Hay una oportunidad para recomponer el portafolio, se\u00f1al\u00f3 Margain<\/em><\/span><\/p>\n De los 8 millones de cr\u00e9ditos que conforman el portafolio hipotecario nacional, 60% a\u00fan se encuentra en\u00a0Veces Salarios M\u00ednimos<\/strong>\u00a0(VSM) o\u00a0UMAs<\/strong>. Es decir, 4.8 millones de personas a\u00fan tienen un cr\u00e9dito que se ajusta cada a\u00f1o.<\/p>\n De acuerdo con\u00a0Enrique Margain Pitman<\/strong>, coordinador del Comit\u00e9 de Cr\u00e9dito Hipotecario de la\u00a0Asociaci\u00f3n de Bancos de M\u00e9xico<\/strong>\u00a0(ABM), esta situaci\u00f3n representa una venta de oportunidad para el sector. Y es que, asegur\u00f3, es importante considerar migrar los\u00a0esquemas a Pesos.<\/p>\n A decir del banquero, impulsar una medida para mover los cr\u00e9ditos traer\u00e1 beneficios tanto para los bancos como para las familias. En especial, permitir\u00e1 a quienes tienen un financiamiento obtener nuevas condiciones que les permitan liquidar su cr\u00e9dito.<\/p>\n \u201cAc\u00e1 lo que es importante es que 60% sigue en Salarios M\u00ednimos o UMAs. Creo que la reflexi\u00f3n es que muchos de esos cr\u00e9ditos vayan migrando a pesos y que se vaya recomponiendo el portafolio, porque esto va a ayudar mucho al sector y a acelerar que las personas puedan pagar con mucha m\u00e1s certeza sus cr\u00e9ditos\u201d, dijo.<\/p><\/blockquote>\n Margain Pitman puntualiz\u00f3 que el portafolio hipotecario en M\u00e9xico tiene un valor de 2.5 millones de pesos, de los cuales, Infonavit tiene 56%, con 1.4 billones de pesos, mientras que los bancos concentran 33%, es decir, 855,000 millones de pesos.<\/p>\n En lo referente, a\u00f1adi\u00f3 que 88% de los cr\u00e9ditos que componen la cartera de la banca pertenece al esquema de adquisici\u00f3n, seguido de pago de pasivos, con 4.9 por ciento.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":" Por Edgar Rosas Hay una oportunidad para recomponer el portafolio, se\u00f1al\u00f3 Margain De los 8 millones de cr\u00e9ditos que conforman el portafolio hipotecario nacional, 60% a\u00fan se encuentra en\u00a0Veces Salarios M\u00ednimos\u00a0(VSM) o\u00a0UMAs. Es decir, 4.8 millones de personas a\u00fan tienen un cr\u00e9dito que se ajusta cada a\u00f1o. De acuerdo con\u00a0Enrique Margain Pitman, coordinador del Comit\u00e9 […]<\/p>\n","protected":false},"author":1,"featured_media":4284,"comment_status":"closed","ping_status":"open","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[76,99,497,1391,1312],"class_list":["post-6124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-enrique-margain-pitman","tag-hipotecas","tag-originacion","tag-pesos","tag-veces-salarios-minimos"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/6124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/comments?post=6124"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/6124\/revisions"}],"predecessor-version":[{"id":6125,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/6124\/revisions\/6125"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/4284"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=6124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=6124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=6124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}