{"id":4242,"date":"2025-09-12T17:27:36","date_gmt":"2025-09-12T22:27:36","guid":{"rendered":"https:\/\/acgestionsas.com\/?p=4242"},"modified":"2025-09-12T17:28:14","modified_gmt":"2025-09-12T22:28:14","slug":"como-funciona-credito-hipotecario","status":"publish","type":"post","link":"https:\/\/avantgardmedia.com\/acconstructora\/como-funciona-credito-hipotecario\/","title":{"rendered":"\u00bfQu\u00e9 es y c\u00f3mo funciona un cr\u00e9dito hipotecario en Colombia?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4242\" class=\"elementor elementor-4242\">\n\t\t\t\t<div class=\"elementor-element elementor-element-918388a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"918388a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-a2ce2d3 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"a2ce2d3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ce6347f elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"ce6347f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/acgestionsas.com\/wp-content\/uploads\/2023\/07\/Asset-29.svg\" title=\"\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cbe4833 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"cbe4833\" data-element_type=\"widget\" data-e-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<h1><b>\u00bfQu\u00e9 es y c\u00f3mo funciona un cr\u00e9dito hipotecario en Colombia?<\/b><\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fe3ecc elementor-widget elementor-widget-text-editor\" data-id=\"0fe3ecc\" data-element_type=\"widget\" data-e-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 style=\"font-weight: 400;\">Comprar vivienda es uno de los pasos m\u00e1s importantes que tomar\u00e1s en tu vida. Si ya est\u00e1s mirando <a href=\"https:\/\/acgestionsas.com\/proyectos\/\">proyectos de vivienda en Neiva,<\/a> seguramente te has preguntado: \u00bfc\u00f3mo voy a poder financiarlo?<\/span>La respuesta m\u00e1s com\u00fan es el <em><strong>cr\u00e9dito hipotecario.<\/strong><\/em><\/p><p><span style=\"font-weight: 400;\">En pocas palabras,un cr\u00e9dito hipotecario <strong>es un pr\u00e9stamo que una entidad financiera te otorga para comprar vivienda, ya sea nueva o usada.<\/strong> Normalmente, los bancos financian hasta el <strong>70% del valor del inmueble<\/strong> y t\u00fa debes aportar una cuota inicial <em>(m\u00ednimo 20-30%).<\/em><\/span><\/p><p><span style=\"font-weight: 400;\">A cambio, el inmueble <em>queda en garant\u00eda para la entidad<\/em> <strong><em>hasta que termines de pagar<\/em>,<\/strong> lo que significa que tienes todos los beneficios de vivir en \u00e9l, <span style=\"text-decoration: underline;\">pero formalmente est\u00e1 hipotecado.<\/span><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41813d6 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"41813d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1366\" height=\"768\" src=\"https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad.webp\" class=\"attachment-full size-full wp-image-4244\" alt=\"cr\u00e9dito hipotecario\" srcset=\"https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad.webp 1366w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-300x169.webp 300w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1024x576.webp 1024w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-768x432.webp 768w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-24x13.webp 24w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-36x20.webp 36w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-48x27.webp 48w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc863d0 elementor-widget elementor-widget-text-editor\" data-id=\"bc863d0\" data-element_type=\"widget\" data-e-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><b>\u00bfC\u00f3mo funciona un cr\u00e9dito hipotecario en Colombia?<\/b><\/p><ol><li data-start=\"267\" data-end=\"381\"><p data-start=\"270\" data-end=\"381\"><strong data-start=\"270\" data-end=\"284\">Solicitud:<\/strong> te acercas a la entidad financiera y comunicas tu inter\u00e9s en un pr\u00e9stamo hipotecario.<\/p><\/li><li data-start=\"382\" data-end=\"485\"><p data-start=\"385\" data-end=\"485\"><strong data-start=\"385\" data-end=\"408\">Estudio de cr\u00e9dito:<\/strong> despu\u00e9s, revisan tu perfil financiero, ingresos y tu historial crediticio.<\/p><\/li><li data-start=\"486\" data-end=\"590\"><p data-start=\"489\" data-end=\"590\"><strong data-start=\"489\" data-end=\"504\">Aprobaci\u00f3n:<\/strong> si cumples los requisitos, aprueban el cr\u00e9dito hipotecario y fijan las condiciones.<\/p><\/li><li data-start=\"591\" data-end=\"677\"><p data-start=\"594\" data-end=\"677\"><strong data-start=\"594\" data-end=\"609\">Desembolso:<\/strong> luego, la entidad gira el dinero al vendedor o a la constructora.<\/p><\/li><li data-start=\"678\" data-end=\"773\"><p data-start=\"681\" data-end=\"773\"><strong data-start=\"681\" data-end=\"698\">Pago mensual:<\/strong> finalmente, cancelas una cuota que incluye capital, intereses y seguros.