Dossier Analítico de Créditos Hipotecarios
Corte SBS: Junio 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/ 76,995.80 M
332,417 Préstamos Activos
1 Resumen Ejecutivo & Principales Indicadores (KPIs)
Saldo Colocado
S/ 76,995.80 M
332,417 operaciones
Titulares Únicos
316,133
Deudores hipotecarios
Ticket Promedio
S/ 231,624
Saldo medio por vivienda
Cartera Normal SBS
93.25%
Pesada: 5.36%
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/ 24,915,683,088.00 | 32.36% | 90,124 | 86,753 | S/ 276,460 | 94.14% | 4.57% |
| 2 | BANCO BBVA PERÚ | S/ 19,225,035,110.00 | 24.97% | 64,248 | 62,431 | S/ 299,232 | 94.96% | 4.00% |
| 3 | BANCO INTERNACIONAL DEL PERÚ | S/ 11,689,132,214.00 | 15.18% | 52,655 | 51,845 | S/ 221,995 | 94.26% | 4.34% |
| 4 | SCOTIABANK PERU S A A | S/ 11,495,906,097.00 | 14.93% | 40,161 | 39,153 | S/ 286,246 | 90.98% | 7.33% |
| 5 | BANCO INTERAMERICANO DE FINANZAS | S/ 3,707,228,122.00 | 4.81% | 19,665 | 19,383 | S/ 188,519 | 92.99% | 5.90% |
| 6 | BANCO PICHINCHA | S/ 1,582,591,474.00 | 2.06% | 13,288 | 12,731 | S/ 119,099 | 87.71% | 8.36% |
| 7 | BANCO DE LA NACION | S/ 875,602,815.00 | 1.14% | 6,598 | 6,592 | S/ 132,707 | 97.76% | 1.35% |
| 8 | BANCO GNB PERU S.A. | S/ 572,199,391.00 | 0.74% | 5,249 | 5,106 | S/ 109,011 | 86.94% | 9.84% |
| 9 | CAJA MUNICIPAL DE AHORRO Y CREDITO HUANCAYO | S/ 401,783,666.00 | 0.52% | 7,366 | 7,129 | S/ 54,546 | 85.47% | 12.93% |
| 10 | CAJA MUNICIPAL DE AHORRO Y CREDITO PIURA | S/ 344,783,802.00 | 0.45% | 3,525 | 3,503 | S/ 97,811 | 85.27% | 13.00% |
| 11 | MIBANCO BANCO DE LA MICRO EMPRESA S A | S/ 324,277,371.00 | 0.42% | 3,351 | 3,228 | S/ 96,770 | 87.65% | 9.98% |
| 12 | FINANCIERA EFECTIVA S A | S/ 296,278,145.00 | 0.38% | 3,841 | 3,770 | S/ 77,136 | 93.15% | 5.70% |
| 13 | CAJA MUNICIPAL DE AHORRO Y CREDITO DE AREQUIPA | S/ 277,218,206.00 | 0.36% | 3,258 | 3,214 | S/ 85,088 | 89.99% | 8.02% |
| 14 | CAJA MUNICIPAL DE AHORRO Y CREDITO CUSCO S A | S/ 248,045,382.00 | 0.32% | 2,073 | 2,068 | S/ 119,655 | 91.72% | 7.66% |
| 15 | FONDO MIVIVIENDA S A | S/ 235,885,347.00 | 0.31% | 6,625 | 6,365 | S/ 35,605 | 29.41% | 68.71% |
| 16 | EDPYME MICASITA S A | S/ 220,072,296.00 | 0.29% | 3,076 | 2,872 | S/ 71,545 | 85.63% | 9.96% |
| 17 | CAJA MUNICIPAL DE AHORRO Y CREDITO TRUJILLO | S/ 202,652,508.00 | 0.26% | 1,703 | 1,620 | S/ 118,997 | 87.45% | 8.37% |
| 18 | BANCO DE COMERCIO | S/ 101,920,760.00 | 0.13% | 1,224 | 1,133 | S/ 83,269 | 82.01% | 12.32% |
| 19 | CAJA MUNICIPAL DE AHORRO Y CREDITO ICA | S/ 97,876,263.00 | 0.13% | 2,202 | 2,129 | S/ 44,449 | 90.44% | 8.71% |
| 20 | CREDISCOTIA FINANCIERA S A | S/ 67,907,136.00 | 0.09% | 544 | 535 | S/ 124,829 | 96.22% | 2.09% |
| 21 | SOLUCIÓN EMPRESA ADMINISTRADORA HIPOTECARIA | S/ 45,986,017.00 | 0.06% | 478 | 473 | S/ 96,205 | 86.37% | 11.55% |
