{"id":32808,"date":"2026-11-01T09:33:44","date_gmt":"2026-11-01T12:33:44","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=32808"},"modified":"2026-11-01T09:33:44","modified_gmt":"2026-11-01T12:33:44","slug":"el-gobierno-analiza-destinar-mas-fondos-a-los-bancos-para-impulsar-el-credito-hipotecario","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=32808","title":{"rendered":"El Gobierno analiza destinar m\u00e1s fondos a los bancos para impulsar el cr\u00e9dito hipotecario"},"content":{"rendered":"<div class=\"ai-tools\"><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-listen\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M14.99 9.22417C14.89 8.65466 14.5799 8.25501 14.0497 8.0352C14.0096 8.01522 13.9696 7.94528 13.9696 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d=\"M5.08646 8.4948C5.04645 8.18507 4.74634 7.98525 4.45623 8.06518C4.21615 8.13512 4.0761 8.32495 4.0761 8.60471C4.0761 9.40401 4.0761 10.2133 4.0761 11.0126C4.0761 11.8119 4.0761 12.6312 4.0761 13.4505C4.0761 13.8401 4.44623 14.0899 4.78635 13.9401C5.03644 13.8301 5.10647 13.6203 5.10647 13.3606C5.10647 11.8019 5.10647 10.2333 5.10647 8.67464C5.10647 8.6147 5.10647 8.55475 5.09646 8.4948H5.08646Z\" fill=\"#e46211\"><\/path><path d=\"M11.2587 8.08516C11.0386 8.16509 10.9185 8.36492 10.9185 8.66465C10.9185 10.2333 10.9185 11.8119 10.9185 13.3805C10.9185 13.4405 10.9185 13.4904 10.9285 13.5504C10.9586 13.7902 11.1686 13.98 11.4087 13.99C11.7188 14 11.9489 13.7802 11.9489 13.4405C11.9489 12.6412 11.9489 11.8319 11.9489 11.0326V10.1933C11.9489 9.65379 11.9489 9.10427 11.9489 8.56474C11.9489 8.19506 11.5888 7.95527 11.2587 8.08516Z\" fill=\"#e46211\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Escuchar<\/span><\/button><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-keypoints\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5.99679 1H12.4609C13.0887 1 13.6 1.52731 13.6 2.17489V13.8251C13.6 14.4727 13.0887 15 12.4609 15H3.53913C2.91126 15 2.39999 14.4727 2.39999 13.8251V9.19802V4.57092L5.99679 1Z\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M2.39999 5.38502H6.94416V3.94555V1\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M10.491 12.2L5.50657 12.2C5.32834 12.2 5.2037 11.8667 5.20008 11.517C5.19587 11.1484 5.32111 10.8 5.50657 10.8L10.4813 10.8C10.6632 10.8 10.795 11.105 10.7998 11.4804C10.8047 11.8341 10.6842 12.2 10.491 12.2Z\" fill=\"#e46211\"><\/path><path d=\"M10.491 9.4L5.50657 9.4C5.32834 9.4 5.2037 9.0666 5.20008 8.71694C5.19587 8.34831 5.32111 8 5.50657 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2.94202C11.9524 3.32501 12.1244 3.68637 12.6199 4.0387C12.813 4.1759 13.0533 4.26585 13.323 4.34534C13.5791 4.42077 13.8884 4.49238 14.1492 4.58362C14.4177 4.6776 14.6844 4.80688 14.8826 5.02698C15.086 5.25292 15.1994 5.55472 15.2 5.95667C15.2005 6.36975 15.0629 6.67221 14.8289 6.89612C14.6041 7.11103 14.3039 7.24024 14.0056 7.34241C13.8552 7.39392 13.6973 7.44108 13.5447 7.48792C13.3904 7.53527 13.2391 7.5828 13.0935 7.63733C12.801 7.74696 12.5446 7.87952 12.3503 8.07385C12.0286 8.39622 11.9022 8.69439 11.8142 9.0094C11.7284 9.31674 11.669 9.70188 11.4919 10.0973C11.021 11.1507 9.52066 11.2437 8.96753 10.2555L8.91675 10.1569C8.78168 9.86581 8.70167 9.59099 8.63452 9.34045C8.56606 9.08502 8.51334 8.86637 8.43335 8.65979C8.3555 8.45883 8.25391 8.27717 8.09253 8.10901C7.93025 7.94001 7.69993 7.776 7.35522 7.62073H7.35425C7.21051 7.55596 7.0298 7.5073 6.82104 7.45471C6.61857 7.40371 6.39051 7.3487 6.17847 7.27405C5.75409 7.12455 5.32309 6.86818 5.22729 6.30334C5.147 5.82785 5.20205 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srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=992&amp;height=558&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=768&amp;height=432&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=577&amp;height=325&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=420&amp;height=236&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Seg\u00fan el Banco Central de Reserva del Per\u00fa, en enero de 2026 la tasa promedio de los cr\u00e9ditos hipotecarios en moneda nacional alcanz\u00f3 el 7,47%.