{"id":21208,"date":"2026-11-06T13:59:42","date_gmt":"2026-11-06T13:59:42","guid":{"rendered":"https:\/\/www.cltweb.org\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/el-nicho-de-la-propiedad-de-la-vivienda\/"},"modified":"2026-11-09T23:00:55","modified_gmt":"2026-11-09T23:00:55","slug":"el-nicho-de-la-propiedad-de-la-vivienda","status":"publish","type":"page","link":"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/el-nicho-de-la-propiedad-de-la-vivienda\/","title":{"rendered":"El nicho de la propiedad de la vivienda"},"content":{"rendered":"\n<div class=\"wp-block-group clt-ph is-layout-flow wp-block-group-is-layout-flow\">\n<p class=\"clt-ph-label wp-block-paragraph\">La Gu\u00eda del jardinero \u00b7 Parte 4 \u00b7 Cap\u00edtulo 3 de 6<\/p>\n\n\n\n<h1 class=\"wp-block-heading clt-ph-title\">El nicho de la propiedad de la vivienda<\/h1>\n\n\n\n<p class=\"clt-ph-desc wp-block-paragraph\">Compitiendo con otras organizaciones por financiamiento, terrenos y p\u00fablico, los CLT de los a\u00f1os ochenta y noventa encontraron su nicho en la vivienda en propiedad permanentemente asequible.<\/p>\n\n\n\n<p class=\"clt-ph-facts wp-block-paragraph\">Por John Emmeus Davis \u00b7 Ilustraciones de Bonnie Acker \u00b7 2014<\/p>\n<\/div>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613439184&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613439184\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"192\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg\" alt=\"Ilustraci&#xF3;n: Homeownership Niche\" class=\"wp-image-20737\" style=\"width:300px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-300x192.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1024x656.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-768x492.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1-1536x984.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Homeownership-Niche-1.jpg 1922w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustraci\u00f3n de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">En un panorama organizativo saturado y vi\u00e9ndose obligados a competir con otras organizaciones sin \u00e1nimo de lucro por la financiaci\u00f3n p\u00fablica, las donaciones privadas, los emplazamientos y los seguidores, los activistas y profesionales que crearon las primeros CLT en los a\u00f1os 80 y 90 se enfrentaron a dos preguntas decisivas:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u00bfQu\u00e9 servicios no ofrec\u00eda ya otra organizaci\u00f3n sin \u00e1nimo de lucro?<\/li>\n\n\n\n<li>\u00bfQu\u00e9 podr\u00eda hacer mejor un fideicomiso comunitario de tierras que cualquier otra entidad?<\/li>\n<\/ul>\n\n<p class=\"wp-block-paragraph\">La respuesta a ambas preguntas, para muchos CLT, fue la gesti\u00f3n a largo plazo de viviendas con restricciones de reventa y ocupadas por sus propietarios. La propiedad de la vivienda parec\u00eda un nicho en el que los CLT pod\u00edan hacerse un hueco. Al igual que muchas otras organizaciones sin \u00e1nimo de lucro, los CLT ayudar\u00edan a que los hogares con bajos ingresos pudieran acceder a la propiedad, pero luego har\u00edan lo que la mayor\u00eda de las dem\u00e1s organizaciones sin \u00e1nimo de lucro no hac\u00edan antes del a\u00f1o 2000. Los fideicomisos comunitarios de tierras se compromet\u00edan a mantener la asequibilidad de estas viviendas mucho tiempo despu\u00e9s de su compra, y siempre que salieran a la venta. Los CLT tambi\u00e9n se compromet\u00edan a garantizar el buen mantenimiento de estas viviendas con restricciones de reventa y a evitar la ejecuci\u00f3n hipotecaria en caso de que los nuevos propietarios se retrasaran en el pago de la hipoteca m\u00e1s adelante. Este tr\u00edo de responsabilidades tras la compra se conoci\u00f3 como las \u00abtres caras de la gesti\u00f3n responsable\u00bb.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343af85&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343af85\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"218\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-218x300.jpg\" alt=\"Covenant CLT - Estructura de la casa - 1981\" class=\"wp-image-20739\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-218x300.jpg 218w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-745x1024.jpg 745w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1-768x1056.