Abstract

Far from being a promotion policy governing housing under the right to adequate housing is a policybased lending to real estate. Under the protection of credit liberalization and restructuring of financial institutions mortgage, and sustained by workers as the only really target population, job stability and financial security, policy housing finance becomes a success for the enterprise-class construction, leaving the city with an infinite number of new problems (poor quality housing stock, spatial segregation, violence generation) and here is concerned only one: uninhabited housing. Using data on population and housing census (1990-2010) and credits exercised Mexico and states, it is shown that most of them were executed in the Mexican cities over one hundred thousand inhabitants because they are urban spots that meet the captive market of workers entitled to INFONAVIT and FOVISSSTE and the income needed to sustain the profitability of real estate. No concern about the utility of housing and the declaration of the right to housing for all residents.

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