{"id":3419,"date":"2024-01-11T16:11:12","date_gmt":"2024-01-11T16:11:12","guid":{"rendered":"https:\/\/kalbadvisors.com\/?page_id=3419"},"modified":"2024-09-09T23:13:08","modified_gmt":"2024-09-09T23:13:08","slug":"portfolio-loans","status":"publish","type":"page","link":"https:\/\/kalbadvisors.com\/es\/portfolio-loans\/","title":{"rendered":"Pr\u00e9stamos de cartera"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-stretch-content=\"true\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1704993772700 vc_row-has-fill full-width vc_row-no-padding vc_row-o-full-height vc_row-o-columns-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704904124894 white-text\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2 style=\"text-align: left; color: #fffff;\"><span style=\"color: #ffffff;\">NUESTROS PRODUCTOS <\/span><\/h2>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><section class=\"vc_section gray vc_custom_1704907991572 vc_section-has-fill\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_custom_1704909251458\"><div class=\"wpb_wrapper\"><h1 class=\"box-header align-center\">CARTERA DE PR\u00c9STAMOS<\/h1><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid drop-shadow vc_custom_1704920441562\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704910437807 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nquestion_mark\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988856378\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>Qu\u00e9 son los pr\u00e9stamos de cartera:<\/h4>\n<p class=\"western\" lang=\"en-CA\" align=\"left\">Un pr\u00e9stamo de cartera es una hipoteca emitida por un banco que mantiene el pr\u00e9stamo en su balance en lugar de venderlo. Al emitir un pr\u00e9stamo de cartera, un prestamista no tiene que seguir necesariamente los requisitos exactos de elegibilidad de los pr\u00e9stamos conformes como lo hace con los pr\u00e9stamos convencionales y otros productos tradicionales patrocinados por el gobierno. Por lo tanto, los prestamistas pueden ofrecer m\u00e1s opciones y flexibilidad a determinados prestatarios.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nhome_work\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1707261331773\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>TIPOS DE INMUEBLES<\/h4>\n<ul>\n<li>Propiedades residenciales:<br \/>\n- Residencia principal, segunda residencia o propiedades de inversi\u00f3n<br \/>\n- Vivienda unifamiliar, multifamiliar de hasta 8 unidades y condominio<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\ninfo\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1707261281822\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>DETALLES DEL PROGRAMA<\/h4>\n<p>Cumplir los requisitos mediante la comprobaci\u00f3n de ingresos no tradicionales, como extractos bancarios de la empresa o personales (extractos bancarios), ingresos por alquileres de mercado (DSCR) de la propiedad en cuesti\u00f3n y cuentas de ahorro con activos abundantes (agotamiento de activos).<\/p>\n<p>Se aceptan propiedades no tradicionales como condominios no garantizables, hoteles en condominio y multifamiliares de m\u00e1s de 4 unidades.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\n\nformat_list_bulleted\n\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988050538\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>requisitos<\/h4>\n<ul>\n<li>Historial de cr\u00e9dito establecido e ingresos empresariales verificables en EE.UU.<\/li>\n<li>Experiencia previa en la propiedad o gesti\u00f3n de bienes inmuebles en EE.UU.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nperson\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988067782\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfqui\u00e9n puede solicitarlo?<\/h4>\n<ul>\n<li>Clientes nacionales: Ciudadanos de EE.UU., titulares de la tarjeta verde<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\npercent\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988082741\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfQu\u00e9 tipos de inter\u00e9s se aplican?<\/h4>\n<ul>\n<li>Los tipos est\u00e1n sujetos a los cambios del mercado y dependen del perfil del prestatario y de los par\u00e1metros del pr\u00e9stamo, como el importe del pr\u00e9stamo, el programa de pr\u00e9stamo y el tipo de propiedad.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1704388746672 vc_row-has-fill full-width\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid align-center\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1706804718639\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h3 style=\"text-align: center;\">Para solicitarlo, p\u00f3ngase en contacto con un asesor hipotecario<\/h3>\n\n\t\t<\/div>\n\t<\/div>\n<a class=\"more botonwho align-center\" href=\"https:\/\/kalbadvisors.com\/es\/contact\/\" title=\"CONTACTO\">CONTACTO<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"NUESTROS PRODUCTOS PR\u00c9STAMOS DE CARTERA question_mark \u00bfQu\u00e9 son los pr\u00e9stamos de cartera?: Un pr\u00e9stamo de cartera es una hipoteca emitida por un banco que mantiene el pr\u00e9stamo en su balance en lugar de venderlo. Al emitir un pr\u00e9stamo de cartera, el prestamista no tiene por qu\u00e9 cumplir necesariamente los mismos requisitos de elegibilidad que se aplican a los pr\u00e9stamos convencionales.","protected":false},"author":1,"featured_media":1747,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"taxonomy-ql_services_category.php","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"class_list":["post-3419","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3419","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/comments?post=3419"}],"version-history":[{"count":8,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3419\/revisions"}],"predecessor-version":[{"id":3961,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3419\/revisions\/3961"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/media\/1747"}],"wp:attachment":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/media?parent=3419"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}