Dossier Analítico de Créditos Hipotecarios
Corte SBS: Mayo 2026
Informe Ejecutivo de Mercado: Financiamiento Habitacional y MiVivienda
Análisis integral de saldos, cuota de mercado bancario, calidad de cartera SBS, demografía de prestatarios y concentración geográfica en el Perú.
Saldo Cartera Nacional
S/ 76,538.04 M
331,316 Préstamos Activos
1 Resumen Ejecutivo & Principales Indicadores (KPIs)
Saldo Colocado
S/ 76,538.04 M
331,316 operaciones
Titulares Únicos
316,617
Deudores hipotecarios
Ticket Promedio
S/ 231,012
Saldo medio por vivienda
Cartera Normal SBS
93.38%
Pesada: 5.32%
2 Benchmarking Integral de Entidades Financieras
| # | Entidad Financiera | Saldo Colocado (S/.) | Cuota (%) | Créditos | Clientes | Ticket Prom. | % Normal | % Pesada |
|---|---|---|---|---|---|---|---|---|
| 1 | BANCO DE CREDITO DEL PERÚ | S/ 24,728,612,063.35 | 32.31% | 89,694 | 86,325 | S/ 275,700 | 94.30% | 4.60% |
| 2 | BANCO BBVA PERÚ | S/ 19,116,267,764.18 | 24.98% | 63,884 | 62,709 | S/ 299,234 | 95.01% | 3.88% |
| 3 | BANCO INTERNACIONAL DEL PERÚ | S/ 11,617,655,521.79 | 15.18% | 52,353 | 51,682 | S/ 221,910 | 94.60% | 4.19% |
| 4 | SCOTIABANK PERU S A A | S/ 11,442,042,030.87 | 14.95% | 40,155 | 38,969 | S/ 284,947 | 91.05% | 7.34% |
| 5 | BANCO INTERAMERICANO DE FINANZAS | S/ 3,683,368,202.63 | 4.81% | 19,538 | 19,266 | S/ 188,523 | 93.10% | 5.90% |
| 6 | BANCO PICHINCHA | S/ 1,582,913,047.03 | 2.07% | 13,332 | 12,776 | S/ 118,730 | 87.51% | 8.21% |
| 7 | BANCO DE LA NACION | S/ 868,385,385.90 | 1.13% | 6,568 | 6,562 | S/ 132,215 | 97.85% | 1.53% |
| 8 | BANCO GNB PERU S.A. | S/ 568,960,491.22 | 0.74% | 5,233 | 5,124 | S/ 108,725 | 87.56% | 9.53% |
| 9 | CAJA MUNICIPAL DE AHORRO Y CREDITO HUANCAYO | S/ 401,335,195.57 | 0.52% | 7,410 | 7,159 | S/ 54,161 | 85.11% | 13.22% |
| 10 | CAJA MUNICIPAL DE AHORRO Y CREDITO PIURA | S/ 345,937,195.77 | 0.45% | 3,539 | 3,517 | S/ 97,750 | 85.36% | 12.88% |
| 11 | MIBANCO BANCO DE LA MICRO EMPRESA S A | S/ 325,436,355.70 | 0.43% | 3,379 | 3,251 | S/ 96,311 | 88.03% | 9.63% |
| 12 | FINANCIERA EFECTIVA S A | S/ 295,327,229.65 | 0.39% | 3,819 | 3,755 | S/ 77,331 | 93.47% | 5.49% |
| 13 | CAJA MUNICIPAL DE AHORRO Y CREDITO DE AREQUIPA | S/ 278,205,831.44 | 0.36% | 3,269 | 3,224 | S/ 85,104 | 89.79% | 8.20% |
