{"id":164220,"date":"2026-09-21T17:35:02","date_gmt":"2026-09-21T23:35:02","guid":{"rendered":"https:\/\/centrourbano.com\/revista\/?p=164220"},"modified":"2026-09-21T17:35:02","modified_gmt":"2026-09-21T23:35:02","slug":"financia-compra-construccion-viviendas-mexicanas","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/opinion\/financia-compra-construccion-viviendas-mexicanas\/","title":{"rendered":"\u00bfQui\u00e9n financia la compra y construcci\u00f3n de las viviendas mexicanas?"},"content":{"rendered":"

Esta\u00a0<\/span>semana<\/span>\u00a0se\u00a0<\/span>lleva<\/span>\u00a0a\u00a0<\/span>cabo<\/span>\u00a0el 12\u00a0<\/span>Simposio<\/span>\u00a0de\u00a0<\/span>Financiamiento<\/span>\u00a0a la Vivienda,\u00a0<\/span>en<\/span>\u00a0<\/span>busca<\/span>\u00a0de\u00a0<\/span>entender<\/span>\u00a0y\u00a0<\/span>dar<\/span>\u00a0<\/span>respuesta<\/span>\u00a0a\u00a0<\/span>una<\/span>\u00a0<\/span>pregunta<\/span>\u00a0fundamental: \u00bf<\/span>Qui\u00e9n<\/span>\u00a0<\/span>financia<\/span>\u00a0la\u00a0<\/span>compra<\/span>\u00a0y\u00a0<\/span>construcci\u00f3n<\/span>\u00a0de las\u00a0<\/span>viviendas<\/span>\u00a0<\/span>mexicanas<\/span>?<\/span><\/span>\u00a0<\/span><\/em><\/p>\n

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

Hace\u00a0unos\u00a0d\u00edas\u00a0present\u00e9\u00a0n\u00fameros\u00a0de\u00a0colocaci\u00f3n\u00a0de\u00a0cr\u00e9ditos\u00a0hipotecarios\u00a0individuales,\u00a0n\u00fameros\u00a0muy\u00a0importantes\u00a0para\u00a0entender\u00a0cu\u00e1nto\u00a0dinero se\u00a0invierte\u00a0en\u00a0otorgarlos, y, lo\u00a0que\u00a0es\u00a0aun\u00a0m\u00e1s\u00a0importante,\u00a0cu\u00e1ntas\u00a0personas\u00a0los\u00a0reciben,\u00a0qui\u00e9n\u00a0los\u00a0otorga,\u00a0cu\u00e1ntas\u00a0viviendas\u00a0se\u00a0venden\u00a0respaldadas\u00a0por\u00a0ellos,\u00a0cu\u00e1ntas\u00a0de\u00a0estas\u00a0son\u00a0nuevas\u00a0o\u00a0usadas, o\u00a0cu\u00e1ntas\u00a0personas se\u00a0apoyan\u00a0en\u00a0un\u00a0cr\u00e9dito\u00a0para\u00a0comprar\u00a0un\u00a0terreno,\u00a0mejorar\u00a0su\u00a0hipoteca, o\u00a0construir\u00a0o\u00a0remodelan\u00a0su\u00a0vivienda.<\/span>\u00a0<\/span><\/p>\n

Y dejen les cuento que solo en el primer semestre de este a\u00f1o, sumando n\u00fameros de banca privada y organismos p\u00fablicos (fundamentalmente Infonavit, de Octavio Romero Oropeza, y Fovissste, de Jabnely Maldonado Meza), se otorgaron 243,400 cr\u00e9ditos hipitecarios, que representan una inversi\u00f3n de 291,400 millones de pesos.<\/span>\u00a0<\/span><\/p>\n

\u00bfNada mal, no?<\/span>\u00a0<\/span><\/p>\n

Y ojo, que estos n\u00fameros se complementan con aquellos que nos dicen cu\u00e1nto dinero se invierte en financiar la produccion de buena parte de esas viviendas, qu\u00e9 instituciones otorgan esos cr\u00e9ditos, y c\u00f3mo y a qui\u00e9n se les otorgan.<\/span>\u00a0<\/span><\/p>\n

