{"id":164015,"date":"2026-09-09T10:25:25","date_gmt":"2026-09-09T16:25:25","guid":{"rendered":"https:\/\/centrourbano.com\/revista\/?p=164015"},"modified":"2026-09-09T10:25:25","modified_gmt":"2026-09-09T16:25:25","slug":"futuro-credito-vivienda","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/opinion\/futuro-credito-vivienda\/","title":{"rendered":"\u00bfQu\u00e9 futuro hay para el cr\u00e9dito a la vivienda?"},"content":{"rendered":"

S<\/span>i la\u00a0<\/span>pregunta<\/span>\u00a0es: \u00bf<\/span>Qu\u00e9<\/span>\u00a0<\/span>futuro<\/span>\u00a0hay para el\u00a0<\/span>cr\u00e9dito<\/span>\u00a0a la\u00a0<\/span>vivienda<\/span>? M\u00e1s\u00a0<\/span>nos<\/span>\u00a0vale\u00a0<\/span>entender<\/span>\u00a0<\/span>que<\/span>\u00a0las\u00a0<\/span>respuestas<\/span>\u00a0<\/span>est\u00e1n<\/span>\u00a0<\/span>en<\/span>\u00a0la\u00a0<\/span>capacidad<\/span>\u00a0de\u00a0<\/span>generar<\/span>\u00a0<\/span>condiciones<\/span>\u00a0<\/span>que<\/span>\u00a0<\/span>permitan<\/span>\u00a0<\/span>fortalecer<\/span>\u00a0la\u00a0<\/span>oferta<\/span>. Es simple, sin\u00a0<\/span>viviendas<\/span>\u00a0<\/span>los<\/span>\u00a0<\/span>precios<\/span>\u00a0<\/span>suben<\/span>\u00a0y con\u00a0<\/span>ellos<\/span>\u00a0<\/span>los<\/span>\u00a0<\/span>cr\u00e9ditos<\/span>\u00a0<\/span>hipotecarios<\/span>\u00a0<\/span>promedio<\/span><\/span>\u00a0<\/span><\/em><\/p>\n

Por Horacio Urbano<\/span><\/span>\u00a0<\/span><\/em><\/p>\n

Buena noticia. El cr\u00e9dito hipotecario mantiene una tendencia muy positiva, que, sin embargo, vale la pena analizar desde diferentes aspectos para entender su alcance como motor de la econom\u00eda, pero, sobre todo, por lo que puede representar como factor de orden urbano y desarrollo social.<\/span>\u00a0<\/span><\/p>\n

El\u00a0caso\u00a0es\u00a0que\u00a0s\u00ed, se\u00a0mantiene\u00a0una\u00a0tendencia\u00a0positiva\u00a0que\u00a0hay\u00a0que\u00a0entender\u00a0como\u00a0un\u00a0crecimiento\u00a0m\u00e1s\u00a0que\u00a0evidente\u00a0en\u00a0el\u00a0monto\u00a0de\u00a0inversi\u00f3n,\u00a0que, sin embargo,\u00a0supera\u00a0claramente\u00a0al del\u00a0crecimiento\u00a0del\u00a0n\u00famero\u00a0de\u00a0operaciones, lo\u00a0que\u00a0en\u00a0ef\u00edmeras\u00a0palabras\u00a0podemos\u00a0sintetizar\u00a0diciendo\u00a0que\u00a0se\u00a0otorgan\u00a0menos\u00a0cr\u00e9ditos,\u00a0pero\u00a0de mayor valor.<\/span>\u00a0<\/span><\/p>\n

Y\u00a0aqu\u00ed\u00a0es\u00a0donde\u00a0yo\u00a0pregunto: \u00bfya\u00a0vieron\u00a0el ticket\u00a0promedio\u00a0de\u00a0los\u00a0cr\u00e9ditos\u00a0hipotecarios\u00a0que\u00a0se\u00a0est\u00e1n\u00a0otorgando\u00a0en\u00a0M\u00e9xico?<\/span>\u00a0<\/span><\/p>\n