| 14 | CAJA MUNICIPAL DE AHORRO Y CREDITO CUSCO S A | S/ 247,490,684.86 | 0.32% | 2,068 | 2,063 | S/ 119,676 | 91.87% | 7.62% |
| 15 | FONDO MIVIVIENDA S A | S/ 236,912,500.41 | 0.31% | 6,616 | 6,382 | S/ 35,809 | 29.92% | 68.27% |
| 16 | EDPYME MICASITA S A | S/ 219,274,497.41 | 0.29% | 3,061 | 2,861 | S/ 71,635 | 85.69% | 9.83% |
| 17 | CAJA MUNICIPAL DE AHORRO Y CREDITO TRUJILLO | S/ 198,122,413.23 | 0.26% | 1,691 | 1,614 | S/ 117,163 | 89.30% | 8.61% |
| 18 | BANCO DE COMERCIO | S/ 102,641,142.07 | 0.13% | 1,217 | 1,138 | S/ 84,339 | 82.01% | 12.07% |
| 19 | CAJA MUNICIPAL DE AHORRO Y CREDITO ICA | S/ 97,870,066.19 | 0.13% | 2,284 | 2,142 | S/ 42,850 | 87.92% | 8.79% |
| 20 | CREDISCOTIA FINANCIERA S A | S/ 65,771,657.35 | 0.09% | 537 | 525 | S/ 122,480 | 95.78% | 2.57% |
| 21 | SOLUCIÓN EMPRESA ADMINISTRADORA HIPOTECARIA | S/ 46,475,906.81 | 0.06% | 484 | 479 | S/ 96,025 | 86.61% | 11.66% |
| 22 | CAJA RURAL DE AHORRO Y CREDITO RAIZ S.A.A | S/ 18,792,874.62 | 0.02% | 175 | 167 | S/ 107,388 | 35.58% | 63.17% |
| 23 | OTRA ENTIDAD | S/ 10,593,644.42 | 0.01% | 211 | 202 | S/ 50,207 | 72.68% | 23.47% |
| 24 | CAJA MUNICIPAL DE CREDITO POPULAR DE LIMA | S/ 7,228,619.23 | 0.01% | 147 | 133 | S/ 49,174 | 68.48% | 20.21% |
| 25 | CAJA MUNICIPAL DE AHORRO Y CREDITO MAYNAS | S/ 7,071,049.87 | 0.01% | 173 | 161 | S/ 40,873 | 80.58% | 16.77% |
| 26 | BWS TITULIZADORA 2 TRANSFERENCIA A SCI | S/ 4,335,470.82 | 0.01% | 68 | 64 | S/ 63,757 | 0.00% | 100.00% |
| 27 | CAJA MUNICIPAL DE AHORRO Y CREDITO TACNA | S/ 3,984,235.07 | 0.01% | 49 | 48 | S/ 81,311 | 75.23% | 19.90% |
| 28 | CAJA DE PENSIONES MILITAR POLICIAL VENTA DE CARTERA A ADMINISTRADORA DE COMERCIO | S/ 2,979,295.38 | 0.00% | 44 | 41 | S/ 67,711 | 0.00% | 100.00% |
| 29 | BWS FIDEICOMISO EN GARANTIA BANCO SUDAMERICANO TRANSFERENCIA A SCI | S/ 2,736,141.52 | 0.00% | 31 | 31 | S/ 88,263 | 0.00% | 100.00% |
| 30 | CMAC AREQUIPA-ADQUI.BLOQUE PATRIMON | S/ 2,554,295.74 | 0.00% | 55 | 36 | S/ 46,442 | 63.53% | 36.47% |
| 31 | FINANCIERA TFC S A | S/ 2,362,717.05 | 0.00% | 154 | 150 | S/ 15,342 | 38.79% | 59.75% |
| 32 | CORPORACION FINANCIERA DE DESARROLLO S.A. | S/ 1,995,078.77 | 0.00% | 15 | 14 | S/ 133,005 | 81.64% | 18.36% |
| 33 | BANCO GNB PERÚ SA VENTA DE CARTERA BANCO GNB SUDAMERIS SA | S/ 1,340,184.48 | 0.00% | 6 | 6 | S/ 223,364 | 0.00% | 100.00% |