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Covenant-CLT-House-Framing-1981-1.jpg 980w\" sizes=\"auto, (max-width: 218px) 100vw, 218px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Esto supuso una reducci\u00f3n significativa de la misi\u00f3n m\u00e1s amplia que en su d\u00eda se hab\u00eda previsto para el CLT. Tal y como dec\u00eda el libro de 1972, \u00abel fideicomiso comunitario de tierras tiene\u2026 como objetivo gestionar la tierra en beneficio de toda la humanidad, presente y futura\u00bb. Sin embargo, tras la publicaci\u00f3n del libro de 1982, que pon\u00eda mayor \u00e9nfasis en la vivienda asequible, la revitalizaci\u00f3n de los barrios y las poblaciones urbanas amenazadas por la gentrificaci\u00f3n y el desplazamiento, los CLT empezaron (1) a dar prioridad a un subconjunto de \u00abtoda la humanidad\u00bb, concretamente a las familias con bajos ingresos, y (2) a redefinir la gesti\u00f3n m\u00e1s en t\u00e9rminos de proteger la vivienda que de conservar el suelo.<\/p>\n\n<p class=\"wp-block-paragraph\">Esta estrategia result\u00f3 ser todo un \u00e9xito para los CLT que buscaban un nicho sostenible en un entorno repleto de organizaciones sin \u00e1nimo de lucro que compet\u00edan entre s\u00ed. Esto ayud\u00f3 a que el movimiento creciera, al menos en aquellas zonas donde las ayudas p\u00fablicas y privadas eran suficientes para cubrir la diferencia de precio entre las viviendas disponibles y los ingresos de los posibles compradores, y donde a quienes conced\u00edan esas ayudas <em>les importaba<\/em> de verdad la asequibilidad y la sostenibilidad futuras de las viviendas que hab\u00edan ayudado a crear.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343be6e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343be6e\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"173\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg\" alt=\"Ilustraci&#xF3;n: Gr&#xE1;fico de construcci&#xF3;n de Bonnie Acker\" class=\"wp-image-20741\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1-173x300.jpg 173w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Construction-graphic-by-Bonnie-Acker-1.jpg 425w\" sizes=\"auto, (max-width: 173px) 100vw, 173px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustraci\u00f3n de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343c81e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343c81e\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"65\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-300x65.jpg\" alt=\"Logotipo de Lincoln\" class=\"wp-image-20743\" style=\"width:203px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-300x65.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-1024x223.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1-768x167.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Lincoln-logo-1.jpg 1344w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Muchos no lo hicieron. De hecho, en los inicios del movimiento CLT, muy pocos funcionarios p\u00fablicos a nivel federal, estatal o municipal se paraban a pensar en lo que podr\u00eda pasar m\u00e1s adelante con las viviendas asequibles que hab\u00edan subvencionado, sobre todo si esas viviendas estaban ocupadas por sus propietarios. El Instituto de Econom\u00eda Comunitaria y los CLT locales iban a desempe\u00f1ar un papel importante a la hora de cambiar estas percepciones y pol\u00edticas. Pero contaron con mucha ayuda, no solo de aliados como el Instituto Nacional de la Vivienda y, m\u00e1s tarde, el Instituto Lincoln de Pol\u00edtica Territorial y la Fundaci\u00f3n Ford, sino tambi\u00e9n de un clima pol\u00edtico y econ\u00f3mico cambiante en el que la gesti\u00f3n responsable se consideraba cada vez m\u00e1s importante.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343dc4a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343dc4a\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"245\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg\" alt=\"Ilustraci&#xF3;n: Manifestaci&#xF3;n por la vivienda - 1981 - Gr&#xE1;fico de Bonnie Acker\" class=\"wp-image-20744\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker-245x300.jpg 245w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Housing-demonstration-1981-graphic-by-Bonnie-Acker.jpg 639w\" sizes=\"auto, (max-width: 245px) 100vw, 245px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><figcaption class=\"wp-element-caption\">Ilustraci\u00f3n de Bonnie Acker \u00a9 2014<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">A mediados de los 80, el precio de la vivienda en propiedad empez\u00f3 a subir vertiginosamente durante 20 a\u00f1os, mientras que los ingresos de los hogares se estancaban para los tres quintiles m\u00e1s bajos de la poblaci\u00f3n y los tipos de inter\u00e9s hipotecarios alcanzaban m\u00e1ximos hist\u00f3ricos. Una nueva expresi\u00f3n entr\u00f3 en el l\u00e9xico de las pol\u00edticas p\u00fablicas: la \u00abbrecha de asequibilidad\u00bb, que se refiere al abismo cada vez mayor entre los precios de la vivienda y los ingresos de los hogares.