{"id":6466,"date":"2025-03-24T11:18:33","date_gmt":"2025-03-24T17:18:33","guid":{"rendered":"https:\/\/staytv.net\/?p=6466"},"modified":"2025-03-24T11:18:33","modified_gmt":"2025-03-24T17:18:33","slug":"creditos-para-vehiculos-alcanzan-record-historico-en-costa-rica","status":"publish","type":"post","link":"https:\/\/staytv.net\/index.php\/2025\/03\/24\/creditos-para-vehiculos-alcanzan-record-historico-en-costa-rica\/","title":{"rendered":"Cr\u00e9ditos para veh\u00edculos alcanzan r\u00e9cord hist\u00f3rico en Costa Rica"},"content":{"rendered":"<p><em>San Jos\u00e9, 24 de marzo de 2025<\/em><\/p>\n<p>El sistema financiero costarricense registra un crecimiento sin precedentes en el otorgamiento de cr\u00e9ditos para compra de veh\u00edculos, con una cartera activa que supera los \u20a1828.777 millones seg\u00fan el \u00faltimo reporte de la Asociaci\u00f3n Bancaria Costarricense (ABC).<\/p>\n<h3><strong>Cifras que marcan tendencia<\/strong><\/h3>\n<p>Los datos a febrero 2025 revelan:<\/p>\n<ul>\n<li><strong>Aumento del 28%<\/strong>\u00a0interanual (\u20a1180.000 millones m\u00e1s que en 2024)<\/li>\n<li><strong>79.432 deudores activos<\/strong>\u00a0(6.000 m\u00e1s que el a\u00f1o anterior)<\/li>\n<li><strong>Monto promedio por pr\u00e9stamo<\/strong>: \u20a110.5 millones<\/li>\n<li><strong>Distribuci\u00f3n por g\u00e9nero<\/strong>: 56% hombres vs 44% mujeres<\/li>\n<\/ul>\n<p>&#8220;Las mujeres lideran el crecimiento en solicitudes con un aumento del 12% frente al 5% de los hombres&#8221;, destac\u00f3 Daniela Guti\u00e9rrez Miranda, economista de la ABC.<\/p>\n<h3><strong>Factores detr\u00e1s del boom crediticio<\/strong><\/h3>\n<p>Expertos atribuyen este fen\u00f3meno a:<\/p>\n<ol start=\"1\">\n<li><strong>Mayor acceso a financiamiento<\/strong>\u00a0con tasas competitivas<\/li>\n<li><strong>Renovaci\u00f3n de parque vehicular<\/strong>\u00a0postpandemia<\/li>\n<li><strong>Oferta agresiva<\/strong>\u00a0durante Expom\u00f3vil 2025<\/li>\n<li><strong>Confianza del consumidor<\/strong>\u00a0en estabilidad econ\u00f3mica<\/li>\n<\/ol>\n<h3><strong>Alertas para los compradores<\/strong><\/h3>\n<p>La ABC emiti\u00f3 recomendaciones clave:<br \/>\n\u26a0\u00a0<strong>Riesgo cambiario<\/strong>: 56% de los cr\u00e9ditos est\u00e1n en d\u00f3lares<br \/>\n\u26a0\u00a0<strong>Tasas variables<\/strong>\u00a0podr\u00edan incrementar cuotas futuras<br \/>\n\u26a0\u00a0<strong>Plazos extensos<\/strong>\u00a0elevan el costo total del veh\u00edculo<\/p>\n<p>&#8220;Un cr\u00e9dito de \u20a110 millones a 7 a\u00f1os puede terminar costando \u20a115 millones con intereses&#8221;, advirti\u00f3 Guti\u00e9rrez durante el foro &#8220;Financiamiento Responsable&#8221; en Expom\u00f3vil.<\/p>\n<h3><strong>Oportunidades y desaf\u00edos<\/strong><\/h3>\n<p>Mientras concesionarios reportan ventas r\u00e9cord, el Banco Central monitorea posibles efectos en:<\/p>\n<ul>\n<li><strong>Endeudamiento familiar<\/strong>\u00a0(relaci\u00f3n cuota\/ingreso)<\/li>\n<li><strong>Presi\u00f3n inflacionaria<\/strong>\u00a0en sector automotor<\/li>\n<li><strong>Sostenibilidad<\/strong>\u00a0del crecimiento crediticio<\/li>\n<\/ul>\n<p><em>Dato crucial<\/em>: El 68% de los cr\u00e9ditos aprobados son para veh\u00edculos usados, reflejando estrategias de acceso para distintos segmentos poblacionales.<\/p>\n<p><strong>Pr\u00f3ximos pasos<\/strong>: La ABC prepara una gu\u00eda digital interactiva para ayudar a los costarricenses a simular escenarios antes de firmar un pr\u00e9stamo vehicular, disponible desde abril en su portal web.<\/p>\n<p><em>Con informaci\u00f3n de la Asociaci\u00f3n Bancaria Costarricense y datos del BCCR<\/em><\/p>\n<p><iframe title=\"Cr\u00e9ditos para veh\u00edculos alcanzan r\u00e9cord hist\u00f3rico en Costa Rica\" width=\"1170\" height=\"658\" data-src=\"https:\/\/www.youtube.com\/embed\/s1ooM0_oS4E?feature=oembed&enablejsapi=1\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>San Jos\u00e9, 24 de marzo de 2025 El sistema financiero cos [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":6467,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"episode_type":"","audio_file":"","podmotor_file_id":"","podmotor_episode_id":"","cover_image":"","cover_image_id":"","duration":"","filesize":"","filesize_raw":"","date_recorded":"","explicit":"","block":"","itunes_episode_number":"","itunes_title":"","itunes_season_number":"","itunes_episode_type":"","footnotes":""},"categories":[13],"tags":[],"class_list":["post-6466","post","type-post","status-publish","format-standard","has-post-thumbnail","category-nacional"],"_links":{"self":[{"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/posts\/6466","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/comments?post=6466"}],"version-history":[{"count":1,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/posts\/6466\/revisions"}],"predecessor-version":[{"id":6468,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/posts\/6466\/revisions\/6468"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/media\/6467"}],"wp:attachment":[{"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/media?parent=6466"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/categories?post=6466"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staytv.net\/index.php\/wp-json\/wp\/v2\/tags?post=6466"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}