{"id":147443,"date":"2024-04-04T15:11:49","date_gmt":"2024-04-04T21:11:49","guid":{"rendered":"https:\/\/centrourbano.com\/?p=147443"},"modified":"2024-04-04T15:11:49","modified_gmt":"2024-04-04T21:11:49","slug":"credito-hipotecario-colocacion-bbva","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/vivienda\/credito-hipotecario-colocacion-bbva\/","title":{"rendered":"Cr\u00e9dito hipotecario bancario disminuye 12.5 en colocaci\u00f3n: BBVA"},"content":{"rendered":"<p><em>\u00a0<\/em><em>Los expertos se\u00f1alaron que el acceso al <\/em><em>cr\u00e9dito hipotecario se dificulta debido a que <\/em><em>el aumento del costo de la vivienda no es proporcional al incremento en el ingreso de los trabajadores<\/em><!--more--><\/p>\n<p><span style=\"font-weight: 400;\">El informe \u2018Situaci\u00f3n Inmobiliaria\u2019 de <a href=\"https:\/\/www.bbva.mx\/?cid=sem::gsa:00002041-sembrand-bri-:marca_bbva-perf-:::bbva:b:::respon:::&amp;gclsrc=aw.ds&amp;gad_source=1&amp;gclid=Cj0KCQjwn7mwBhCiARIsAGoxjaJ1vpKs13T96txKHhEj4hrucck_HmmSKBFd_Lv47vk6uogPQJJs99caAvNbEALw_wcB\" target=\"_blank\" rel=\"noopener\">BBVA M\u00e9xico<\/a> arroj\u00f3 que, durante el 2023, el<\/span><b> mercado de la vivienda se contrajo<\/b><span style=\"font-weight: 400;\">, presentando una <\/span><b>disminuci\u00f3n del 0.9% en el n\u00famero de cr\u00e9ditos hipotecarios colocados<\/b><span style=\"font-weight: 400;\"> y 5.4% en el monto de financiamiento, cifras consideradas hasta noviembre del 2023.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Durante la presentaci\u00f3n del estudio, los economistas del banco se\u00f1alaron que, en cuesti\u00f3n del <\/span><b>cr\u00e9dito hipotecario originado por la banca comercial present\u00f3 una disminuci\u00f3n de 12.5%<\/b><span style=\"font-weight: 400;\"> en n\u00famero de pr\u00e9stamos y <\/span><b>10.8% en monto<\/b><span style=\"font-weight: 400;\">, de acuerdo con datos de enero a noviembre del a\u00f1o pasado.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En ese sentido, Marissa Gonz\u00e1lez Guzm\u00e1n, economista senior de BBVA M\u00e9xico, se\u00f1al\u00f3 que la <\/span><b>contracci\u00f3n del mercado no se debe a un deterioro del sector<\/b><span style=\"font-weight: 400;\">, m\u00e1s bien se debe a que en a\u00f1os anteriores, todav\u00eda durante la pandemia por Covid-19, un gran n\u00famero de familias \u201cse adelantaron en la compra de vivienda\u201d.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acerca de la distribuci\u00f3n de los cr\u00e9ditos, la economista resalt\u00f3 que la <\/span><b>originaci\u00f3n <\/b><span style=\"font-weight: 400;\">se concentr\u00f3 en tres de las zonas metropolitanas del pa\u00eds, <\/span><b>Guadalajara, Monterrey y Ciudad de M\u00e9xico, sumaron el 47% del monto total nacional<\/b><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sin embargo, la contracci\u00f3n del mercado se present\u00f3 en todos los estados, excepto <\/span><b>Quintana Roo<\/b><span style=\"font-weight: 400;\">, entidad que present\u00f3 un <\/span><b>incremento en el cr\u00e9dito hipotecario de 5.0% y en monto hipotecario por 10.4%<\/b><span style=\"font-weight: 400;\">, en comparaci\u00f3n con el 2022.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En cuanto a la afectaci\u00f3n a los subsectores de la vivienda, Gonz\u00e1lez Guzm\u00e1n resalt\u00f3 que, la ca\u00edda en la colocaci\u00f3n de cr\u00e9dito hipotecario<\/span><b>\u00a0afect\u00f3 principalmente a la vivienda de inter\u00e9s social con una disminuci\u00f3n del 41.7%<\/b><span style=\"font-weight: 400;\">; mientras que la residencial, se coloca en el mejor puesto de colocaci\u00f3n.\u00a0<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Aumento en el precio de la vivienda vs cr\u00e9dito hipotecario<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Por otro lado, Marissa Gonz\u00e1lez Guzm\u00e1n indic\u00f3 que, durante el 2023, el <\/span><b>precio de la vivienda aument\u00f3 10.9% con un precio promedio de 1,617,000 pesos<\/b><span style=\"font-weight: 400;\">. Al respecto, la especialista afirm\u00f3 que la contracci\u00f3n del sector puede deberse, en parte, a que el<\/span><b> costo de la vivienda aumenta m\u00e1s que los ingresos de los trabajadores<\/b><span style=\"font-weight: 400;\">, dificultando el acceso a un cr\u00e9dito hipotecario.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La economista detall\u00f3 que, los <\/span><b>precios de la vivienda, entre 2017 y 2023, aumentaron 9.7%<\/b><span style=\"font-weight: 400;\"> anual. Mientras que, el ingreso real de los asegurados con<\/span><b> ingresos menores a tres Unidad de Medida y Actualizaci\u00f3n<\/b><span style=\"font-weight: 400;\"> (UMAs) <\/span><b>aumentaron 4% anual;<\/b><span style=\"font-weight: 400;\"> y, el ingreso real promedio de los trabajadores entre tres y seis UMAs y de <\/span><b>m\u00e1s de 6 UMAs, bajaron 0.6% <\/b><span style=\"font-weight: 400;\">anual.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En relaci\u00f3n con ello, Carlos Serrano Herrera, economista jefe de <a href=\"https:\/\/centrourbano.com\/?s=bbva\" target=\"_blank\" rel=\"noopener\">BBVA M\u00e9xico<\/a>, resalt\u00f3 que es necesario que el pa\u00eds cuente con una <\/span><b>pol\u00edtica de vivienda <\/b><span style=\"font-weight: 400;\">que <\/span><b>incentive la construcci\u00f3n de vivienda asequible, con precios competitivos<\/b><span style=\"font-weight: 400;\">, de calidad y cerca de los centros de trabajo.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finalmente, Gonz\u00e1lez Guzm\u00e1n indic\u00f3 que, debido a la estabilidad de las tasas de inter\u00e9s y la demanda de vivienda, se espera que el cr\u00e9dito hipotecario presente una<\/span><b> recuperaci\u00f3n del 2.4% en el n\u00famero de financiamientos y 4% en el monto de cr\u00e9dito<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00a0Los expertos se\u00f1alaron que el acceso al cr\u00e9dito hipotecario se dificulta debido a que el aumento del costo de la vivienda no es proporcional al incremento en el ingreso de los trabajadores<\/p>\n","protected":false},"author":88,"featured_media":147448,"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":[18266,2135,19559,196,1740],"class_list":["post-147443","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-bbva-mexico","tag-credito-hipotecario","tag-precio-de-la-vivienda","tag-vivienda-de-interes-social","tag-vivienda-residencial"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dito hipotecario bancario disminuye 12.5 en colocaci\u00f3n: BBVA -<\/title>\n<meta name=\"description\" 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