[email\u00a0protected]<\/span><\/em><\/p>\n\nEl recorte del Banco de M\u00e9xico (Banxico) a la tasa de referencia en 0.25 puntos base, para ubicarla en 8%, contribuir\u00e1 a que no se incrementen m\u00e1s las tasas de inter\u00e9s para cr\u00e9ditos hipotecarios, dijo Sergio San Sebasti\u00e1n, director de Credimejora.<\/p>\n
\nDesde 2016, el Banxico comenz\u00f3 a subir su tasa de referencia, lo que impact\u00f3 de manera directa en la tasa para los cr\u00e9ditos hipotecarios, aunque gradualmente.<\/p>\n
\nEn febrero de 2016, la Tasa de Inter\u00e9s Interbancaria de Equilibrio (TIIE) estaba en 3.25% y la tasa promedio de los cr\u00e9ditos hipotecarios, en 9.3%.<\/p>\n
\nSin embargo, en julio de 2017, cuando el Banxico subi\u00f3 su tasa a 7%, la tasa promedio para cr\u00e9ditos hipotecarios subi\u00f3 a 10.3% y as\u00ed permaneci\u00f3 varios meses.<\/p>\n
\n\u201cHemos visto una correlaci\u00f3n entre la tasa de referencia del Banxico y el aumento a las tasas hipotecarias, pero en menor medida a lo que sube la tasa de referencia del Banco de M\u00e9xico\u201d, explic\u00f3 San Sebasti\u00e1n, y dijo: \u201cAhora, creo que vamos a ver una disminuci\u00f3n peque\u00f1a, no vamos a ver un cambio tan importante en las tasas hipotecarias porque los bancos han aguantado la tasa, pero ya no hay presiones para un alza y eso es positivo\u201d.<\/p>\n
\nHace tres semanas, Santander redujo su tasa de inter\u00e9s para personas de bajo riesgo, al pasar de 9.79% a 9.59%, pero son cr\u00e9ditos hipotecarios en los que el cliente s\u00f3lo va por 80% del valor del inmueble, es decir, aporta una mayor cantidad de enganche.<\/p>\n
\n\u201cEste banco ya reaccion\u00f3 con 20 puntos base menos para los clientes con menor riesgo, aunque cambiaron variables para determinar la tasa bajo otras condiciones\u201d, afirm\u00f3 San Sebasti\u00e1n.<\/p>\n
\nDe enero a abril, la banca comercial coloc\u00f3 38 mil 300 cr\u00e9ditos hipotecarios por un monto de 56 mil 200 millones de pesos, el n\u00famero de cr\u00e9ditos se increment\u00f3 0.7% respecto al mismo periodo del a\u00f1o anterior, aunque el monto se elev\u00f3 10.9%.<\/p>\n
\nLo anterior se debe a que ha subido el promedio de las hipotecas a medida que se ha elevado el precio de la vivienda, agreg\u00f3 el director general de Credimejora.<\/p>\n
\nPor el contrario, los institutos p\u00fablicos como Fovissste e Infonavit han disminuido su volumen de colocaci\u00f3n de cr\u00e9ditos.<\/p>\n
\nDe enero a abril, el Infonavit otorg\u00f3 94 mil 700 cr\u00e9ditos hipotecarios, 11.1% menos que el mismo periodo del a\u00f1o anterior; mientras que el Fovissste dio 13 mil 200 cr\u00e9ditos, 6.7% menos respecto al a\u00f1o anterior, seg\u00fan el Bolet\u00edn Estad\u00edstico Hipotecario de la Asociaci\u00f3n de Bancos de M\u00e9xico.<\/p>\n
\nEl cr\u00e9dito promedio solicitado a la banca comercial ronda 1.4 millones de pesos; en el Infonavit es de 420 mil pesos y en el Fovissste de 682 mil pesos.<\/p>\n
\n\u201cEl Infonavit y el Fovissste han disminuido su colocaci\u00f3n de cr\u00e9ditos, posiblemente por el cambio de gobierno, y eso le pega al mercado, pero la banca comercial sigue colocando cr\u00e9ditos\u201d.<\/p>\n
\nLa venta de vivienda media o de lujo sigue creciendo a tasas moderadas, pero la popular y econ\u00f3mica registra contracciones en casi todo el pa\u00eds.<\/p>\n<\/div>\n
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