{"id":92,"date":"2010-12-16T23:07:00","date_gmt":"2010-12-16T23:07:00","guid":{"rendered":"http:\/\/www.vivirenalcorcon.com\/nueva-web\/blog\/2010\/12\/16\/a-que-juegan-los-bancos\/"},"modified":"2015-10-19T10:16:17","modified_gmt":"2015-10-19T10:16:17","slug":"a-que-juegan-los-bancos","status":"publish","type":"post","link":"https:\/\/www.nuevomilenio-inmo.com\/blog\/a-que-juegan-los-bancos\/","title":{"rendered":"\u00bfA qu\u00e9 juegan los bancos?"},"content":{"rendered":"<p>Cerramos el a\u00f1o con un mercado inmobiliario todav\u00eda inestable, pero d\u00f3nde claramente la demanda ha tomado nuevas posiciones desde las de 2008, haciendo que en algunas zonas sin sobreoferta los precios se est\u00e9n estabilizando. En mi zona de influencia por ejemplo, los precios medios han rebotado desde los m\u00ednimos de primeros de 2009 en torno a un 2-3% de promedio, es decir, en torno a la inflaci\u00f3n. Est\u00e1 claro que hay zonas y barrios que todav\u00eda no se han estabilizado, pero eso tiene que ver m\u00e1s con la oferta que con la demanda. <\/p>\n<p>Y entre tanto, la banca sigue con problemas internos de liquidez, de morosidad, de deuda sobre activos y ahora tambi\u00e9n estructurales (con motivo de las fusiones).&nbsp;Por su parte, trabajadores y empresarios terminan de hacer sus deberes -tampoco les queda otra-.&nbsp;Pero resulta que nuestro modelo socioecon\u00f3mico est\u00e1 totalmente condicionado por el capital y \u00e9ste utiliza a la banca de intermediaria con la sociedad. Y \u00bfqu\u00e9 hace la banca?&nbsp;pues lejos de engrasar la rueda&nbsp;para que gire mejor, lo que hace es ponerle piedras en el camino.<\/p>\n<p>Pongamos un ejemplo: en lugar de fomentar un sistema de tasaciones bien profesionalizado, imparcial e independiente, siguen manipulando las mismas desde empresas tasadoras lastradas&nbsp;a las que inducen a tasar por debajo de mercado para m\u00e1s tarde acabar con el cliente con sus rigideces actuales en&nbsp;el an\u00e1lisis del riesgo y de su solvencia. No es que concedan el pr\u00e9stamo m\u00e1s caro, es que no lo conceden. O blanco o negro, no hay m\u00e1s opciones.<\/p>\n<p>Ya lo dije hace tiempo en&nbsp;otro&nbsp;comentario, aunque suene a demagogia, nosotros podremos acabar aprendiendo a vivir sin bancos, pero los bancos no podr\u00e1n sobrevivir sin nosotros.&nbsp;Quiz\u00e1s lo que quieran es cavar su propia tumba&nbsp;para luego renacer de sus&nbsp;cenizas, como el ave fenix. Interesante 2011 bancario nos espera&#8230;que nos pille con buena salud.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cerramos el a\u00f1o con un mercado inmobiliario todav\u00eda inestable, pero d\u00f3nde claramente la demanda ha tomado nuevas posiciones desde las [&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":[162],"tags":[],"class_list":["post-92","post","type-post","status-publish","format-standard","hentry","category-actualidad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfA qu\u00e9 juegan los bancos? 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