Incremento del crédito de la banca privada en Guayaquil 2009 - 2010 y su incidencia en el sector de la construcción de vivienda
Fecha
2011-10-06
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Universidad de Guayaquil Facultad de Ciencias Económicas
Resumen
El crédito privado registra un importante crecimiento habitacional
durante los últimos años, debido a que diversas instituciones
incluyendo el Estado han brindado la facilidad al acceso de créditos
los cuales han beneficiado a familias de clase baja, media y media
alta y a varios sectores productivos de la economía. Este trabajo de
investigación tiene como objetivo analizar las principales causas
que han contribuido a este crecimiento y a la participación de la
banca privada y pública en los proyectos de vivienda que se han
llevado a cabo en el Ecuador, la evolución de los depósitos en el
país muestra un mercado en constante crecimiento aún a pesar de
la crisis financiera que se observó a finales del 2008, con la finalidad
de preservar la liquidez, se han reducido los plazos de las
operaciones y se han aumentado los requisitos y garantías
solicitadas a las personas que desean adquirir su vivienda esto
también involucran los materiales y componentes constructivos que
se emplean para ella, sin embargo ha existido un cambio total en ya
que no se pretende generar un mercado volátil de tasas para este
sector porque afectaría la rentabilidad de los créditos hipotecarios en
el largo plazo. Sin embargo el sector inmobiliario experimenta un
proliferante crecimiento, impulsado por la Banca Privada y Pública.
Private credit growth recorded significant housing in recent years, due to various institutions including the State have provided ease credit access which benefited lower-class families, middle and high and several productive sectors of the economy. This work of research is to analyze the main causes who have contributed to this growth and participation private banks and public housing projects that have been carried out in Ecuador, the evolution of deposits in the country shows a growing market even though financial crisis was observed in late 2008, with the aim to preserve liquidity, have reduced the time required for operations, and increased collateral requirements and applied to people who want to buy your home this also involve construction materials and components that are used to it, though there has been a total change and it is not intended to generate a volatile market rate for this industry because it would affect the profitability of mortgage loans
Private credit growth recorded significant housing in recent years, due to various institutions including the State have provided ease credit access which benefited lower-class families, middle and high and several productive sectors of the economy. This work of research is to analyze the main causes who have contributed to this growth and participation private banks and public housing projects that have been carried out in Ecuador, the evolution of deposits in the country shows a growing market even though financial crisis was observed in late 2008, with the aim to preserve liquidity, have reduced the time required for operations, and increased collateral requirements and applied to people who want to buy your home this also involve construction materials and components that are used to it, though there has been a total change and it is not intended to generate a volatile market rate for this industry because it would affect the profitability of mortgage loans
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BANCOS PRIVADOS, VIVIENDA, INDUSTRIA DE LA CONSTRUCCIÓN, GUAYAQUIL