{"id":3449,"date":"2024-01-11T17:13:52","date_gmt":"2024-01-11T17:13:52","guid":{"rendered":"https:\/\/kalbadvisors.com\/?page_id=3449"},"modified":"2024-09-11T18:08:38","modified_gmt":"2024-09-11T18:08:38","slug":"foreign-nationals-2","status":"publish","type":"page","link":"https:\/\/kalbadvisors.com\/es\/foreign-nationals-2\/","title":{"rendered":"Extranjero"},"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_1704994607439 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 A EXTRANJEROS<\/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_1726078017760\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfQu\u00e9 es un Programa de Pr\u00e9stamos para Extranjeros (FNLP)?<\/h4>\n<p>El Programa de Pr\u00e9stamos para Ciudadanos Extranjeros (FNLP) est\u00e1 dise\u00f1ado para proporcionar financiaci\u00f3n a ciudadanos no estadounidenses que deseen adquirir una propiedad en Estados Unidos. Este programa se dirige a compradores internacionales interesados en poseer bienes inmuebles en Estados Unidos para diversos fines, como casas de vacaciones, inversiones u otros usos personales.<\/p>\n<p>Dado que los extranjeros carecen a menudo de la misma documentaci\u00f3n o historial crediticio que los ciudadanos estadounidenses, estos programas de pr\u00e9stamo se adaptan a sus necesidades espec\u00edficas. Aunque se requiere un certificado de ingresos del pa\u00eds de residencia, los solicitantes no necesitan tener un historial crediticio establecido en Estados Unidos para poder optar a ellos.<\/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_1726078094107\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>TIPOS DE INMUEBLES<\/h4>\n<p>Ofrecemos programas de pr\u00e9stamos residenciales, comerciales, de inversi\u00f3n y de refinanciaci\u00f3n de propiedades.<\/p>\n<ol>\n<li>Casa de vacaciones<\/li>\n<li>Inversi\u00f3n inmobiliaria<\/li>\n<li>Propiedad comercial<\/li>\n<li>Apartamentos\/Hoteles\/Centros comerciales<\/li>\n<li>Multifamiliares (de 1 a 100 unidades)<\/li>\n<li>Almacenes<\/li>\n<li>Refinanciaci\u00f3n de propiedades, incluida la salida de efectivo<\/li>\n<\/ol>\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_1726078099724\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>DETALLES DEL PROGRAMA<\/h4>\n<ul>\n<li>Pago inicial m\u00ednimo de 25%<\/li>\n<li>Ratio m\u00e1ximo de deuda sobre ingresos: 50%<\/li>\n<li>Plazo fijo de hasta 40 a\u00f1os<\/li>\n<li>Tipos fijos a 3, 5 y 7 a\u00f1os, amortizables hasta 40 a\u00f1os<\/li>\n<li>Suele exigirse una reserva de efectivo para 12 meses; se permiten los regalos de familiares.<\/li>\n<li>Desde $100.000 hasta $25.000.000<\/li>\n<li>Precalificaci\u00f3n gratuita<\/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_1726078105124\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>requisitos<\/h4>\n<ul>\n<li>Para prestatarios aut\u00f3nomos: Carta de referencia de ingresos y gastos elaborada por un contable titulado.<\/li>\n<li>Para empleados: Carta de verificaci\u00f3n de ingresos<\/li>\n<li>Cartas de referencia bancaria o de cr\u00e9dito<\/li>\n<li>Copia del pasaporte y del visado v\u00e1lidos y en vigor<\/li>\n<li>Justificante de domicilio (se acepta cualquier factura de servicios p\u00fablicos, como electricidad, gas, agua y tel\u00e9fono).<\/li>\n<li>Extracto bancario de 2 meses de una cuenta en el pa\u00eds de residencia. Puede ser una cuenta personal o de empresa en la que los prestatarios tengan una participaci\u00f3n m\u00ednima de 25%.<\/li>\n<li>Historial de extractos bancarios de dos meses que muestre fondos suficientes para el cierre y reservas. Debe estar en una cuenta bancaria aceptable en EE.UU. antes del cierre.<\/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_1726078111363\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfqui\u00e9n puede solicitarlo?<\/h4>\n<ul>\n<li>Personas con visado de turista B1 - B2 de 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\" >\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_1726078116771\" >\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_1704920350213\" >\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 A CIUDADANOS EXTRANJEROS question_mark \u00bfQu\u00e9 es un Programa de Pr\u00e9stamos a Ciudadanos Extranjeros (FNLP)? Un Programa de Pr\u00e9stamos para Ciudadanos Extranjeros (FNLP) est\u00e1 dise\u00f1ado para proporcionar financiaci\u00f3n a ciudadanos no estadounidenses que deseen adquirir una propiedad en Estados Unidos. Este programa est\u00e1 dirigido a compradores internacionales interesados en poseer bienes inmuebles en los Estados Unidos para diversos fines, tales como","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-3449","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3449","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=3449"}],"version-history":[{"count":12,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3449\/revisions"}],"predecessor-version":[{"id":4032,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3449\/revisions\/4032"}],"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=3449"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}