{"id":11400,"date":"2023-02-01T14:28:44","date_gmt":"2023-02-01T20:28:44","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=11400"},"modified":"2023-02-01T14:28:46","modified_gmt":"2023-02-01T20:28:46","slug":"credito-hipotecario-de-la-banca-crecio-8-8-en-2022-margain","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/credito-hipotecario-de-la-banca-crecio-8-8-en-2022-margain\/","title":{"rendered":"Cr\u00e9dito hipotecario de la banca creci\u00f3 8.8% en 2022: Margain"},"content":{"rendered":"\n<p>Por: Fernanda Hern\u00e1ndez <\/p>\n\n\n\n<p><em>Enrique Margain consider\u00f3 que el principal reto es que las tasas de inter\u00e9s de los cr\u00e9ditos hipotecarios y el precio de la vivienda van en aumento<\/em><\/p>\n\n\n\n<p><strong>Enrique Margain Pitman<\/strong>,&nbsp;<strong>director de Pr\u00e9stamos a Particulares de HSBC<\/strong>, asegur\u00f3 que la banca comercial tuvo un desempe\u00f1o sobresaliente en 2022, en t\u00e9rminos de colocaci\u00f3n de cr\u00e9dito hipotecario.<\/p>\n\n\n\n<p>El empresario destac\u00f3 que, de enero a diciembre de 2022, los bancos colocaron cerca de&nbsp;<strong>153,000 hipotecas<\/strong>, que equivalen a m\u00e1s de&nbsp;<strong>280,000 millones de pesos<\/strong>&nbsp;(mdp); lo cual representa un crecimiento de 8.8% frente a 2021.<\/p>\n\n\n\n<p>\u201cYo creo que es bastante bueno el n\u00famero, despu\u00e9s de un a\u00f1o como 2021, donde el cr\u00e9dito creci\u00f3 much\u00edsimo, cerca de 34%, mucho empujado por temas como la portabilidad hipotecaria aprovechando las bajas tasas. Pero 2022, crecer 8.8% despu\u00e9s de este crecimiento, pues habla de que tenemos un peque\u00f1o crecimiento en t\u00e9rminos reales, pero sigue siendo un crecimiento positivo\u201d, dijo.<\/p>\n\n\n\n<p>En entrevista exclusiva con&nbsp;<a href=\"https:\/\/centrourbano.com\/centro-urbano-digital\/%e2%96%b6%ef%b8%8f-video-que-viene-para-el-sector-hipotecario\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Centro Urbano<\/a>,&nbsp;<strong>Margain<\/strong>&nbsp;consider\u00f3 que los principales retos que se vislumbran para los pr\u00f3ximos meses se derivan de la inflaci\u00f3n; misma que en los \u00faltimos a\u00f1os ha alcanzado niveles hist\u00f3ricos.<\/p>\n\n\n\n<p>En primer lugar, coment\u00f3 que, hoy en d\u00eda, las personas tienen un menor ingreso y, por lo tanto, una&nbsp;<strong>menor capacidad de pago<\/strong>. Adem\u00e1s, las&nbsp;<strong>tasas de inter\u00e9s<\/strong>&nbsp;de los cr\u00e9ditos hipotecarios, el&nbsp;<strong>precio de las viviendas<\/strong>&nbsp;y de los&nbsp;<strong>materiales de construcci\u00f3n<\/strong>&nbsp;han registrado aumentos importantes.<\/p>\n\n\n\n<p>\u201cEstos elementos combinados pueden derivar en que haya personas que necesiten poner un poco m\u00e1s de enganche; y algunas se desperfilar\u00e1n o tomar\u00e1n la decisi\u00f3n de no comprar hoy sino despu\u00e9s. La&nbsp;<strong>confianza del consumidor<\/strong>&nbsp;en t\u00e9rminos de compra de vivienda ha venido a la baja; y esos son los factores que creo que hay que tener en consideraci\u00f3n\u201d, coment\u00f3.<\/p>\n\n\n\n<p>No obstante, asegur\u00f3 que el&nbsp;<strong>sector bancario<\/strong>&nbsp;se mantiene s\u00f3lido, con liquidez y disponible para otorgar cr\u00e9ditos hipotecarios a las familias; adem\u00e1s de que existe un amplio abanico de&nbsp;<strong>productos hipotecarios<\/strong>&nbsp;que facilitan que las personas tengan acceso al cr\u00e9dito para la compra de una vivienda.<\/p>\n\n\n\n<p>\u201cHay que entender muy bien c\u00f3mo fortalecer esta parte de ir con nuevos acreditados, generaci\u00f3n de nuevos productos, atenci\u00f3n a necesidades no cubiertas, que yo creo que hay un mercado muy amplio; e, indudablemente, seguir con pol\u00edticas de cr\u00e9dito que permita a las personas tener ese acceso a la compra de la vivienda de acuerdo a sus necesidades\u201d, expres\u00f3&nbsp;<strong>Margain<\/strong>.<\/p>\n\n\n\n<p><a href=\"https:\/\/centrourbano.com\/author\/fernanda-hernandez\/\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por: Fernanda Hern\u00e1ndez Enrique Margain consider\u00f3 que el principal reto es que las tasas de inter\u00e9s de los cr\u00e9ditos hipotecarios y el precio de la vivienda van en aumento Enrique Margain Pitman,&nbsp;director de Pr\u00e9stamos a Particulares de HSBC, asegur\u00f3 que la banca comercial tuvo un desempe\u00f1o sobresaliente en 2022, en t\u00e9rminos de colocaci\u00f3n de cr\u00e9dito [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":11401,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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