 50.7% of their social gap and strengthen social justice
market and help the industry grow.
people who lack quality and space spending to food, while 10% of reform.
in their homes. household with higher income
Criterion for measuring poverty in Mexico: devote only 22.5% to food-
Current income per capita, not having
11—SUSTAINABLE CITIES AND
related items. 12—RESPONSIBLE CONSUMPTION AND
access to basic education, health services, COMMUNITIES
As families create their budgets, they are not PRODUCTION
social security, no access to quality housing, able to reduce or eliminate the cost of rent,
not having basic services at home, low food and with the progressive loss of purchasing In Mexico 75% of land use in urban
9.63% of solid waste in urban areas of Mexico
availability and lack of social cohesion. power of their wages, they encounter context corresponds to housing.
Improving the safety and sustainability is recycled.
reduced access to basic food items.
of cities implies guaranteeing access The levels of construction and demolition waste
3—GOOD HEALTH AND WELL-BEING to safe and affordable housing and the production have increased in the last decades, causing
an environmental problem. It is crucial to reduce, reuse
4—QUALITY EDUCATION improvement of marginal settlements.
It also includes making investments and recycle the materials involved in the different
81% of the population has access to basic processes, as well as ensure their proper final disposal.
in public transportation, creating
services in their living place 58% of institutions of post-secondary education
green public areas and improving
The characteristics of home environment have an impact tend to be concentrated in urban areas. urban planning and management in a
on the health prognosis of its inhabitants, especially There are four variables related to housing that influence
participatory and inclusive manner. 14—LIFE BELOW WATER
basic services. This is one of the most sensitive indicators educational performance. These are: the amount of
of the scope of development and social marginality. family income, the quality of the home’s construction, the
Currently, the metropolization
conditions of the neighborhood where it is located, and
whether or not the family owns the home. 13—CLIMATE ACTION of 11 zones around the country is
5—GENDER EQUALITY under requested. Four of them
95.9% of people affected by are along the coast.
42% of female-headed 6—CLEAN WATER AND SANITATION a natural phenomena was by The trends of growth and concentration
hydrometeorological event. of population continue to manifest in
households own their home while
The likelihood of weather-related events recent years, including the urbanization
91% of male-headed household 89% of housing in Mexico has public water of risk and protected areas, directly
occurring will increase even more with
own their homes. and drainage. threatening the conservation of coastal
climate change and the rise of global
There is strong competition for land Living in a home requires adequate functioning of and maritime zones.
temperatures. Avoiding the location of
and housing among the growing urban technical networks within the community, such as
housing in high-risk areas susceptible to
populations and, in many parts of the world, those which provide the supply of drinking water,
weather-related disaster, is a fundamental
women are in a disadvantaged position since evacuation of liquid residuals, solid waste collection 16—PEACE, JUSTICE AND STRONG
part to strengthen the resilience and
their ability to access land and housing often services, electric power, telephone services, and radio- INSTITUTIONS
adaptability of cities.
depends on their link to the male gender. electric communications.
16 17
“Infonavit is an institution that has a very important social
dimension, in support of workers. Strengthening it is essential for
the development of the country”.
—Andrés Manuel López Obrador | President of Mexico
Mission
It was created as a social service organization, To generate value for workers, their families
to administer the National Housing Fund and communities through housing and savings
resources, as well as to establish and operate solutions that, throughout their working life, allow
a financial system that allows its account them to increase their equity and quality of life in a
holder to obtain an affordable mortgage. sustainable manner for a dignified retirement.
1 2 3 4
Empower each individual Provide the best financial Provide efficient returns to Mantain an efficient
entitled to make the products in order for each the account holder´s savings administration of the Fund
best decisions about the account holder to have access account to facilitate access based on the principles
conformation of their equity to a quality housing solution. to a home and complement of excellence in service,
and a better quality of life. savings for retirement. transparency and accountability.
18 19
2013 2016
SOCIAL CHANGE AGENT EMPHASIS ON THE WORKERS NEEDS
Commerce, Services
11 Assembly members
Mexican Republic United Mexican
Employers States Industrial and Tourism Ministry of Finance
Confederation Chambers National Chambers Ministry of Economy
(COPARMEX) Confederation Confederation Ministry of Social Legal and General Secretariat
(CONCAMIN) (COCANACO- Developement
Deputy Director-General of Attention and Services
1970–80
SERVITUR) Ministry of Labor
Ministry of Agrarian, Territorial, Deputy Director-General
Housing Promotion and Construccion
Development Industry Industry Mexican
and Urban Development of Finance and Planning Deputy Director-General of Administration
National Chamber Chamber and Human Resources
(CANADEVI) (CMIC)
Deputy Director-General
MARKET CREATOR
of Loan Origination
1990 2001–12
Deputy Director-General of Media
Infonavit participates and Communication
Deputy Director-General
both in construction
of Loan Administration Deputy Director-General of Information
and housing finance.