Pues\u00a0d\u00e9jenme\u00a0les\u00a0digo\u00a0que,\u00a0recuperando\u00a0datos\u00a0de la\u00a0mism\u00edsima\u00a0Asociaci\u00f3n\u00a0de Bancos de M\u00e9xico, y\u00a0considerando\u00a0los\u00a0seis primeros meses de\u00a0este\u00a02026,\u00a0nos\u00a0encontramos\u00a0con\u00a0que\u00a0el\u00a0promedio\u00a0general,\u00a0considerando\u00a0la\u00a0suma\u00a0de\u00a0bancos\u00a0y\u00a0organismos\u00a0p\u00fablicos, se\u00a0ubica\u00a0ya\u00a0muy\u00a0cerca\u00a0de 1\u00a0mill\u00f3n\u00a0200,000 pesos, con un\u00a0desglose\u00a0que\u00a0nos\u00a0dice\u00a0que\u00a0el del\u00a0Infonavit, de\u00a0<\/span>Octavio Romero<\/span><\/b>,\u00a0est\u00e1\u00a0casi\u00a0en\u00a0800,000 pesos, el del\u00a0Fovissste, de\u00a0<\/span>Jabnely\u00a0Maldonado<\/span><\/b>,\u00a0en\u00a01\u00a0mill\u00f3n\u00a0150,000 pesos, y el de la banca,\u00a0en\u00a0ya\u00a0poco\u00a0m\u00e1s\u00a0de 2\u00a0millones\u00a0500,000 pesos.<\/span>\u00a0<\/span><\/p>\n

Los\u00a0n\u00fameros\u00a0del primer\u00a0semestre\u00a0de\u00a0bancos,\u00a0Infonavit\u00a0y\u00a0Fovissste,\u00a0establecen\u00a0una\u00a0colocaci\u00f3n\u00a0de\u00a0hipotecas\u00a0que\u00a0en\u00a0n\u00famero\u00a0de\u00a0operaciones\u00a0se\u00a0sit\u00faa\u00a0en\u00a0m\u00e1s\u00a0de 243,000, lo\u00a0que\u00a0representa\u00a02.6% de\u00a0crecimiento\u00a0respecto\u00a0al\u00a0mismo\u00a0periodo\u00a0del\u00a0a\u00f1o\u00a0anterior, y\u00a0esto\u00a0se traduce\u00a0en\u00a0un\u00a0monto\u00a0de\u00a0inversi\u00f3n\u00a0de\u00a0m\u00e1s\u00a0de 291,000\u00a0millones\u00a0de pesos,\u00a0que\u00a0nos\u00a0hablan\u00a0de un\u00a0incremento\u00a0de 7.6%\u00a0respecto\u00a0al primer\u00a0semestre\u00a02025.\u00a0<\/span>\u00a0<\/span><\/p>\n

Repito:\u00a0menos\u00a0cr\u00e9ditos,\u00a0pero\u00a0de mayor valor.<\/span>\u00a0<\/span><\/p>\n

Para entender c\u00f3mo se forma esta tendencia, empecemos por decir que en ese primer semestre de este a\u00f1o, la banca formaliz\u00f3 53,400 cr\u00e9ditos hipotecarios, cifra que implica un retroceso de 1.9% respecto al mismo periodo del a\u00f1o anterior, peeeeero, si lo vemos en t\u00e9rminos de inversi\u00f3n, encontramos que est\u00e1 colocaci\u00f3n implic\u00f3 135,300 millones de pesos, lo que representa un incremento de 4.3% respecto al mismo periodo del 2025.<\/span>\u00a0<\/span><\/p>\n

Por\u00a0su\u00a0parte,\u00a0en\u00a0ese\u00a0mismo\u00a0periodo\u00a0el\u00a0Infonavit\u00a0otorg\u00f3\u00a0175,400\u00a0cr\u00e9ditos, con\u00a0una\u00a0inversi\u00f3n\u00a0de 139,300\u00a0millones\u00a0de pesos,\u00a0que\u00a0representan\u00a0crecimientos\u00a0de 3.8 y 9.6%,\u00a0respectivamente.<\/span>\u00a0<\/span><\/p>\n

Y\u00a0seguimos\u00a0en\u00a0lo\u00a0mismo:\u00a0menos\u00a0cr\u00e9ditos,\u00a0pero\u00a0de mayor valor.<\/span>\u00a0<\/span><\/p>\n

Y si vemos los datos del Fovissste, nos encontramos con que en ese mismo primer semestre 2026, esa tendencia se hace a\u00fan m\u00e1s evidente, con14,600 cr\u00e9ditos colocados, que en recursos representan 16,800 millones de pesos, que al margen de ser n\u00fameros muy peque\u00f1os comparados con los de la banca y el Infonavit, reflejan crecimientos de 5.3% en el n\u00famero de operaciones, y de un muy llamativo 19.9% en el monto de colocaci\u00f3n.<\/span>\u00a0<\/span><\/p>\n

