{"id":23694,"date":"2025-10-03T15:25:20","date_gmt":"2025-10-03T21:25:20","guid":{"rendered":"https:\/\/staytv.cr\/?p=23694"},"modified":"2025-10-03T16:22:48","modified_gmt":"2025-10-03T22:22:48","slug":"tasas-de-interes-en-costa-rica-consumo-vivienda-y-servicios-muestran-dinamicas-diferenciadas","status":"publish","type":"post","link":"https:\/\/staytv.cr\/index.php\/2025\/10\/03\/tasas-de-interes-en-costa-rica-consumo-vivienda-y-servicios-muestran-dinamicas-diferenciadas\/","title":{"rendered":"Tasas de inter\u00e9s en Costa Rica: consumo, vivienda y servicios muestran din\u00e1micas diferenciadas"},"content":{"rendered":"<p data-start=\"100\" data-end=\"452\">El <strong data-start=\"103\" data-end=\"144\">Observatorio Econ\u00f3mico y Social (OES)<\/strong> de la Escuela de Econom\u00eda de la <strong data-start=\"177\" data-end=\"207\">Universidad Nacional (UNA)<\/strong> public\u00f3 un an\u00e1lisis sobre el comportamiento de las tasas de inter\u00e9s entre <strong data-start=\"282\" data-end=\"319\">enero de 2023 y setiembre de 2025<\/strong>, enfocado en los cr\u00e9ditos para <strong data-start=\"351\" data-end=\"384\">consumo, vivienda y servicios<\/strong>, que representan el 76% del total de pr\u00e9stamos al sector privado.<\/p>\n<h2 data-start=\"454\" data-end=\"499\">Tasas de inter\u00e9s y su contexto: inflaci\u00f3n y pol\u00edtica monetaria<\/h2>\n<p data-start=\"500\" data-end=\"772\">Durante 2022, el pa\u00eds experiment\u00f3 un aumento significativo en los precios debido al conflicto Rusia-Ucrania, el encarecimiento de materias primas y la depreciaci\u00f3n del col\u00f3n. El <strong data-start=\"678\" data-end=\"719\">\u00cdndice de Precios al Consumidor (IPC)<\/strong> alcanz\u00f3 en agosto de ese a\u00f1o un 12,13% interanual.<\/p>\n<p data-start=\"774\" data-end=\"1138\">Para contener la inflaci\u00f3n, el <strong data-start=\"805\" data-end=\"829\">Banco Central (BCCR)<\/strong> elev\u00f3 la <strong data-start=\"839\" data-end=\"875\">Tasa de Pol\u00edtica Monetaria (TPM)<\/strong> hasta 9% en octubre de 2022. A partir de marzo de 2023 inici\u00f3 un proceso de reducci\u00f3n, hasta ubicarse en 3,5% en setiembre de 2025. La <strong data-start=\"1011\" data-end=\"1039\">Tasa B\u00e1sica Pasiva (TBP)<\/strong> tambi\u00e9n descendi\u00f3, pasando de un m\u00e1ximo de 6,69% en febrero de 2023 a 3,9% en setiembre de 2025.<\/p>\n<h2 data-start=\"1140\" data-end=\"1165\">Cr\u00e9dito para consumo<\/h2>\n<ul data-start=\"1166\" data-end=\"1532\">\n<li data-start=\"1166\" data-end=\"1247\">\n<p data-start=\"1168\" data-end=\"1247\"><strong data-start=\"1168\" data-end=\"1188\">Bancos p\u00fablicos:<\/strong> mantuvieron estabilidad en sus tasas durante el per\u00edodo.<\/p>\n<\/li>\n<li data-start=\"1248\" data-end=\"1339\">\n<p data-start=\"1250\" data-end=\"1339\"><strong data-start=\"1250\" data-end=\"1270\">Bancos privados:<\/strong> redujeron 4,9 p.p., pero siguen 4 p.p. por encima de los p\u00fablicos.<\/p>\n<\/li>\n<li data-start=\"1340\" data-end=\"1435\">\n<p data-start=\"1342\" data-end=\"1435\"><strong data-start=\"1342\" data-end=\"1355\">Mutuales:<\/strong> bajaron 4,2 p.p., con tasas incluso 1 p.p. por debajo de los bancos p\u00fablicos.<\/p>\n<\/li>\n<li data-start=\"1436\" data-end=\"1532\">\n<p data-start=\"1438\" data-end=\"1532\"><strong data-start=\"1438\" data-end=\"1454\">Financieras:<\/strong> alcanzaron hasta 40% en 2024, pero bajaron a 32%, nivel similar al de 2023.