{"id":5992,"date":"2022-11-11T23:00:00","date_gmt":"2022-11-11T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=5992"},"modified":"2022-11-10T19:55:44","modified_gmt":"2022-11-10T19:55:44","slug":"pedir-credito-habitacao","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/es\/pedir-credito-habitacao\/","title":{"rendered":"\u00a1Prep\u00e1rate financieramente para solicitar cr\u00e9dito de vivienda! Mira 7 consejos que te ayudar\u00e1n"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-prepare-se-financeiramente-para-pedir-credito-habitacao-e-aumente-suas-chances-de-fazer-um-bom-negocio\">Prep\u00e1rate financieramente para solicitar cr\u00e9dito de vivienda y aumenta tus posibilidades de conseguir un buen trato<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg\" alt=\"casa ao fundo em meio ao verde da mata \" class=\"w-full object-cover object-center border mx-auto wp-image-5996\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Ent\u00e9rate de todo sobre el tema aqu\u00ed. Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Comprar una propiedad es algo serio y requiere reflexi\u00f3n y preparaci\u00f3n! Por lo tanto, es fundamental que te prepares financieramente para solicitar un cr\u00e9dito de vivienda antes de solicitarlo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGxkYC\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/es\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfQu\u00e9 es un pr\u00e9stamo para vivienda? Descubra hoy c\u00f3mo funciona, tipos y condiciones.\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\" alt=\"chave na porta de uma casa que foi adquirida com uso de cr\u00e9dito habita\u00e7\u00e3o\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/es\/o-que-e-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfQu\u00e9 es un pr\u00e9stamo para vivienda? Descubra hoy c\u00f3mo funciona, tipos y condiciones.\">\n            \u00bfQu\u00e9 es un pr\u00e9stamo para vivienda? Descubra hoy c\u00f3mo funciona, tipos y condiciones.        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00bfEst\u00e1 pensando en construir, reformar o comprar una propiedad? As\u00ed que averig\u00fce qu\u00e9 es un pr\u00e9stamo para vivienda, cu\u00e1les son sus tipos, prop\u00f3sitos y qu\u00e9 debe hacer para obtener uno. \u00a1Lea nuestro art\u00edculo completo a continuaci\u00f3n!\n\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/es\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Contin&#250;e Leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/es\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/o-que-e-um-credito-habitacao-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                \u00bfQu\u00e9 es un pr\u00e9stamo para vivienda? Descubra hoy c\u00f3mo funciona...              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/es\/o-que-e-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Contin&#250;e Leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este punto, hay varios pasos que deber\u00edan llamar su atenci\u00f3n. Tambi\u00e9n cuidados y detalles que no pueden escapar a la vista. De hecho, todo esto es fundamental para que puedas hacer buenos negocios. Entonces, \u00a1sigue los siguientes consejos!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Consejos para preparar y solicitar cr\u00e9dito para vivienda<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para garantizar la contrataci\u00f3n de un buen negocio y la capacidad financiera para pagar las cuotas de un pr\u00e9stamo de vivienda, es importante informarse mucho sobre el tema, como lo est\u00e1 haciendo leyendo este texto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, contin\u00fae y vea consejos importantes sobre c\u00f3mo prepararse para solicitar un cr\u00e9dito para vivienda. \u00a1As\u00ed que gana buenas ofertas y finalmente adquiere la propiedad que so\u00f1aste!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-1-valor-de-entrada\">1 \u2013 Valor de entrada<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si deseas comprar una propiedad es importante tener esto en cuenta desde el principio. Despu\u00e9s de todo, necesitar\u00e1 tener ahorros disponibles para presentarlos como pago inicial.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Despu\u00e9s de todo, aunque existen pr\u00e9stamos hipotecarios que ofrecen una financiaci\u00f3n de 100% del valor de la propiedad, esta no es la mejor opci\u00f3n. Esto se debe a que el valor de las cuotas ser\u00e1 mayor, al igual que los intereses aplicables. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, porque esto restringe mucho las opciones que tendr\u00e1s para contratar. Por eso, es importante organizarse para tener disponible la entrada. