¿Subirán o alcanzaron un punto de inflexión? ¿De qué depende?: Proyecciones para tasas de hipotecarios en 2023

En noviembre las tasas de créditos hipotecarios alcanzaron su nivel más alto en catorce años, debido al impacto de los retiros de fondos previsionales y la política contractiva del Banco Central, entre otras razones. Según los últimos datos, la tasa disminuyó en diciembre a 4,4% desde 4,6% en el mes anterior. Aunque esta baja es positiva, las tasas todavía están lejos del récord histórico de 1,99% que se alcanzó en octubre de 2019.

Consultado acerca de la trayectoria futura de las tasas de créditos hipotecarios, Sebastián Ronda, Economista de Altafid, comentó a Emol que “la trayectoria de la tasa de política monetaria del Banco Central será fundamental para proyectar el comportamiento de las tasas de los créditos hipotecarios”.

De este modo, estima que “las tasas de créditos hipotecarias disminuirán durante el 2023, especialmente en el segundo semestre”, aunque esto no está exento de riesgos: “los escenarios de riesgo provienen principalmente del exterior, entre ellos está un recrudecimiento de la guerra en Ucrania y nuevas disrupciones en las cadenas de suministros provenientes de China”

Related authors: Sebastián Ronda

Full article: https://www.emol.com/noticias/Economia/2023/01/13/1083715/tasas-hipotecarios-proyecciones-2023.html

Media: Emol

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