SOCIAL MORTGAGE ENABLER OF HOUSING and Technologies
LENDER DEFICIT REDUCTION
20 21
FISCAL AUTHORITY
Social Wealth
SAVINGS
INFORMATION AND
AMORTIZATIONS
CONTRIBUTIONS
Administrator
5%
10.4 million
22.8%
ACCOUNT
544,588
CONTRIBUTIONS
HOLDER SAVINGS accumulated
EMPLOYERS WORKERS ACCOUNT mortgages and
AMORTISATIONS
BALANCE (SSV,
loans in 2018 refurbishment loans participation in
BY ITS SPANISH
have been granted total savings for
REFUND
ACRONYM)
· 369,530 since 1972 retirement
Bimonthly contributions mortgages for new
made by the employer
to Infonavit’s account
and used houses.
· 168,987
3 times
holders that amount
to 5% of the worker’s improvements. Infonavit grants
monthly salary.
· 6,071 more than
Withdrawal of Savings
Account Balance (RSV,
extraordinary
measures 1,500 more Infonavit
mortgages than
by its Spanish acronym) (September 2017 loans per day commercial banking
RIGHT TO BE AN INFONAVIT RIGHTHOLDER
earthquakes).
According to the laws
At the very moment that employers register their workers in regarding social security,
the Social Security Mexican Institute (IMSS, by its Spanish savings for retirement and
1 in every 3
acronym), they become Infonavit account holders. Infonavit, at the time of
retirement any worker can
withdraw his/her entire
64 million
Rightholder Savings Account
Balance (SSV), provided no Mexicans lives in a
mortgage was ever granted. house related with
account holders Infonavit´s credits
THE RIGHTHOLDER CAN
EMPLOY HIS/HER LOAN
(INDIVIDUAL OR SPOUSAL) TO:
22 23
(2000-2018) 2018
(2000-2018)
(2000-2018)
Source: Infonavit
UMA in Spanish: Unit of Measurement and Update: MXN: 2,450.24 monthly (USD: 129)
Exchange rate: MXN 19 = USD 1
Source: Infonavit
24 25
INFONAVIT IN
COMPLIANCE WITH THE
NEW URBAN AGENDA
ACTIONS ACHIEVEMENTS STRATEGIES
Source: Infonavit
26 27
14 15 16 17 18 14 15 16 17 18
28 29
Context What is the City Prosperity
In 2012 the United Nations Human
Index (CPI)?
Settlements Programme (UN-
It is a scientific measuring instrument on
Habitat) created a tool to measure the
the prosperity of cities, which is used as
sustainability of cities: the City Prosperity
a basis to discuss which policies would
Initiative. This initiative is both a metric
be relevant to implement and which
and a policy dialogue, which offers cities
investments to promote. In addition,
from developed and developing countries
it proposes a practical framework
the possibility to create indicators and
for the formulation, implementation
baseline information. It also serves to
and monitoring of an Action Plan
define targets and goals that can support
that integrates the six dimensions:
the formulation of evidence-based
Productivity; Development Infrastructure;
policies, including the definition of city-
Quality of life; Equity and Social
visions and longterm plans that are both
Inclusion; Environmental Sustainability
ambitious and measurable.
and Governance and Urban Legislation.
Alliance
1st Stage
Since 2014, Infonavit, through the Research Center for Sustainable
Development (CIDS), has had a working alliance with UNHabitat to In the first stage of
support the different levels of government and stakeholders involved collaboration, the City
in articulating efforts. This with the objetive of creating a road map Prosperity Index (CPI)
for cities to reach an urban, economic, social, and environmentally was implemented in
prosperous future. With this allliance there will be more conditions 153 municipalities in
to measure the present progress of cities, encouraging policies and Mexico, including the 16
actions towards prosperity. delegations of Mexico City.
32 33
54.3 NATIONAL
RESULT
The graphs show the summary of
CPI in the 153 Municipalities.
GLOBAL
PROSPERITY SCALE
The CPI measures the strength CPI Results Prosperity factors Intervention level
or weakness of the prosperity
factors in the city. The resulting 80-100 Very solid factors Consolidate urban policies
34 35