<\/p>\n\n<p class=\"wp-block-paragraph\">A medida que los pol\u00edticos y la gente en general se preocupaban cada vez m\u00e1s por la creciente falta de asequibilidad tanto de los alquileres a precio de mercado como de la compra de viviendas a precio de mercado, la confianza depositada en los modelos de tenencia tradicionales se vio algo sacudida. Estos modelos parec\u00edan cada vez m\u00e1s incapaces de proteger y preservar la vivienda asequible, sobre todo en mercados inflacionistas con precios sobrecalentados. El CLT, por el contrario, se dise\u00f1\u00f3 espec\u00edficamente para hacer lo que los modelos basados en el mercado no pod\u00edan. Como declar\u00f3 Chuck Matthei en la Conferencia Nacional sobre CLT celebrada en Atlanta en 1987: \u00abNing\u00fan programa, ya sea p\u00fablico o privado, es un<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343ea6b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343ea6b\" class=\"wp-block-image aligncenter size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"201\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-300x201.jpg\" alt=\"Chuck Matthei\" class=\"wp-image-20747\" style=\"width:125px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-300x201.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei-768x515.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Chuck-Matthei.jpg 814w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<figure id=\"attachment_2735\" aria-describedby=\"caption-attachment-2735\" style=\"width: 125px\" class=\"wp-caption alignright\"><figcaption id=\"caption-attachment-2735\" class=\"wp-caption-text\">Chuck Matthei<\/figcaption><\/figure>\n\n<p class=\"wp-block-paragraph\">No puede haber una respuesta verdadera ni adecuada a la crisis de la vivienda si no se aborda la cuesti\u00f3n de la asequibilidad a largo plazo. Es hora de marcar una l\u00ednea clara a nivel pol\u00edtico. Este es un reto pr\u00e1ctico al que se enfrentan los responsables pol\u00edticos; es el reto pr\u00e1ctico al que se enfrentan los activistas comunitarios; y, afortunadamente, es un reto pr\u00e1ctico que el modelo de fideicomiso comunitario de tierras es capaz de afrontar\u00bb.<\/p>\n\n<p class=\"wp-block-paragraph\">Por primera vez, tanto los responsables pol\u00edticos como los activistas comunitarios prestaban atenci\u00f3n. La asequibilidad permanente empez\u00f3 a parecer una l\u00ednea de actuaci\u00f3n prudente, una pol\u00edtica m\u00e1s responsable desde el punto de vista fiscal y m\u00e1s defendible pol\u00edticamente que las pr\u00e1cticas gubernamentales anteriores. A medida que la conservaci\u00f3n ganaba protagonismo en la agenda p\u00fablica, sobre todo en lugares donde los precios de mercado se disparaban, el n\u00famero de CLT empez\u00f3 a crecer.<\/p>\n\n<p class=\"wp-block-paragraph\">Para sorpresa de muchos observadores, lo mismo ocurri\u00f3 en mercados en crisis. Tanto en lugares donde la brecha de accesibilidad no se estaba ampliando como en momentos en los que los precios de la vivienda se desplomaban, el n\u00famero de CLT y su aceptaci\u00f3n siguieron aumentando. La raz\u00f3n no era dif\u00edcil de entender. Los CLT no desaparec\u00edan tras vender una vivienda con restricciones de reventa. Segu\u00edan respaldando la operaci\u00f3n, amparando las oportunidades de acceso a la vivienda que tanto les hab\u00eda costado crear. Evitaban el mantenimiento diferido; proteg\u00edan contra los pr\u00e9stamos abusivos; interven\u00edan en casos de impago hipotecario, frenando la espiral hacia la ejecuci\u00f3n hipotecaria.<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261343f7b7&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261343f7b7\" class=\"wp-block-image alignleft size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"226\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1-300x226.jpg\" alt=\"Ciclo econ&#xF3;mico\" class=\"wp-image-20749\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1-300x226.