{"id":68282,"date":"2025-12-01T07:00:00","date_gmt":"2025-12-01T13:00:00","guid":{"rendered":"https:\/\/www.elchapucero.com\/?p=68282"},"modified":"2025-12-01T10:14:59","modified_gmt":"2025-12-01T16:14:59","slug":"alerta-en-finanzas-personales-cartera-vencida-familiar-toca-record-historico","status":"publish","type":"post","link":"https:\/\/www.elchapucero.com\/portal\/noticias\/economia\/alerta-en-finanzas-personales-cartera-vencida-familiar-toca-record-historico\/","title":{"rendered":"Alerta en finanzas personales: Cartera vencida familiar toca r\u00e9cord hist\u00f3rico."},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">En octubre, los impagos de cr\u00e9ditos familiares alcanzaron 53,895 mdp, el nivel m\u00e1s alto registrado, seg\u00fan el Banco de M\u00e9xico. Esto representa el 3.3% de la cartera total vigente (1.58 billones de pesos) y un aumento real del 14.9% anual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Los pr\u00e9stamos personales encabezan la morosidad con 17,136 mdp vencidos (6.1% de su cartera y +47% anual), seguidos por tarjetas de cr\u00e9dito (16,944 mdp, 3.5%) y cr\u00e9ditos de n\u00f3mina (12,082 mdp, 2.8%). El estancamiento econ\u00f3mico, la inflaci\u00f3n persistente y el \u201cuso descontrolado de los pl\u00e1sticos\u201d explican el deterioro, justo antes del pico de consumo decembrino y tras El Buen Fin. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La Condusef advirti\u00f3: \u201cPensar bien antes de comprar, especialmente en meses sin intereses, y esperar siete d\u00edas para evaluar la necesidad real\u201d para evitar un mayor sobrendeudamiento en 2026.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En octubre, los impagos de cr\u00e9ditos familiares alcanzaron 53,895 mdp, el nivel m\u00e1s alto registrado, seg\u00fan el Banco de M\u00e9xico. Esto representa el 3.3% de la cartera total vigente (1.58 billones de pesos) y un aumento real del 14.9% anual. Los pr\u00e9stamos personales encabezan la morosidad con 17,136 mdp vencidos (6.1% de su cartera y [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":68283,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"categories":[2],"tags":[4402,17,7826,1233,390],"class_list":["post-68282","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economia","tag-banco-de-mexico","tag-economia","tag-familias-mexicanas","tag-finanzas","tag-mexico-3"],"_links":{"self":[{"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/posts\/68282","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/comments?post=68282"}],"version-history":[{"count":1,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/posts\/68282\/revisions"}],"predecessor-version":[{"id":68284,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/posts\/68282\/revisions\/68284"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/media\/68283"}],"wp:attachment":[{"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/media?parent=68282"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/categories?post=68282"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.elchapucero.com\/portal\/wp-json\/wp\/v2\/tags?post=68282"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}