| 34 | PATRIMONIO EN FIDEICOMISO BANCO WIESE LTDO 1999-01 | S/ 1,151,410.00 | 0.00% | 1 | 1 | S/ 1,151,410 | 0.00% | 100.00% |
| 35 | CMAC HUANCAYO VENTA DE CARTERA FOCMAC | S/ 1,147,408.94 | 0.00% | 27 | 27 | S/ 42,497 | 0.00% | 100.00% |
| 36 | BANCO FINANCIERO CARTERA EN FIDEICOMISO 1 NBK | S/ 402,839.28 | 0.00% | 1 | 1 | S/ 402,839 | 0.00% | 100.00% |
| 37 | BANCO DE COMERCIO RES 1114 99 TRANS DE CARTERA A INVERSIONES BCO DE COMERCIO | S/ 209,258.10 | 0.00% | 5 | 5 | S/ 41,852 | 0.00% | 100.00% |
| 38 | SCOTIABANK PERU VENTA DE CARTERA | S/ 112,595.54 | 0.00% | 4 | 4 | S/ 28,149 | 0.00% | 100.00% |
| 39 | BANCO FINANCIERO CARTERA CREDITICIA A RECAUDO COBRANZA Y RECUPERACIONES S A C | S/ 20,210.73 | 0.00% | 10 | 8 | S/ 2,021 | 0.00% | 100.00% |
| 40 | FINANCIERA CONFIANZA S.A.A. | S/ 12,455.49 | 0.00% | 7 | 6 | S/ 1,779 | 60.90% | 39.10% |
| 41 | CAJA RURAL PRYMERA | S/ 1,818.80 | 0.00% | 1 | 1 | S/ 1,819 | 0.00% | 100.00% |
| 42 | PATRIMONIO EN FIDEICOMISO BANCO WIESE SUDAMERIS 1999-02 | S/ 0.03 | 0.00% | 1 | 1 | S/ 0 | 0.00% | 100.00% |
3 Modalidades Hipotecarias y Programas Estatales (MiVivienda / Techo Propio)
| Modalidad / Descripción de Préstamo | N° Créditos | % Créditos | Saldo Colocado (S/.) | % Saldo | Ticket Prom. |
|---|---|---|---|---|---|
| Préstamos con hipoteca inscrita | 168,404 | 50.83% | S/ 48,407,334,043.51 | 63.25% | S/ 287,448 |
| Préstamos sin hipoteca inscrita | 41,981 | 12.67% | S/ 15,333,243,206.78 | 20.03% | S/ 365,242 |
| Mi Vivienda | 119,644 | 36.11% | S/ 12,601,297,367.27 | 16.46% | S/ 105,323 |
| Otros Préstamos Hipotecarios | 1,287 | 0.39% | S/ 196,162,169.74 | 0.26% | S/ 152,418 |
4 Demografía Crediticia: Matriz Cruzada de Grupo de Edad por Género
| Grupo de Edad | Saldo Mujeres (S/.) | Créditos F | Ticket F | Saldo Hombres (S/.) | Créditos M | Ticket M | Saldo Total | % Total |
|---|---|---|---|---|---|---|---|---|
| < 25 años | S/ 67,327,108.70 | 394 | S/ 170,881 | S/ 62,103,440.07 | 330 | S/ 188,192 | S/ 129,430,548.77 | 0.17% |
| 25 a 35 años | S/ 5,892,287,086.99 | 28,001 | S/ 210,431 | S/ 6,400,548,990.67 | 28,679 | S/ 223,179 | S/ 12,292,836,077.66 | 16.06% |
| 36 a 50 años | S/ 15,258,736,077.73 | 71,028 | S/ 214,827 | S/ 22,475,856,872.03 | 88,888 | S/ 252,856 | S/ 37,734,592,949.76 | 49.30% |
