IDEAS home Printed from https://ideas.repec.org/a/col/000549/019260.html

Salud financiera en créditos hipotecarios mexicanos

Author

Listed:
  • Héctor Alonso Olivares-Aguayo
  • Maivelin M�ndez-Molina
  • Eduardo Madrigal-Castillo

Abstract

Si se desea adquirir un patrimonio familiar, la adquisición de crédito hipotecario conlleva una gran responsabilidad y un análisis previo, , pues la persona debe tener muy claras las condiciones y los factores que influyen cuando las entidades hipotecarias privadas, como las instituciones bancarias, o públicas, como el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (INFONAVIT) y el Fondo de la Vivienda del Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (FOVISSSTE) le otorguen el crédito. El principal riesgo se presenta en no poder cumplir con el pago delos intereses periódicos debido al bajo salario mensual que percibe el cliente. El objetivo de este artículo es examinar la salud financiera en créditos hipotecarios mexicanos - públicos y privados - a partir de un estudio de mercado con datos reales del 2015. El método empleado fue cuantitativo experimental y la metodología usada fue de amortización con periodicidad de pagos mensuales. El principal hallazgo de esta investigación se dio a través de evidencia empírica, donde se mostró que la población de clase media baja puede tener un alto riesgo de incumplimiento en sus créditos hipotecarios, dado a que su ingreso mensual va desde $2103 MXN hasta $6309 MXN. Por este motivo, la investigación buscó dar a conocer a este tipo de población los factores de riesgo a la hora de adquirir un crédito hipotecario. La conclusión es que únicamente en cuatro escenarios analizados, donde el interés total a pagar es menor al 50 % del valor de la propiedad, el cliente debe destinar al pago de su crédito hipotecario la cantidad de $10 000 MXN que, a marzo de 2015, equivalía aproximadamente a 4.75 salario mínimo vigente en el Distrito Federal (SMVDF).

Suggested Citation

  • Héctor Alonso Olivares-Aguayo & Maivelin M�ndez-Molina & Eduardo Madrigal-Castillo, 2021. "Salud financiera en créditos hipotecarios mexicanos," Revista CEA, Instituto Tecnológico Metropolitano, vol. 7(13), pages 1-31.
    • Handle: RePEc:col:000549:019260
    as

    Download full text from publisher

    File URL: https://revistas.itm.edu.co/index.php/revista-cea/article/view/1530
    Download Restriction: no
    ---><---