Vaya\u00a0que\u00a0s\u00ed\u2026\u00a0Que\u00a0el\u00a0Fovissste\u00a0se\u00a0suma\u00a0alegremente\u00a0a la\u00a0tendencia\u00a0de\u00a0incrementos\u00a0en\u00a0el\u00a0cr\u00e9dito\u00a0promedio,\u00a0que\u00a0superan\u00a0por\u00a0mucho\u00a0a\u00a0los\u00a0del\u00a0n\u00famero\u00a0de\u00a0hipotecas\u00a0colocadas.<\/span>\u00a0<\/span><\/p>\n

Por\u00a0supuesto,\u00a0en\u00a0estos\u00a0n\u00fameros\u00a0a\u00fan\u00a0no se\u00a0refleja\u00a0el\u00a0impacto\u00a0de la Vivienda para el\u00a0Bienestar,\u00a0que\u00a0en\u00a0su\u00a0momento\u00a0seguramente\u00a0bajar\u00e1\u00a0el ticket\u00a0promedio\u00a0de\u00a0Infonavit\u00a0y\u00a0Fovissste,\u00a0pero\u00a0que\u00a0al\u00a0momento,\u00a0cuando\u00a0apenas\u00a0inicia\u00a0la\u00a0cosecha\u00a0de\u00a0viviendas\u00a0formalizadas\u00a0del\u00a0Infonavit, y\u00a0acaba\u00a0de\u00a0arrancar\u00a0la\u00a0operaci\u00f3n\u00a0del\u00a0Fovissste\u00a0en\u00a0este\u00a0programa, solo\u00a0cabe\u00a0pronosticar.<\/span>\u00a0<\/span><\/p>\n

Y\u00a0ojo,\u00a0que\u00a0en\u00a0alg\u00fan\u00a0momento, tambi\u00e9n\u00a0habr\u00e1\u00a0que\u00a0sumar\u00a0a\u00a0este\u00a0an\u00e1lisis\u00a0los\u00a0cr\u00e9ditos\u00a0que\u00a0otorga\u00a0la Comisi\u00f3n Nacional de Vivienda (Conavi),\u00a0que\u00a0dirige\u00a0<\/span>Rodrigo Ch\u00e1vez<\/span><\/b>,\u00a0como\u00a0parte\u00a0del\u00a0programa\u00a0Vivienda para el\u00a0Bienestar.<\/span>\u00a0<\/span><\/p>\n

Porque\u00a0atenci\u00f3n,\u00a0no\u00a0perdamos\u00a0de vista\u00a0que\u00a0ese\u00a0programa\u00a0de Vivienda para el\u00a0Bienestar,\u00a0tiene\u00a0una\u00a0meta\u00a0sexenal\u00a0de 1\u00a0mill\u00f3n\u00a0800,000\u00a0viviendas, con\u00a0precios\u00a0de\u00a0venta\u00a0de 600,000 pesos (precio\u00a02025,\u00a0que\u00a0anualmente\u00a0se\u00a0actualiza\u00a0con base\u00a0en\u00a0inflaci\u00f3n), y\u00a0que\u00a0esas\u00a0viviendas\u00a0se\u00a0vender\u00e1n\u00a0con\u00a0cr\u00e9ditos\u00a0sobre\u00a0la base de las\u00a0siguientes\u00a0cuotas: 1\u00a0mill\u00f3n\u00a0200,000\u00a0ser\u00e1n\u00a0v\u00eda\u00a0Infonavit, 500,000\u00a0responsabilidad\u00a0de la\u00a0Conavi, y las\u00a0restantes\u00a0100,000 a\u00a0trav\u00e9s\u00a0del\u00a0Fovissste.<\/span>\u00a0<\/span><\/p>\n

Y\u00a0por\u00a0supuesto,\u00a0tampoco\u00a0perdamos\u00a0de vista\u00a0que\u00a0el\u00a0alza\u00a0en\u00a0el ticket\u00a0promedio\u00a0de\u00a0los\u00a0cr\u00e9ditos\u00a0hipotecarios\u00a0responde,\u00a0sobre\u00a0todo, a la\u00a0falta\u00a0de\u00a0producci\u00f3n\u00a0de\u00a0viviendas\u00a0en\u00a0los\u00a0segmentos\u00a0econ\u00f3micos, y\u00a0que\u00a0aunque\u00a0a\u00a0este\u00a0respecto\u00a0mucho\u00a0ayudar\u00e1\u00a0la Vivienda para el\u00a0Bienestar,\u00a0sigue\u00a0siendo\u00a0necesario\u00a0crear\u00a0entornos\u00a0propicios\u00a0al\u00a0desarrollo\u00a0de\u00a0m\u00e1s\u00a0proyectos\u00a0habitacionales.<\/span>\u00a0<\/span><\/p>\n

