{"id":9754,"date":"2023-01-16T14:09:15","date_gmt":"2023-01-16T18:09:15","guid":{"rendered":"https:\/\/proconcreto.cl\/?p=9754"},"modified":"2023-01-16T14:17:10","modified_gmt":"2023-01-16T18:17:10","slug":"que-es-la-novacion-de-un-credito-hipotecario","status":"publish","type":"post","link":"https:\/\/proconcreto.cl\/index.php\/2023\/01\/16\/que-es-la-novacion-de-un-credito-hipotecario\/","title":{"rendered":"\u00bfQu\u00e9 es la novaci\u00f3n de un cr\u00e9dito hipotecario?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"9754\" class=\"elementor elementor-9754\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7d25228 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"7d25228\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-619b3423\" data-id=\"619b3423\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-78c5b142 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78c5b142\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-7a237b78\" data-id=\"7a237b78\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5f31b553 elementor-widget elementor-widget-text-editor\" data-id=\"5f31b553\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\u00bfQu\u00e9 es la novaci\u00f3n de un cr\u00e9dito hipotecario?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-31c5fbc5\" data-id=\"31c5fbc5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4caf0ea5 elementor-hidden-mobile elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"4caf0ea5\" data-element_type=\"widget\" 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aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-facebook\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256c0 123.78 90.69 226.38 209.25 245V327.69h-63V256h63v-54.64c0-62.15 37-96.48 93.67-96.48 27.14 0 55.52 4.84 55.52 4.84v61h-31.28c-30.8 0-40.41 19.12-40.41 38.73V256h68.78l-11 71.69h-57.78V501C413.31 482.38 504 379.78 504 256z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-twitter\" viewBox=\"0 0 512 512\" 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class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-linkedin\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 32H31.9C14.3 32 0 46.5 0 64.3v383.4C0 465.5 14.3 480 31.9 480H416c17.6 0 32-14.5 32-32.3V64.3c0-17.8-14.4-32.3-32-32.3zM135.4 416H69V202.2h66.5V416zm-33.2-243c-21.3 0-38.5-17.3-38.5-38.5S80.9 96 102.2 96c21.2 0 38.5 17.3 38.5 38.5 0 21.3-17.2 38.5-38.5 38.5zm282.1 243h-66.4V312c0-24.8-.5-56.7-34.5-56.7-34.6 0-39.9 27-39.9 54.9V416h-66.4V202.2h63.7v29.2h.9c8.9-16.8 30.6-34.5 62.9-34.5 67.2 0 79.7 44.3 79.7 101.9V416z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_telegram\" role=\"button\" tabindex=\"0\" aria-label=\"Share on telegram\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-telegram\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111 8 0 119 0 256s111 248 248 248 248-111 248-248S385 8 248 8zm121.8 169.9l-40.7 191.8c-3 13.6-11.1 16.9-22.4 10.5l-62-45.7-29.9 28.8c-3.3 3.3-6.1 6.1-12.5 6.1l4.4-63.1 114.9-103.8c5-4.4-1.1-6.9-7.7-2.5l-142 89.4-61.2-19.1c-13.3-4.2-13.6-13.3 2.8-19.7l239.1-92.2c11.1-4 20.8 2.7 17.2 19.5z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-whatsapp\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M380.9 97.1C339 55.1 283.2 32 223.9 32c-122.4 0-222 99.6-222 222 0 39.1 10.2 77.3 29.6 111L0 480l117.7-30.9c32.4 17.7 68.9 27 106.1 27h.1c122.3 0 224.1-99.6 224.1-222 0-59.3-25.2-115-67.1-157zm-157 341.6c-33.2 0-65.7-8.9-94-25.7l-6.7-4-69.8 18.3L72 359.2l-4.4-7c-18.5-29.4-28.2-63.3-28.2-98.2 0-101.7 82.8-184.5 184.6-184.5 49.3 0 95.6 19.2 130.4 54.1 34.8 34.9 56.2 81.2 56.1 130.5 0 101.8-84.9 184.6-186.6 184.6zm101.2-138.2c-5.5-2.8-32.8-16.2-37.9-18-5.1-1.9-8.8-2.8-12.5 2.8-3.7 5.6-14.3 18-17.6 21.8-3.2 3.7-6.5 4.2-12 1.4-32.6-16.3-54-29.1-75.5-66-5.7-9.8 5.7-9.1 16.3-30.3 1.8-3.7.9-6.9-.5-9.7-1.4-2.8-12.5-30.1-17.1-41.2-4.5-10.8-9.1-9.3-12.5-9.5-3.2-.2-6.9-.2-10.6-.2-3.7 