    References listed on IDEAS

    as
    1. Brett Fiebiger & Marc Lavoie, 2019. "Trend and business cycles with external markets: Non‐capacity generating semi‐autonomous expenditures and effective demand," Metroeconomica, Wiley Blackwell, vol. 70(2), pages 247-262, May.
    2. Bruno Albuquerque, 2019. "One Size Fits All? Monetary Policy and Asymmetric Household Debt Cycles in U.S. States," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 51(5), pages 1309-1353, August.
    3. Salim Dehmej & Leonardo Gambacorta, 2019. "Macroprudential Policy in a Monetary Union," Comparative Economic Studies, Palgrave Macmillan;Association for Comparative Economic Studies, vol. 61(2), pages 195-212, June.
    4. Petra Gerlach-Kristen & Rossana Merola, 2019. "Consumption and credit constraints: a model and evidence from Ireland," Empirical Economics, Springer, vol. 57(2), pages 475-503, August.
    5. Martins, António Miguel & Serra, Ana Paula & Stevenson, Simon, 2019. "Determinants of real estate bank profitability," Research in International Business and Finance, Elsevier, vol. 49(C), pages 282-300.
    6. Eichholtz, Piet & Holtermans, Rogier & Kok, Nils & Yönder, Erkan, 2019. "Environmental performance and the cost of debt: Evidence from commercial mortgages and REIT bonds," Journal of Banking & Finance, Elsevier, vol. 102(C), pages 19-32.
    7. Mariusz Jarmuzek & Rossen Rozenov, 2019. "Excessive private sector leverage and its drivers: evidence from advanced economies," Applied Economics, Taylor & Francis Journals, vol. 51(34), pages 3787-3803, July.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Benyan Tan & Yingzhu Guo & Yan Wu, 2024. "The influence and mechanism of female-headed households on household debt risk: empirical evidence from China," Humanities and Social Sciences Communications, Palgrave Macmillan, vol. 11(1), pages 1-15, December.
    2. Segev, Nimrod & Schaffer, Matthew, 2020. "Monetary policy, bank competition and regional credit cycles: Evidence from a quasi-natural experiment," Journal of Corporate Finance, Elsevier, vol. 64(C).
    3. Yuanyuan Liu & Shun Fu & Guanchun Liu & Xin Huang, 2026. "Green Bond Issuance and Corporate Environmental Disclosure: Signaling or Greenwashing?," Journal of Business Ethics, Springer, vol. 204(4), pages 825-854, April.
    4. Andreas Nastansky, 2025. "Einfluss der Vermögenspreise auf die Gewinne im deutschen Bankensektor: Eine ökonometrische Analyse," Statistische Diskussionsbeiträge 60, Universität Potsdam, Wirtschafts- und Sozialwissenschaftliche Fakultät.
    5. Yu, Qing & Hui, Eddie Chi-Man & Shen, Jianfu, 2024. "The real impacts of third-party certification on green bond issuances: Evidence from the Chinese green bond market," Journal of Corporate Finance, Elsevier, vol. 89(C).
    6. Segun Thompson Bolarinwa & Richard Olaolu Olayeni & Xuan Vinh Vo, 2021. "Is there a nonlinear relationship between nonperforming loans and bank profitability? Evidence from dynamic panel threshold," Managerial and Decision Economics, John Wiley & Sons, Ltd., vol. 42(3), pages 649-661, April.
    7. Zhu, Bo & Wang, Yiwei, 2024. "Green governance and stock price crash risk: Evidence from China," International Review of Economics & Finance, Elsevier, vol. 96(PB).
    8. Samarasinghe, Ama, 2023. "Stock market liquidity and bank stability," Pacific-Basin Finance Journal, Elsevier, vol. 79(C).
    9. repec:osf:osfxxx:9dcqp_v1 is not listed on IDEAS
    10. Duppati, Geeta, 2025. "Carbon pricing and revenue growth valuation risk exposure," International Review of Economics & Finance, Elsevier, vol. 103(C).
    11. Goran Karimi, 2020. "The Effect of Environmental Performance of Companies Listed on Tehran Stock Exchange on Debt Ratio," European Journal of Studies in Management and Business, EUROKD, vol. 14, pages 25-34.
    12. Jean-Charles Bricongne & Leonor Coutinho & Alessandro Turrini & Stefan Zeugner, 2020. "Is Private Debt Excessive?," Open Economies Review, Springer, vol. 31(2), pages 471-512, April.
    13. Massimo Postiglione & Cristian Carini & Alberto Falini, 2024. "ESG and firm value: A hybrid literature review on cost of capital implications from Scopus database," Corporate Social Responsibility and Environmental Management, John Wiley & Sons, vol. 31(6), pages 6457-6480, November.
    14. Olszak, Małgorzata & Kowalska, Iwona, 2023. "Do competition and market structure affect sensitivity of bank profitability to the business cycle?," Pacific-Basin Finance Journal, Elsevier, vol. 80(C).
    15. Marco Bernardini & Selien De Schryder & Gert Peersman, 2020. "Heterogeneous Government Spending Multipliers in the Era Surrounding the Great Recession," The Review of Economics and Statistics, MIT Press, vol. 102(2), pages 304-322, May.
    16. Stanislav Klazar & Barbora Slintáková, 2019. "Vliv zdanění příjmů na zadlužení nefinančních podniků [Influence of Income Taxation on Indebtedness of Non-financial Firms]," Politická ekonomie, Prague University of Economics and Business, vol. 2019(3), pages 253-272.
    17. Cepi Pahlevi & Andi Ruslan, 2019. "Effect of Market Structure and Financial Characteristics on Bank Performance in Indonesia," International Journal of Academic Research in Accounting, Finance and Management Sciences, Human Resource Management Academic Research Society, International Journal of Academic Research in Accounting, Finance and Management Sciences, vol. 9(3), pages 128-139, July.
    18. Malmierca, María, 2023. "Optimal macroprudential and fiscal policy in a monetary union," Economic Modelling, Elsevier, vol. 122(C).
    19. Guglielmo Maria Caporale & Luis Alberiko Gil-Alana & Maria Malmierca, 2021. "Persistence in the private debt-t -GDP ratio: evidence from 43 OECD countries," Applied Economics, Taylor & Francis Journals, vol. 53(43), pages 5018-5027, September.
    20. Carvalho, Daniel, 2020. "Leverage and valuation effects: How global liquidity shapes sectoral balance sheets," International Review of Financial Analysis, Elsevier, vol. 72(C).
    21. Li, Qinying & Gu, Xuesong, 2025. "The impact of green credit on the financial performance of green transformation enterprises: Based on the chain mediation effect of ESG," International Review of Economics & Finance, Elsevier, vol. 103(C).

    More about this item

    Keywords

    ;
    ;
    ;
    ;
    ;

    JEL classification:

    • E43 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Interest Rates: Determination, Term Structure, and Effects
    • F65 - International Economics - - Economic Impacts of Globalization - - - Finance
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:col:000549:019260. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Instituto Tecnológico Metropolitano (email available below). General contact details of provider: https://edirc.repec.org/data/feitmco.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.