Obligados a vivir bajo el mismo techo

El 13

Andrea por temas económicos vive bajo el mismo techo que su familia y la situación es insostenible. “Con mi pareja no nos alcanza para independizarnos y necesitamos nuestro espacio”, comenta ella.

Transcript

00:00to live in the same house, when the economic conditions do not allow us to become independent,

00:06when the economic conditions force us to live with a relative, and it is very difficult to get out of there.

00:13The first call, the first testimony, is from Andrea. Hello Andrea, welcome, we are all here.

00:20Hello, how are you?

00:21Good, and you, thank you very much for contacting us. Tell me, what is your situation and how can we help you?

00:28Now, at this moment, I am living with my parents, my partner and my baby.

00:38How old is your baby?

00:40She is 7 months old.

00:42And how long have you been living there with your parents?

00:46I came to live with them last year in August, more or less.

00:54I'm not going anymore.

00:56And what led you to live with them again?

00:58What happens is that I got pregnant while I was unemployed.

01:04At that time I was in another city, I am from Santiago, but at that time I was in another place.

01:12And the truth is that I wanted to come to Santiago to be able to have my baby under a protection circle.

01:23A protection circle closer to my friends, my family, obviously.

01:27So, since I was unemployed and my partner was not here, she had to, let's say, work here a little while ago.

01:37And the truth is that it was difficult to find a job, but at least she found it, she has two jobs.

01:45But even so, it is not enough for us.

01:48It is not enough for you to rent?

01:52I imagine that if you call, it is because you are in a very limited situation.

01:56Maybe for you it would be enough to rent a room, more than an apartment.

02:04Yes, well, with a baby it is a bit difficult to rent a room, but we still want a lot of our own space.

02:13Because no matter how much the family loves us, there is a moment when you start to quarrel with the family.

02:21I want to ask you that, Andrea.

02:23Because, of course, if you are in an environment with your family, with your mother, maybe with another relative there in the house,

02:29you are with a baby and there is an environment of containment.

02:33It is what one could understand from the outside.

02:35But what are those quarrels?

02:37Why is coexistence so complicated?

02:40Well, here we live with two brothers of my mother.

02:46So, the brothers of my mother have some mental problems.

02:52But it is more difficult for me to accommodate.

02:56Well, you knew that in advance, before going to live again with your mother, but you had no other option?

03:02No, I had no other alternative.

03:05The thing is that I have an apartment, but in the last year the dividend of the apartment has gone up too much,

03:13and we can't afford to pay the dividend.

03:17So I have it rented, and with the money they give us for the rent, I practically pay all the dividend.

03:23Of course, there is nothing extra left to not even save.

03:27Now, look, just to understand, and so Dr. Borsillo can also help us.

03:32The income of your partner, what is it enough for them?

03:38To pay debts.

03:40You are indebted too.

03:42Yes, we are indebted.

03:44And also to be able to buy things with our debt.

03:48And that debt, who owes you money?

03:52In several parts, or maybe some consumer credit that you asked for?

03:57It is a consumer credit to pay for the baby's clinic.

04:03And we are also paying for a car that he uses to work.

04:09Let's see, give me a second.

04:11Dr. Borsillo, you are already noting, and this is finally the reality of many people.

04:15Yes, of course.

04:17Look, what Andrea tells us is the reality of ...

04:22For you to have an idea of the housing deficit in Chile, Priscila, there are 650,000 homes.

04:26And what I really like about this program is that you make these situations visible,

04:30which we normally do not talk about on a day-to-day basis.

04:34Of those 650,000, 270,000 families are in the quality of Andrea.

04:40That is to say, living as relatives.

04:42There are 230,000 families who live in the quality of asylum seekers.

04:46In addition to being relatives, let's say ...

04:48A more complicated situation.

04:50There are 5,000 who live in camps and around 40,000 people who live in families,

04:54in uninhabitable homes.

