the Financial pressures That pass through the houses and put it back Expenditures, taxes and services are in the same basket of pressing problems. In a scenario where many households are no longer able to cover everything in time, the collection system of additional banks is beginning to move in to offer something that until recently seemed unlikely: financing bills with a credit card.
Companies in this sector are developing agreements with banks to… Enable installment payment At physical collection points. The logic here is that the greater the pressure on the local budget, the more necessary a mechanism to prevent the multiplication of arrears becomes.
According to market operators, the use of plastics to settle debts could become a problem Exhaust valve For families with inflation-adjusted income and price increases.
Expenditures in red: delinquency is growing
In parallel, deviation is increasing. City associations are finding that a growing number of owners and tenants are falling behind Pay expenses. In some neighborhoods, the percentage exceeds 17 percent. Debt experiences are progressing and their impact is recurring in services and even in personal credit installments. The retail payments chain is under pressure.
In this context, Finance is shown as A Temporary bridge To avoid interruptions, claims, or downtime of essential services within the buildings. But specialists warn that it does not solve the underlying problem.
martin ellisagaray, The horizontal ownership technology consultant and founder of Simple Solutions says the system has reached its most sensitive stage in the past decade. “Households have reached their limit. Expenses no longer compete with leisure time or casual purchases, but with rent, with the supermarket and with medicines. The local economy is organized in survival mode.”
The adjustment does not come only because of general inflation
This mismatch immediately affects coexistence: more tense union meetings, disagreements over reforms, and discussions about how Prioritize expenses. In many buildings, non-payment compromises basic tasks such as cleaning, elevator maintenance or night security.
Ilesagaray points out that the adjustment does not come only because of general inflation. Gradual elimination of support in health services Electricity, water and gas It hits directly on overhead. “What was previously mitigated by the tariff scheme now appears unsedated. The consortium without margin becomes a fragile space.”
In the face of this scenario, Efficiency is no longer cAn ambitious concept It becomes a survival resource. Sensors, LEDs, pump and boiler automation allow us to reduce consumption without sacrificing operation. According to the specialist, these investments pay off quickly and relieve monthly stress.
The other direction is revision Service structure. In some cases, Outsourcing cleaning or monitoring ends up being cheaper than maintaining your own staff, always with strict controls and transparent contracts.
He says danger Elisagarayis inertia. “The most expensive thing for a consortium is indecision. When no one is looking at consumption, budgets or suppliers, everything goes up. Managing a building is not about making loose calculations: it is managing collective assets at a time when every peso counts.”
At the same time, “Payment in installments” It was installed as a shortcut to get around the situation. This is not the solution, but it is the mechanism that allows many families to save time in a country where the accrual calendar runs faster than income.