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Business-cycle-1.jpg 444w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Al menos, esa era la promesa. Los CLT llevaban defendiendo desde principios de los a\u00f1os 80 que eran m\u00e1s eficaces a la hora de mantener la asequibilidad cuando los mercados estaban al alza. En 2008, los defensores de los CLT argumentaban que estas tambi\u00e9n son eficaces para evitar el mantenimiento diferido y reducir las ejecuciones hipotecarias cuando los mercados est\u00e1n a la baja. A esta capacidad dual que muestran los CLT y otras formas de propiedad compartida se la sol\u00eda llamar \u00abgesti\u00f3n antic\u00edclica\u00bb.<\/p>\n\n<p class=\"wp-block-paragraph\">A partir de 2003, empezaron a aparecer una serie de evaluaciones basadas en datos que analizaban en profundidad si esas afirmaciones eran ciertas. En estos estudios destacaban dos cuestiones: \u00bfConsiguen los fideicomisos comunitarios de tierras mantener la asequibilidad para las familias con bajos ingresos que esperan comprar una vivienda del CLT en el futuro, al tiempo que ofrecen a las familias que deciden vender sus viviendas del CLT una rentabilidad justa y la oportunidad de generar patrimonio? \u00bfMejoran los CLT la seguridad de los propietarios con bajos ingresos, reduciendo la incidencia de las ejecuciones hipotecarias, y permiten al mismo tiempo la movilidad a los propietarios que quieran salir del CLT?<\/p>\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613440217&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613440217\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"225\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations-300x225.jpg\" alt=\"Evaluaciones de los CLT\" class=\"wp-image-20750\" style=\"width:150px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations-300x225.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/CLT-evaluations.jpg 720w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n<p class=\"wp-block-paragraph\">Estos estudios respondieron que s\u00ed, aportando por primera vez datos concretos de que el enfoque espec\u00edfico en la gesti\u00f3n posterior a la compra de las viviendas ocupadas por sus propietarios, adoptado por muchos CLT, estaba dando resultados. Las viviendas de los CLT ten\u00edan menos probabilidades de perderse con el tiempo. Eso se demostr\u00f3 cierto cuando los mercados al alza amenazaban la asequibilidad. Eso se confirm\u00f3 cuando los mercados en recesi\u00f3n amenazaban la seguridad de la tenencia. Incluso durante la crisis hipotecaria de la Gran Recesi\u00f3n, que empez\u00f3 en 2008, los propietarios de viviendas de los CLT tuvieron muchos menos impagos y ejecuciones hipotecarias, en comparaci\u00f3n con los p\u00e9simos resultados de los propietarios con hipotecas convencionales para viviendas a precio de mercado. El \u00e9xito documentado del modelo, que demostraba que la gesti\u00f3n responsable funciona, ayud\u00f3 a que el movimiento creciera.<\/p>\n\n<div class=\"wp-block-group has-palette-color-6-background-color has-background is-layout-constrained wp-container-core-group-is-layout-3493ed78 wp-block-group-is-layout-constrained\" style=\"border-radius:10px;margin-top:48px;padding-top:28px;padding-right:28px;padding-bottom:28px;padding-left:28px\">\n<h2 id=\"h-further-reading\" class=\"wp-block-heading\" style=\"margin-top:0\">M\u00e1s informaci\u00f3n<\/h2>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613440f14&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613440f14\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"235\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg\" alt=\"Portada de &#xAB;Shared Equity Homeownership&#xBB; (Propiedad compartida), 2006\" class=\"wp-image-20753\" style=\"width:124px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-235x300.jpg 235w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-802x1024.jpg 802w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-768x981.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1203x1536.jpg 1203w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-1604x2048.jpg 1604w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cover-of-Shared-Equity-Homeownership-2006-1-scaled.jpg 2005w\" sizes=\"auto, (max-width: 235px) 100vw, 235px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Miriam Axel-Lute, <em>\u00abLa propiedad de la vivienda hoy y ma\u00f1ana: c\u00f3mo generar patrimonio sin perder la asequibilidad<\/em>\u00bb, (Washington D. C.: Cornerstone Partnership, 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u00abM\u00e1s que dinero: \u00bfqu\u00e9 se <em>comparte<\/em> en la propiedad con capital compartido?