| 51 a 65 años | S/ 7,059,443,068.90 | 36,155 | S/ 195,255 | S/ 11,434,197,410.45 | 46,480 | S/ 246,003 | S/ 18,493,640,479.35 | 24.16% |
| > 65 años | S/ 880,138,600.29 | 6,300 | S/ 139,705 | S/ 1,365,711,742.19 | 8,290 | S/ 164,742 | S/ 2,245,850,342.48 | 2.93% |
5 Concentración Geográfica: Departamentos y Distritos Líderes
Top Departamentos
| Departamento | Créditos | Saldo (S/.) | % Cuota |
|---|---|---|---|
| LIMA | 186,416 | S/ 49,803,645,183.80 | 65.07% |
| NO ESPECIFICADO | 19,260 | S/ 6,157,416,498.09 | 8.04% |
| AREQUIPA | 15,440 | S/ 3,337,043,023.33 | 4.36% |
| LA LIBERTAD | 16,060 | S/ 2,925,101,063.03 | 3.82% |
| CALLAO | 11,862 | S/ 2,280,370,579.20 | 2.98% |
| LAMBAYEQUE | 12,919 | S/ 1,700,960,343.36 | 2.22% |
| PIURA | 13,192 | S/ 1,573,073,778.24 | 2.06% |
| ICA | 12,357 | S/ 1,340,156,089.79 | 1.75% |
| JUNIN | 7,275 | S/ 1,216,901,449.92 | 1.59% |
| CUSCO | 4,686 | S/ 1,066,937,612.73 | 1.39% |
Top Distritos Líderes
| Distrito | Dpto | Créditos | Saldo (S/.) |
|---|---|---|---|
| SANTIAGO DE SURCO | LIMA | 18,427 | S/ 6,537,630,115.95 |
| MIRAFLORES | LIMA | 10,551 | S/ 4,228,249,119.89 |
| SAN BORJA | LIMA | 8,331 | S/ 3,072,354,092.57 |
| LA MOLINA | LIMA | 7,895 | S/ 3,023,037,839.06 |
| SAN ISIDRO | LIMA | 5,681 | S/ 2,790,897,443.70 |
| JESUS MARIA | LIMA | 8,687 | S/ 2,306,889,862.03 |
| SAN MIGUEL | LIMA | 9,198 | S/ 2,267,872,124.47 |
| LIMA | LIMA | 9,253 | S/ 2,006,798,638.10 |
| SAN MARTIN DE PORRES | LIMA | 8,871 | S/ 1,813,756,802.06 |
| SAN JUAN DE LURIGANCHO | LIMA | 7,793 | S/ 1,763,356,396.08 |
6 Estratificación de Saldos y Calidad de Cartera SBS
Tramos de Saldo por Vivienda
| Tramo | % Créditos | Saldo (S/.) | % Saldo |
|---|---|---|---|
| < S/ 50k | 17.77% | S/ 1,363,034,439.64 | 1.78% |
| S/ 50k - 150k | 29.10% | S/ 9,337,312,586.79 | 12.20% |
| S/ 150k - 300k | 27.36% | S/ 19,995,174,566.15 | 26.12% |
| S/ 300k - 600k | 19.58% | S/ 26,435,618,386.16 | 34.54% |
| > S/ 600k | 6.18% | S/ 19,406,896,808.57 | 25.36% |
Categorías de Calificación SBS
| Categoría | Créditos | Saldo (S/.) | % Saldo |
|---|---|---|---|
| Normal | 294,631 | S/ 71,468,465,112.91 | 93.38% |
| Dudoso | 9,132 | S/ 1,115,665,632.36 | 1.46% |
| Perdida | 15,853 | S/ 2,256,882,734.97 | 2.95% |
| CPP | 6,800 | S/ 998,402,462.31 | 1.30% |
| Deficiente | 4,900 | S/ 698,620,844.73 | 0.91% |