0-9.7 1.4-14.8 6.9-5.1 5.6-19.4 19-19.4 46.3 0 27.3 19.9 53.7 22.6 57.4 2.8 3.7 39.1 59.7 94.8 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0-18 5.8-22.1 13.8l-61.2-13.6c-3-.8-6.1 1.4-6.9 4.4l-19.1 86.4c-33.2 1.4-63.1 11.3-85.5 26.8-6.1-6.4-14.7-10.2-24.1-10.2-34.9 0-46.3 46.9-14.4 62.8-1.1 5-1.7 10.2-1.7 15.5 0 52.6 59.2 95.2 132 95.2 73.1 0 132.3-42.6 132.3-95.2 0-5.3-.6-10.8-1.9-15.8 31.3-16 19.8-62.5-14.9-62.5zM302.8 331c-18.2 18.2-76.1 17.9-93.6 0-2.2-2.2-6.1-2.2-8.3 0-2.5 2.5-2.5 6.4 0 8.6 22.8 22.8 87.3 22.8 110.2 0 2.5-2.2 2.5-6.1 0-8.6-2.2-2.2-6.1-2.2-8.3 0zm7.7-75c-13.6 0-24.6 11.1-24.6 24.9 0 13.6 11.1 24.6 24.6 24.6 13.8 0 24.9-11.1 24.9-24.6 0-13.8-11-24.9-24.9-24.9z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_pinterest\" role=\"button\" tabindex=\"0\" aria-label=\"Share on pinterest\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-pinterest\" viewBox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M496 256c0 137-111 248-248 248-25.6 0-50.2-3.9-73.4-11.1 10.1-16.5 25.2-43.5 30.8-65 3-11.6 15.4-59 15.4-59 8.1 15.4 31.7 28.5 56.8 28.5 74.8 0 128.7-68.8 128.7-154.3 0-81.9-66.9-143.2-152.9-143.2-107 0-163.9 71.8-163.9 150.1 0 36.4 19.4 81.7 50.3 96.1 4.7 2.2 7.2 1.2 8.3-3.3.8-3.4 5-20.3 6.9-28.1.6-2.5.3-4.7-1.7-7.1-10.1-12.5-18.3-35.3-18.3-56.6 0-54.7 41.4-107.6 112-107.6 60.9 0 103.6 41.5 103.6 100.9 0 67.1-33.9 113.6-78 113.6-24.3 0-42.6-20.1-36.7-44.8 7-29.5 20.5-61.3 20.5-82.6 0-19-10.2-34.9-31.4-34.9-24.9 0-44.9 25.7-44.9 60.2 0 22 7.4 36.8 7.4 36.8s-24.5 103.8-29 123.2c-5 21.4-3 51.6-.9 71.2C65.4 450.9 0 361.1 0 256 0 119 111 8 248 8s248 111 248 248z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fas-envelope\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M502.3 190.8c3.9-3.1 9.7-.2 9.7 4.7V400c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V195.6c0-5 5.7-7.8 9.7-4.7 22.4 17.4 52.1 39.5 154.1 113.6 21.1 15.4 56.7 47.8 92.2 47.6 35.7.3 72-32.8 92.3-47.6 102-74.1 131.6-96.3 154-113.7zM256 320c23.2.4 56.6-29.2 73.4-41.4 132.7-96.3 142.8-104.7 173.4-128.7 5.8-4.5 9.2-11.5 9.2-18.9v-19c0-26.5-21.5-48-48-48H48C21.5 64 0 85.5 0 112v19c0 7.4 3.4 14.3 9.2 18.9 30.6 23.9 40.7 32.4 173.4 128.7 16.8 12.2 50.2 41.8 73.4 41.4z\"><\/path><\/svg>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-44dc10d1 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"44dc10d1\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-36de60f8\" data-id=\"36de60f8\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b816a4c elementor-widget elementor-widget-heading\" data-id=\"6b816a4c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Publicado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-622bc118 elementor-align-right elementor-mobile-align-left elementor-widget elementor-widget-post-info\" data-id=\"622bc118\" data-element_type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-fe196bd elementor-inline-item\" itemprop=\"datePublished\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-date\">\n\t\t\t\t\t\t\t\t\t\t<time>16.01.23<\/time>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-695713c4\" data-id=\"695713c4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b55f9fd elementor-widget elementor-widget-text-editor\" data-id=\"2b55f9fd\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span class=\"autor-fecha\">Autor: Mateo Navas<\/span><\/p>\n<p><span class=\"autor-fecha\">Fuente: Diario Financiero<br><\/span><\/p>\n<div class=\"CUERPO\">\n<p>Son pocas las personas que saben los detalles de la novaci\u00f3n y a\u00fan son menos los que han usado este mecanismo. En pocas palabras, definen los expertos, <strong>se trata de un desconocido sistema donde una persona \u201ccompra\u201d la deuda de un cr\u00e9dito hipotecario.