\u00bb, <em>Journal of Affordable Housing &amp; Community Development Law<\/em> (primavera\/verano de 2010).<\/li>\n\n\n\n<li>John Emmeus Davis, \u00abViviendas que perduran: argumentos a favor de una gesti\u00f3n antic\u00edclica\u00bb, <em>Shelterforce<\/em> (invierno de 2008).<\/li>\n\n\n\n<li>John Emmeus Davis, <em>\u00abPropiedad con capital compartido: el panorama cambiante de las viviendas con restricciones de reventa y ocupadas por sus propietarios<\/em> \u00bb (Montclair, Nueva Jersey: National Housing Institute, 2006).<\/li>\n\n\n\n<li>John Emmeus Davis y Alice Stokes, <em>\u00abTerrenos en fideicomiso, viviendas que perduran\u00bb (<\/em>Burlington, VT: Champlain Housing Trust, 2010).<\/li>\n\n\n\n<li>Rick Jacobus, \u00abLo mejor de ambos mundos\u00bb, <em>Shelterforce<\/em> (2010).<\/li>\n\n\n\n<li>Kenneth Temkin, Brett Theodos y David Price, <em>\u00abEquilibrar la asequibilidad y las oportunidades: una evaluaci\u00f3n de los programas de acceso a la vivienda asequible con controles de asequibilidad a largo plazo<\/em> \u00bb (Washington, D. C.: The Urban Institute, 2010).<\/li>\n\n\n\n<li>Emily Thaden, <em>\u00abSuperando al mercado: c\u00f3mo entender las bajas tasas de morosidad y ejecuciones hipotecarias en los fideicomisos comunitarios de tierras<\/em> \u00bb (Portland, Oreg\u00f3n: National CLT Network, 2010).<\/li>\n\n\n\n<li>Emily Thaden, <em>\u00abPropiedad de vivienda estable en una econom\u00eda turbulenta: las morosidades y ejecuciones hipotecarias siguen siendo bajas en los fideicomisos comunitarios de tierras<\/em> \u00bb (Cambridge, MA: Lincoln Institute of Land Policy, 2011).<\/li>\n<\/ul>\n\n\n\n<h2 id=\"h-external-links\" class=\"wp-block-heading\">Enlaces externos<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"87\" height=\"119\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NHI-logo.jpg\" alt=\"Logotipo del NHI\" class=\"wp-image-21093\" style=\"width:87px;height:auto\"\/><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af261344192b&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af261344192b\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"97\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-300x97.jpg\" alt=\"NCB Cornerstone 4c\" class=\"wp-image-21094\" style=\"width:142px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-300x97.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1024x331.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-768x248.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo-1536x497.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/Cornerstone-Partnership-logo.jpg 1800w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6af2613441e8f&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6af2613441e8f\" class=\"wp-block-image alignright size-medium is-resized wp-lightbox-container\"><img loading=\"lazy\" decoding=\"async\" width=\"269\" height=\"300\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-269x300.jpg\" alt=\"Logotipo de la NCLTN\" class=\"wp-image-20708\" style=\"width:70px;height:auto\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-269x300.jpg 269w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-919x1024.jpg 919w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo-768x855.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/NCLTN-logo.jpg 1106w\" sizes=\"auto, (max-width: 269px) 100vw, 269px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<ul id=\"block-70\" class=\"wp-block-list\">\n<li><a href=\"http:\/\/www.nhi.org\/\">Instituto Nacional de la Vivienda<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/www.cltnetwork.org\">Red Nacional de CLT<\/a><\/li>\n\n\n\n<li><a href=\"http:\/\/affordableownership.org\/\">Asociaci\u00f3n Cornerstone<\/a><\/li>\n<\/ul>\n\n\n\n<div id=\"themify_builder_content-67\" data-postid=\"67\" class=\"themify_builder_content themify_builder_content-67 themify_builder\">\n    <\/div>\n<\/div>\n\n<div class=\"wp-block-columns is-not-stacked-on-mobile is-layout-flex wp-container-core-columns-is-layout-35719fbe wp-block-columns-is-layout-flex\" style=\"margin-top:48px\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Anterior<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/intercambio-de-ideas\/\">\u2190 Polinizaci\u00f3n