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Historia del Crédito Hipotecario en Colombia

Author

Listed:
  • Miguel Urrutia Montoya
  • Olga Marcela Namen LeÔøΩn

Abstract

Se hace una breve historia del crédito hipotecario en Colombia. La cuantificación se puede hacer a partir del ano 1923, una vez creados el Banco de la República y la Superintendencia Bancaria a raíz de las recomendaciones de la Misión Kemmerer. En los anos treinta y cuarenta la principal fuente de crédito para vivienda fue el Banco Central Hipotecario. En los anos 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 anos setenta en la era del UPAC el sector bancario formal financió el crédito de largo plazo para vivienda. A partir de los anos 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.

Suggested Citation

  • Miguel Urrutia Montoya & Olga Marcela Namen LeÔøΩn, 2011. "Historia del Cr√©dito Hipotecario en Colombia," Documentos CEDE 8729, Universidad de los Andes, Facultad de Economía, CEDE.
    • Handle: RePEc:col:000089:008729
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    File URL: https://repositorio.uniandes.edu.co/bitstream/handle/1992/8221/dcede2011-04.pdf
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    Cited by:

    1. Jos√© Osler Alzate Mahecha, 2013. "Sudden stops in emerging markets: How to minimize their impact on GDP?," Documentos CEDE 10547, Universidad de los Andes, Facultad de Economía, CEDE.
    2. Milton Camelo Rincón & Jacobo Campo Robledo, 2016. "Modelo de consumo de vivienda óptimo: estimaciones para Bogotá," Revista Facultad de Ciencias Económicas, Universidad Militar Nueva Granada, vol. 25(1), pages 75-93.
    3. Milton Camelo Rincón & Jacobo Campo Robledo, 2013. "Bases de una política de vivienda sostenible y adecuada para el barrio La Paz en Bogotá," Documentos de Trabajo 12401, Universidad Católica de Colombia.
    4. 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.

    More about this item

    Keywords

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    JEL classification:

    • R21 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Household Analysis - - - Housing Demand
    • R38 - Urban, Rural, Regional, Real Estate, and Transportation Economics - - Real Estate Markets, Spatial Production Analysis, and Firm Location - - - Government Policy

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