Hábitos de consumo como factor influyente en los créditos hipotecarios para los Millennials en Colombia
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2024
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El estudio analiza los hábitos de consumo de los Millennials colombianos, nacidos entre 1981 y 1996, y su impacto en la obtención de créditos hipotecarios. Utilizando datos del DANE y otros informes relevantes, se caracterizó a esta generación en términos de demografía y perfil socioeconómico. Se empleó un modelo logit para determinar la relación entre diferentes gastos y la probabilidad de obtener un crédito hipotecario, destacando que el ingreso es una variable significativa en este proceso. Los hallazgos muestran que mayores gastos en educación, servicios públicos, telefonía móvil, servicio doméstico, transporte y manutención incrementan la probabilidad de usar créditos hipotecarios, mientras que los gastos en alimentación y la edad no tienen un impacto significativo. Además, el análisis de sensibilidad reveló que cambios en ciertos gastos pueden influir notablemente en la cuota hipotecaria, siendo la educación y el servicio doméstico los que tienen los mayores efectos positivos.
The study analyzes the consumption habits of Colombian Millennials, born between 1981 and 1996, and their impact on obtaining mortgage loans. Using data from DANE and other relevant reports, this generation was characterized in terms of demographics and socioeconomic profiles. A Logit model was employed to determine the relationship between different expenses and the likelihood of obtaining a mortgage loan, highlighting that income is a significant variable in this process. The findings show that higher spending on education, public services, mobile phones, domestic services, transportation, and maintenance increases the probability of using mortgage loans, while spending on food and age does not have a significant impact. Additionally, sensitivity analysis revealed that changes in certain expenses can significantly influence mortgage payments, with education and domestic services having the most positive effects.
The study analyzes the consumption habits of Colombian Millennials, born between 1981 and 1996, and their impact on obtaining mortgage loans. Using data from DANE and other relevant reports, this generation was characterized in terms of demographics and socioeconomic profiles. A Logit model was employed to determine the relationship between different expenses and the likelihood of obtaining a mortgage loan, highlighting that income is a significant variable in this process. The findings show that higher spending on education, public services, mobile phones, domestic services, transportation, and maintenance increases the probability of using mortgage loans, while spending on food and age does not have a significant impact. Additionally, sensitivity analysis revealed that changes in certain expenses can significantly influence mortgage payments, with education and domestic services having the most positive effects.
Palabras clave
Hábitos de consumo, Entorno demográfico, Comportamiento de consumidor, Grupos generacionales, Población mundial, Créditos bancarios