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Lo m\u00e1s com\u00fan (y recomendado) es que tengas al menos 20% del valor de la propiedad. Para hacer esto, ahora puedes:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Incrementar el control presupuestario;<\/li><li>Buscar fuentes de ingresos extra;<\/li><li>Recortar gastos innecesarios;<\/li><li>Realizar inversiones cuyos ingresos futuros se utilizar\u00e1n para presentar la entrada.<\/li><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-2-garanta-que-seu-nome-esta-limpo\">2 \u2013 Aseg\u00farate de que tu nombre est\u00e9 limpio<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuando con los pasos para solicitar cr\u00e9dito de vivienda, es fundamental que tu nombre est\u00e9 limpio. Es decir, que no est\u00e1 inscrito en la lista negra del Banco de Portugal, documento que se actualiza mensualmente.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Enumera a quienes se retrasan en el pago de sus deudas y \u201censucian\u201d el nombre del consumidor, a quien se le impide obtener nuevos contratos de cr\u00e9dito. As\u00ed que aseg\u00farese de que su nombre est\u00e9 limpio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para ello, puede realizar una b\u00fasqueda r\u00e1pida en l\u00ednea en el sitio web del Banco de Portugal. De hecho, si hay alguna deuda registrada, intente negociarla lo m\u00e1s r\u00e1pido posible.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u00f3lo cuando su nombre est\u00e9 claro (despu\u00e9s del pago de las deudas pendientes) podr\u00e1 solicitar el pr\u00e9stamo. Entonces, \u00a1prep\u00e1rese para solicitar un cr\u00e9dito para vivienda!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z2oSa6a\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-4-1200.png\" alt=\"logotipo Fonte: Banco de Portugal YouTube\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!\">\n            Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Saber si est\u00e1s en la lista negra del Banco de Portugal es fundamental para cualquiera que tenga contratos con servicios financieros. \u00a1Aprende hoy c\u00f3mo comprobar si est\u00e1s en la lista y c\u00f3mo salir de ella!\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Contin&#250;e Leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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Por tanto, separe la siguiente documentaci\u00f3n:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Documento de identificaci\u00f3n (o permiso de residencia);<\/li><li>Comprobante de ingresos de los \u00faltimos 3 a 6 meses (para trabajadores formales o por cuenta propia, respectivamente);<\/li><li>Declaraci\u00f3n del empleador (para trabajadores formales);<\/li><li>Extractos bancarios de los \u00faltimos 3 a 6 meses (para trabajadores formales o por cuenta propia, respectivamente);<\/li><li>Declaraci\u00f3n del IRS con comprobante de pago;<\/li><li>Mapa de responsabilidades del Banco de Portugal.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Este \u00faltimo documento, as\u00ed como la lista negra, est\u00e1 disponible en el sitio web del Banco de Portugal. Es importante porque proporciona un resumen de la vida financiera de los consumidores.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-4-estude-sobre-financas-e-emprestimos-para-conhecer-os-termos-e-entender-as-propostas-e-contratos\">4 \u2013 Estudiar finanzas y pr\u00e9stamos para conocer los t\u00e9rminos y comprender las propuestas y contratos.<\/h3>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg\" alt=\"varanda com uma mesa e cadeiras \" class=\"w-full object-cover object-center border mx-auto wp-image-5995\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1-768x512.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/pedir-credito-habitacao-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Estudie mucho para poder solicitar cr\u00e9dito para vivienda. Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Continuando con los preparativos imprescindibles para solicitar un cr\u00e9dito habitacional, debes saber que es un buen momento para estudiar finanzas y conocer m\u00e1s sobre el mundo financiero y los cr\u00e9ditos. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por ejemplo, es importante conocer los tipos de tarifas, c\u00f3mo se aplican y otros detalles. Despu\u00e9s de todo, son parte de un compromiso financiero que usted asumir\u00e1. Por lo tanto, saber qu\u00e9 afectar\u00e1 sus finanzas se vuelve esencial.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, intenta seguir las noticias sobre el mercado financiero y estudiar las publicaciones financieras disponibles online, \u00bfvale? \u00a1Me gusta las publicaciones del Sr. Card!