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1534\" data-end=\"1665\">El cr\u00e9dito para consumo creci\u00f3 <strong data-start=\"1565\" data-end=\"1574\">17,8%<\/strong> entre enero 2023 y junio 2025, siendo el rubro de mayor expansi\u00f3n en t\u00e9rminos absolutos.<\/p>\n<h2 data-start=\"1667\" data-end=\"1693\">Cr\u00e9dito para vivienda<\/h2>\n<ul data-start=\"1694\" data-end=\"2019\">\n<li data-start=\"1694\" data-end=\"1764\">\n<p data-start=\"1696\" data-end=\"1764\"><strong data-start=\"1696\" data-end=\"1716\">Bancos p\u00fablicos:<\/strong> promediaron 7,5% (m\u00ednimo 7,2% y m\u00e1ximo 9,1%).<\/p>\n<\/li>\n<li data-start=\"1765\" data-end=\"1847\">\n<p data-start=\"1767\" data-end=\"1847\"><strong data-start=\"1767\" data-end=\"1780\">Mutuales:<\/strong> se estabilizaron en torno al 8,3% tras reducir un punto en 2024.<\/p>\n<\/li>\n<li data-start=\"1848\" data-end=\"1928\">\n<p data-start=\"1850\" data-end=\"1928\"><strong data-start=\"1850\" data-end=\"1867\">Cooperativas:<\/strong> bajaron 1 p.p., pero mantienen las tasas m\u00e1s altas (9,4%).<\/p>\n<\/li>\n<li data-start=\"1929\" data-end=\"2019\">\n<p data-start=\"1931\" data-end=\"2019\"><strong data-start=\"1931\" data-end=\"1951\">Bancos privados:<\/strong> registraron la mayor reducci\u00f3n (3,7 p.p.), estabiliz\u00e1ndose en 8%.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2021\" data-end=\"2222\">A pesar de estas reducciones, el cr\u00e9dito de vivienda cay\u00f3 un <strong data-start=\"2082\" data-end=\"2090\">0,5%<\/strong>, lo que sugiere que factores como <strong data-start=\"2125\" data-end=\"2198\">endeudamiento de hogares, precios elevados y requisitos m\u00e1s estrictos<\/strong> limitaron la demanda.<\/p>\n<h2 data-start=\"2224\" data-end=\"2251\">Cr\u00e9dito para servicios<\/h2>\n<ul data-start=\"2252\" data-end=\"2452\">\n<li data-start=\"2252\" data-end=\"2312\">\n<p data-start=\"2254\" data-end=\"2312\"><strong data-start=\"2254\" data-end=\"2274\">Bancos p\u00fablicos:<\/strong> ofrecen las tasas m\u00e1s bajas (7,3%).<\/p>\n<\/li>\n<li data-start=\"2313\" data-end=\"2336\">\n<p data-start=\"2315\" data-end=\"2336\"><strong data-start=\"2315\" data-end=\"2328\">Mutuales:<\/strong> 8,4%.<\/p>\n<\/li>\n<li data-start=\"2337\" data-end=\"2367\">\n<p data-start=\"2339\" data-end=\"2367\"><strong data-start=\"2339\" data-end=\"2359\">Bancos privados:<\/strong> 9,1%.<\/p>\n<\/li>\n<li data-start=\"2368\" data-end=\"2452\">\n<p data-start=\"2370\" data-end=\"2452\"><strong data-start=\"2370\" data-end=\"2387\">Cooperativas:<\/strong> alcanzan el nivel m\u00e1s alto (16,3%), con un aumento de 0,9 p.p.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2454\" data-end=\"2536\">Este segmento creci\u00f3 un <strong data-start=\"2478\" data-end=\"2487\">32,9%<\/strong>, el mayor incremento porcentual en el per\u00edodo.<\/p>\n<h2 data-start=\"2538\" data-end=\"2587\">Tasas de inter\u00e9s: Relevancia de la inflaci\u00f3n y riesgos futuros<\/h2>\n<p data-start=\"2588\" data-end=\"2773\">La inflaci\u00f3n interanual fue negativa en 20 de los \u00faltimos 32 meses, lo que elev\u00f3 las <strong data-start=\"2673\" data-end=\"2689\">tasas reales<\/strong> por encima de las nominales, configurando un entorno restrictivo para el cr\u00e9dito.