Porque\u00a0si\u00a0la\u00a0pregunta\u00a0es: \u00bfQu\u00e9\u00a0futuro\u00a0hay para el\u00a0cr\u00e9dito\u00a0a la\u00a0vivienda? M\u00e1s\u00a0nos\u00a0vale\u00a0entender\u00a0que\u00a0las\u00a0respuestas\u00a0est\u00e1n\u00a0en\u00a0la\u00a0capacidad\u00a0de\u00a0generar\u00a0condiciones\u00a0que\u00a0permitan\u00a0fortalecer\u00a0la\u00a0oferta, Es simple, sin\u00a0viviendas\u00a0los\u00a0precios\u00a0suben\u00a0y con\u00a0ellos\u00a0los\u00a0cr\u00e9ditos\u00a0hipotecarios\u00a0promedio.\u00a0<\/span>\u00a0<\/span><\/p>\n

Y\u00a0atentos,\u00a0que\u00a0para\u00a0analizar\u00a0a\u00a0detalle\u00a0estos\u00a0temas,\u00a0ya\u00a0viene\u00a0el\u00a0Simposio\u00a0de\u00a0Financiamiento\u00a0a la Vivienda 2026,\u00a0que\u00a0organiza\u00a0la\u00a0Asociaci\u00f3n\u00a0de Bancos de M\u00e9xico.\u00a0<\/span>\u00a0<\/span><\/p>\n

Atentos,\u00a0porque\u00a0unos\u00a0p\u00e1rrafos\u00a0m\u00e1s\u00a0abajo\u00a0les\u00a0digo\u00a0como\u00a0sumarse\u00a0a\u00a0este\u00a0evento.<\/span>\u00a0<\/span><\/p>\n

NL\u00a0Cumbre\u00a0Inmobiliaria\u00a02026<\/span><\/b>\u00a0<\/span><\/h2>\n

Atentos,\u00a0ya\u00a0viene\u00a0uno de\u00a0los\u00a0eventos\u00a0referentes\u00a0para\u00a0entender\u00a0lo\u00a0que\u00a0est\u00e1\u00a0pasando\u00a0y\u00a0habr\u00e1\u00a0de pasar\u00a0en\u00a0la\u00a0industria\u00a0inmobiliaria, y\u00a0muy\u00a0particularmente, con la\u00a0vivienda.<\/span>\u00a0<\/span><\/p>\n

La NL Cumbre\u00a0Inmobiliaria\u00a02026 se\u00a0llevar\u00e1\u00a0a\u00a0cabo\u00a0los\u00a0ya\u00a0muy\u00a0pr\u00f3ximos\u00a030 de\u00a0septiembre\u00a0y 1 de\u00a0octubre,\u00a0en\u00a0el Club Industrial de Monterrey, Nuevo Le\u00f3n.\u00a0<\/span>\u00a0<\/span><\/p>\n

Es un\u00a0evento\u00a0organizado\u00a0por\u00a0la\u00a0delegaci\u00f3n\u00a0Nuevo Le\u00f3n de la C\u00e1mara de la Vivienda (Canadevi),\u00a0que\u00a0preside\u00a0<\/span>Javier Trevi\u00f1o<\/span><\/b>, y\u00a0que\u00a0esta\u00a0vez\u00a0tiene\u00a0como\u00a0tema\u00a0central: La\u00a0vivienda\u00a0en\u00a0la\u00a0nueva\u00a0era:\u00a0costos,\u00a0tecnolog\u00eda\u00a0y ciudad.<\/span>\u00a0<\/span><\/p>\n

Es un\u00a0encuentro\u00a0relevante,\u00a0porque\u00a0Nuevo Le\u00f3n es uno de\u00a0los\u00a0principales\u00a0motores\u00a0de la\u00a0econom\u00eda\u00a0mexicana, lo\u00a0que\u00a0entre\u00a0otras\u00a0muchas\u00a0cosas, es\u00a0raz\u00f3n\u00a0para\u00a0que\u00a0esa\u00a0entidad\u00a0sea\u00a0una\u00a0de las\u00a0que\u00a0mejores\u00a0desempe\u00f1os\u00a0presentan\u00a0en\u00a0materia\u00a0de\u00a0desarrollo\u00a0inmobiliario\u00a0y\u00a0vivienda.<\/span>\u00a0<\/span><\/p>\n