04:56The problem we have is that at the rate of housing construction,

04:58which is raised year by year,

05:00the deficit is unsustainable for many years.

05:04In the government of President Boric, 230,000 homes are planned to be built,

05:08but today there are 650,000 missing.

05:10So what is intended is to find how to streamline other mechanisms,

05:14for example, housing purchase subsidies,

05:16or for low-income people,

05:18but what has happened is that since the houses are more expensive,

05:20the subsidies are more expensive,

05:22those alternatives are not very practical either.

05:24So there is a spiral.

05:26If we ask Andrea, have you ever quoted a subsidy?

05:28Do you have any idea how much it would cost you to rent a place

05:32to go live with your grandmother and your partner?

05:34Yes, between 420,000 and 450,000 more or less.

05:40And for you, would it be feasible to access that subsidy,

05:42for example, if you had the money?

05:44Let's say you had the money,

05:46but you also have additional money to pay for food,

05:48which is essential, milk and water,

05:50the basic expenses.

05:52Do you know why I'm asking you this?

05:54Because there are many requirements.

05:56Would you meet those requirements?

05:58Of course, one thing is that I could have the money,

06:00but another thing is that, for example,

06:02they ask for a grant,

06:04they ask for the last two liquidations,

06:06they ask for two months of guarantee,

06:08and that also makes it more complicated.

06:10And they raise the rent.

06:12Andrea, how long have you had the mortgage debt

06:14for your apartment?

06:18I have it for eight years and I have it for sale.

06:20And you have it for sale.

06:22There is an interesting point,

06:24although the rates of mortgage loans have risen,

06:26we reached a minimum a year and a half ago,

06:28which was really very low,

06:30but today's rates are still more convenient

06:32than eight years ago.

06:34There are people who asked for mortgage loans

06:36and never cared to check the rate,

06:38and today you see some improvement

06:40in conditions,

06:42or look for...

06:44Look, the advice I'm never going to give

06:46is to give up a real estate.

06:48The idea is to try to keep the house

06:50as long as possible.

06:52If you can look for some alternative

06:54to refinance mortgage loans

06:56to try to lower the deadline

06:58and generate some slack in your box

07:00that allows you to be able to rent.

07:02I don't know if something of 420,000 pesos,

07:04maybe a more economical solution

07:06within your possibilities.

07:08Try with all your debts,

07:10with all the rates you are paying,

07:12and see if the car is paid

07:14with the business

07:16for which your husband is using it.

07:18And see how you can try

07:20to release some money

07:22looking for some alternative

07:24to refinance those debts

07:26so that you can generate some cash to rent.

07:28Andrea, how old were you

07:30when you asked for the mortgage loan

07:32from your apartment?

07:34Actually, they didn't give me options,

07:36I was 30 years old.

07:38The amount of money you had at that time

07:40was 30.

07:42If she has already paid 8 years...

07:44Yes, tell me Andrea.

07:46Another thing,

07:48when I bought my apartment

07:50the building was happy,

07:52it was totally habitable.

07:54Nowadays,

07:56with the crime rates

07:58that have gone up a lot

08:00and the neighborhood where the building is located

08:02it is impossible to live in that apartment.

08:04Maybe it is cheaper for me

08:06to pay the dividend than the rent.

08:08But what happens?

08:10Even a few months ago

08:12the red press came out

08:14because they killed a person

08:16inside the building, in the corridor.

08:18Yes, it is very complicated.

08:20It is good to know

08:22why you are not going to live

08:24in that apartment

08:26that is finally yours

08:28and what you are paying with a dividend.

08:30But look,

08:32the possibility of leaving

08:34your parents' house

08:36where you are not comfortable

08:38is maybe looking for a job.

08:40Would you have the possibility of working today?

08:44The only thing I want is to work

08:46but hopefully

08:48from home.

08:50Why?

08:52Because I want to be taken care of by my daughter.

08:54Due to the conditions of the people

08:56who live here in the house.