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"1080\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/4TZIMQ3BTBD7RHULEVCJ3LUXZA.jpg?auth=aeea57a5bec65cca7b0830ddbe929f85c13ed0ad26aa0ed3dfcb221e91f2208f&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" width=\"1920\"><\/picture><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">01 Nov, 2026 07:23 a. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 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15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">A pesar de que solo se realizaron dos <a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/26\/caputo-anuncio-medidas-para-impulsar-el-credito-hipotecario-con-fondos-de-la-anses\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/26\/caputo-anuncio-medidas-para-impulsar-el-credito-hipotecario-con-fondos-de-la-anses\/\">licitaciones<\/a> del Fondo de Garant\u00eda de Sustentabilidad (FGS), el equipo econ\u00f3mico ya eval\u00faa cambios ante el comportamiento de los bancos al buscar fondeo para otorgar cr\u00e9ditos hipotecarios. El viceministro de Econom\u00eda, <b>Jos\u00e9 Luis Daza<\/b>, admiti\u00f3 que analizan estirar los plazos de colocaci\u00f3n y avanzar con nuevas l\u00edneas junto a organismos internacionales.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">El funcionario hizo esa referencia durante una entrevista en el Club de Inversiones con el economista <b>Miguel \u00c1ngel Boggiano<\/b>. All\u00ed explic\u00f3 que las dos convocatorias del FGS mostraron una concentraci\u00f3n de las ofertas en el segmento de cinco a\u00f1os, frente a una participaci\u00f3n menor de la alternativa de un a\u00f1o.<\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">\u201c<b>El horizonte por ahora es cinco a\u00f1os; estamos contemplando dar m\u00e1s largo, pero todav\u00eda no se decidi\u00f3, pero es muy posible<\/b>\u201d, afirm\u00f3 Daza. La posibilidad de ampliar la duraci\u00f3n de los recursos surgi\u00f3 despu\u00e9s de que las entidades financieras priorizaron el tramo m\u00e1s extenso de las licitaciones.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=992&amp;height=558&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=768&amp;height=432&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=577&amp;height=325&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=420&amp;height=236&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"panel de bancos IIF\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1080\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/W4X2TI4FINEBVDRCT6GRMKNJOQ.jpg?auth=9d18cb913121ce6991f2cb6a4d06bc714b2a945d58dd83a9d9aafe05cff72614&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" width=\"1920\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">El esquema se dise\u00f1\u00f3 para resolver un descalce de plazos que enfrentan los bancos al momento de ofrecer pr\u00e9stamos para vivienda. Las entidades disponen de fondeo de menor duraci\u00f3n, mientras que un cr\u00e9dito hipotecario requiere recursos disponibles durante varios a\u00f1os.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"5\">En agosto, el equipo econ\u00f3mico anunci\u00f3 licitaciones por $2 billones con recursos del FGS. El programa estableci\u00f3 convocatorias de $200.000 millones para que los bancos accedan a fondos destinados a sostener la expansi\u00f3n del cr\u00e9dito hipotecario.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"cambios-en-el-mecanismo\">Cambios en el mecanismo<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"6\">Hasta el momento en cada licitaci\u00f3n se ofrecen dos alternativas: la primera cuenta con un plazo de un a\u00f1o y una tasa m\u00ednima de <b>UVA + 2,5%<\/b>. La segunda fija una duraci\u00f3n de cinco a\u00f1os y una tasa m\u00ednima de <b>UVA + 4,5 por ciento<\/b>.