{"id":254,"date":"2021-12-03T23:37:12","date_gmt":"2021-12-03T23:37:12","guid":{"rendered":"https:\/\/clientes.seomarketing.cl\/legalprisma\/creditos-hipotecarios\/"},"modified":"2026-10-13T14:34:52","modified_gmt":"2026-10-13T14:34:52","slug":"creditos-hipotecarios","status":"publish","type":"post","link":"https:\/\/clientes.seomarketing.cl\/legalprisma\/creditos-hipotecarios\/","title":{"rendered":"\u00bfQu\u00e9 son los cr\u00e9ditos hipotecarios?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Durante los \u00faltimos meses se ha vivido una desaceleraci\u00f3n en la cartera de viviendas. Pese a eso, desde el mes de noviembre <strong>se aumentaron las restricciones para cr\u00e9ditos hipotecarios desde los $90 millones de pesos<\/strong>, pero <strong>\u00bfQu\u00e9 son los cr\u00e9ditos hipotecarios?<\/strong> y \u00bfPor qu\u00e9 son tan importantes?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seg\u00fan la <a href=\"https:\/\/www.cmfchile.cl\/portal\/principal\/613\/w3-channel.html\" target=\"_blank\" rel=\"noreferrer noopener\">Comisi\u00f3n para el Mercado financiero (CMF)<\/a> define a los cr\u00e9ditos hipotecarios como un pr\u00e9stamo bancario a mediano o largo plazo para la compra, ampliaci\u00f3n, reparaci\u00f3n o construcci\u00f3n de una vivienda, compra de sitios, oficinas o locales comerciales.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Este bien ra\u00edz queda en garant\u00eda del Banco, s\u00f3lo para asegurar el cumplimiento del cr\u00e9dito<\/strong>. Lo que com\u00fanmente se conoce como<strong> hipoteca<\/strong>. Esto quiere decir que, si no pagas el cr\u00e9dito, el banco actuar\u00e1 como acreedor pudiendo realizar una acci\u00f3n judicial de cobranza y podr\u00eda terminar rematando de la propiedad para obtener el pago del cr\u00e9dito.<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"Requisitos_para_solicitar_un_credito_hipotecario\"><strong>Requisitos para solicitar un cr\u00e9dito hipotecario<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Los requisitos para adquirir un cr\u00e9dito hipotecario, van a depender de la cantidad de a\u00f1os que se pagar\u00e1 el pr\u00e9stamo. <strong>En la mayor\u00eda cr\u00e9ditos a 15 a\u00f1os, los bancos exigen como m\u00ednimo un sueldo l\u00edquido de $2.900.000<\/strong>. <strong>Donde el dividendo puede llegar a los $730.000<\/strong>. Mientras que en el caso de los cr\u00e9ditos hipotecarios a 20 a\u00f1os, se necesitar\u00eda un sueldo m\u00ednimo de $2.400.000.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Otro requisito que solicitan los bancos, es una edad m\u00ednima de 18 a\u00f1os y ser chileno o extranjero con residencia definitiva. Adem\u00e1s, <strong>la persona solicitante no puede tener antecedentes de deudas comerciales. Para lo cual, debe acreditar no tener antecedentes en el registro DICOM<\/strong>. Por \u00faltimo, la antig\u00fcedad bancaria tambi\u00e9n ser\u00e1 relevante al momento de la solicitud. Por lo general se pide un a\u00f1o de antig\u00fcedad como m\u00ednimo e incluso algunos bancos piden m\u00e1s a\u00f1os.\u00a0<\/p>\n\n\n<h3 class=\"wp-block-heading\" id=\"Tipos_de_creditos_hipotecarios\">Tipos de cr\u00e9ditos hipotecarios.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En Chile, a trav\u00e9s de los distintos bancos e instituciones financieras podemos encontrar 3 tipos de cr\u00e9ditos hipotecarios. Estos tipos de cr\u00e9ditos hipotecarios dependen ciertas caracter\u00edsticas del propio deudor, la capacidad de pago y las condiciones financieras.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Cr\u00e9dito Hipotecario con Letras de Cr\u00e9dito<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Este es el tipo de cr\u00e9dito hipotecario m\u00e1s com\u00fan y solicitado por los chilenos. Este es financiado con un instrumento que emite el banco, conocido como <strong>\u201cletras hipotecarias\u201d<\/strong>. <strong>Estas letras pueden ser transadas en la Bolsa de Valores por el banco o ser adquiridas por \u00e9ste o un tercero a fin de obtener los recursos que financian el cr\u00e9dito<\/strong>. De acuerdo con las condiciones del mercado, el precio por la venta de estas letras puede variar.\u00a0<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Mutuo Hipotecario endosable<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Este es un pr\u00e9stamo en pesos o unidades de fomento. Este pr\u00e9stamo es financiado con los recursos propios que cuenta el banco. <strong>La persona correspondiente que pide el cr\u00e9dito hipotecario recibir\u00e1 el monto aprobado y no se generar\u00e1 diferencia alguna como en el caso del cr\u00e9dito con letras hipotecarias<\/strong>. A su vez, este cr\u00e9dito hipotecario puede ser transferido mediante endoso por parte del banco, quedando registrado en la respectiva escritura p\u00fablica. Este tipo de pr\u00e9stamo permite al titular del contrato de pago entregarlo a terceros para su financiamiento.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Mutuo Hipotecario no endosable<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>El cr\u00e9dito hipotecario es financiado con recursos propios del banco, pero en este caso, no podr\u00e1 ser transferido mediante endoso<\/strong>. La regulaci\u00f3n del mismo depender\u00e1 de lo que se haya pactado con el respectivo contrato, de la Ley General de Bancos y de la Ley 18.010 referida a las operaciones de cr\u00e9dito de dinero.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante los \u00faltimos meses se ha vivido una desaceleraci\u00f3n en la cartera de viviendas. Pese a eso, desde el mes de noviembre se aumentaron las restricciones para cr\u00e9ditos hipotecarios desde los $90 millones de pesos, pero \u00bfQu\u00e9 son los cr\u00e9ditos hipotecarios? y \u00bfPor qu\u00e9 son tan importantes?<\/p>\n","protected":false},"author":1,"featured_media":783,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center 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