{"id":18430,"date":"2026-01-08T20:16:35","date_gmt":"2026-01-09T02:16:35","guid":{"rendered":"https:\/\/www.rgvbusinessjournal.com\/news\/15\/07\/2026\/a-medida-que-los-bancos-endurecen-las-condiciones-de-los-prestamos-para-la-construccion-algunas-constructoras-del-valle-del-rio-grande-estan-buscando-fuentes-de-financiacion-alternativas\/"},"modified":"2026-07-15T16:03:46","modified_gmt":"2026-07-15T21:03:46","slug":"a-medida-que-los-bancos-endurecen-las-condiciones-de-los-prestamos-para-la-construccion-algunas-constructoras-del-valle-del-rio-grande-estan-buscando-fuentes-de-financiacion-alternativas","status":"publish","type":"post","link":"https:\/\/www.rgvbusinessjournal.com\/es\/news\/08\/01\/2026\/a-medida-que-los-bancos-endurecen-las-condiciones-de-los-prestamos-para-la-construccion-algunas-constructoras-del-valle-del-rio-grande-estan-buscando-fuentes-de-financiacion-alternativas\/","title":{"rendered":"A medida que los bancos endurecen las condiciones de los pr\u00e9stamos para la construcci\u00f3n, algunas constructoras del Valle del R\u00edo Grande est\u00e1n buscando fuentes de financiaci\u00f3n alternativas"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"881\" src=\"https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-1024x881.jpeg\" alt=\"\" class=\"wp-image-6425\" style=\"aspect-ratio:1.1623281155409495;width:416px;height:auto\" srcset=\"https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-1024x881.jpeg 1024w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-300x258.jpeg 300w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-768x661.jpeg 768w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-1536x1322.jpeg 1536w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-930x800.jpeg 930w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-564x485.jpeg 564w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing-267x230.jpeg 267w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Housing.jpeg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><br>Emiliano Zapata interviene durante el acto \u00abPerspectivas econ\u00f3micas para 2026\u00bb. Cr\u00e9dito de la foto | Kristen Mosbrucker-Garza<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Tras tres d\u00e9cadas construyendo viviendas en el Valle del R\u00edo Grande, Emiliano Zapata est\u00e1 contribuyendo cada vez m\u00e1s a financiar \u00e9l mismo las nuevas construcciones, a medida que los bancos reducen la concesi\u00f3n de pr\u00e9stamos y los constructores recurren a inversores privados para mantener en marcha los proyectos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zapata, director ejecutivo de Capital Insiders, present\u00f3 el jueves en las oficinas de la Asociaci\u00f3n de Constructores del Sur de Texas, en McAllen, sus previsiones econ\u00f3micas para 2026.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abLos bancos se est\u00e1n volviendo m\u00e1s estrictos\u00bb, afirm\u00f3 Zapata.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-tighter-financing-nbsp\"><strong>Restricciones en la financiaci\u00f3n\u00a0<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La mayor\u00eda de los bancos financian solo hasta el 80 % de los pr\u00e9stamos comerciales, mientras que los prestamistas privados ofrecen condiciones m\u00e1s flexibles. Esa flexibilidad conlleva un coste total m\u00e1s elevado. Los prestamistas privados pueden aplicar un tipo de inter\u00e9s del 13 %, frente al 8 % de un banco, y, en lugar de una cantidad \u00fanica, el dinero se va desembolsando progresivamente a medida que se va completando el proyecto.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-embed alignleft is-type-video is-provider-tiktok wp-block-embed-tiktok\"><div class=\"wp-block-embed__wrapper\">\n<blockquote class=\"tiktok-embed\" cite=\"https:\/\/www.tiktok.com\/@kmosbruckergarza\/video\/7593156526852885791\" data-video-id=\"7593156526852885791\" data-embed-from=\"oembed\" style=\"max-width:605px; min-width:325px;\"> <section> <a target=\"_blank\" title=\"@kmosbruckergarza\" href=\"https:\/\/www.tiktok.com\/@kmosbruckergarza?refer=embed\">@kmosbruckergarza<\/a> <p>Emiliano Zapata is a longtime homebuilder who branched out into private lending for other builders across the Rio Grande Valley. Zapata expects the availability of credit from traditional lenders to continue to tighten and the market is dealing with oversupply of single family homes. <a