Créditos hipotecarios en Guayaquil, 2008-2010. El caso Banco del Pacífico producto mi primera casa.
Fecha
2011-10
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Universidad de Guayaquil. Facultad de Ciencias Económicas
Resumen
El presente trabajo está estructurado en tres capítulos que, en resumen,
enfocan los siguientes aspectos:
El Capítulo I presenta los antecedentes del estudio y aspectos generales del
sector inmobiliario: demanda y oferta.
El Capítulo II aborda el marco empírico, el cual básicamente consiste en el
análisis del financiamiento de la vivienda en Guayaquil, la oferta financiera, la
tendencia del crédito otorgada por el Banco del Pacífico durante el período
2005 al 2007.
El Capítulo III presenta la visión actual de los créditos hipotecarios, evolución
de los productos del Banco del Pacífico, entre el periodo de análisis 2008 al
2010, y el de referencia, 2005 al 2007, se presentan los resultados obtenidos
y se formulan las conclusiones y recomendaciones.
The present work is structured in three chapters that, in summary, focus on the following aspects: Chapter I presents the background of the study and general aspects of the real estate sector: demand and supply. Chapter II addresses the empirical framework, which basically consists of the analysis of the financing of housing in Guayaquil, the financial offer, the trend of credit granted by Banco del Pacífico during the period 2005 to 2007. Chapter III presents the current vision of mortgage loans, evolution of Banco del Pacífico products, between the period of analysis 2008 to 2010, and the reference, 2005 to 2007, the results obtained are presented and conclusions and recommendations are formulated.
The present work is structured in three chapters that, in summary, focus on the following aspects: Chapter I presents the background of the study and general aspects of the real estate sector: demand and supply. Chapter II addresses the empirical framework, which basically consists of the analysis of the financing of housing in Guayaquil, the financial offer, the trend of credit granted by Banco del Pacífico during the period 2005 to 2007. Chapter III presents the current vision of mortgage loans, evolution of Banco del Pacífico products, between the period of analysis 2008 to 2010, and the reference, 2005 to 2007, the results obtained are presented and conclusions and recommendations are formulated.
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SECTOR INMOBILIARIO, DEMANDA Y OFERTA
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