en.Wedoany.com Reported - Mexico's housing market is undergoing a profound structural transformation. Rising land costs, increasing difficulty in obtaining mortgages, urban spatial restructuring, and changes in the profile of homebuyers are compelling the industry to reassess how homes are built, financed, and inhabited.
The recent "Capítulo 3 de Liga Inmobiliaria" conference brought together representatives from public institutions, developers, banks, analytical firms, appraisal agencies, and international experts to analyze trends, challenges, and opportunities affecting urban and housing development in Mexico. The core message from the conference was that current challenges can no longer be viewed solely from the perspective of new home construction but must incorporate a comprehensive view of urbanism, accessibility, and quality of life.
José Shabot, CEO of Quiero Casa, called for a rethinking of the meaning of housing, placing people at the center of real estate development. He noted that housing is not just about square meters and renderings, but about home, quality of life, and assets. The greatest challenge today is not merely building structures, but creating better ways of living. He also warned that the ongoing trend of urban densification requires developers to build projects that are more efficient, better integrated into the urban fabric, and close to transportation, services, employment, and public spaces. Shabot emphasized that affordability is the industry's biggest challenge, a problem that can only be solved through coordination between the government, developers, and the financial system.
Marissa González Guzmán, Senior Economist at BBVA Research, outlined the structural pressures on the mortgage market due to rapidly rising home prices. Data shows that between 2016 and 2024, home prices in Mexico increased by nearly 92%, while household incomes grew by only 14%, making formal housing increasingly difficult to access. González Guzmán argued that housing demand exists, but the problem is that more and more people cannot afford it. The affordability challenge requires new public policies, new financial products, and new ways of understanding income. She added that growth in formal employment and the middle-income segment presents opportunities for the market, but integrating independent workers and those in informal employment into the financing system remains a major challenge.
Marina Muñoz García, Regional Manager of the Urban Housing Practitioners Hub (UHPH), pointed out that Latin America is experiencing a shift in housing paradigms, with traditional models no longer sufficient to address current social realities. She stated that the housing crisis cannot be solved by new construction alone; rental, self-build, renovation, and new hybrid models must be considered. Given that over half of Mexico's employed population works informally, Muñoz García emphasized the need to develop financial and housing solutions for those excluded from the traditional system. She noted that several countries in the region are already implementing innovative savings models, institutional rentals, and alternative risk analysis to expand access to housing.
Francisco Valle, Director of Issuers at the Mexican Institutional Stock Exchange (Bolsa Institucional de Valores, BIVA), highlighted the role of the securities market as a source of capital for real estate companies. He reported that as of the end of 2026, BIVA had facilitated financing of over 340 billion pesos, a significant portion of which was directed towards companies involved in housing and real estate infrastructure.
On the technology and application front, Romain Benenati, CEO of Creditaria México, pointed out that one of the main problems in the real estate industry is lost transactions due to a lack of timely financial profiles. He demonstrated technological tools capable of determining a potential buyer's credit capacity within seconds at the point of sale. Alfonso Penela, General Director of the Mexican Appraisal Corporation (Corporación Mexicana de Valuación), explained that advances in artificial intelligence will profoundly change real estate appraisal work, but clarified that human judgment remains indispensable.
From an urban development perspective, Enrique Téllez, Co-Director of developer del parque®, stated that developing large-scale projects in mature areas of cities like Mexico City requires comprehensive consideration of transportation, community, infrastructure, safety, and urban symbiosis. He noted that the success of large developments depends not only on the buildings themselves but also on how they integrate into the city and create value for both new and existing residents. Projects must address the needs of densification, urban living, and reducing commute times by being located near strategic urban corridors.
At the policy level, Jabnely Maldonado, Executive Commissioner of Fovissste, announced that the institution will return to building social housing as part of the Mexican government's "Vivienda para el Bienestar" (Housing for Welfare) program. She stated that the institution will participate in national housing construction targets, targeting low-income workers, and noted that persistently rising home prices have significantly reduced families' opportunities to obtain housing solutions. Circe Díaz Duarte, Director General of Housing Policy at Sedatu, revealed that the federal government is advancing deep regulatory coordination to strengthen national housing policy and consolidate the concept of adequate housing within Mexico's legal framework. She indicated that one of the main objectives is to effectively link housing, land, and territorial planning policies, and emphasized that Sedatu is promoting regulatory updates, new mechanisms for coordination with local governments, and measures to address issues such as self-built housing.
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