Análisis de los créditos hipotecarios otorgados a los hogares de bajos ingresos en Bogotá, durante 2010-2013: Estudio de caso Banco Colpatria

Abstract

This research analyzes the financial impact of mortgage loans in the economy of low-income households in Bogotá, during the period 2010-2013, based on the case study Banco Colpatria. To do this, through the methodological design proposed and supported on quantitative methods with descriptive statistics, it is allowed to validate the research hypothesis which stated that: Levels of acquisition and payment of housing in low-income families, have negatively impacted the economy households, due to the cost of mortgages and housing values. As for the results, the most important is: the average loan approved for housing represents 65% of requested, but social housing (VIS) is equivalent to 34.8% of those requested, representing only 1.8% of the total appropriations requested, being a negative for the credit policy of the state social factor; the average interest housing finance is equivalent to 13.5% EA and 12.4% VIS is E.A .; the average income of low-income families is $ 537.000 in average for person and financed up to 50 MM of different alternatives such as UVR, weights, Leasing, among others; Credit embargoes equivalent on average to 0.25% as opposed to loans VIS, representing 100%, inferring that it is not good business for the banking sector, in addition to the obvious difficulty of paying guests to be evidence this type of credit. Thus, it appears that a mortgage credit in low-income negative as compared to the average income, the monthly occupies 60% of it, which creates difficulty for the payment of the obligation.