Análisis del comportamiento del crédito hipotecario de la banca privada y la banca pública en el Ecuador 2009 – 2019.

Abstract

In the present investigation, the behavior of the mortgage credit of private and public banks in Ecuador during the period 2009 - 2019 has been analyzed, using the quantitative and qualitative method, methods that facilitated the collection and analysis of information, as well as carried out the collection of information through technical procedures to then perform an interpretation of the data obtained; It can also be noted that in the present investigation the scope is descriptive with a mixed approach, in which a non-experimental design was used and it is done from a deductive logic that starts from the observation of data obtained from secondary sources. Research that allowed me to know the scope and credit behavior of both public banks and private banks, reaching the conclusion that public banks have the greatest advantage in granting mortgage loans in relation to private banks, since most of them are It stands out that the interest rate is lower and it is accessible for people to obtain a mortgage loan, while private banks have policies that limit certain people from accessing a mortgage loan and the interest rate is higher.