{"id":159947,"date":"2026-01-29T16:43:47","date_gmt":"2026-01-29T22:43:47","guid":{"rendered":"https:\/\/centrourbano.com\/revista\/?p=159947"},"modified":"2026-01-29T16:43:47","modified_gmt":"2026-01-29T22:43:47","slug":"credito-hipotecario-banca-reduce-colocacion","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/vivienda\/credito-hipotecario-banca-reduce-colocacion\/","title":{"rendered":"Cr\u00e9dito hipotecario: banca reduce colocaci\u00f3n, pero aumenta montos de pr\u00e9stamo"},"content":{"rendered":"

Margain destac\u00f3 que el reto de la banca es atender a todo tipo de econom\u00edas, lo que podr\u00eda impulsar la colocaci\u00f3n de cr\u00e9dito hipotecario<\/em><\/p>\n

En los \u00faltimos a\u00f1os, la colocaci\u00f3n de cr\u00e9dito hipotecario ha mostrado una contracci\u00f3n paulatina. De tal modo, en 2024 y 2025 se registr\u00f3 una diferencia marginal en la colocaci\u00f3n<\/strong>; no obstante, el monto del pr\u00e9stamo ha aumentado<\/strong>, impulsado por la inflaci\u00f3n y el encarecimiento de la vivienda en el pa\u00eds.<\/p>\n

Enrique Margain Pitman, director ejecutivo de Cr\u00e9dito Puente e Hipotecario de Banca Mifel<\/a>, inform\u00f3 que actualmente el portafolio hipotecario nacional tiene un valor de 3.7 billones de pesos<\/strong>. De este total, los principales colocadores de financiamiento son instituciones como Infonavit y Fovissste, seguidas por la banca comercial.<\/p>\n

Asimismo, detall\u00f3 que el portafolio de la banca comercial asciende a 1.5 billones de pesos<\/strong>, lo que representa alrededor de 1,250,000 cr\u00e9ditos hipotecarios. Este segmento equivale al 20% del portafolio total de la banca<\/strong>, cifras que consolidan su relevancia en el mercado.<\/p>\n

Se\u00f1al\u00f3 que, mientras los organismos p\u00fablicos se orientan a la adquisici\u00f3n de vivienda de inter\u00e9s social y econ\u00f3mica, los bancos se enfocan en la vivienda media, residencial y vacacional. Por ello, los productos hipotecarios mantienen una relaci\u00f3n de complementariedad<\/strong>. Sin embargo, subray\u00f3 la necesidad de que el sector implemente estrategias para ampliar su p\u00fablico objetivo.<\/strong><\/p>\n

Banca contrae colocaci\u00f3n de cr\u00e9dito hipotecario<\/h2>\n

Desde 2008, la colocaci\u00f3n hipotecaria ha mantenido una tendencia a la baja, al pasar de cerca de 770,000 cr\u00e9ditos a alrededor de 530,000 financiamientos<\/strong>. Margain Pitman atribuy\u00f3 esta contracci\u00f3n a la desaparici\u00f3n de las sofoles, las cuales ampliaban el alcance del sector.<\/p>\n

\u201cAnteriormente estaban lo que eran las sofoles que atend\u00edan un mercado que hoy d\u00eda todav\u00eda no est\u00e1 del todo cubierto, que son todas estas personas no afiliadas a un programa de vivienda, que no cotizan al IMSS o al Issste, no participan con el Infonavit con Fovissste y que la banca comercial no les da un cr\u00e9dito hipotecario\u201d, se\u00f1al\u00f3.<\/p><\/blockquote>\n

En ese contexto, detall\u00f3 que, de enero a octubre de 2025, pr\u00e1cticamente se alcanz\u00f3 la misma colocaci\u00f3n que en el mismo periodo de 2024<\/strong>: 422,000 hipotecas entre el Infonavit, Fovissste y la banca. No obstante, el monto del pr\u00e9stamo aument\u00f3 6.2%,<\/strong> en l\u00ednea con el ritmo de la inflaci\u00f3n, que se ubic\u00f3 en 6.1%.<\/p>\n

Indic\u00f3 que el cr\u00e9dito hipotecario promedio es de 1,149,000 pesos, mientras que el monto otorgado por la banca comercial aument\u00f3 a 2.4 millones de pesos <\/strong>(mdp). Esto deja claro el panorama: menos cr\u00e9ditos, pero con mayores montos<\/strong>.<\/p>\n

\u201c\u00bfC\u00f3mo se comporta la banca? Pr\u00e1cticamente menos cr\u00e9ditos con un cr\u00e9dito promedio mayor, pero un cr\u00e9dito promedio que ya pr\u00e1cticamente crece al ritmo de la inflaci\u00f3n ya viene creciendo a tasas decrecientes\u201d, platic\u00f3.<\/p><\/blockquote>\n

Asimismo, destac\u00f3 que el \u00faltimo bimestre del a\u00f1o present\u00f3 un panorama similar al cierre de 2024<\/strong>, con una colocaci\u00f3n cercana a los 114,000 cr\u00e9ditos, por un importe de entre 275,000 y 280,000 mdp.<\/p>\n

\u201cUna colocaci\u00f3n muy en l\u00ednea a 2024. \u00bfQu\u00e9 quiere decir? Que pr\u00e1cticamente no crecemos en t\u00e9rminos de la colocaci\u00f3n hipotecaria bancaria\u201d, afirm\u00f3.<\/p><\/blockquote>\n

El reto de atender a la econom\u00eda mixta<\/h2>\n

En ese contexto, Enrique Margain destac\u00f3 que el principal reto del sector es hacer el cr\u00e9dito hipotecario m\u00e1s accesible para un mayor n\u00famero de personas<\/strong>. Por ello, consider\u00f3 fundamental crear nuevas estrategias y productos que atiendan a la econom\u00eda mixta<\/strong>.<\/p>\n

\u201cEl gran reto hacia adelante est\u00e1 en funci\u00f3n de c\u00f3mo incorporamos a una gran parte de la poblaci\u00f3n econ\u00f3micamente activa que no participa o que no tiene acceso al cr\u00e9dito, como todo este segmento de la econom\u00eda mixta que no pueden comprobar la totalidad de los ingresos\u201d, apunt\u00f3.<\/p><\/blockquote>\n

Al respecto, el especialista indic\u00f3 que la banca comercial ya busca desarrollar planes que integren a todo tipo de econom\u00edas<\/strong>, con el objetivo de incrementar la colocaci\u00f3n hipotecaria y ampliar las oportunidades de adquisici\u00f3n de vivienda mediante este financiamiento.<\/p>\n

\u201cUna de las acciones que estamos haciendo en los bancos es tratar de tener modelos de inferencia, ingresos dentro de nuestros propios motores de cr\u00e9dito, que les permita de alguna manera con data alternativa construirlos y poderle dar m\u00e1s dar cr\u00e9dito a las personas que no han tenido acceso\u201d, indic\u00f3.<\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"

Margain destac\u00f3 que el reto de la banca es atender a todo tipo de econom\u00edas, lo que podr\u00eda impulsar la colocaci\u00f3n de cr\u00e9dito hipotecario<\/p>\n","protected":false},"author":88,"featured_media":159949,"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":[2136,17473,2135,155,100],"class_list":["post-159947","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-banca-comercial","tag-colocacion-hipotecaria","tag-credito-hipotecario","tag-fovissste","tag-infonavit"],"yoast_head":"\nCr\u00e9dito hipotecario: banca reduce colocaci\u00f3n, pero aumenta montos de pr\u00e9stamo<\/title>\n<meta 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