Mexico’s Housing Paradox: Tensions Between Financialization and Access
Mexico’s Housing Paradox: Tensions Between Financialization and Access
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墨西哥的住房悖论：金融化与准入之间的紧张关系
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发表时间：
2020
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通讯作者：
Alejandra Reyes
中科院分区：
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作者：
Alejandra Reyes
本文的主要目的是分析不同政府层面和机构在促进墨西哥住房金融化中的参与情况。此外，它还审查了遵循这一逻辑的一些影响，特别是在地方和家庭一级，例如克服抵押贷款债务，空置和废弃住房的聚集，以及最终再现恶劣的住房条件。自上世纪90年代末以来，数以百万计的家庭获得了抵押贷款，在墨西哥城市的郊区购买住房。然而，这些新的大规模住房开发项目提供的经济机会有限，并给地方政府带来了提供基础设施和服务的沉重负担。许多家庭的抵押贷款债务也在增加，迫使他们中的许多人离开了自己的住房。到2010年，墨西哥是经济合作与发展组织（oecd）成员国中住房空置率最高的国家，约三分之一的墨西哥人仍住在不稳定的住房条件下。我认为，这种矛盾的共存暴露了住房金融化与住房权之间的紧张关系，以及前者在多大程度上胜过后者。
ABSTRACT The main aim of this article is to analyze the participation of different government levels and institutions in promoting the financialization of housing in Mexico. Furthermore, it examines some of the implications of following this logic, particularly at the local and household levels, such as surmounting mortgage debt, the clustering of vacant and abandoned housing, and, ultimately, the reproduction of poor housing conditions. Since the late 1990s, millions of households have acquired mortgages to buy homes in the periurban fringes of Mexican cities. Such new sprawling housing developments, however, have offered limited access to economic opportunities, and have imposed a significant burden on local governments to provide infrastructure and services. Many families have also seen their mortgage debt increase, forcing many of them to leave their dwellings behind. By 2010, Mexico had the highest vacancy rate among member countries of the Organisation for Economic Co-operation and Development, and about a third of Mexicans still live in precarious housing conditions. Such paradoxical coexistence, I argue, exposes a tension between the financialization of and the right to housing, and the extent to which the former has trumped the latter.