Y bueno,\u00a0resulta\u00a0que\u00a0en\u00a0ese\u00a0mismo\u00a0primer\u00a0semestre, la banca\u00a0privada\u00a0invirti\u00f3\u00a053,000\u00a0millones\u00a0de pesos\u00a0en\u00a0financiar\u00a0proyectos\u00a0de\u00a0vivienda\u00a0de\u00a0todos\u00a0los\u00a0tama\u00f1os\u00a0y\u00a0en\u00a0todo\u00a0el\u00a0pa\u00eds, a lo\u00a0que\u00a0habr\u00eda\u00a0que\u00a0agregar\u00a0lo\u00a0que\u00a0a\u00a0trav\u00e9s\u00a0del\u00a0programa\u00a0Vivienda para el\u00a0Bienestar\u00a0invirtieron\u00a0los\u00a0organismos\u00a0nacionales\u00a0de\u00a0vivienda,\u00a0fundamentalmente\u00a0Infonavit,\u00a0que\u00a0opera con\u00a0recursos\u00a0de sus\u00a0derechohabientes, y la\u00a0Comisi\u00f3n Nacional de Vivienda (Conavi), de\u00a0Rodrigo Ch\u00e1vez Contreras,\u00a0que\u00a0dispone para\u00a0ello\u00a0de\u00a0recursos\u00a0p\u00fablicos\u00a0que\u00a0se le\u00a0asignan\u00a0anualmente\u00a0desde\u00a0el\u00a0mism\u00edsimo\u00a0Presupuesto\u00a0de\u00a0Egresos\u00a0de la\u00a0Federaci\u00f3n.<\/span>\u00a0<\/span><\/p>\n

Ojo, no se me\u00a0olvida\u00a0el\u00a0Fovissste,\u00a0pero\u00a0no\u00a0olvidar\u00a0que\u00a0este\u00a0organismo\u00a0hace\u00a0apenas\u00a0unas\u00a0semanas\u00a0empez\u00f3\u00a0a\u00a0construir\u00a0y\u00a0desde\u00a0ese nuevo\u00a0papel, a\u00a0financiar\u00a0la\u00a0producci\u00f3n\u00a0de\u00a0viviendas.<\/span>\u00a0<\/span><\/p>\n

Porque\u00a0claro, es\u00a0casi\u00a0impensable\u00a0que\u00a0una\u00a0persona\u00a0pueda\u00a0comprar\u00a0una\u00a0vivienda\u00a0sin el\u00a0respaldo\u00a0de un\u00a0cr\u00e9dito, tan\u00a0impensable\u00a0como\u00a0suponer\u00a0que\u00a0habr\u00eda\u00a0producci\u00f3n\u00a0de\u00a0viviendas\u00a0si\u00a0no\u00a0existieran\u00a0los\u00a0cr\u00e9ditos\u00a0que\u00a0lo\u00a0hicieran\u00a0posible.<\/span>\u00a0<\/span><\/p>\n

No hay\u00a0que\u00a0darle\u00a0vueltas, el\u00a0cr\u00e9dito\u00a0es el alma de\u00a0cualquier\u00a0pol\u00edtica\u00a0de\u00a0vivienda.\u00a0<\/span>\u00a0<\/span><\/p>\n

El\u00a0cr\u00e9dito\u00a0a\u00a0partir\u00a0de\u00a0dos\u00a0canal\u00e9s, uno\u00a0dirigido\u00a0al\u00a0consumidor\u00a0final (la\u00a0demanda), y\u00a0otro\u00a0para\u00a0atender\u00a0las\u00a0necesidades\u00a0de\u00a0quienes\u00a0producen\u00a0las\u00a0viviendas\u00a0que\u00a0se\u00a0necesitan\u00a0para\u00a0que\u00a0una\u00a0persona\u00a0pueda\u00a0hacer\u00a0efectivo\u00a0su\u00a0cr\u00e9dito\u00a0hipotecario\u00a0individual (la\u00a0oferta).<\/span>\u00a0<\/span><\/p>\n

Por supuesto, esta explicaci\u00f3n y sus datos no bastan para atender el reto habitacional\u2026 pero s\u00ed para entenderlo, porque es evidente que si queremos darle respuestas, es necesario garantizar la disponibilidad de ambos canales de cr\u00e9dito hipotecario.<\/span>\u00a0<\/span><\/p>\n

Se\u00a0trata\u00a0de\u00a0entender\u00a0y\u00a0dar\u00a0respuesta\u00a0a\u00a0una\u00a0pregunta\u00a0fundamental: \u00bfQui\u00e9n\u00a0financia\u00a0la\u00a0compra\u00a0y\u00a0construcci\u00f3n\u00a0de las\u00a0viviendas\u00a0mexicanas?<\/span>\u00a0<\/span><\/p>\n

