El mercado de la vivienda; ¿momento para comprar?

mercado de la vivienda
¿Qué está pasando con el precio de vivienda? ¿Es buen momento para comprar? ¿Podré vender mi casa por fin? ¿Los bancos están concediendo hipotecas? ¿Dónde están subiendo más los precios? ¿Es verdad lo que dice la prensa? ¿Debemos hacer caso y lanzarnos a comprar una casa?

Muchas de estas preguntas se las estarán haciendo muchos de ustedes, sobre todo porque en las noticias escuchamos que “la crisis ha terminado” y que “el precio de la vivienda se está recuperando”. Si es cierto que los precios han tocado ya suelo, lo lógico sería comprar ahora, ¿no?

Desde Mudanzas OCM queremos exponerles los hechos de la manera más imparcial posible para que si han de tomar una decisión de compra (o venta) de una vivienda, por lo menos la tomen de una manera informada.

El mercado de la vivienda; algunas consideraciones

1.- En primer lugar, sepan que la evolución del mercado de la vivienda dependerá efectivamente de la marcha de la economía y todavía ha de confirmarse que España haya salido ya de la recesión. Ciertamente se ofrecen ya datos positivos de crecimiento pero hay que ser cautelosos y esperar a comprobar si la economía sigue creciendo a este ritmo a medio y largo plazo.

2.- En segundo lugar, tengan en cuenta que la agenda política y electoral del presente año 2015 podría afectar muy directamente a la hipotética recuperación y al mercado de la vivienda. Uno de los peores males para el crecimiento es la incertidumbre y las elecciones generan precisamente eso. Cuando la población siente miedo o expectación ante un cambio, puede volverse más conservadora en relación al consumo y dilatar sus decisiones de compra, lo cual frena la recuperación.

Parece existir consenso en que el precio de la vivienda aumentará a lo largo del 2015 y que lo hará hasta en un 2,5%. Hasta aquí, son buenas noticias, sobre todo por lo que supone para la economía. Tengamos en cuenta que el sector de la construcción es muy importante en España y que si se reanima el mercado de la vivienda, esto beneficiará a todos.

Ahora bien, cuando se habla de cifras de crecimiento del precio de la vivienda, muchas veces se habla de incrementos medios en el precio para todo el país, en lugar de dar las cifras por comunidades o provincias. Dependiendo de dónde vivan ustedes, los incrementos (o descensos) podrán variar mucho por lo que les recomendamos que no crean ciegamente las estadísticas ofrecidas por los medios de comunicación sobre el mercado de la vivienda.

3.- En tercer lugar, sí parece que es posible acceder de nuevo a una hipoteca pero ya no es tan sencillo como antes. Los bancos son mucho más cautelosos en la concesión de crédito y más exigentes con sus criterios de solvencia, garantía y capacidad de pago.

Es muy probable también que cuando se dispongan a solicitar la hipoteca para una vivienda que tengan pensado comprar, el propio banco les ofrezca una vivienda alternativa de su propiedad, de las muchas viviendas que la banca se ha adjudicado durante los últimos años. Es una realidad que le será más fácil conseguir financiación para una vivienda del banco que para la vivienda de un tercero. Ténganlo en cuenta.

En posts posteriores seguiremos hablando sobre el mercado de la vivienda. Nuestra intención era simplemente darles algunas pinceladas sobre la situación actual.

Lo que sí quisiéramos decirles es que, independientemente de la evolución de los precios, han de meditar mucho las decisiones que tomen en este sentido. Existen muchas viviendas disponibles en el mercado y si no tienen una especial urgencia por comprar, no se apresuren a ello. Al contrario que en el año 2006, no existe hoy día escasez de viviendas por lo que no hagan caso de lo que le puedan decir los vendedores con los que se encuentren.

Ahora bien, del mismo modo que les decimos que no tengan prisa, también les decimos que si encuentran una vivienda que les gusta, la pueden pagar cómoda y sobradamente y el banco les concede la financiación, no lo piensen mucho tampoco. Al fin y al cabo, si la vivienda es para uso propio y planean vivir en ella durante muchos años, no importa tanto si el precio baja otro 1% o no.

Y recuerden que cuando hayan encontrado un nuevo hogar, ¡pueden confiar en Mudanzas OCM para ayudarles con la mudanza!

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