{"id":444,"date":"2026-02-26T10:15:12","date_gmt":"2026-02-26T13:15:12","guid":{"rendered":"https:\/\/garantina.com.ar\/blog\/?p=444"},"modified":"2026-02-23T10:19:46","modified_gmt":"2026-02-23T13:19:46","slug":"mercado-inmobiliario-san-isidro-creditos-hipotecarios","status":"publish","type":"post","link":"https:\/\/garantina.com.ar\/blog\/mercado-inmobiliario-san-isidro-creditos-hipotecarios\/","title":{"rendered":"Entrevista a Autoridades del Colegio de Martilleros de San Isidro: Cr\u00e9ditos Hipotecarios vs Billete Posblanqueo en 2024\u20132025"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"444\" class=\"elementor elementor-444\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d718f6e e-flex e-con-boxed e-con e-parent\" data-id=\"d718f6e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1788bf elementor-widget elementor-widget-text-editor\" data-id=\"f1788bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"170\" data-end=\"299\">El mercado inmobiliario argentino no descansa. Cambia, se adapta, respira al ritmo del d\u00f3lar y \u2014c\u00f3mo no\u2014 del cr\u00e9dito hipotecario.<\/p>\n<p data-start=\"301\" data-end=\"522\">En una entrevista realizada por <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Dami\u00e1n Di Pace<\/span><\/span> a <strong data-start=\"373\" data-end=\"389\">Paula M\u00e9ndez<\/strong> y <strong data-start=\"392\" data-end=\"416\">Mariano Cort\u00e9s Ramos<\/strong>, autoridades del <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Colegio de Martilleros y Corredores P\u00fablicos de San Isidro<\/span><\/span>, se abord\u00f3 una de las preguntas clave del momento:<\/p>\n<blockquote data-start=\"524\" data-end=\"668\">\n<p data-start=\"526\" data-end=\"668\">\u00bfQu\u00e9 pas\u00f3 entre septiembre 2024 y marzo 2025 con las operaciones con cr\u00e9dito vs. billete posblanqueo?<br data-start=\"627\" data-end=\"630\" \/>\u00bfY qu\u00e9 cambi\u00f3 desde marzo hasta hoy?<\/p>\n<\/blockquote>\n<p data-start=\"670\" data-end=\"783\">Prep\u00e1rate porque lo que viene explica mucho de lo que est\u00e1 pasando en el mercado inmobiliario del corredor norte.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7b8b3a1 elementor-widget elementor-widget-heading\" data-id=\"7b8b3a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cr\u00e9dito Hipotecario vs Billete: \u00bfQui\u00e9n Gan\u00f3 la Batalla?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1870238 elementor-widget elementor-widget-text-editor\" data-id=\"1870238\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"852\" data-end=\"932\">Entre septiembre de 2024 y marzo de 2025 ocurri\u00f3 algo que muchos no esperaban:<\/p>\n<p data-start=\"934\" data-end=\"1016\">\ud83d\udc49 <strong data-start=\"937\" data-end=\"1016\">Llegaron m\u00e1s operaciones con cr\u00e9dito que con billete de ahorro posblanqueo.<\/strong><\/p>\n<p data-start=\"1018\" data-end=\"1034\">S\u00ed, le\u00edste bien.<\/p>\n<p data-start=\"1036\" data-end=\"1199\">En determinadas zonas del corredor norte bonaerense, el cr\u00e9dito comenz\u00f3 a traccionar operaciones con m\u00e1s fuerza que el cl\u00e1sico \u201ctengo los d\u00f3lares bajo el colch\u00f3n\u201d.<\/p>\n<h2 data-start=\"1201\" data-end=\"1223\">\u00bfPor qu\u00e9 pas\u00f3 esto?<\/h2>\n<h3 data-start=\"1225\" data-end=\"1265\">1\ufe0f\u20e3 Falta de inmuebles con escritura<\/h3>\n<p data-start=\"1267\" data-end=\"1394\">En varias zonas del partido de <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">San Isidro<\/span><\/span>, la oferta de propiedades con escritura lista es limitada.<\/p>\n<p data-start=\"1396\" data-end=\"1438\">Y cuando hay pocas escrituras disponibles\u2026<\/p>\n<ul data-start=\"1440\" data-end=\"1561\">\n<li data-start=\"1440\" data-end=\"1482\">\n<p data-start=\"1442\" data-end=\"1482\">El cr\u00e9dito tradicional pierde dinamismo.<\/p>\n<\/li>\n<li data-start=\"1483\" data-end=\"1507\">\n<p data-start=\"1485\" data-end=\"1507\">Aparecen alternativas.<\/p>\n<\/li>\n<li data-start=\"1508\" data-end=\"1561\">\n<p data-start=\"1510\" data-end=\"1561\">Los desarrollistas empiezan a mirar otros esquemas.