{"id":11763,"date":"2023-03-29T17:16:15","date_gmt":"2023-03-29T23:16:15","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=11763"},"modified":"2023-03-29T17:16:17","modified_gmt":"2023-03-29T23:16:17","slug":"se-contrae-demanda-de-credito-hipotecario-en-2022-bbva","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/se-contrae-demanda-de-credito-hipotecario-en-2022-bbva\/","title":{"rendered":"Se contrae demanda de cr\u00e9dito hipotecario en 2022: BBVA"},"content":{"rendered":"\n

Por: Fernanda Hern\u00e1ndez<\/p>\n\n\n\n

De acuerdo con el informe, la vivienda residencial ha guiado y apuntalado la adquisici\u00f3n de cr\u00e9dito hipotecario, con un crecimiento de 6.7% en 2022<\/em><\/p>\n\n\n\n

Mediante su informe \u2018Situaci\u00f3n Inmobiliaria\u2019, correspondiente al primer trimestre de 2023 (1T2023), BBVA<\/strong> Research<\/strong><\/a> indic\u00f3 que el 2022 cerr\u00f3 con una colocaci\u00f3n de 462,000 cr\u00e9ditos<\/strong> hipotecarios<\/strong>, 8.5% menos a lo registrado al t\u00e9rmino de 2021.<\/p>\n\n\n\n

Mientras que, en t\u00e9rminos de monto<\/strong>, se registr\u00f3 una ca\u00edda de 4.9% frente a 2021; con un total de 473,000 millones de pesos (mdp) otorgados por las instituciones de cr\u00e9dito.<\/p>\n\n\n\n

Respecto a los institutos p\u00fablicos<\/strong>, es decir el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) y el Fondo de la Vivienda del ISSSTE (Fovissste), otorgaron, en conjunto, 11.1% menos cr\u00e9ditos durante 2022; por un monto 11.5% menor, de tan s\u00f3lo 174,400 mdp.<\/p>\n\n\n\n

La banca<\/strong>, por su parte, disminuy\u00f3 su la originaci\u00f3n de cr\u00e9dito en 3.5%, lo que represent\u00f3 una contracci\u00f3n del 0.6% en monto.<\/p>\n\n\n\n

De acuerdo con BBVA Research<\/strong>, lo anterior se atribuye a una menor demanda por parte de los hogares, pues no se observan restricciones al cr\u00e9dito. Por el contrario, destac\u00f3 que se han observado esfuerzos, tanto del sector p\u00fablico como privado, para estimular la demanda.<\/p>\n\n\n\n

A pesar de lo anterior, el documento se\u00f1ala que, en 2022, la banca logr\u00f3 colocar 247,000 mdp en cr\u00e9ditos<\/strong> para la adquisici\u00f3n de vivienda nueva o usada; lo que representa un crecimiento de 3.5% respecto al a\u00f1o anterior. De esta manera, el monto promedio de cr\u00e9dito alcanz\u00f3 los 2.5 mdp, lo que refleja una tendencia por la adquisici\u00f3n de vivienda de mayor valor.<\/p>\n\n\n\n

Asimismo, el informe destaca que la vivienda residencial<\/strong> ha guiado y apuntalado la adquisici\u00f3n hipotecaria, pues cerr\u00f3 el 2022 con un crecimiento de 6.7%. Por otra parte, la vivienda media<\/strong> mostr\u00f3 variaciones positivas hasta septiembre de 2022; pero redujo su impulso hacia el cierre del a\u00f1o, para terminar con un decremento de 2.2%.<\/p>\n\n\n\n

En tanto, la vivienda de inter\u00e9s social<\/strong> lleg\u00f3 al 2022 con tendencia al alza y alcanz\u00f3 su m\u00e1ximo hasta el mes de marzo; sin embargo, posteriormente, inici\u00f3 una trayectoria a la baja y cerr\u00f3 el a\u00f1o con un decremento de 21.2 por ciento.<\/p>\n\n\n\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Por: Fernanda Hern\u00e1ndez De acuerdo con el informe, la vivienda residencial ha guiado y apuntalado la adquisici\u00f3n de cr\u00e9dito hipotecario, con un crecimiento de 6.7% en 2022 Mediante su informe \u2018Situaci\u00f3n Inmobiliaria\u2019, correspondiente al primer trimestre de 2023 (1T2023), BBVA Research indic\u00f3 que el 2022 cerr\u00f3 con una colocaci\u00f3n de 462,000 cr\u00e9ditos hipotecarios, 8.5% menos a lo registrado al t\u00e9rmino […]<\/p>\n","protected":false},"author":1,"featured_media":11764,"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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