| 22 | CAJA RURAL DE AHORRO Y CREDITO RAIZ S.A.A | S/ 18,045,377.00 | 0.02% | 170 | 167 | S/ 106,149 | 36.64% | 62.47% |
| 23 | OTRA ENTIDAD | S/ 10,440,532.00 | 0.01% | 209 | 200 | S/ 49,955 | 72.97% | 23.51% |
| 24 | CAJA MUNICIPAL DE CREDITO POPULAR DE LIMA | S/ 7,086,001.00 | 0.01% | 139 | 132 | S/ 50,978 | 73.19% | 20.36% |
| 25 | CAJA MUNICIPAL DE AHORRO Y CREDITO MAYNAS | S/ 6,912,996.00 | 0.01% | 171 | 159 | S/ 40,427 | 77.17% | 15.67% |
| 26 | BWS TITULIZADORA 2 TRANSFERENCIA A SCI | S/ 4,330,577.00 | 0.01% | 68 | 63 | S/ 63,685 | 0.00% | 100.00% |
| 27 | CAJA MUNICIPAL DE AHORRO Y CREDITO TACNA | S/ 3,958,224.00 | 0.01% | 50 | 49 | S/ 79,164 | 75.16% | 19.96% |
| 28 | CAJA DE PENSIONES MILITAR POLICIAL VENTA DE CARTERA A ADMINISTRADORA DE COMERCIO | S/ 2,979,272.00 | 0.00% | 44 | 40 | S/ 67,711 | 0.00% | 100.00% |
| 29 | BWS FIDEICOMISO EN GARANTIA BANCO SUDAMERICANO TRANSFERENCIA A SCI | S/ 2,733,130.00 | 0.00% | 31 | 31 | S/ 88,165 | 0.00% | 100.00% |
| 30 | CMAC AREQUIPA-ADQUI.BLOQUE PATRIMON | S/ 2,538,088.00 | 0.00% | 53 | 36 | S/ 47,888 | 60.77% | 36.54% |
| 31 | FINANCIERA TFC S A | S/ 2,345,348.00 | 0.00% | 151 | 147 | S/ 15,532 | 38.09% | 61.51% |
| 32 | CORPORACION FINANCIERA DE DESARROLLO S.A. | S/ 1,982,529.00 | 0.00% | 15 | 14 | S/ 132,169 | 81.55% | 18.45% |
| 33 | BANCO GNB PERÚ SA VENTA DE CARTERA BANCO GNB SUDAMERIS SA | S/ 1,340,183.00 | 0.00% | 6 | 6 | S/ 223,364 | 0.00% | 100.00% |
| 34 | PATRIMONIO EN FIDEICOMISO BANCO WIESE LTDO 1999-01 | S/ 1,150,060.00 | 0.00% | 1 | 1 | S/ 1,150,060 | 0.00% | 100.00% |
| 35 | CMAC HUANCAYO VENTA DE CARTERA FOCMAC | S/ 1,145,768.00 | 0.00% | 27 | 27 | S/ 42,436 | 0.00% | 100.00% |
| 36 | BANCO FINANCIERO CARTERA EN FIDEICOMISO 1 NBK | S/ 402,367.00 | 0.00% | 1 | 1 | S/ 402,367 | 0.00% | 100.00% |
| 37 | BANCO DE COMERCIO RES 1114 99 TRANS DE CARTERA A INVERSIONES BCO DE COMERCIO | S/ 198,234.00 | 0.00% | 4 | 4 | S/ 49,558 | 0.00% | 100.00% |
| 38 | SCOTIABANK PERU VENTA DE CARTERA | S/ 112,463.00 | 0.00% | 4 | 4 | S/ 28,116 | 0.00% | 100.00% |
| 39 | BANCO FINANCIERO CARTERA CREDITICIA A RECAUDO COBRANZA Y RECUPERACIONES S A C | S/ 20,203.00 | 0.00% | 10 | 8 | S/ 2,020 | 0.00% | 100.00% |
| 40 | FINANCIERA CONFIANZA S.A.A. | S/ 11,829.00 | 0.00% | 7 | 6 | S/ 1,690 | 60.81% | 39.19% |
| 41 | CAJA RURAL PRYMERA | S/ 1,816.00 | 0.00% | 1 | 1 | S/ 1,816 | 0.00% | 100.00% |
| 42 | PATRIMONIO EN FIDEICOMISO BANCO WIESE SUDAMERIS 1999-02 | S/ 0.00 | 0.00% | 1 | 1 | S/ 0 | 0.00% | 0.00% |
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 | 168,790 | 50.78% | S/ 48,560,405,604.00 | 63.07% | S/ 287,697 |
| Préstamos sin hipoteca inscrita | 42,559 | 12.80% | S/ 15,587,344,000.00 | 20.24% | S/ 366,253 |
| Mi Vivienda | 119,723 | 36.02% | S/ 12,646,587,977.00 | 16.43% | S/ 105,632 |