Y claro, no hay\u00a0que\u00a0olvidar\u00a0que\u00a0Nuevo Le\u00f3n es,\u00a0adem\u00e1s, un gran\u00a0laboratorio\u00a0para\u00a0entender\u00a0lo\u00a0que\u00a0pueda\u00a0pasar con la\u00a0pol\u00edtica\u00a0de\u00a0vivienda\u00a0en\u00a0las\u00a0diferentes\u00a0regiones del\u00a0pa\u00eds.<\/span>\u00a0<\/span><\/p>\n

No hay\u00a0que\u00a0darle\u00a0vueltas\u2026\u00a0Nos\u00a0vemos\u00a0en\u00a0Monterrey\u2026\u00a0<\/span>\u00a0<\/span><\/p>\n

M\u00e1s\u00a0informes\u00a0en\u00a0el\u00a0tel\u00e9fono\u00a081 1473 6347, y\u00a0en\u00a0www.cumbreinmobiliaria.com.<\/span>\u00a0<\/span><\/p>\n

Ya\u00a0viene\u00a0el\u00a0Simposio\u00a0de\u00a0Financiamiento\u00a0a la Vivienda<\/span><\/b>\u00a0<\/span><\/h2>\n

Y\u00a0como\u00a0ya\u00a0les\u00a0dec\u00eda\u00a0al\u00a0inicio\u00a0de\u00a0esta\u00a0columna,\u00a0los\u00a0pr\u00f3ximos\u00a024 y 25 de\u00a0septiembre\u00a0se\u00a0llevar\u00e1\u00a0a\u00a0cabo\u00a0el\u00a0Simposio\u00a0de\u00a0Financiamiento\u00a0a la Vivienda 2026.<\/span>\u00a0<\/span><\/p>\n

Ser\u00e1\u00a0la XII\u00a0edici\u00f3n\u00a0del\u00a0evento\u00a0organizado\u00a0por\u00a0la\u00a0poderosa\u00a0Asociaci\u00f3n\u00a0de Bancos de M\u00e9xico (ABM),\u00a0que\u00a0preside\u00a0<\/span>Emilio Romano Mussali,<\/span><\/b>\u00a0y\u00a0que\u00a0con el paso del\u00a0tiempo\u00a0se ha\u00a0convertido\u00a0en\u00a0un\u00a0referente\u00a0fundamental para\u00a0entender\u00a0qu\u00e9\u00a0est\u00e1\u00a0pasando\u00a0y\u00a0habr\u00e1\u00a0de pasar\u00a0en\u00a0los\u00a0mercados de\u00a0financiamiento\u00a0a la\u00a0vivienda,\u00a0analizando\u00a0por\u00a0igual\u00a0los\u00a0temas\u00a0relacionados\u00a0con la\u00a0producci\u00f3n,\u00a0que\u00a0con\u00a0los\u00a0dirigidos\u00a0a\u00a0atender\u00a0las\u00a0necesidades\u00a0del\u00a0consumidor\u00a0final.<\/span>\u00a0<\/span><\/p>\n

Ser\u00e1\u00a0un punto de\u00a0encuentro\u00a0que\u00a0nuevamente\u00a0reunir\u00e1\u00a0a\u00a0especialistas\u00a0de las\u00a0diferentes\u00a0\u00e1reas\u00a0que\u00a0integran\u00a0las\u00a0cadenas\u00a0de valor de\u00a0los\u00a0sectores\u00a0inmobiliario\u00a0y\u00a0vivienda, con el\u00a0objetivo\u00a0de\u00a0actualizar\u00a0lecturas\u00a0y\u00a0analizar\u00a0escenarios\u00a0posibles\u00a0para el sector.<\/span>\u00a0<\/span><\/p>\n

Hay\u00a0que\u00a0estar\u00a0muy\u00a0atentos\u00a0para no\u00a0perderse\u00a0el\u00a0que\u00a0sin\u00a0duda\u00a0ser\u00e1\u00a0un gran\u00a0evento, con un\u00a0programa\u00a0de\u00a0muy\u00a0alto\u00a0nivel,\u00a0coordinado\u00a0por\u00a0un\u00a0equipo\u00a0encabezado\u00a0por\u00a0<\/span>Gonzalo Palafox Rebollar<\/span><\/b>,\u00a0coordinador\u00a0del\u00a0Comit\u00e9\u00a0Hipotecario\u00a0de la ABM.<\/span>\u00a0<\/span><\/p>\n