<\/strong><\/p>\n<p>\u201cLa novaci\u00f3n es el traspaso de la deuda del <a href=\"https:\/\/dfmas.df.cl\/df-mas\/como-cuido-mis-lucas\/conviene-adquirir-una-propiedad-en-medio-de-la-incertidumbre-inmobiliaria\"><strong>cr\u00e9dito hipotecario<\/strong><\/a> hacia un deudor diferente. \u00bfPor qu\u00e9 se utiliza? Porque, por ejemplo, <strong>si yo contrat\u00e9 un cr\u00e9dito hipotecario hace tres a\u00f1os con tasas m\u00e1s bajas, podr\u00eda vender la propiedad y hacer una novaci\u00f3n de dicho producto para que el comprador no tome un cr\u00e9dito con tasas m\u00e1s altas<\/strong>\u201d, dice Patricio Gana, director de AK Contadores.<\/p>\n<p>Con este mecanismo, indica Carolina Uribe-Echevarr\u00eda, gerente comercial para alto patrimonio de Chile Sotheby\u2019s International Realty, el comprador \u201cpuede lograr tasas muy favorables con relaci\u00f3n a las actuales. Es una excelente oportunidad para futuros compradores. <strong>Recomendamos preguntar a los actuales propietarios a qu\u00e9 tasa, con qu\u00e9 banco y en qu\u00e9 per\u00edodo tomaron su cr\u00e9dito\u201d<\/strong>.<\/p>\n<p>\u00bfPero conviene o no? \u00bfEn qu\u00e9 debemos fijarnos? Esto dicen los expertos.<\/p>\n<h4><a name=\"vtxt_cuerpo_T0\"><\/a><span class=\"subtit-sinlink\">Ojo con las tasas, plazos y pi\u00e9<\/span><\/h4>\n<p>En palabras de \u00c1lvaro Acosta, director de finanzas corporativas de OpenBBK, la novaci\u00f3n \u201ces cuando una instituci\u00f3n financiera traspasa un cr\u00e9dito hipotecario de un deudor a otro\u201d. <strong>El experto puntualiza que el banco debe evaluar al nuevo deudor sobre el cual se har\u00e1 la novaci\u00f3n de un cr\u00e9dito vigente.<\/strong> \u201cSi el resultado es positivo, se puede traspasar la deuda\u201d, complementa.<\/p>\n<p>Adem\u00e1s, con este mecanismo, establece Sergio Fajardo, socio director de Smart Choice, <strong>se traspasan todas las condiciones, como \u201ctasas, plazos y pie\u201d.<\/strong> Es por eso que es fundamental evaluar estos tres aspectos antes de tomar una decisi\u00f3n.<\/p>\n<h4><a name=\"vtxt_cuerpo_T1\"><\/a><span class=\"subtit-sinlink\">\u00bfConviene?<\/span><\/h4>\n<p>En un escenario de alza de tasas, esta modalidad puede ser efectiva. Sin embargo, hay que considerar una serie de factores.<\/p>\n<p>\u201cEl modificar la titularidad del cr\u00e9dito hipotecario puede ser una ventaja para el nuevo deudor, siempre y cuando las condiciones de dicho cr\u00e9dito sean mejores que las actuales del mercado. Esto tambi\u00e9n ser\u00eda una ventaja para el vendedor, al ofrecer mejores opciones de financiamiento a posibles compradores\u201d, explica Felipe Garc\u00eda, director Latinoam\u00e9rica Sur de Tinsa.<\/p>\n<p>Por otra parte, agrega, \u201cun deudor hipotecario tambi\u00e9n podr\u00eda tener la opci\u00f3n de vender su vivienda actual para comprar una nueva, manteniendo las condiciones del cr\u00e9dito original al novar la garant\u00eda (hipoteca) en favor de la nueva propiedad. Para esta opci\u00f3n es importante tener en consideraci\u00f3n que se debe contar con la aprobaci\u00f3n comercial y de riesgo de las instituciones financieras respectivas\u201d.<\/p>\n<p>Algo similar se\u00f1ala Felipe D\u00edaz, cofundador de La Casa de Juana, quien dice que existe un beneficio para el comprador y vendedor. \u00bfDe qu\u00e9 se trata? \u201cEl primero se ahorra el impuesto al mutuo (0,8% del valor del cr\u00e9dito) que es por lejos el gasto operacional m\u00e1s costoso, y para el segundo existe un ahorro en la eventual multa de prepago que establece el banco, que generalmente fluct\u00faa en montos cercanos a 1 o 2 dividendos\u201d.<\/p>\n<p>Ignacio Ruiz, gerente comercial Inmobiliaria Vitalia, dice que <strong>la novaci\u00f3n conviene siempre y cuando \u201cel nuevo acreedor tenga mejores condiciones que el deudor actual,<\/strong> como tasas de intereses m\u00e1s convenientes y ahorro de gastos operacionales\u201d.<\/p>\n<h4><a name=\"vtxt_cuerpo_T2\"><\/a><span class=\"subtit-sinlink\">\u00bfEn qu\u00e9 fijarnos?