Por\u00a0eso\u00a0es tan\u00a0relevante\u00a0que\u00a0esta\u00a0semana\u00a0se\u00a0lleve\u00a0a\u00a0cabo\u00a0el\u00a0Simposio\u00a0de\u00a0Financiamiento\u00a0a la Vivienda 2026,\u00a0que\u00a0organiza\u00a0la\u00a0poderosa\u00a0Asociaci\u00f3n\u00a0de Bancos de M\u00e9xico,\u00a0que\u00a0preside\u00a0Emilio Romano Mussali, y\u00a0que\u00a0tiene\u00a0como\u00a0coordinador\u00a0de\u00a0su\u00a0Comit\u00e9\u00a0Hipotecario\u00a0a\u00a0Gonzalo Palafox Rebollar,\u00a0que\u00a0adem\u00e1s\u00a0est\u00e1\u00a0al\u00a0frente\u00a0de la\u00a0divisi\u00f3n\u00a0hipotecaria\u00a0de\u00a0Banamex.<\/span>\u00a0<\/span><\/p>\n

El Simposio de Financiamiento a la Vivienda 2026 se llevar\u00e1 a cabo los pr\u00f3ximos 24 y 25 de septiembre en la Ciudad de M\u00e9xico.<\/span>\u00a0<\/span><\/p>\n

Ser\u00e1\u00a0la XII\u00a0edici\u00f3n\u00a0de un\u00a0evento\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

Ser\u00e1\u00a0un\u00a0evento\u00a0en\u00a0formato\u00a0h\u00edbrido, al\u00a0que\u00a0podr\u00e1n\u00a0inscribirse\u00a0para\u00a0participar\u00a0presencialmente\u00a0o\u00a0en\u00a0l\u00ednea,<\/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

El\u00a0voto\u00a0urbano\u00a0y la\u00a0vivienda\u00a0<\/span>\u00a0<\/span><\/h2>\n

Pues\u00a0resulta\u00a0que\u00a0un\u00a0fantasma\u00a0recorre\u00a0el\u00a0mundo\u2026 Y\u00a0perd\u00f3n\u00a0por\u00a0esta\u00a0entrada\u00a0dram\u00e1tica\u00a0citando\u00a0a\u00a0los\u00a0j\u00f3venes\u00a0Marx y Engels,\u00a0pero\u00a0es\u00a0que\u00a0no\u00a0pude\u00a0resistirme\u00a0a usar la\u00a0frase\u00a0con\u00a0que\u00a0inicia\u00a0su\u00a0Manifiesto\u00a0Comunista, para\u00a0hablar\u00a0de\u00a0cosas\u00a0que\u00a0est\u00e1n\u00a0pasando\u00a0en\u00a0algunas\u00a0ciudades\u00a0del\u00a0mundo.<\/span>\u00a0<\/span><\/p>\n

Y es\u00a0que\u00a0el fin de\u00a0semana,\u00a0Elif Eralp,\u00a0una\u00a0mujer,\u00a0joven\u00a0(45\u00a0a\u00f1os), de\u00a0izquierda,\u00a0musulmana, e\u00a0hija\u00a0de\u00a0inmigrantes\u00a0turcos,\u00a0sorprendi\u00f3\u00a0al\u00a0mundo\u00a0al\u00a0ganar\u00a0las\u00a0elecciones\u00a0para ser la\u00a0pr\u00f3xima\u00a0alcaldesa\u00a0de\u00a0Berl\u00edn,\u00a0contando\u00a0para\u00a0ello\u00a0con el\u00a0respaldo\u00a0de\u00a0los\u00a0j\u00f3venes,\u00a0que\u00a0con\u00a0su\u00a0voto, le\u00a0dieron\u00a0el visto bueno a\u00a0una\u00a0plataforma\u00a0de\u00a0campa\u00f1a\u00a0que\u00a0ten\u00eda\u00a0entre sus\u00a0prioridades\u00a0la\u00a0atenci\u00f3n\u00a0al\u00a0reto\u00a0habitacional,\u00a0considerando\u00a0temas\u00a0como\u00a0topar\u00a0montos\u00a0de\u00a0renta\u00a0y\u00a0expropiar\u00a0m\u00e1s\u00a0de 200,000\u00a0viviendas\u00a0que\u00a0hoy\u00a0est\u00e1n\u00a0en\u00a0manos de\u00a0grandes\u00a0fondos\u00a0de\u00a0inversi\u00f3n.<\/span>\u00a0<\/span><\/p>\n