Para\u00a0mayores\u00a0informes\u00a0se\u00a0pueden\u00a0comunicar\u00a0con Daniel Vigueras, al\u00a0tel\u00e9fono\u00a05557224356, o\u00a0v\u00eda\u00a0correo\u00a0electr\u00f3nico: dvigueras@abm.org.mx.<\/span>\u00a0<\/span><\/p>\n

Hombres y Mujeres de la Casa 2026: Edici\u00f3n de Plata<\/span><\/b>\u00a0<\/span><\/h2>\n

A finales de\u00a0este\u00a0a\u00f1o\u00a0se\u00a0llevar\u00e1\u00a0a\u00a0cabo\u00a0la\u00a0ceremonia\u00a0en\u00a0que\u00a0se\u00a0entregar\u00e1\u00a0el\u00a0<\/span>Premio Hombres y Mujeres de la Casa 2026<\/span><\/b>, el reconocimiento m\u00e1s importante del sector inmobiliario nacional, que en su 25 Edici\u00f3n, marca importantes pautas en lo que respecta a reconocer la transformacion de una actividad fundamental por lo que representa como motor de desarrollo social, ambiental, urbano y econ\u00f3mico.<\/span>\u00a0<\/span><\/p>\n

El Premio Hombres y Mujeres de la Casa es\u00a0otorgado\u00a0por\u00a0<\/span>Centro Urbano<\/span><\/b>, a\u00a0trav\u00e9s\u00a0de un Consejo\u00a0Consultivo,\u00a0en\u00a0que\u00a0participan\u00a0distinguidas\u00a0personalidades\u00a0de la\u00a0industria\u00a0inmobiliaria, y se\u00a0entrega\u00a0en\u00a0tres\u00a0categor\u00edas, Sector P\u00fablico, Sector Privado y\u00a0Cimientos\/Trayectoria.<\/span>\u00a0<\/span><\/p>\n

Est\u00e9n\u00a0atentos\u00a0ya\u00a0empez\u00f3\u00a0el\u00a0proceso\u00a0que\u00a0nos\u00a0permitir\u00e1\u00a0tener\u00a0ganadores,\u00a0fecha\u00a0y\u00a0sede\u00a0para\u00a0esta\u00a0<\/span>Edici\u00f3n\u00a0de Plata\u00a0<\/span><\/b>de la\u00a0ceremonia\u00a0de\u00a0entrega\u00a0del Premio Hombres y Mujeres de la Casa,\u00a0que\u00a0se\u00a0llevar\u00e1\u00a0a\u00a0cabo\u00a0al final de\u00a0noviembre\u00a0en\u00a0la Ciudad de M\u00e9xico.<\/span>\u00a0<\/span><\/p>\n

Est\u00e9n\u00a0atentos\u00a0y\u00a0sean\u00a0parte\u00a0de\u00a0esta\u00a0gran fiesta del sector\u00a0inmobiliario\u00a0mexicano.<\/span>\u00a0<\/span><\/p>\n

Informes: relacionespublicas@centrourbano.com<\/span>\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Si la\u00a0pregunta\u00a0es: \u00bfQu\u00e9\u00a0futuro\u00a0hay para el\u00a0cr\u00e9dito\u00a0a la\u00a0vivienda? M\u00e1s\u00a0nos\u00a0vale\u00a0entender\u00a0que\u00a0las\u00a0respuestas\u00a0est\u00e1n\u00a0en\u00a0la\u00a0capacidad\u00a0de\u00a0generar\u00a0condiciones\u00a0que\u00a0permitan\u00a0fortalecer\u00a0la\u00a0oferta. Es simple, sin\u00a0viviendas\u00a0los\u00a0precios\u00a0suben\u00a0y con\u00a0ellos\u00a0los\u00a0cr\u00e9ditos\u00a0hipotecarios\u00a0promedio\u00a0<\/p>\n","protected":false},"author":101,"featured_media":164016,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5],"tags":[],"class_list":["post-164015","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-desde-la-casa","category-opinion"],"yoast_head":"\n\u00bfQu\u00e9 futuro hay para el cr\u00e9dito a la vivienda?<\/title>\n<meta name=\"description\" content=\"\u00bfQu\u00e9 futuro hay para el cr\u00e9dito a la vivienda? 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