<\/p>\n<p data-start=\"2775\" data-end=\"3045\">Adem\u00e1s, la no autorizaci\u00f3n legislativa para emitir <strong data-start=\"2826\" data-end=\"2858\">$2.000 millones en eurobonos<\/strong> aumenta la presi\u00f3n sobre el financiamiento interno del Gobierno, lo que podr\u00eda elevar las tasas de inter\u00e9s y <strong data-start=\"2968\" data-end=\"2982\">desacoplar<\/strong> la pol\u00edtica monetaria de las condiciones reales del mercado.<\/p>\n<h2 data-start=\"3047\" data-end=\"3076\">Conclusiones principales<\/h2>\n<ul data-start=\"3077\" data-end=\"3561\">\n<li data-start=\"3077\" data-end=\"3175\">\n<p data-start=\"3079\" data-end=\"3175\">La <strong data-start=\"3082\" data-end=\"3118\">TPM impact\u00f3 m\u00e1s en tasas pasivas<\/strong> que en las activas, mostrando una transmisi\u00f3n parcial.<\/p>\n<\/li>\n<li data-start=\"3176\" data-end=\"3271\">\n<p data-start=\"3178\" data-end=\"3271\">El cr\u00e9dito en colones mantiene una participaci\u00f3n del <strong data-start=\"3231\" data-end=\"3240\">67,5%<\/strong>, frente al 35,5% en d\u00f3lares.<\/p>\n<\/li>\n<li data-start=\"3272\" data-end=\"3386\">\n<p data-start=\"3274\" data-end=\"3386\">Los <strong data-start=\"3278\" data-end=\"3297\">bancos p\u00fablicos<\/strong> aumentaron su participaci\u00f3n en el cr\u00e9dito total en detrimento de otros intermediarios.<\/p>\n<\/li>\n<li data-start=\"3387\" data-end=\"3454\">\n<p data-start=\"3389\" data-end=\"3454\">Mientras consumo y servicios crecieron, la vivienda se estanc\u00f3.<\/p>\n<\/li>\n<li data-start=\"3455\" data-end=\"3561\">\n<p data-start=\"3457\" data-end=\"3561\">El entorno de <strong data-start=\"3471\" data-end=\"3493\">tasas reales altas<\/strong> limita el acceso a financiamiento y frena la actividad econ\u00f3mica.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3563\" data-end=\"3637\"><strong data-start=\"3563\" data-end=\"3635\">Fuente: Observatorio Econ\u00f3mico y Social (OES-<a href=\"https:\/\/www.economia.una.ac.cr\/index.php\/proyectos\/59-observatorio\">UNA<\/a>) con datos del BCCR<\/strong><\/p>\n<p data-start=\"3563\" data-end=\"3637\">Lea Tambi\u00e9n la secci\u00f3n de <a href=\"https:\/\/staytv.cr\/index.php\/category\/economics\/\">Econom\u00eda<\/a><\/p>\n<p data-start=\"3563\" data-end=\"3637\"><!--more--><\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Observatorio Econ\u00f3mico y Social (OES) de la Escuela de Econom\u00eda de la Universidad Nacional (UNA) public\u00f3 un an\u00e1lisis sobre el comportamiento de las tasas de inter\u00e9s entre enero de 2023 y setiembre de 2025, enfocado en los cr\u00e9ditos para consumo, vivienda y servicios, que representan el 76% del total de pr\u00e9stamos al sector privado. [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":23695,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"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":[54],"tags":[],"class_list":{"0":"post-23694","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-economics"},"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.8.3.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"Tasas de inter\u00e9s muestran estabilidad en bancos p\u00fablicos, reducci\u00f3n en privados y alzas en cooperativas. 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