<\/span><\/h4>\n<p>Acosta opina que, antes de concretar una novaci\u00f3n, es fundamental fijarse en los tres elementos del cr\u00e9dito: <strong>\u201cEn primer lugar, la tasa que tiene; en cuantos a\u00f1os se pact\u00f3 el pago y, en consecuencia, el plazo que queda por terminar y en qu\u00e9 porcentaje de financiamiento sobre el valor de la propiedad se firm\u00f3 el hipotecario\u201d<\/strong>.<\/p>\n<p>Y agrega: \u201cTeniendo claros estos tres elementos y comparando las condiciones actuales que el comprador podr\u00eda conseguir, podemos decidir si es una buena idea proponerle una novaci\u00f3n de la deuda vigente al banco\u201d.<\/p>\n<p>Tambi\u00e9n existe una cuarta condici\u00f3n, que tiene relaci\u00f3n con la cl\u00e1usula del prepago del cr\u00e9dito. \u201cEn algunas oportunidades podemos encontrar financiamiento que no otorgan la posibilidad de prepago hasta cierta cantidad de a\u00f1os de vigencia del cr\u00e9dito y adem\u00e1s castigan con costos de prepago muy altos la acci\u00f3n de prepago\u201d, complementa el experto.<\/p>\n<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-12138aae elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"12138aae\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-771c2183\" data-id=\"771c2183\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5ca3ee29 elementor-widget elementor-widget-post-navigation\" data-id=\"5ca3ee29\" data-element_type=\"widget\" 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tag-mundo-inmobiliario\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/proconcreto.cl\/index.php\/2025\/05\/25\/errores-comunes-al-arrendar-una-propiedad-en-chile-y-como-evitarlos\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"987\" height=\"768\" src=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Person-reviewing-rental-contract-with-a-pen-and-calculator-rental-keys-and-document-770558-Mediana.jpg\" class=\"attachment-full size-full wp-image-15932\" alt=\"\" srcset=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Person-reviewing-rental-contract-with-a-pen-and-calculator-rental-keys-and-document-770558-Mediana.jpg 987w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Person-reviewing-rental-contract-with-a-pen-and-calculator-rental-keys-and-document-770558-Mediana-300x233.jpg 300w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Person-reviewing-rental-contract-with-a-pen-and-calculator-rental-keys-and-document-770558-Mediana-768x598.jpg 768w\" sizes=\"(max-width: 987px) 100vw, 987px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/proconcreto.cl\/index.php\/2025\/05\/25\/errores-comunes-al-arrendar-una-propiedad-en-chile-y-como-evitarlos\/\" >\n\t\t\t\tErrores comunes al arrendar una propiedad en Chile y c\u00f3mo evitarlos\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/proconcreto.cl\/index.php\/2025\/05\/25\/errores-comunes-al-arrendar-una-propiedad-en-chile-y-como-evitarlos\/\" aria-label=\"Read more about Errores comunes al arrendar una propiedad en Chile y c\u00f3mo evitarlos\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div 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src=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Young-couple-considering-buying-a-new-apartment-reviewing-documents-or-floor-pla-9499251-Mediana.jpg\" class=\"attachment-full size-full wp-image-15930\" alt=\"\" srcset=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Young-couple-considering-buying-a-new-apartment-reviewing-documents-or-floor-pla-9499251-Mediana.jpg 987w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Young-couple-considering-buying-a-new-apartment-reviewing-documents-or-floor-pla-9499251-Mediana-300x233.jpg 300w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/05\/Firefly_-Young-couple-considering-buying-a-new-apartment-reviewing-documents-or-floor-pla-9499251-Mediana-768x598.jpg 768w\" sizes=\"(max-width: 987px) 100vw, 987px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/proconcreto.cl\/index.php\/2025\/05\/25\/conviene-comprar-una-propiedad-en-2025-o-esperar\/\" >\n\t\t\t\t\u00bfConviene comprar una propiedad en 2025 o esperar?