Bibliographic citations
Pérez, J., (2018). Modelo de gestión financiero para optimizar los créditos bancarios de proyectos inmobiliarios en el Ecuador [Tesis, Universidad Nacional de Ingeniería]. http://hdl.handle.net/20.500.14076/22985
Pérez, J., Modelo de gestión financiero para optimizar los créditos bancarios de proyectos inmobiliarios en el Ecuador [Tesis]. PE: Universidad Nacional de Ingeniería; 2018. http://hdl.handle.net/20.500.14076/22985
@mastersthesis{renati/267898,
title = "Modelo de gestión financiero para optimizar los créditos bancarios de proyectos inmobiliarios en el Ecuador",
author = "Pérez Almeida, Jhonatan Iván",
publisher = "Universidad Nacional de Ingeniería",
year = "2018"
}
In the last decade in Ecuador construction is the sector that has most believed with an average of 5% between 2007 and 2016, but from 2014 came the slowdown in the economy due to different economic factors, in 2015 and 2016 the recession phase arrives and the construction begins to experience an economic contraction, this causes that the properties and the banks take the measures to improve their productivity. Credits go through these procedures: Delivery of documents, Verification of documents, acceptance of credit, delivery of guarantees, disbursements and payment of credit, mortgage loans for the client. The procedures of the credits are independent of the activities, which causes them to act and work without synergy, there are activities that must be intertwined in order to be structured in the best way, for this reason the components of the model are developed from a point of view integral, guaranteeing the security of the real estate projects and all the entities that participate. The components of the model are: Studies, Planning, Quality and Finance, these 4 activities guarantee a healthy credit for the real estate companies and reduce the risks to the financial companies, by means of these components the development of a project and the culmination of the Proyect. The real estate and financial management model have an integral dynamic with the development of bank credit, the construction stages and the stages of real estate planning, which guarantees that risks are eliminated and reduced in the project. The development of bank credit has a linear process which allows the stages of the project to have a continuous development, bank credit must be related to the following stages: Studies, Planning, execution, control, Sales, after sales, quality and finance.
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