cruzada<\/a><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-palette-color-13-color has-text-color has-small-font-size wp-block-paragraph\">Siguiente<\/p>\n\n\n\n<p class=\"has-text-align-right wp-block-paragraph\" style=\"margin-top:0\"><a href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/sacando-dinero-del-arbol\/\">Sacudiendo el \u00e1rbol del dinero \u2192<\/a><\/p>\n<\/div>\n<\/div>\n\n<hr class=\"wp-block-separator has-text-color has-palette-color-5-color has-alpha-channel-opacity has-palette-color-5-background-color has-background is-style-wide\" style=\"margin-top:24px;margin-bottom:40px\"\/>\n\n<h2 id=\"h-more-from-from-model-to-movement\" class=\"wp-block-heading\">M\u00e1s de \u00abDe modelo a movimiento\u00bb<\/h2>\n\n<div class=\"wp-block-group gg-tiles is-layout-grid wp-container-core-group-is-layout-080b9d9d wp-block-group-is-layout-grid\"><style>.kt-info-box20775_t0{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0{height:auto;align-self:stretch;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t0.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t0 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:67.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t0 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t0 .kt-info-svg-icon-flip, .kt-info-box20775_t0 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t0 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t0 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t0 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t0 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t0 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t0 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t0\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/ice-sale-al-mercado\/\" aria-label=\"ICE Goes to Market\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg\" alt=\"\" width=\"300\" height=\"202\" class=\"kt-info-box-image wp-image-20688\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-300x202.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-1024x691.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market-768x518.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-ICE-Goes-to-Market.jpg 1283w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">ICE sale al mercado<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t1{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1{height:auto;align-self:stretch;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t1.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t1 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:90.3333%;width:300px;height:0px;max-width:100%;}.kt-info-box20775_t1 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t1 .kt-info-svg-icon-flip, .kt-info-box20775_t1 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t1 .kt-blocks-info-box-media{border-radius:6px;overflow:hidden;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:12px;margin-left:0px;}.kt-info-box20775_t1 .kt-infobox-textcontent h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);font-size:18px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:0px;margin-right:0px;margin-bottom:2px;margin-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover h3.kt-blocks-info-box-title{color:var(--theme-palette-color-4);}.kt-info-box20775_t1 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.wp-block-kadence-infobox.kt-info-box20775_t1 .kt-blocks-info-box-text{font-size:14px;line-height:1.5;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-text{color:var(--theme-palette-color-13);}.kt-info-box20775_t1 .kt-blocks-info-box-learnmore{background:transparent;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}@media all and (max-width: 1024px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}}@media all and (max-width: 1024px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t1 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t1\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/intercambio-de-ideas\/\" aria-label=\"Cross-Pollination\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg\" alt=\"\" width=\"300\" height=\"271\" class=\"kt-info-box-image wp-image-20705\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-300x271.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-1024x924.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1-768x693.