Y conste que si el fantasma de Marx y Engels recorr\u00eda Europa, el que yo menciono ya anda paseando por el mundo, porque el triunfo de Eralp, se suma al de Zohran Mamdani, hombre, joven (34 a\u00f1os), de izquierda, musulm\u00e1n, e hijo de inmigrantes (madre de la India y padre de Uganda), que hace apenas unos meses nos sorprendi\u00f3 ganando la alcald\u00eda de Nueva York, con propuestas y prioridades muy parecidas a las de la futura alcaldesa de Berl\u00edn, y tambi\u00e9n s\u00f3lidamente ancladas en las agendas urbanas y de vivienda.<\/span>\u00a0<\/span><\/p>\n

Se\u00f1oras\u00a0y\u00a0se\u00f1ores, con\u00a0ustedes\u00a0la\u00a0nueva\u00a0estrella\u00a0mundial: el\u00a0voto\u00a0urbano\u00a0joven\u00a0y sus agendas y\u00a0preocupaciones.<\/span>\u00a0<\/span><\/p>\n

Habr\u00e1\u00a0que\u00a0ver\u00a0si\u00a0los\u00a0pol\u00edticos\u00a0son\u00a0capaces\u00a0de\u00a0entenderlos\u00a0y\u00a0ofrecerles\u00a0las\u00a0respuestas\u00a0que\u00a0necesitan.<\/span>\u00a0<\/span><\/p>\n

Si no\u2026\u00a0que\u00a0despu\u00e9s\u00a0no\u00a0est\u00e9n\u00a0chillando.<\/span>\u00a0<\/span><\/p>\n

NL Cumbre\u00a0Inmobiliaria\u00a02026<\/span>\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\u00a0NL Cumbre\u00a0Inmobiliaria\u00a02026\u00a0se\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.<\/span>\u00a0<\/span><\/p>\n

Es un\u00a0evento\u00a0organizado\u00a0por\u00a0la\u00a0delegaci\u00f3n\u00a0Nuevo Le\u00f3n de la C\u00e1mara de la Vivienda\u00a0(Canadevi),\u00a0que\u00a0preside\u00a0Javier Trevi\u00f1o, y\u00a0que\u00a0esta\u00a0vez\u00a0tiene\u00a0como\u00a0tema\u00a0central:\u00a0La\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 Nos\u00a0vemos\u00a0en\u00a0Monterrey\u2026<\/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

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

Esta\u00a0semana\u00a0se\u00a0anunciar\u00e1\u00a0quienes\u00a0son\u00a0los\u00a0ganadores\u00a0del\u00a0Premio Hombres y Mujeres de la Casa 2026,\u00a0que\u00a0como\u00a0ha\u00a0sido\u00a0a lo largo de 25\u00a0a\u00f1os,\u00a0reconoce\u00a0la\u00a0excelencia\u00a0en\u00a0los\u00a0diferentes\u00a0procesos\u00a0que\u00a0definen\u00a0la\u00a0atenci\u00f3n\u00a0al\u00a0reto\u00a0habitacional:\u00a0\u00a0pol\u00edticas\u00a0p\u00fablicas,\u00a0desarrollo\u00a0y\u00a0financiamiento.<\/span>\u00a0<\/span><\/p>\n

Y ser\u00e1 poco despu\u00e9s, a finales de este a\u00f1o, cuando se lleve a a cabo la ceremonia en que se entregar\u00e1 el que se ha convertido en el reconocimiento m\u00e1s importante del sector inmobiliario nacional, y que en esta, 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\u00a0Centro Urbano, 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\u00a0porque\u00a0pr\u00f3ximamente\u00a0anunciaremos\u00a0fecha\u00a0y\u00a0sede\u00a0para\u00a0esta\u00a0Edici\u00f3n\u00a0de Plata 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":"

Esta\u00a0semana\u00a0se\u00a0lleva\u00a0a\u00a0cabo\u00a0el 12\u00a0Simposio\u00a0de\u00a0Financiamiento\u00a0a la Vivienda,\u00a0en\u00a0busca\u00a0de\u00a0entender\u00a0y\u00a0dar\u00a0respuesta\u00a0a\u00a0una\u00a0pregunta\u00a0fundamental: \u00bfQui\u00e9n\u00a0financia\u00a0la\u00a0compra\u00a0y\u00a0construcci\u00f3n\u00a0de las\u00a0viviendas\u00a0mexicanas?\u00a0<\/p>\n","protected":false},"author":101,"featured_media":164222,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,5],"tags":[],"class_list":["post-164220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog-desde-la-casa","category-opinion"],"yoast_head":"\n\u00bfQui\u00e9n financia la compra y construcci\u00f3n de las viviendas mexicanas?<\/title>\n<meta name=\"description\" content=\"El Simposio de Financiamiento a la Vivienda busca dar respuesta a: \u00bfQui\u00e9n financia la 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