{"id":3420,"date":"2024-01-11T16:07:28","date_gmt":"2024-01-11T16:07:28","guid":{"rendered":"https:\/\/kalbadvisors.com\/?page_id=3420"},"modified":"2024-09-09T23:15:21","modified_gmt":"2024-09-09T23:15:21","slug":"dscr","status":"publish","type":"page","link":"https:\/\/kalbadvisors.com\/es\/dscr\/","title":{"rendered":"Pr\u00e9stamos DSCR"},"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_1704989821251 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\">PR\u00c9STAMOS DSCR<\/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_1704989101417\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>Qu\u00e9 son los pr\u00e9stamos DSCR<\/h4>\n<p class=\"western\" lang=\"en-CA\" align=\"left\">Los pr\u00e9stamos DSCR (\u00edndice de cobertura del servicio de la deuda) son un tipo de pr\u00e9stamo de cartera. Se trata de un pr\u00e9stamo para una propiedad residencial productora de ingresos (inversi\u00f3n). Los pr\u00e9stamos DSCR se eval\u00faan y conceden en funci\u00f3n del flujo de caja previsto de la propiedad, y no del nivel de ingresos del prestatario.<\/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_1706717967895\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>TIPOS DE INMUEBLES<\/h4>\n<ul>\n<li>Propiedades residenciales: Unifamiliares<\/li>\n<li>Inmuebles de inversi\u00f3n de 2 a 4 unidades<\/li>\n<li>Condominios<\/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_1704989190584\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>DETALLES DEL PROGRAMA<\/h4>\n<ul>\n<li>\u00a0Pago inicial m\u00ednimo: 20%<\/li>\n<li>Cobertura del servicio de la deuda: No se dispone de ratio m\u00ednimo exigido<\/li>\n<li>L\u00edmite del importe del pr\u00e9stamo: $3.000.000<\/li>\n<li>Importe m\u00ednimo del pr\u00e9stamo: $100.000<\/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\" >\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_1704989221431\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>requisitos<\/h4>\n<ul>\n<li>Historial de cr\u00e9dito establecido en EE.UU.<\/li>\n<li>Debe tener un historial de propiedad de al menos una vivienda 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_1704989237578\" >\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 Green Card, titulares de Asilo Pol\u00edtico, TPS, DACAS, L1, E1, E2.<\/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_1706804819747\" >\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 DSCR signo de interrogaci\u00f3n \u00bfQu\u00e9 son los pr\u00e9stamos DSCR? Los pr\u00e9stamos DSCR (ratio de cobertura del servicio de la deuda) son un tipo de pr\u00e9stamo de cartera. Se trata de un pr\u00e9stamo para propiedades residenciales que generan ingresos (inversi\u00f3n). Los pr\u00e9stamos DSCR se eval\u00faan y conceden en funci\u00f3n del flujo de caja previsto de la propiedad, en lugar de en funci\u00f3n del nivel de ingresos del prestatario. home_work TIPOS DE","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-3420","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3420","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=3420"}],"version-history":[{"count":6,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3420\/revisions"}],"predecessor-version":[{"id":3964,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3420\/revisions\/3964"}],"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=3420"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}