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1563\" data-end=\"1630\">Ah\u00ed entran en escena los <strong data-start=\"1588\" data-end=\"1629\">cr\u00e9ditos divisibles para fideicomisos<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b1075ce elementor-widget elementor-widget-video\" data-id=\"b1075ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/MSGls7vaJLA&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ea826c3 elementor-widget elementor-widget-heading\" data-id=\"ea826c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El Boom de los Cr\u00e9ditos Divisibles para Fideicomisos<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4017bb3 elementor-widget elementor-widget-text-editor\" data-id=\"4017bb3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"1697\" data-end=\"1748\">Cuando se lanz\u00f3 el proyecto de cr\u00e9ditos divisibles:<\/p>\n<ul data-start=\"1750\" data-end=\"1928\">\n<li data-start=\"1750\" data-end=\"1796\">\n<p data-start=\"1752\" data-end=\"1796\">Fue un incentivo fuerte para desarrollistas.<\/p>\n<\/li>\n<li data-start=\"1797\" data-end=\"1859\">\n<p data-start=\"1799\" data-end=\"1859\">Permiti\u00f3 pensar en financiaci\u00f3n estructurada para proyectos.<\/p>\n<\/li>\n<li data-start=\"1860\" data-end=\"1928\">\n<p data-start=\"1862\" data-end=\"1928\">Gener\u00f3 expectativas de financiaci\u00f3n tambi\u00e9n para consumidor final.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1930\" data-end=\"2032\">Spoiler:<br data-start=\"1938\" data-end=\"1941\" \/>La parte de financiar unidades para consumidor final <strong data-start=\"1994\" data-end=\"2031\">no se reglament\u00f3 como se esperaba<\/strong>.<\/p>\n<p data-start=\"2034\" data-end=\"2068\">Y eso cambi\u00f3 el ritmo del mercado.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c4c607 elementor-widget elementor-widget-heading\" data-id=\"6c4c607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El Billete Sigue Mandando (Pero No Como Antes)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9202d7e elementor-widget elementor-widget-text-editor\" data-id=\"9202d7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2128\" data-end=\"2204\">Hay una frase que resume perfectamente la realidad del mercado en esta zona:<\/p>\n<blockquote data-start=\"2206\" data-end=\"2245\">\n<p data-start=\"2208\" data-end=\"2245\">\u201cEs una zona donde el billete manda\u201d.<\/p>\n<\/blockquote>\n<p data-start=\"2247\" data-end=\"2446\">En el corredor norte \u2014especialmente en <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">San Fernando<\/span><\/span>, <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">San Isidro<\/span><\/span> y <span class=\"hover:entity-accent entity-underline inline cursor-pointer align-baseline\"><span class=\"whitespace-normal\">Vicente L\u00f3pez<\/span><\/span>\u2014 el d\u00f3lar f\u00edsico sigue siendo protagonista.<\/p>\n<p data-start=\"2448\" data-end=\"2484\">Pero durante ese per\u00edodo espec\u00edfico:<\/p>\n<ul data-start=\"2486\" data-end=\"2591\">\n<li data-start=\"2486\" data-end=\"2523\">\n<p data-start=\"2488\" data-end=\"2523\">El cr\u00e9dito tuvo mayor protagonismo.<\/p>\n<\/li>\n<li data-start=\"2524\" data-end=\"2562\">\n<p data-start=\"2526\" data-end=\"2562\">Hubo varias operaciones financiadas.<\/p>\n<\/li>\n<li data-start=\"2563\" data-end=\"2591\">\n<p data-start=\"2565\" data-end=\"2591\">Se gener\u00f3 movimiento real.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2593\" data-end=\"2603\">Hasta que\u2026<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c90bf7b elementor-widget elementor-widget-heading\" data-id=\"c90bf7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El D\u00f3lar Empez\u00f3 a Fluctuar<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9d72ce elementor-widget elementor-widget-text-editor\" data-id=\"a9d72ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"2643\" data-end=\"2727\">Y cuando el d\u00f3lar se mueve, el mercado inmobiliario argentino se pone en modo pausa.<\/p>\n<p data-start=\"2729\" data-end=\"2758\">Desde marzo 2025 en adelante:<\/p>\n<ul data-start=\"2760\" data-end=\"2890\">\n<li data-start=\"2760\" data-end=\"2814\">\n<p data-start=\"2762\" data-end=\"2814\">La volatilidad cambiaria empez\u00f3 a frenar decisiones.<\/p>\n<\/li>\n<li data-start=\"2815\" data-end=\"2846\">\n<p data-start=\"2817\" data-end=\"2846\">Se enfri\u00f3 la toma de cr\u00e9dito.<\/p>\n<\/li>\n<li data-start=\"2847\" data-end=\"2890\">\n<p data-start=\"2849\" data-end=\"2890\">Volvi\u00f3 el comportamiento m\u00e1s conservador.