{"id":117,"date":"2009-03-26T12:30:00","date_gmt":"2009-03-26T12:30:00","guid":{"rendered":"http:\/\/www.vivirenalcorcon.com\/nueva-web\/blog\/2009\/03\/26\/tenemos-o-no-tenemos-credito\/"},"modified":"2009-03-26T12:30:00","modified_gmt":"2009-03-26T12:30:00","slug":"tenemos-o-no-tenemos-credito","status":"publish","type":"post","link":"https:\/\/www.nuevomilenio-inmo.com\/blog\/tenemos-o-no-tenemos-credito\/","title":{"rendered":"\u00bfTenemos o no tenemos cr\u00e9dito?"},"content":{"rendered":"<p>Frecuentemente converso con clientes acerca de si las entidades bancarias dan o no dan realmente cr\u00e9dito, pues bien paso a contaros mi versi\u00f3n de los hechos:<br \/>El objeto de negocio de la banca es precisamente captar dep\u00f3sitos a corto para con ellos prestar a largo, no hay m\u00e1s, todo lo dem\u00e1s que ofrecen son meras herramientas de captaci\u00f3n de clientes. Por tanto la situaci\u00f3n actual, donde todas las entidades continuan endurecido dr\u00e1sticamente sus condiciones para la concesi\u00f3n de cr\u00e9dito de cualquier tipo, responden -a d\u00eda de hoy- (no de hace 6-12 meses donde la incertidumbre sobre la evoluci\u00f3n de los mercados era el factor principal limitador) <strong>a la evoluci\u00f3n negativa de la morosidad. <\/strong>Si una empresa que fabrica y vende por ejemplo sillas, resulta que en menos de 6 meses se encuentra que los clientes que no le pagan las facturas se multiplican por cinco, autom\u00e1ticamente cambiar\u00eda sus pol\u00edticas de suministro y mirar\u00eda con lupa a qui\u00e9n le sirve las sillas y si le da facilidades de pago o si mejor requiere el pago en efectivo a la entrega. Pues de alguna forma esto es lo que le ocurre a la banca, que mientras la evoluci\u00f3n de la morosidad siga siendo la actual, es decir, cada vez tasas m\u00e1s altas, ellos seguir\u00e1n endureciendo sus condiciones y mirando con lupa cualquier operaci\u00f3n crediticia.<\/p>\n<p>Podr\u00edamos entrar en discusi\u00f3n acerca de la quiz\u00e1s necesaria corresponsabilidad con sus actos anteriores donde las valoraciones de riesgo eran m\u00e1s que dudosas y el dinero flu\u00eda sin parar, pero lo cierto es que hoy, mientras la morosidad y el valor de los activos inmobiliarios no tienda claramente a estabilizarse, su pol\u00edtica de concesi\u00f3n de cr\u00e9dito no va a cambiar facilmente. S\u00f3lo la certeza de que en ambos factores la banca tiene mucho que decir (ya que la concesi\u00f3n de cr\u00e9dito condiciona la actividad econ\u00f3mica y la valoraci\u00f3n inmobiliaria ha estado y est\u00e1 claramente condicionada por la banca) nos da esperanza de que, unido al apoyo del estado, la previsible normalizaci\u00f3n burs\u00e1til a medio plazo y al empuje natural del espa\u00f1olito, que sin duda es buen comprador-consumidor, marque el comienzo del fin de esta negativa din\u00e1mica. Desde luego que por ganas y necesidad de todos no va a ser.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Frecuentemente converso con clientes acerca de si las entidades bancarias dan o no dan realmente cr\u00e9dito, pues bien paso a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[50],"tags":[],"class_list":["post-117","post","type-post","status-publish","format-standard","hentry","category-alcorcon"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfTenemos o no tenemos cr\u00e9dito? 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