{"id":15792,"date":"2024-10-18T12:24:23","date_gmt":"2024-10-18T18:24:23","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=15792"},"modified":"2024-10-18T12:24:27","modified_gmt":"2024-10-18T18:24:27","slug":"la-vivienda-se-recupera-colocacion-de-creditos-crece-11-4","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/la-vivienda-se-recupera-colocacion-de-creditos-crece-11-4\/","title":{"rendered":"La vivienda se recupera: colocaci\u00f3n de cr\u00e9ditos crece 11.4%"},"content":{"rendered":"\n<p>Por: Fernanda Hern\u00e1ndez <\/p>\n\n\n\n<p><em>De acuerdo con BBVA, en el 1S2024 se otorgaron cerca de 232,900 cr\u00e9ditos hipotecarios, 11.4% m\u00e1s que en el 1S2023<\/em><\/p>\n\n\n\n<p>De acuerdo con el&nbsp;<strong>Informe Situaci\u00f3n Inmobiliaria<\/strong>, de BBVA M\u00e9xico, durante el primer semestre de 2024 (1S2024), el&nbsp;<strong>mercado de la vivienda<\/strong>&nbsp;dej\u00f3 atr\u00e1s la tendencia a la baja que registraba anteriormente y comenz\u00f3 a mostrar resultados positivos.<\/p>\n\n\n\n<p>El documento destaca que en el 1S2024 se otorgaron cerca de&nbsp;<strong>232,900 cr\u00e9ditos hipotecarios<\/strong>, lo que representa un crecimiento de 11.4% comparado con el mismo periodo del a\u00f1o anterior.<\/p>\n\n\n\n<p>Asimismo, estos cr\u00e9ditos colocados representaron una derrama de m\u00e1s de&nbsp;<strong>261,000 millones de pesos&nbsp;<\/strong>(mdp), con lo que el monto originado creci\u00f3 2.2% frente al 1S2023.<\/p>\n\n\n\n<p>Sin embargo,&nbsp;<strong>Carlos Serrano Herrera, economista jefe de BBVA<\/strong>, indic\u00f3 que este resultado positivo se debe a los&nbsp;<strong>institutos p\u00fablicos<\/strong>, ya que en conjunto colocaron&nbsp;<strong>180,100 cr\u00e9ditos hipotecarios<\/strong>, 18.3% m\u00e1s que en el 1S2923; as\u00ed como un monto total de 128,500 mdp, con un alza anual de 17.6 por ciento.<\/p>\n\n\n\n<p>El&nbsp;<strong>Instituto del Fondo Nacional de la Vivienda para los Trabajadores<\/strong>&nbsp;(<strong>Infonavit<\/strong>) otorg\u00f3&nbsp;<strong>161,900 cr\u00e9ditos<\/strong>&nbsp;en el 1S2024, lo cual es 18.9% m\u00e1s que en el mismo periodo de 2023; con una derrama de 112,100 mdp, 17.4% m\u00e1s que en el 1S2023.<\/p>\n\n\n\n<p>Por su parte, el&nbsp;<strong>Fondo de la Vivienda del ISSSTE (Fovissste<\/strong>) mostr\u00f3 una recuperaci\u00f3n del 13.9% en el n\u00famero de cr\u00e9ditos otorgados, con&nbsp;<strong>18,200 hipotecas<\/strong>; y del 18.8% en el monto de cr\u00e9dito, con 16,400 mdp, en comparaci\u00f3n con el a\u00f1o anterior<\/p>\n\n\n\n<p>No obstante, el informe de BBVA indica que la&nbsp;<strong>banca comercial<\/strong>&nbsp;va en sentido opuesto, ya que en el 1S2024 coloc\u00f3&nbsp;<strong>57,400 hipotecas<\/strong>&nbsp;por un monto de 132,700 mdp, lo cual representa ca\u00eddas de 6.8% y 9.2%, respectivamente.<\/p>\n\n\n\n<p>Pero, a pesar de esta contracci\u00f3n,&nbsp;<strong>Marissa Gonz\u00e1lez Guzm\u00e1n, economista senior de BBVA M\u00e9xico<\/strong>, detall\u00f3 que se registraron siete estados del pa\u00eds en las que s\u00ed creci\u00f3 la colocaci\u00f3n de cr\u00e9dito hipotecario bancario.<\/p>\n\n\n\n<p><strong>Tabasco<\/strong>&nbsp;y&nbsp;<strong>Quintana Roo<\/strong>&nbsp;fueron las entidades con mayor avance, con 9.5% y 5.3%, respectivamente; seguidos por&nbsp;<strong>Baja California<\/strong>&nbsp;con 3%, y&nbsp;<strong>Coahuila<\/strong>&nbsp;con 2.2%. Otros estados con avances marginales fueron&nbsp;<strong>Colima<\/strong>&nbsp;con 0.8%,&nbsp;<strong>Quer\u00e9taro<\/strong>&nbsp;con 0.6% y&nbsp;<strong>Nuevo Le\u00f3n<\/strong>&nbsp;con s\u00f3lo 0.3 por ciento.<\/p>\n\n\n\n<p>Por otro lado, especialistas del banco se\u00f1alaron que el&nbsp;<strong>crecimiento en la&nbsp;<\/strong><strong>colocaci\u00f3n de los institutos p\u00fablicos<\/strong>, aunada a una&nbsp;<strong>ca\u00edda de la hipoteca media de la banca comercial<\/strong>, apuntan a una recomposici\u00f3n en la demanda de vivienda, que ahora se enfoca en segmentos de menor valor.<\/p>\n\n\n\n<p>Lo anterior tambi\u00e9n se aprecia del lado de la oferta, pues, adem\u00e1s de que el n\u00famero de proyectos en construcci\u00f3n aument\u00f3 14.1% en el 1S2024, la proporci\u00f3n de\u00a0<strong>vivienda de inter\u00e9s social<\/strong>\u00a0aument\u00f3 a 75.2% del total, 8.8 puntos porcentuales m\u00e1s que hace un a\u00f1o.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"419\" src=\"https:\/\/hombresymujeresdelacasa.com\/home\/wp-content\/uploads\/2024\/10\/image-4.png\" alt=\"\" class=\"wp-image-15793\" style=\"width:728px;height:auto\" srcset=\"https:\/\/hombresymujeresdelacasa.com\/home\/wp-content\/uploads\/2024\/10\/image-4.png 768w, https:\/\/hombresymujeresdelacasa.com\/home\/wp-content\/uploads\/2024\/10\/image-4-300x164.png 300w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Por: Fernanda Hern\u00e1ndez De acuerdo con BBVA, en el 1S2024 se otorgaron cerca de 232,900 cr\u00e9ditos hipotecarios, 11.4% m\u00e1s que en el 1S2023 De acuerdo con el&nbsp;Informe Situaci\u00f3n Inmobiliaria, de BBVA M\u00e9xico, durante el primer semestre de 2024 (1S2024), el&nbsp;mercado de la vivienda&nbsp;dej\u00f3 atr\u00e1s la tendencia a la baja que registraba anteriormente y comenz\u00f3 a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15794,"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":"set","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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