title=\"rgv\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/rgv?refer=embed\">#rgv<\/a> <a title=\"riograndevalley\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/riograndevalley?refer=embed\">#riograndevalley<\/a> <a title=\"956\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/956?refer=embed\">#956<\/a> <a title=\"housing\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/housing?refer=embed\">#housing<\/a> <a title=\"homebuilding\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/tag\/homebuilding?refer=embed\">#homebuilding<\/a> <\/p> <a target=\"_blank\" title=\"\u266c original sound - kmosbruckergarza\" href=\"https:\/\/www.tiktok.com\/music\/original-sound-7593156488886913823?refer=embed\">\u266c original sound &#8211; kmosbruckergarza<\/a> <\/section> <\/blockquote> <script async src=\"https:\/\/www.tiktok.com\/embed.js\"><\/script>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abSomos entidades crediticias que basan sus pr\u00e9stamos en activos. Podemos financiar el 100 % de la construcci\u00f3n\u00bb, explic\u00f3 Zapata a los constructores all\u00ed presentes. \u00abEntendemos que tienen a un cliente esperando la vivienda, que necesitan empezar a construir lo antes posible; de lo contrario, la familia se decidir\u00e1 por otro constructor o empezar\u00e1 a hacer cambios en los planos\u00bb.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No obstante, sigue recomendando a los promotores inmobiliarios que recurran a los bancos si el proyecto es una inversi\u00f3n a largo plazo, en lugar de un pr\u00e9stamo a corto plazo de 12 meses, ya que los bancos aplican tipos de inter\u00e9s m\u00e1s bajos que los prestamistas privados.\u00a0\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En general, ha aumentado la demanda de financiaci\u00f3n alternativa entre los constructores de viviendas, ya que las entidades crediticias est\u00e1n reduciendo la concesi\u00f3n de nuevos pr\u00e9stamos y endureciendo los requisitos para su concesi\u00f3n, una tendencia que se est\u00e1 produciendo en todo el pa\u00eds, <a href=\"https:\/\/www.nahb.org\/-\/media\/NAHB\/news-and-economics\/docs\/housing-economics\/adc-survey\/adc-survey-report.pdf?rev=2657d3edb8f54f9dbe7c412ca0741737&amp;hash=066FA49A1D1EE7658E6A2EF29004B755\">seg\u00fan la encuesta realizada por la Asociaci\u00f3n Nacional de Constructores de Viviendas a finales de 2025.\u00a0<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La forma m\u00e1s habitual en que las entidades crediticias est\u00e1n reduciendo su exposici\u00f3n es bajando el ratio m\u00e1ximo permitido entre el pr\u00e9stamo y el coste, que se refiere al coste de construcci\u00f3n de una vivienda en comparaci\u00f3n con el precio por el que se podr\u00e1 vender posteriormente. Seg\u00fan la encuesta, esto significa que los proyectos con m\u00e1rgenes m\u00e1s reducidos se consideran de mayor riesgo para las entidades crediticias.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los promotores inmobiliarios tambi\u00e9n observaron que las entidades crediticias ofrec\u00edan pr\u00e9stamos de menor cuant\u00eda para los proyectos propuestos, lo que supon\u00eda unos costes iniciales m\u00e1s elevados para el promotor.\u00a0<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"702\" height=\"930\" src=\"https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3.jpeg\" alt=\"Robert Dietz\" class=\"wp-image-6433\" style=\"aspect-ratio:0.7548551093035079;width:127px;height:auto\" srcset=\"https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3.jpeg 702w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3-226x300.jpeg 226w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3-604x800.jpeg 604w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3-366x485.jpeg 366w, https:\/\/www.rgvbusinessjournal.com\/wp-content\/uploads\/2026\/01\/Robert-Dietz-3-174x230.jpeg 174w\" sizes=\"auto, (max-width: 702px) 100vw, 702px\" \/><figcaption class=\"wp-element-caption\">Robert Dietz<\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">\u00abUna de las tendencias que estamos siguiendo muy de cerca de cara a 2026 es la geograf\u00eda\u00bb, afirm\u00f3 Robert Dietz, economista jefe de la Asociaci\u00f3n Nacional de Constructores de Viviendas. \u00abHemos observado una desaceleraci\u00f3n en los mercados de viviendas nuevas en zonas que antes estaban en auge, como Texas y Florida, en parte debido a un exceso de construcci\u00f3n c\u00edclico limitado y al hecho de que los tipos hipotecarios se mantuvieron por encima del 6 % en 2025\u00bb.