<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-5-conheca-os-prazos-de-quitacao-de-acordo-com-as-faixas-etarias\">5 \u2013 Conoce los plazos de pago seg\u00fan grupos de edad<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uno de los factores importantes para solicitar un cr\u00e9dito de vivienda se refiere a los plazos de pago. El Banco de Portugal establece plazos m\u00e1ximos seg\u00fan el grupo de edad del consumidor. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Hasta los 30 a\u00f1os: 40 a\u00f1os para liquidar;<\/li><li>31 a 35 a\u00f1os: Hasta 37 a\u00f1os de edad para pago;<\/li><li>36 a\u00f1os o m\u00e1s: 35 a\u00f1os de alta.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y, aunque todos los bancos siguen esta normativa, ojo que se trata de plazos m\u00e1ximos. Por tanto, corresponden al l\u00edmite m\u00e1ximo, pero el banco puede ofrecer menos tiempo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-6-saiba-quais-sao-as-instituicoes-com-as-melhores-condicoes\">6 \u2013 Descubre qu\u00e9 instituciones tienen las mejores condiciones<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Prepararse para solicitar un cr\u00e9dito para vivienda tambi\u00e9n requiere saber d\u00f3nde puede solicitarlo. Es decir, qu\u00e9 bancos pueden ayudarte.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para ello, intente obtener m\u00e1s informaci\u00f3n sobre las instituciones bancarias. Vea qu\u00e9 reglas practica cada uno y las condiciones promedio de los pr\u00e9stamos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asimismo, conocer cu\u00e1l es la imagen de la instituci\u00f3n en el mercado y los consumidores. Adem\u00e1s, haz simulaciones de cr\u00e9dito. Con esto podr\u00e1s comprar las condiciones de cada uno y saber qui\u00e9n tiene las reglas m\u00e1s beneficiosas.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3 id=\"h-7-seja-intimo-do-seu-orcamento\">7 \u2013 Sea \u00edntimo con su presupuesto<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Antes de solicitar un cr\u00e9dito para vivienda, es fundamental que conozcas tu presupuesto. Al fin y al cabo, asumir\u00e1s una deuda que te acompa\u00f1ar\u00e1 durante a\u00f1os y a\u00f1os.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, debes estar seguro de que podr\u00e1s pagar las cuotas. De lo contrario, podr\u00eda terminar con un mal nombre, adem\u00e1s de perder su propiedad.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, anota todos tus gastos. Considere tanto el corto como el largo plazo. Adem\u00e1s, anota los gastos fijos y variables.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asimismo, considera cu\u00e1les son tus ingresos y tus expectativas de que aumenten o disminuyan. Asimismo, no dejes de analizar escenarios en los que te quedes sin ingresos salariales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Todo esto te ayuda a mantenerte organizado. Adem\u00e1s, busque soluciones, como esperar para solicitar un cr\u00e9dito, realizar ahorros de emergencia o buscar ingresos adicionales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, estas consideraciones son relevantes ya que ayudan a la hora de elegir los tipos de inter\u00e9s crediticio (mixtos, variables o fijos).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, \u00bfquieres saber m\u00e1s sobre el cr\u00e9dito para vivienda? \u00a1Entonces acceda al art\u00edculo a continuaci\u00f3n! En \u00e9l te explicamos cu\u00e1les son los tipos, las caracter\u00edsticas de cada uno y c\u00f3mo funcionan las tarifas. \u00a1Verificar!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z12yY1H\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcartao.com\/es\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? \u00a1Descubre c\u00f3mo funcionan!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\" alt=\"pessoa com uma chave nas m\u00e3os\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcartao.com\/es\/tipos-de-taxa-de-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? \u00a1Descubre c\u00f3mo funcionan!\">\n            \u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? \u00a1Descubre c\u00f3mo funcionan!        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Existen b\u00e1sicamente 3 tipos de tasas de pr\u00e9stamos hipotecarios, con diferentes caracter\u00edsticas y beneficios para el consumidor. Por eso, conocerlos es fundamental antes de cerrar un trato. Descubra qu\u00e9 son y c\u00f3mo funcionan.\n\n        <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcartao.com\/es\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Contin&#250;e Leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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