At the end of the first quarter of the year, the housing portfolio of member entities of asobancaria reached $101.9 billion, which represents an increase of $10.7 trillion compared to the end of the first quarter of 2022nominal growth of 11.7%, that is, without discounting the effect of inflation, so the real figure is negative by around 1.5 percentage points.
According to Asobancaria, of this total, $71.6 trillion correspond to mortgage credits$2.3 trillion per securitized portfolio and $28 billion per housing lease.
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Regarding disbursements, in the first three months of 2023 a total of 29,400 home financing operations (OFV) between mortgage loanswhich represented an annual drop of 40.4% and housing leasing operations totaled $3.9 trillion, with a drop of 33.4%, according to the Asobancaria report.
The union says that disbursements of individual mortgage credit and housing leasing are included for AV Villas, Bancolombia, Banco Caja Social, Banco de Bogotá, Banco Popular, BBVA, Scotiabank Colpatria, Davivienda, Itaú and Banco de Occidente since November 2020.
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Asobancaria says that with respect to OFV disbursements for the acquisition of new housing in 2023, the number and value of these presented a negative behavior compared to what was disbursed as of March 2022.
It has been made 16,200 disbursementsthat is to say, a fall of 50% and these represented a value of $2.2 trillion, with an annual fall of 33.9%, while for the used housing They registered 13,300 operations with an annual fall of 22.2% for $1.8 trillion, which represented a fall of 32.7%.
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“We project that the housing portfolio will close the year at $103.15 trillion, which would represent a nominal growth of 2% compared to 2022. On the other hand, the report also shows that the housing portfolio is gaining more and more ground within the total portfolio, which amounts to $535.75 trillion, and in which it has a participation of 18.8%”, said Guillermo Alarcón, director of Housing and Leasing of Asobancaria.