{"id":1037,"date":"2016-08-21T09:00:32","date_gmt":"2016-08-21T07:00:32","guid":{"rendered":"http:\/\/blog.donpiso.com\/?p=1037"},"modified":"2016-08-19T11:16:59","modified_gmt":"2016-08-19T09:16:59","slug":"1037-2","status":"publish","type":"post","link":"https:\/\/blog.donpiso.com\/1037-2\/","title":{"rendered":"S\u00f3lo un 5% de los cr\u00e9ditos ligados a la vivienda est\u00e1 en situaci\u00f3n de impago"},"content":{"rendered":"

La recuperaci\u00f3n econ\u00f3mica sigue dej\u00e1ndonos datos macroecon\u00f3micos positivos. Seg\u00fan datos del Banco de Espa\u00f1a, al cierre del primer trimestre del a\u00f1o hab\u00eda en situaci\u00f3n de mora hasta 26.389 millones de euros en cr\u00e9ditos vinculados a la compra o rehabilitaci\u00f3n de una casa. Aunque pueda parecer una cifra muy alta, se trata de la cifra m\u00e1s baja desde 2012, a\u00f1o en el que se situ\u00f3 en 25.321 millones, y es muy inferior a la que registra el sector financiero de media. De hecho, acumula una reducci\u00f3n de hasta 7.332 millones en apenas un a\u00f1o. Esto significa que al final de marzo de 2015, los cr\u00e9ditos en mora ligados a la vivienda estaban por encima de los 33.700 millones de euros.<\/p>\n

\u00bfY qu\u00e9 cantidad supone la mora sobre el saldo de un cr\u00e9dito relativo a una vivienda? La respuesta es un 4,7%. Esto implica que ni siquiera el 5% del volumen total de cr\u00e9ditos en circulaci\u00f3n destinados a la compra de inmuebles se encuentra en situaci\u00f3n de impago. En el \u00faltimo trimestre de 2015, la tasa de morosidad en cr\u00e9ditos de vivienda afectaba al 4,85% del total, lo que demuestra que el descenso es sostenido.<\/p>\n

Si se compara con otros mercados, la tasa de mora es muy inferior a la que registra el sector financiero de media, por ejemplo. El Banco de Espa\u00f1a asegura que en el mes de junio el ratio de impago de este sector se situ\u00f3 en el 9,44%, por lo que casi duplica a la estad\u00edstica de la vivienda. Este promedio est\u00e1 en m\u00ednimos de los \u00faltimos cuatro a\u00f1os, antes de que Europa concediera a Espa\u00f1a un pr\u00e9stamo especial para evitar el colapso del sistema. No obstante, pese a la mejor\u00eda sist\u00e9mica general, del total de cr\u00e9ditos morosos que soporta la banca dom\u00e9stica, actualmente unos 118.000 millones de euros, el 22% est\u00e1 ligado a la compra o rehabilitaci\u00f3n de viviendas.<\/p>\n","protected":false},"excerpt":{"rendered":"

La recuperaci\u00f3n econ\u00f3mica sigue dej\u00e1ndonos datos macroecon\u00f3micos positivos. Seg\u00fan datos del Banco de Espa\u00f1a, al cierre del primer trimestre del a\u00f1o hab\u00eda en situaci\u00f3n de mora hasta 26.389 millones de euros en cr\u00e9ditos vinculados a la compra o rehabilitaci\u00f3n de una casa. Aunque pueda parecer una cifra muy alta, se trata de la cifra m\u00e1s […]<\/p>\n","protected":false},"author":2,"featured_media":920,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"acf":[],"yoast_head":"\nS\u00f3lo un 5% de los cr\u00e9ditos ligados a la vivienda est\u00e1 en impago<\/title>\n<meta name=\"description\" content=\"Seg\u00fan datos del Banco de Espa\u00f1a, al cierre del primer trimestre del a\u00f1o hab\u00eda en situaci\u00f3n de mora hasta 26.389 millones de euros.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.donpiso.com\/1037-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"S\u00f3lo un 5% de los cr\u00e9ditos ligados a la vivienda est\u00e1 en impago\" 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