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Cross-pollination-1.jpg 1114w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Intercambio de ideas<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t2{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2{height:auto;align-self:stretch;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--theme-palette-color-8);padding-top:10px;padding-right:10px;padding-bottom:16px;padding-left:10px;}.kt-info-box20775_t2 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;background:var(--theme-palette-color-8);}.kt-info-box20775_t2.wp-block-kadence-infobox{max-width:100%;}.kt-info-box20775_t2 .kadence-info-box-image-inner-intrisic-container .kadence-info-box-image-intrisic{padding-bottom:113.6364%;width:264px;height:0px;max-width:100%;}.kt-info-box20775_t2 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box20775_t2 .kt-info-svg-icon-flip, .kt-info-box20775_t2 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box20775_t2 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class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg\" alt=\"\" width=\"264\" height=\"300\" class=\"kt-info-box-image wp-image-21096\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-264x300.jpg 264w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-901x1024.jpg 901w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-768x873.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree-1352x1536.jpg 1352w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-Money-Tree.jpg 1394w\" sizes=\"auto, (max-width: 264px) 100vw, 264px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Sacando dinero del \u00e1rbol<\/h3><\/div><\/a><\/div>\n\n\n<style>.kt-info-box20775_t3{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3{height:auto;align-self:stretch;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{height:100%;}.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid 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transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}@media all and (max-width: 767px){.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 2px 8px 0px rgba(15, 23, 42, 0.14);}.kt-info-box20775_t3 .kt-blocks-info-box-link-wrap:hover{border-top:0px solid transparent;border-right:0px solid transparent;border-bottom:0px solid transparent;border-left:0px solid transparent;box-shadow:0px 12px 24px 0px rgba(15, 23, 42, 0.3);}}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box20775_t3\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/del-modelo-al-movimiento\/la-conexion-con-la-ciudad\/\" aria-label=\"The City Connection\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg\" alt=\"\" width=\"300\" height=\"212\" class=\"kt-info-box-image wp-image-21108\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-300x212.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1024x725.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-768x544.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-The-City-Connection-1536x1088.jpg 1536w, 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class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic-container\"><div class=\"kadence-info-box-image-intrisic kt-info-animate-none\"><div class=\"kadence-info-box-image-inner-intrisic\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg\" alt=\"\" width=\"300\" height=\"235\" class=\"kt-info-box-image wp-image-21138\" srcset=\"https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-300x235.jpg 300w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1024x802.jpg 1024w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-768x602.jpg 768w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out-1536x1204.jpg 1536w, https:\/\/www.cltweb.org\/wp-content\/uploads\/2026\/11\/BAcker-Branching-Out.jpg 1571w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/div><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h3 class=\"kt-blocks-info-box-title\">Diversificaci\u00f3n<\/h3><\/div><\/a><\/div>\n<\/div>\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\" style=\"margin-top:32px\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.cltweb.org\/es\/biblioteca-de-recursos\/las-raices-del-movimiento-clt\/\">De vuelta a los or\u00edgenes del movimiento CLT<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La Gu\u00eda del jardinero \u00b7 Parte 4 \u00b7 Cap\u00edtulo 3 de 6 El nicho de la propiedad de la vivienda Compitiendo con otras organizaciones por financiamiento, terrenos y p\u00fablico, los 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