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Historia del Crédito Hipotecario en Colombia

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  • Miguel Urrutia Montoya

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  • Olga Marcela Namen León

Abstract

Se hace una breve historia del crédito hipotecario en Colombia. La cuantificación se puede hacer a partir del año 1923, una vez creados el Banco de la República y la Superintendencia Bancaria a raíz de las recomendaciones de la Misión Kemmerer. En los años treinta y cuarenta la principal fuente de crédito para vivienda fue el Banco Central Hipotecario. En los años cincuenta y sesenta esta fuente fue complementada por el Instituto de Crédito Territorial, y el crédito bancario para vivienda diferente al BCH era mínimo. Sólo a partir de los años setenta en la era del UPAC el sector bancario formal financió el crédito de largo plazo para vivienda. A partir de los años noventa el estado da subsidios a familias de bajos ingresos para que estas puedan acceder al crédito para compra de vivienda de interés social. Finalmente, se ensaya promover la construcción durante la crisis económica de 2008 creando un subsidio de tasa de interés para la compra de vivienda popular.

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File URL: http://economia.uniandes.edu.co/publicaciones/dcede2011-04.pdf
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Bibliographic Info

Paper provided by UNIVERSIDAD DE LOS ANDES-CEDE in its series DOCUMENTOS CEDE with number 008729.

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Length: 26
Date of creation: 06 Feb 2011
Date of revision:
Handle: RePEc:col:000089:008729

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Keywords: Crédito hipotecario; Política de vivienda; Colombia;

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  1. Nicolás Cuervo & Samuel Jaramillo, 2009. "Dos décadas de política de vivienda en Bogotá apostando por el mercado," DOCUMENTOS CEDE 006651, UNIVERSIDAD DE LOS ANDES-CEDE.
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Cited by:
  1. José Osler Alzate Mahecha, 2013. "Sudden stops in emerging markets: How to minimize their impact on GDP?," DOCUMENTOS CEDE 010547, UNIVERSIDAD DE LOS ANDES-CEDE.
  2. Roger Sandilands, 2011. "Social Housing Policies in Latin America and Singapore: Lessons for China," Working Papers 1132, University of Strathclyde Business School, Department of Economics.

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