{"id":9721,"date":"2022-05-18T11:59:57","date_gmt":"2022-05-18T16:59:57","guid":{"rendered":"https:\/\/ciudapolis.com\/blog\/?p=9721"},"modified":"2024-08-03T21:22:56","modified_gmt":"2024-08-03T19:22:56","slug":"credito-hipotecario-requisitos-para-obtenerlo","status":"publish","type":"post","link":"https:\/\/ciudapolis.com\/en\/blog\/credito-hipotecario-requisitos-para-obtenerlo\/","title":{"rendered":"\u00bfDecidido a adquirir un inmueble a trav\u00e9s de financiamiento?"},"content":{"rendered":"<h3 class=\"wp-block-heading\">Est\u00e1s decidido a adquirir tu propio inmueble, pero a\u00fan no tienes claridad de cu\u00e1les son los requisitos clave para poder acceder a un financiamiento. Obt\u00e9n conocimiento para poder calificar a un cr\u00e9dito Hipotecario.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Debes tener conocimiento que existen Tipos de Cr\u00e9dito Hipotecario:<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><sup>1. Cr\u00e9dito hipotecario tradicional:<\/sup><\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Es el m\u00e1s conocido y el que m\u00e1s se usa. Es un cr\u00e9dito personal que se adquiere con el objetivo de comprar un bien mueble o terreno.<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><strong><sup>2. Cr\u00e9dito hipotecario compartido:<\/sup><\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Es un cr\u00e9dito compartido, donde no necesariamente los participantes deben tener un parentesco familiar directo. Es uno de los tipos de cr\u00e9dito que viene en crecimiento ya que los ingresos del grupo de personas se suman.<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\"><sup><strong>3. Cr\u00e9dito hipotecario para construcci\u00f3n:<\/strong><\/sup><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Este tipo de cr\u00e9dito se solicita y es otorgado para fines de construcci\u00f3n, remodelaci\u00f3n y\/o ampliaci\u00f3n.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Requisitos para acceder a un Cr\u00e9dito Hipotecario<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">1. Tener m\u00ednimo 18 a\u00f1os o m\u00e1ximo 69.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">2. Tener buen record crediticio.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">3. Comprobantes de pago de servicios (luz o agua).<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">4. Comprobantes de pago de impuestos.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">5. Documentos que validen el nivel y tipo de ingresos.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">En resumen, toda persona mayor de edad hasta los 69 a\u00f1os est\u00e1 en la capacidad de solicitar un Cr\u00e9dito Hipotecario y para ello es fundamental que mantenga un buen historial crediticio, eso quiere decir que debe estar al d\u00eda en sus obligaciones con todas las entendidas que mantenga alg\u00fan tipo de deuda. Normalmente los bancos en sus plataformas informativas sobre el cr\u00e9dito hipotecario solicitan un ingreso m\u00ednimo de 1500.00 soles o su equivalente en d\u00f3lares. Sin embargo, la recomendaci\u00f3n es acudir con un asesor experto de banco para que \u00e9ste pueda hacerte una evaluaci\u00f3n personalizada e indicarte si eres apto(a) para calificar a un cr\u00e9dito hipotecario y tambi\u00e9n indicarte al monto que podr\u00edas acceder.<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Por otro lado, tambi\u00e9n debes tener en cuenta que los bancos y cajas en general manejan sus propias reglas de calificaci\u00f3n, es por eso que es recomendable que puedas visitar la mayor cantidad de entidades posibles para que manejes diferentes opciones y de esta manera eval\u00faes cu\u00e1l es la que m\u00e1s se alinea a lo que est\u00e9s buscando.<\/h3>","protected":false},"excerpt":{"rendered":"<p>Est\u00e1s decidido a adquirir tu propio inmueble, pero a\u00fan no tienes claridad de cu\u00e1les son los requisitos clave para poder acceder a un financiamiento. Obt\u00e9n conocimiento para poder calificar a un cr\u00e9dito Hipotecario. Debes tener conocimiento que existen Tipos de Cr\u00e9dito Hipotecario: 1. Cr\u00e9dito hipotecario tradicional: Es el m\u00e1s conocido y el que m\u00e1s se [&hellip;]<\/p>","protected":false},"author":1,"featured_media":14156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[19],"tags":[],"class_list":["post-9721","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"_links":{"self":[{"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/posts\/9721","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/comments?post=9721"}],"version-history":[{"count":0,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/posts\/9721\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/media\/14156"}],"wp:attachment":[{"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/media?parent=9721"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/categories?post=9721"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ciudapolis.com\/en\/wp-json\/wp\/v2\/tags?post=9721"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}