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"7\">El dise\u00f1o de ambos segmentos permiti\u00f3 que las entidades presentaran sus ofertas seg\u00fan el plazo de los cr\u00e9ditos que proyectan otorgar. La preferencia por el tramo de mayor duraci\u00f3n qued\u00f3 reflejada en el resultado de las dos colocaciones realizadas hasta el momento. Daza se\u00f1al\u00f3 que, en la \u00faltima licitaci\u00f3n, el <b>98% <\/b>de los bancos tom\u00f3 recursos a cinco a\u00f1os. \u201c<b>La parte de un a\u00f1o fue muy poquita<\/b>\u201d, sostuvo el viceministro al describir la distribuci\u00f3n de las propuestas recibidas.<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"8\">La mayor demanda del segmento de cinco a\u00f1os qued\u00f3 entre los factores que el equipo econ\u00f3mico analiza para evaluar una extensi\u00f3n del horizonte de las futuras colocaciones. Daza indic\u00f3 que esa decisi\u00f3n todav\u00eda no se tom\u00f3, aunque consider\u00f3 posible que se ofrezcan recursos a plazos superiores.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"9\">\u201cEs algo razonable. El FGS no tiene pasivos con plazos, con lo cual puede invertir a largo plazo. Ademas al ser UVA + algo m\u00e1s siempre se garantiza retorno positivo\u201d, coment\u00f3 una importante fuente del sector bancario en<i> off the record<\/i> a <b>Infobae<\/b>. Para quien el hecho de que hoy los dep\u00f3sitos sean a cinco a\u00f1o pero se exijan hipotecas a 15 deja un periodo de muy largo de gap de liquidez. \u201c<b>Ser\u00eda m\u00e1s logico (y generaria m\u00e1s interes de los bancos) que depositen a 10 a 15 a\u00f1os<\/b>\u201d, agreg\u00f3.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"tasas-mas-bajas\">Tasas m\u00e1s bajas<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"10\">El funcionario tambi\u00e9n describi\u00f3 cambios en las tasas que los bancos ofrec\u00edan antes de acceder a este fondeo. Seg\u00fan explic\u00f3, las entidades presentaban condiciones muy diferentes entre s\u00ed: algunas prestaban a <b>UVA + 12%<\/b> y otras a <b>UVA + 9%<\/b>. \u201c<b>Con esto convergieron y muchos de los bancos comenzaron a bajar su tasa incluso por debajo de 7,5%<\/b>\u201d, afirm\u00f3. La referencia apunt\u00f3 a las condiciones de los pr\u00e9stamos hipotecarios tras la puesta en marcha de las licitaciones del FGS.<\/p>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=992&amp;height=558&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=768&amp;height=432&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=577&amp;height=325&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=420&amp;height=236&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"El viceministro de Econom\u00eda, Jos\u00e9 Luis Daza, destac\u00f3 que con las licitaciones del FGS las tasas de los cr\u00e9ditos hipotecarios bajaron. \" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1080\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/53PAHFDBUBCVNH3DXITYJ2HKS4.jpg?auth=ca8a6274192971a262cd42d0b2b3e47aa28329404afb557c46b21fb381be61c3&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" width=\"1920\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"11\">La primera licitaci\u00f3n se realiz\u00f3 el 7 de septiembre. En esa convocatoria, se adjudicaron <b>$200.000 millones a 13 bancos<\/b>. El tramo a un a\u00f1o cerr\u00f3 con una tasa de<b> UVA + 2,67%<\/b>, mientras que el segmento a cinco a\u00f1os alcanz\u00f3 una tasa de <b>UVA + 4,94 por ciento<\/b>.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"12\">La segunda licitaci\u00f3n se desarroll\u00f3 el 6 de octubre y adjudic\u00f3 el mismo monto. En este caso, los fondos se distribuyeron entre 12 bancos. La tasa del tramo a un a\u00f1o subi\u00f3 a <b>UVA + 2,71%<\/b>, mientras que la del segmento a cinco a\u00f1os baj\u00f3 a <b>UVA + 4,79% por ciento<\/b>.