\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/proconcreto.cl\/index.php\/2025\/05\/25\/conviene-comprar-una-propiedad-en-2025-o-esperar\/\" aria-label=\"Read more about \u00bfConviene comprar una propiedad en 2025 o esperar?\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t25\/05\/2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-15895 post type-post status-publish format-standard has-post-thumbnail hentry category-informacion-general category-tips-inmobiliarios tag-conceptos-inmobiliarios tag-terminos-inmobiliarios tag-tips-inmobiliarios\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/proconcreto.cl\/index.php\/2025\/03\/14\/diccionario-inmobiliario-10-terminos-que-debes-conocer-antes-de-comprar-o-vender\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"1792\" height=\"1024\" src=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/03\/Designer.jpeg\" class=\"attachment-full size-full wp-image-15897\" alt=\"\" srcset=\"https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/03\/Designer.jpeg 1792w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/03\/Designer-300x171.jpeg 300w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/03\/Designer-768x439.jpeg 768w, https:\/\/proconcreto.cl\/wp-content\/uploads\/2025\/03\/Designer-1536x878.jpeg 1536w\" sizes=\"(max-width: 1792px) 100vw, 1792px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/proconcreto.cl\/index.php\/2025\/03\/14\/diccionario-inmobiliario-10-terminos-que-debes-conocer-antes-de-comprar-o-vender\/\" >\n\t\t\t\tDiccionario inmobiliario: 10 t\u00e9rminos que debes conocer antes de comprar o vender\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/proconcreto.cl\/index.php\/2025\/03\/14\/diccionario-inmobiliario-10-terminos-que-debes-conocer-antes-de-comprar-o-vender\/\" aria-label=\"Read more about Diccionario inmobiliario: 10 t\u00e9rminos que debes conocer antes de comprar o vender\" tabindex=\"-1\" >\n\t\t\tLeer M\u00e1s \u00bb\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t14\/03\/2025\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Se trata de un mecanismo que es desconocido pero que ha sumado interesados: el traspaso de la deuda de un cr\u00e9dito hipotecario hacia un deudor diferente. Los expertos afirman que este sistema puede ser especialmente atractivo en momentos con tasas altas.<\/p>\n","protected":false},"author":1,"featured_media":9755,"comment_status":"open","ping_status":"","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[26],"tags":[30,40,52,33,28,93,36,77],"class_list":["post-9754","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-corredora-de-propiedades","tag-inmobiliaria","tag-inversion","tag-mercado-inmobiliario","tag-mundo-inmobiliario","tag-novacion-de-credito","tag-proyecto-inmobiliario","tag-tasa-de-interes"],"acf":[],"_links":{"self":[{"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/posts\/9754","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/comments?post=9754"}],"version-history":[{"count":7,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/posts\/9754\/revisions"}],"predecessor-version":[{"id":9764,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/posts\/9754\/revisions\/9764"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/media\/9755"}],"wp:attachment":[{"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/media?parent=9754"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/categories?post=9754"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/proconcreto.cl\/index.php\/wp-json\/wp\/v2\/tags?post=9754"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}