08:58That is very important

09:00because you also have to take care of your daughter.

09:02Before getting into the labor issue

09:04I want to ask Alexandra

09:06what recommendations

09:08we can give to Andrea and Alexandra

09:10because the truth is that it is very difficult

09:12to say, no, look,

09:14try to keep your comments,

09:16let's try to have a coexistence

09:18as best as possible.

09:20When you see the personalities of the people

09:22who are inside the house, it is very complex.

09:24Yes, I would like...

09:26Hi, Andrea, I would like to ask you a question.

09:28More or less.

09:30I would like to ask you

09:32because your answer will also help

09:34many people who are listening to us

09:36who may be living a similar situation to yours.

09:38What happens to you emotionally

09:40living in that house?

09:44The truth is that

09:46it exhausts me.

09:48It exhausts me first because

09:50I am in a moment in my life

09:52when I am a first daughter mother

09:54and maternity is stress.

09:56Second,

09:58it exhausts me to have to

10:00deal with the characters

10:02of the other person.

10:04In addition, among them,

10:06some of them get along very well,

10:08they fight, so sometimes

10:10lunches are not very pleasant,

10:12they are arguing, I don't know,

10:14for very ridiculous things like

10:16oh, you didn't bring the glass,

10:18oh, I told you to bring it,

10:20very silly things,

10:22so it doesn't make the coexistence pleasant at all.

10:24The truth is that now my grandmother is little

10:26and she doesn't know, she doesn't realize,

10:28but I don't want time to pass

10:30and to be stuck here

10:32so that she can

10:34realize the environment where she is.

10:36Ok, look,

10:38I would give you a piece of advice,

10:40as La Pris asked, which is super important.

10:42We always saw it, there are things that have a cost

10:44and an opportunity or all consequences have an act

10:46and after having seen with Dr.

10:48Bolsillo all the summary

10:50of everything they were seeing, the economic part

10:52the most viable thing

10:54at this moment is to be there for the moment, right?

10:56So,

10:58as you have to be there for this moment

11:00because you can't sell for a series of economic factors,

11:02find a way

11:04to learn

11:06to live with

11:08all the people you are with

11:10because there are people who have a mental health problem.

11:12So, because also

11:14having a seven-month-old daughter

11:16stresses a lot, but also your daughter

11:18is receiving

11:20all the negative emotions.

11:22So, I would like to give you a piece of advice

11:24that you try to look for the positive side

11:26always,

11:28there is always a positive side within the negative

11:30to be there.

11:32And secondly, for example,

11:34work your thoughts, your anger, your things,

11:36what happens to you.

11:38So, I would like to give you

11:40an exercise, sometimes visualization,

11:42thinking helps us a lot

11:44and liberation.

11:46For example, grab balloons, maybe even your daughter

11:48will be able to help you.

11:50And in a balloon, I don't know,

11:52you woke up with anger, with your brother,

11:54with your uncle, with I don't know who,

11:56you feel an emotion of anger,

11:58grab the emotion of that thought,

12:00take care of the anger

12:02and say, here goes the anger, and let it go.

12:04Without bursting it?

12:06No, without bursting it.

12:08I feel like bursting it.

12:10In the case of Andreita, she has a balloon for seven months.

12:12Then, I don't know,

12:14little tolerance, frustration,

12:16let's go again.

12:18Let's see, Mr. Bolsillo, what would you like?

12:20What would you tell her?

12:22Negative thoughts.

12:24The best thing is to get rid of the bad vibes.

12:26We're going to throw her into a tank.

12:28Something about the bad vibes.

12:34This is the principle of liberation,

12:36because all the emotions

12:38that you are retaining

12:40and that are negative,

12:42influence you to sleep,

12:44to be with your daughter,

12:46that you can transfer all that negative emotionality

12:48and your daughter can also be more hyperactive

12:50the next day, more restless, with negative emotions.

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