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"13\">La variaci\u00f3n de las tasas coincidi\u00f3 con la concentraci\u00f3n de propuestas en el segmento m\u00e1s largo. El equipo econ\u00f3mico tom\u00f3 nota de esa preferencia y estudia cambios en las pr\u00f3ximas licitaciones para adecuar el mecanismo a la demanda de las entidades financieras.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"nuevas-licitaciones\">Nuevas licitaciones<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"14\">Daza afirm\u00f3 que el mecanismo funciona como un primer paso dentro de una estrategia que contempla otras fuentes para ampliar los canales de cr\u00e9dito. \u201cVamos a hacer muchas cosas, muchas fuentes por las cuales se abren canales para que puedan fluir el ahorro o generar\u201d, expres\u00f3.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"15\">El viceministro sostuvo que el programa de licitaciones todav\u00eda se encuentra en una etapa incipiente y que los recursos del FGS no resolver\u00e1n por s\u00ed solos las dificultades vinculadas al cr\u00e9dito hipotecario. \u201c\u00bfVa a solucionar el problema? No, pero es un primer paso\u201d, se\u00f1al\u00f3 el funcionario. La evaluaci\u00f3n del equipo econ\u00f3mico contempla la continuidad del esquema y posibles modificaciones sobre los plazos de las colocaciones.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"16\">Entre las l\u00edneas de trabajo que mencion\u00f3, Daza incluy\u00f3 conversaciones con los <b>EFG<\/b> y el <b>Banco Mundial<\/b>. El objetivo es dise\u00f1ar otros mecanismos de licitaci\u00f3n para otorgar cr\u00e9dito, adem\u00e1s de las convocatorias que utilizan recursos del FGS.<\/p>\n<div class=\"ad_5 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_5\" data-ad-slot=\"infobae\/economia\/nota\/ad_5\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_5\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_5\" class=\"infobae\/economia\/nota\/ad_5 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_5\"><\/div>\n<\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"efectos-en-el-mercado\">Efectos en el mercado<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"17\">Como ejemplo de los efectos en el mercado, el Banco Ciudad particip\u00f3 de las dos licitciones y seg\u00fan comentaron a <b>Infobae<\/b> fuentes oficiales de la entidad se\u00f1alaron ya se utilizaron todos los recursos que obtuvo en la primera convocatoria. As\u00ed, entre septiembre y octubre, Banco Ciudad concret\u00f3 <b>200 hipotecas escrituradas por $16.800 millones<\/b> a partir del fondeo recibido mediante el FGS. Esas operaciones tambi\u00e9n contaron con una subvenci\u00f3n sobre la tasa para la compra de primera vivienda, lo que permite que esos pr\u00e9stamos queden en una tasa de <b>UVA + 6,5 por ciento<\/b>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EscucharPuntos claveResumen 01 Nov, 2026 07:23 a. m. EST Guardar A pesar de que solo se realizaron dos licitaciones del Fondo de Garant\u00eda de Sustentabilidad (FGS), el equipo econ\u00f3mico ya eval\u00faa cambios ante el comportamiento de los bancos al buscar fondeo para otorgar cr\u00e9ditos hipotecarios. El viceministro de Econom\u00eda, Jos\u00e9 Luis Daza, admiti\u00f3 que analizan [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":24529,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-32808","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/32808","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=32808"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/32808\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/24529"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=32808"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=32808"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=32808"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}