Lineamientos para una regulación del principio de subsidiariedad en el mercado de créditos hipotecarios
This article analyzes the application of the principle of subsidiarity in mortgage loans granted by the Banco de la Nación, highlighting the differing approaches of the Constitutional Court and Indecopi. The former emphasizes social need, while the latter prioritizes market competition and the adequ...
| Autores: | , , |
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| Tipo de documento: | artigo |
| Data de publicação: | 2025 |
| País: | Perú |
| Recursos: | Pontificia Universidad Católica del Perú |
| Repositório: | PUCP-Institucional |
| Idioma: | espanhol |
| OAI Identifier: | oai:repositorio.pucp.edu.pe:20.500.14657/204286 |
| Acesso em linha: | https://revistas.pucp.edu.pe/index.php/themis/article/view/31857/27871 http://hdl.handle.net/20.500.14657/204286 https://doi.org/10.18800/themis.202501.013 |
| Access Level: | Acceso aberto |
| Palavra-chave: | Subsidiarity Market Mortgage credit Public Administration Bank Subsidiariedad Mercado Créditos hipotecarios Estado Banco https://purl.org/pe-repo/ocde/ford#5.05.01 |
| Resumo: | This article analyzes the application of the principle of subsidiarity in mortgage loans granted by the Banco de la Nación, highlighting the differing approaches of the Constitutional Court and Indecopi. The former emphasizes social need, while the latter prioritizes market competition and the adequacy of private supply, considering state intervention justified only when the private sector fails to meet demand effectively. In light of the lack of consistent criteria, we propose guidelines to assess subsidiarity in the granting of these loans and to prevent market distortions. Additionally, we present alternatives to ensure the continued operation of the Banco de la Nación, guaranteeing that its involvement respects the principle of subsidiarity and remains complementary to private banking. |
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