El apalancamiento financiero en proyectos de bienes raíces para rentar en la Ciudad de Machala

Abstract

This study analyzed the financial leverage in real estate projects for rent in the city of Machala, with the objective of knowing the main suppliers of rental service of apartments in condominiums, the sectorization of the city with the average prices of rents and the main banks and cooperatives that offer loans for this sector of the economy. The methodology used was descriptive and cross-sectional. The results obtained through the interview with the main suppliers of the apartment rental service determined that real estate investment is profitable and can bring great benefits in the long term. Likewise, through the interview conducted with the main banks and cooperatives domiciled in the city of Machala, it was identified that in Machala there are credits focused on the real estate sector that benefit the construction sector and therefore people who wish to get involved in this sector of the economy, in particular the bank of Pichincha offers an exclusive credit for the construction of commercial housing with a rate of 11.23%, likewise regarding the term of the credit that is provided is a maximum of 5 years and also provides a benefit to the lender which is the credit insurance. In this sense, a comparative table was made to identify the best scenario for the investment; and with this it was obtained a result that the best scenario to invest in the construction of a rental building is in zoning 1 (downtown area of the city) with an ROI of 15.56% and a reference rate of 11.33%.