<\/p><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b521bc6 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-parent\" data-id=\"b521bc6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f684d12 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no wpr-equal-height-no e-con e-child\" data-id=\"f684d12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3c4e62 elementor-widget elementor-widget-text-editor\" data-id=\"c3c4e62\" data-element_type=\"widget\" data-e-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><strong>Las tasas y los plazos de los cr\u00e9ditos hipotecarios pueden funcionar de dos formas:<\/strong><\/p><ul><li data-start=\"913\" data-end=\"991\"><p data-start=\"915\" data-end=\"991\"><strong data-start=\"915\" data-end=\"929\">Tasa fija:<\/strong> la cuota se mantiene igual durante todo el periodo de pago.<\/p><\/li><li data-start=\"992\" data-end=\"1091\"><p data-start=\"994\" data-end=\"1091\"><strong data-start=\"994\" data-end=\"1012\">Tasa variable:<\/strong> cambia seg\u00fan el mercado. En este caso, el plazo puede ir de <strong data-start=\"1073\" data-end=\"1088\">5 a 30 a\u00f1os<\/strong>.<\/p><\/li><\/ul><h4 style=\"color: #ffffff;\"><strong>Simular antes de decidir<\/strong><\/h4><p data-start=\"1128\" data-end=\"1397\">Antes de elegir un <a style=\"color: #ffffff;\" href=\"https:\/\/acgestionsas.com\/proyectos\/\">proyecto de vivienda con <strong data-start=\"1172\" data-end=\"1192\">A+C Constructora<\/strong><\/a>, te recomendamos usar nuestra <strong data-start=\"1223\" data-end=\"1250\">calculadora hipotecaria<\/strong>. Con ella podr\u00e1s realizar una simulaci\u00f3n realista de cu\u00e1nto pagar\u00edas mes a mes: solo ingresa el valor del inmueble, la cuota inicial y el plazo.<\/p><p data-start=\"1399\" data-end=\"1673\">De esta forma, conocer\u00e1s tu cuota estimada y tendr\u00e1s claridad para avanzar con seguridad. Recuerda que cada banco maneja sus propias tasas y condiciones, por lo que la calculadora genera un valor aproximado que sirve como referencia previa al acompa\u00f1amiento comercial.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cfba935 elementor-widget__width-inherit elementor-widget elementor-widget-image\" data-id=\"cfba935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1366\" height=\"768\" src=\"https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1.webp\" class=\"attachment-full size-full wp-image-4245\" alt=\"cr\u00e9dito hipotecario\" srcset=\"https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1.webp 1366w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-300x169.webp 300w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-1024x576.webp 1024w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-768x432.webp 768w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-24x13.webp 24w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-36x20.webp 36w, https:\/\/avantgardmedia.com\/acconstructora\/wp-content\/uploads\/2025\/09\/Haz-de-este-momento-tu-realidad-1-48x27.webp 48w\" sizes=\"(max-width: 1366px) 100vw, 1366px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6cc9c9b elementor-widget elementor-widget-text-editor\" data-id=\"6cc9c9b\" data-element_type=\"widget\" data-e-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 style=\"font-weight: 400;\">Tener claro cuanto debes pagar mes a mes en tu credito hipotecario te facilitara la toma de desiciones para evitar desistimientos, dolores de cabeza y <strong>tener una gran experiencia hacia la compra de tu proximo hogar.<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44813e2 elementor-align-center elementor-mobile-align-justify elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"44813e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/acgestionsas.com\/calculadora-inmobiliaria\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ir a la calculadora<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es y c\u00f3mo funciona un cr\u00e9dito hipotecario en Colombia? Comprar vivienda es uno de los pasos m\u00e1s importantes que tomar\u00e1s en tu vida. Si ya est\u00e1s mirando proyectos de vivienda en Neiva, seguramente te has preguntado: \u00bfc\u00f3mo voy a &hellip; <a class=\"kt-excerpt-readmore\" href=\"https:\/\/avantgardmedia.com\/acconstructora\/como-funciona-credito-hipotecario\/\" aria-label=\"\u00bfQu\u00e9 es y c\u00f3mo funciona un cr\u00e9dito hipotecario en Colombia?\">Read More<\/a><\/p>\n","protected":false},"author":2,"featured_media":4264,"comment_status":"closed","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"content-type":"","_joinchat":[],"footnotes":""},"categories":[20],"tags":[],"class_list":["post-4242","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ventajas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9dito hipotecario, \u00bfqu\u00e9 es y c\u00f3mo funciona?<\/title>\n<meta name=\"description\" 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