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En el Valle del R\u00edo Grande se observa una tendencia similar, sobre todo porque ya hay un exceso de viviendas unifamiliares en el mercado. Como consecuencia, algunos promotores est\u00e1n alquilando viviendas que a\u00fan no se han vendido o, en algunos casos, construyendo urbanizaciones enteras de viviendas unifamiliares dise\u00f1adas para su alquiler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En noviembre, el \u00e1rea metropolitana de McAllen-Mission-Edinburg contaba con m\u00e1s de 9,3 meses de stock, lo que indica que ya hab\u00eda miles de viviendas en venta. En el \u00e1rea metropolitana de Brownsville-Harlingen, hab\u00eda 7,4 meses de stock de viviendas en venta.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-rising-land-prices-and-in-demand-locations\"><strong>El aumento de los precios del suelo y las zonas m\u00e1s demandadas<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El precio del suelo es un factor clave en el precio de la vivienda. Por lo general, determina el precio m\u00ednimo de una vivienda unifamiliar.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En 2026, hay pocas parcelas por debajo de los 60 000 d\u00f3lares en el Valle del R\u00edo Grande, sobre todo en las ciudades con mayor demanda: McAllen, Mission y Edinburg.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abEs dif\u00edcil construir viviendas asequibles en el Valle; los precios del suelo han subido. Todos y cada uno de los promotores se enfrentan a dificultades para conseguir el precio adecuado del suelo, de modo que podamos construir parcelas. Los d\u00edas de las parcelas de 30 000 o 40 000 d\u00f3lares han quedado muy atr\u00e1s\u00bb, afirm\u00f3 Zapata. \u00abY cuando los solares cuestan 50 000, 60 000 o 70 000 d\u00f3lares, ya es casi imposible construir una vivienda de 200 000 d\u00f3lares\u00bb.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zapata dijo que conoce a un promotor inmobiliario que est\u00e1 construyendo una urbanizaci\u00f3n y que compr\u00f3 un terreno con 18 parcelas cerca del cruce de Owassa y Sugar Road, en Pharr. El promotor pag\u00f3 180 000 d\u00f3lares por parcela, por lo que las viviendas se estaban vendiendo a 750 000 d\u00f3lares cada una para recuperar el coste del terreno.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Como consecuencia, los promotores inmobiliarios est\u00e1n construyendo en ciudades con un coste de vida m\u00e1s bajo, como San Juan, Pharr, Alamo y otras localidades m\u00e1s al interior del Valle Medio. En Weslaco se construyeron numerosas urbanizaciones porque los solares eran m\u00e1s baratos, pero en estos momentos no hay suficientes compradores.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abHay much\u00edsimas urbanizaciones vac\u00edas en Weslaco. Pueblos fantasma, completamente desiertos\u00bb, dijo Zapata.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Uno de sus clientes, que construy\u00f3 viviendas en Weslaco, est\u00e1 redise\u00f1ando ahora su urbanizaci\u00f3n.\u00a0<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00abQuiz\u00e1 tengan que construir viviendas adosadas o complejos de alquiler\u00bb, dijo Zapata.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A pesar del aumento de los costes de financiaci\u00f3n, algunas constructoras del Valle est\u00e1n recurriendo a opciones de financiaci\u00f3n privadas y no bancarias para mantener en marcha sus proyectos.<\/p>\n","protected":false},"author":9,"featured_media":18436,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"post_views_count":0,"footnotes":""},"categories":[2334,2358,2374],"tags":[],"class_list":["post-18430","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inmobiliaria-es","category-inmobiliaria-residencial-es","category-tendencias-economicas-es"],"acf":{"is_features_post":[],"is_sponser":[],"hide_author":[],"hide_author_biography":[]},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.3 (Yoast SEO v28.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>A medida que los bancos endurecen las condiciones de los pr\u00e9stamos para la construcci\u00f3n, algunas constructoras del Valle del R\u00edo Grande est\u00e1n buscando fuentes de financiaci\u00f3n alternativas<\/title>\n<meta name=\"robots\" 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