| Otros Préstamos Hipotecarios | 1,345 | 0.40% | S/ 201,462,626.00 | 0.26% | S/ 149,786 |
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/ 72,872,369.00 | 415 | S/ 175,596 | S/ 67,674,297.00 | 359 | S/ 188,508 | S/ 140,546,666.00 | 0.18% |
| 25 a 35 años | S/ 6,275,053,390.00 | 29,234 | S/ 214,649 | S/ 6,847,898,345.00 | 30,143 | S/ 227,180 | S/ 13,122,951,735.00 | 17.04% |
| 36 a 50 años | S/ 16,094,632,380.00 | 73,541 | S/ 218,853 | S/ 23,971,490,276.00 | 93,298 | S/ 256,935 | S/ 40,066,122,656.00 | 52.04% |
| 51 a 65 años | S/ 7,392,015,272.00 | 37,147 | S/ 198,994 | S/ 12,237,257,541.00 | 48,947 | S/ 250,010 | S/ 19,629,272,813.00 | 25.49% |
| > 65 años | S/ 909,329,284.00 | 6,384 | S/ 142,439 | S/ 1,452,361,250.00 | 8,699 | S/ 166,957 | S/ 2,361,690,534.00 | 3.07% |
5 Concentración Geográfica: Departamentos y Distritos Líderes
Top Departamentos
| Departamento | Créditos | Saldo (S/.) | % Cuota |
|---|---|---|---|
| LIMA | 196,157 | S/ 53,164,577,072.00 | 69.05% |
| AREQUIPA | 15,910 | S/ 3,495,053,072.00 | 4.54% |
| LA LIBERTAD | 16,575 | S/ 3,088,692,155.00 | 4.01% |
| CALLAO | 12,332 | S/ 2,390,753,772.00 | 3.11% |
| NO ESPECIFICADO | 6,769 | S/ 2,198,682,503.00 | 2.86% |
| LAMBAYEQUE | 13,277 | S/ 1,769,495,705.00 | 2.30% |
| PIURA | 13,659 | S/ 1,655,804,455.00 | 2.15% |
| ICA | 12,492 | S/ 1,393,284,099.00 | 1.81% |
| JUNIN | 7,497 | S/ 1,280,015,069.00 | 1.66% |
| CUSCO | 4,883 | S/ 1,129,515,089.00 | 1.47% |
Top Distritos Líderes
| Distrito | Dpto | Créditos | Saldo (S/.) |
|---|---|---|---|
| SANTIAGO DE SURCO | LIMA | 19,636 | S/ 7,020,484,233.00 |
| MIRAFLORES | LIMA | 11,144 | S/ 4,501,243,423.00 |
| SAN BORJA | LIMA | 8,902 | S/ 3,331,526,486.00 |
| LA MOLINA | LIMA | 8,436 | S/ 3,267,986,361.00 |
| SAN ISIDRO | LIMA | 6,045 | S/ 2,995,798,605.00 |
| JESUS MARIA | LIMA | 9,200 | S/ 2,480,587,566.00 |
| SAN MIGUEL | LIMA | 9,608 | S/ 2,412,987,342.00 |
| LIMA | LIMA | 9,583 | S/ 2,098,548,608.00 |
| SAN MARTIN DE PORRES | LIMA | 9,255 | S/ 1,920,090,232.00 |
| SAN JUAN DE LURIGANCHO | LIMA | 8,169 | S/ 1,881,461,440.00 |
6 Estratificación de Saldos y Calidad de Cartera SBS
Tramos de Saldo por Vivienda
| Tramo | % Créditos | Saldo (S/.) | % Saldo |
|---|---|---|---|
| < S/ 50k | 17.68% | S/ 1,359,640,662.00 | 1.77% |
| S/ 50k - 150k | 28.97% | S/ 9,339,543,776.00 | 12.13% |
| S/ 150k - 300k | 27.45% | S/ 20,132,824,651.00 | 26.15% |
| S/ 300k - 600k | 19.71% | S/ 26,695,575,920.00 | 34.67% |
| > S/ 600k | 6.18% | S/ 19,468,215,198.00 | 25.28% |
Categorías de Calificación SBS
| Categoría | Créditos | Saldo (S/.) | % Saldo |
|---|---|---|---|
| Normal | 295,010 | S/ 71,795,311,284.00 | 93.25% |
| CPP | 7,123 | S/ 1,073,536,209.00 | 1.39% |
| Perdida | 15,875 | S/ 2,241,728,521.00 | 2.91% |
| Deficiente | 5,307 | S/ 768,718,486.00 | 1.00% |
| Dudoso | 9,102 | S/ 1,116,505,707.00 | 1.45% |