Search by author, topic or keyword
Monetary policyInterest ratesMortgage

¿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”

 Austin, USA
13215 Bee Cave Pkwy, Ste. A240,
Austin, TX 78738
 Santiago, Chile
Rosario Norte 555, oficina 1604,
Las Condes

Members of:

This property and any marketing on the property are provided by Altafid and their affiliates.
Investment advisory services are provided by Innealta Capital, LLC, an investment adviser registered with the SEC. Please be aware that registration with the SEC does not in any way constitute an endorsement by the SEC of an investment adviser’s skill or expertise. Further, registration does not imply or guarantee that a registered adviser has achieved a certain level of skill, competency, sophistication, expertise or training in providing advisory services to its advisory clients.
Brokerage services for our advisory clients can be provided by Charles Schwab & Co., Inc. , Apex Clearing Corporation and Pershing LLC, each a SEC-registered broker-dealer and member of FINRA/SIPC. These broker-dealers are not affiliated with Altafid or its affiliates.
Please consider your objectives before investing. A diversified portfolio does not ensure a profit or protect against a loss. Past performance does not guarantee future results. Investment outcomes, simulations, and projections are forward-looking statements and hypothetical in nature. Neither this website nor any of its contents shall constitute an offer, solicitation, or advice to buy or sell securities in any jurisdictions where Innealta Capital, LLC is not registered. Any information provided prior to opening an advisory account is on the basis that it will not constitute investment advice and that we are not a fiduciary to any person by reason of providing such information.
Any descriptions involving investment process, portfolio construction or characteristics, investment strategies, research methodology or analysis, statistical analysis, goals, risk management are preliminary, provided for illustration purposes only, and are not complete and will not apply in all situations. The content herein may be changed at any time in our discretion . Performance targets or objectives should not be relied upon as an indication of actual or projected future performance.
Investment products and investments in securities are: NOT FDIC INSURED • NOT A DEPOSIT OR OTHER OBLIGATION OF,OR GUARANTEED BY A BANK • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities including possible loss of the principal amount invested. Before investing, consider your investment objectives and our fees and expenses. Our internet-based advisory services are designed to assist clients in achieving discrete financial goals. They are not intended to provide tax advice, nor financial planning with respect to every aspect of a client’s financial situation, and do not incorporate specific investments that clients hold elsewhere. Prospective and current clients should consult their own tax and legal advisers and financial planners. For more details, see links above to CRS (Part 3 of Form ADV) for natural person clients; Part 2A and 2B of Form ADV for all clients regarding important disclosures.
The IN logo is a registered trademark of LinkedIn Corporation and its affiliates.
©2023 All rights reserved. 1095-INN-06/23/2022