The mortgage loans They will grow this year around 7% and will grow close to 6% in 2026, Scotiabank estimated, highlighting the dynamism of this financial instrument.
According to the entity, in October these loans increased by 7%. In addition, he specified that the dynamism and solidity has been observed since the beginning of 2019, with which progress has been made on average 6.6% per year since that date.
“Starting in November, the effects of the eighth withdrawal of pension funds will be observed. In our report of September 22, we estimate that 0.10% of the withdrawn funds (around S/27 million) will be allocated for the initial payment of a home,” Scotiabank indicated.
By currency, the annual growth rate of mortgage credit in soles increased 8.11% in the tenth month of the year, while the loan in foreign currency (dollars) decreased by 6.62%.
In the analysis of mortgage loans by department, it is observed that the departments that grew the most were: Apurímac (17.77%), Puno (13.62%), Tumbes (11.65%), Junín (8.07%), Lima (7.91%) and Madre de Dios (7.43%).
While the departments where negative results were recorded were Cajamarca (-11.32%), Huancavelica (-9.69), Amazonas (-5.90%), Callao (-5.49%), Moquegua (-5.18%) and Tacna (-2.81%).
“The evolution of interest rates on mortgage loans has been reducing, due to actions in monetary policy. As of November, it stands at 7.91% in national currency, lower than its historical average at 8.39%, while the interbank rate in foreign currency stands at 6.81%, in line with a reference rate located at 4.25%,” Scotiabank said.
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