{"id":143588,"date":"2023-10-18T17:54:24","date_gmt":"2023-10-18T23:54:24","guid":{"rendered":"https:\/\/centrourbano.com\/?p=143588"},"modified":"2023-10-19T01:55:18","modified_gmt":"2023-10-19T07:55:18","slug":"colocacion-creditos-1s2023","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/vivienda\/colocacion-creditos-1s2023\/","title":{"rendered":"Colocaci\u00f3n de cr\u00e9ditos hipotecarios cae 15.5% en el 1S2023: BBVA"},"content":{"rendered":"<p><em>Expertos indicaron que la demanda de cr\u00e9ditos no crece porque, aunque existe la intenci\u00f3n de adquirir una vivienda, los ingresos de los mexicanos no son suficientes <\/em><!--more--><\/p>\n<p>De acuerdo con el \u00faltimo informe \u2018<strong>Situaci\u00f3n Inmobiliaria M\u00e9xico<\/strong>\u2019 de BBVA Research, durante el primer semestre de 2023 (1S2023), la banca comercial otorg\u00f3 <strong>61,600 cr\u00e9ditos hipotecarios<\/strong>, lo que significa una ca\u00edda de 15.5% frente a los casi 73,000 cr\u00e9ditos colocados en el 1S2022.<\/p>\n<p>En tanto, el <strong>monto real colocado<\/strong> pas\u00f3 de 150,600 millones de pesos (mdp) en el 1S2022 a 131,700 mdp en el mismo periodo de 2023, lo que representa una disminuci\u00f3n de 12.6 por ciento.<\/p>\n<p>Sin embargo, ya que la disminuci\u00f3n fue mayor en el n\u00famero de cr\u00e9ditos otorgados que en el monto, <a href=\"https:\/\/www.bbvaresearch.com\/\" target=\"_blank\" rel=\"noopener\">BBVA<\/a> registr\u00f3 un crecimiento en el <strong>monto promedio de la banca<\/strong>, que alcanz\u00f3 los 2 millones 137,000 pesos al cierre del 1S2023; es decir, 3.4% m\u00e1s que el monto promedio del mismo periodo del a\u00f1o pasado.<\/p>\n<p>Con respecto a los organismos p\u00fablicos de vivienda, el informe de BBVA destaca que en el <strong>Fondo de la Vivienda del ISSSTE<\/strong> (<strong>Fovissste<\/strong>) se observ\u00f3 una disminuci\u00f3n de 37.2% en el n\u00famero de cr\u00e9ditos otorgados durante el 1S2023, y de 41.4% en el monto; adem\u00e1s de que la hipoteca promedio cerr\u00f3 el semestre en 786,000 pesos, una contracci\u00f3n de 6.7% anual.<\/p>\n<p>Por su parte, el <strong>Instituto del Fondo Nacional de la Vivienda para los Trabajadores<\/strong> (<strong>Infonavit<\/strong>) report\u00f3 un crecimiento de 5% en el n\u00famero de cr\u00e9ditos otorgados y de 11% en el monto total; mientras que el monto promedio de los cr\u00e9ditos se coloc\u00f3 en 549,000 pesos, lo que muestra un crecimiento de 5.7% frente al 1S2022.<\/p>\n<p>De esta manera, el <strong>mercado hipotecario en general<\/strong> disminuy\u00f3 \u00fanicamente 4.1% en n\u00famero de cr\u00e9ditos, pero 8.6% en el monto colocado.<\/p>\n<a href=\"https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023.jpg\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-143590 \" src=\"https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023.jpg\" alt=\"\" width=\"701\" height=\"437\" srcset=\"https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023.jpg 1052w, https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023-300x187.jpg 300w, https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023-1000x624.jpg 1000w, https:\/\/centrourbano.com\/revista\/wp-content\/uploads\/credito-hipotecario-1S2023-768x479.jpg 768w\" sizes=\"auto, (max-width: 701px) 100vw, 701px\" \/><\/a>\n<p>&nbsp;<\/p>\n<p>\u201cDespu\u00e9s de terminar la primera mitad de 2023, continuamos en la parte de baja del ciclo econ\u00f3mico de la vivienda, ya que observamos un retroceso en la colocaci\u00f3n de cr\u00e9ditos hipotecarios de la <strong>banca comercial<\/strong>, as\u00ed como del <strong>Fovissste<\/strong>; mientras que la incipiente recuperaci\u00f3n del <strong>Infonavit<\/strong> no alcanza para hacer que el sector se encuentre al alza al compararlo con el primer semestre de 2022\u201d, se\u00f1ala el informe del banco.<\/p>\n<p>Lo anterior, de acuerdo con analistas del banco, se le atribuye a un <strong>problema de demanda<\/strong>, pues la oferta de cr\u00e9dito hipotecario, tanto de la banca como de las instituciones p\u00fablicas, no ha variado en el \u00faltimo a\u00f1o.<\/p>\n<p>Asimismo, el documento menciona que durante el 1S2023 hubo un crecimiento en el empleo formal, los salarios promedio y en la confianza del consumidor respecto a invertir en vivienda; adem\u00e1s de que las tasas de inter\u00e9s crecieron a un menor ritmo que las tasas de corto plazo y la apreciaci\u00f3n de la vivienda se mantiene firme. Sin embargo, <strong>la demanda de cr\u00e9dito hipotecario no crece<\/strong>, pues, a pesar de que s\u00ed se observa la intenci\u00f3n de adquirir una vivienda, los ingresos de los mexicanos no son suficientes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Expertos indicaron que la demanda de cr\u00e9ditos no crece porque, aunque existe la intenci\u00f3n de adquirir una vivienda, los ingresos de los mexicanos no son suficientes<\/p>\n","protected":false},"author":73,"featured_media":143589,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[12],"tags":[23295,2136,853,2135,155,100,60],"class_list":["post-143588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-1s2023","tag-banca-comercial","tag-bbva-research","tag-credito-hipotecario","tag-fovissste","tag-infonavit","tag-vivienda-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Colocaci\u00f3n de cr\u00e9ditos hipotecarios cae 15.5% en el 1S2023: BBVA -<\/title>\n<meta name=\"description\" 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