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"2892\" data-end=\"2950\">En Argentina, cuando el d\u00f3lar duda, el comprador duda m\u00e1s.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-98553ff elementor-widget elementor-widget-heading\" data-id=\"98553ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 Est\u00e1 Pasando Ahora en el Mercado Inmobiliario?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7723096 elementor-widget elementor-widget-text-editor\" data-id=\"7723096\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-start=\"3015\" data-end=\"3066\">Podemos resumir el escenario actual en tres puntos:<\/p>\n<h3 data-start=\"3068\" data-end=\"3120\">\u2705 1. El cr\u00e9dito mostr\u00f3 que hay demanda contenida<\/h3>\n<p data-start=\"3121\" data-end=\"3187\">Cuando hubo herramientas financieras claras, el mercado reaccion\u00f3.<\/p>\n<h3 data-start=\"3189\" data-end=\"3242\">\u26a0\ufe0f 2. La falta de reglamentaci\u00f3n fren\u00f3 el impulso<\/h3>\n<p data-start=\"3243\" data-end=\"3316\">El cr\u00e9dito para consumidor final no termin\u00f3 de despegar como se esperaba.<\/p>\n<h3 data-start=\"3318\" data-end=\"3390\">\ud83d\udcb5 3. El billete sigue siendo el rey\u2026 pero ya no es el \u00fanico jugador<\/h3>\n<p data-start=\"3391\" data-end=\"3430\">Hoy el comprador analiza m\u00e1s variables:<\/p>\n<ul data-start=\"3431\" data-end=\"3497\">\n<li data-start=\"3431\" data-end=\"3447\">\n<p data-start=\"3433\" data-end=\"3447\">Tipo de cambio<\/p>\n<\/li>\n<li data-start=\"3448\" data-end=\"3455\">\n<p data-start=\"3450\" data-end=\"3455\">Tasas<\/p>\n<\/li>\n<li data-start=\"3456\" data-end=\"3467\">\n<p data-start=\"3458\" data-end=\"3467\">Inflaci\u00f3n<\/p>\n<\/li>\n<li data-start=\"3468\" data-end=\"3497\">\n<p data-start=\"3470\" data-end=\"3497\">Reglamentaciones pendientes<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3499\" data-end=\"3546\">El mercado ya no es blanco o negro. Es h\u00edbrido.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-80f7180 e-flex e-con-boxed e-con e-parent\" data-id=\"80f7180\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d0d4bb7 elementor-widget elementor-widget-heading\" data-id=\"d0d4bb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.garantina.com.ar\/landing\/\">TU GARANTINA PARA\nALQUILAR EN 24 HS \n\n\n\n<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8fb29e3 elementor-widget elementor-widget-text-editor\" data-id=\"8fb29e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"row margen_arriba_3\"><div class=\"col-md-10 col-10\">Obten\u00e9 un 20% de descuento en tu garant\u00eda<\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d86807 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4d86807\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.garantina.com.ar\/landing\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">COMENZAR AHORA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El mercado inmobiliario argentino no descansa. Cambia, se adapta, respira al ritmo del d\u00f3lar y \u2014c\u00f3mo no\u2014 del cr\u00e9dito hipotecario. En una entrevista realizada por Dami\u00e1n Di Pace a Paula M\u00e9ndez y Mariano Cort\u00e9s Ramos, autoridades del Colegio de Martilleros y Corredores P\u00fablicos de San Isidro, se abord\u00f3 una de las preguntas clave del momento: [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":448,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[6,4,7,3,2,5],"class_list":["post-444","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-garantina","tag-alquilar","tag-alquiler","tag-amplio","tag-decoracion","tag-departamento","tag-monoambiente"],"_links":{"self":[{"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/posts\/444","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/comments?post=444"}],"version-history":[{"count":4,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/posts\/444\/revisions"}],"predecessor-version":[{"id":449,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/posts\/444\/revisions\/449"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/media\/448"}],"wp:attachment":[{"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/media?parent=444"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/categories?post=444"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/garantina.com.ar\/blog\/wp-json\/wp\/v2\/tags?post=444"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}