{"id":1258,"date":"2026-05-07T02:39:02","date_gmt":"2026-05-07T02:39:02","guid":{"rendered":"https:\/\/inspeccion360.co\/?p=1258"},"modified":"2026-09-03T02:16:17","modified_gmt":"2026-09-03T02:16:17","slug":"subsidio-vivienda-caja-compensacion","status":"publish","type":"post","link":"https:\/\/inspeccion360.co\/en\/blog\/subsidio-vivienda-caja-compensacion\/","title":{"rendered":"Subsidio de vivienda de la caja de compensaci\u00f3n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1258\" class=\"elementor elementor-1258\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-410b13e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"410b13e8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b3424da\" data-id=\"3b3424da\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b3ce227 elementor-widget elementor-widget-table-of-contents\" data-id=\"5b3ce227\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;headings_by_tags&quot;:[&quot;h4&quot;],&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTabla de Contenidos\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__5b3ce227\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ab0d72c elementor-widget elementor-widget-spacer\" data-id=\"6ab0d72c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6192bb elementor-widget elementor-widget-image\" data-id=\"6192bb\" 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=\"945\" height=\"631\" src=\"https:\/\/inspeccion360.co\/wp-content\/uploads\/2026\/07\/Subsidio-de-Vivienda-de-la-Caja-de-Compensacion-IMG-3-1.jpg\" class=\"attachment-large size-large wp-image-1293\" alt=\"\" srcset=\"https:\/\/inspeccion360.co\/wp-content\/uploads\/2026\/07\/Subsidio-de-Vivienda-de-la-Caja-de-Compensacion-IMG-3-1.jpg 945w, https:\/\/inspeccion360.co\/wp-content\/uploads\/2026\/07\/Subsidio-de-Vivienda-de-la-Caja-de-Compensacion-IMG-3-1-300x200.jpg 300w, https:\/\/inspeccion360.co\/wp-content\/uploads\/2026\/07\/Subsidio-de-Vivienda-de-la-Caja-de-Compensacion-IMG-3-1-768x513.jpg 768w\" sizes=\"(max-width: 945px) 100vw, 945px\" \/>\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-1d3f10ab elementor-widget elementor-widget-text-editor\" data-id=\"1d3f10ab\" 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>El subsidio de vivienda que otorgan las cajas de compensaci\u00f3n es la ayuda econ\u00f3mica m\u00e1s importante a la hora de comprar <span style=\"color: #0095df;\"><a style=\"color: #0095df;\" href=\"https:\/\/miprimeracasa.co\/estudio-de-mercado-inmobiliario\/tipos-vivienda-nueva\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">vivienda de inter\u00e9s social (VIS o VIP)<\/span><\/a><\/span>. Inspecci\u00f3n 360 te va a explicar, actualizado a 2026, de qu\u00e9 trata este subsidio y c\u00f3mo aplicar.<\/p><h4>\u00bfQU\u00c9 ES UNA CAJA DE COMPENSACI\u00d3N?<\/h4><p>Antes de entrar en materia sobre el subsidio de vivienda, debes saber que las cajas de compensaci\u00f3n en Colombia son entidades privadas que brindan beneficios sociales y econ\u00f3micos a los trabajadores afiliados y sus familias. Una caja de compensaci\u00f3n est\u00e1 financiada con los aportes de los empleadores.<\/p><p>Entre los m\u00faltiples beneficios que tienen las cajas de compensaci\u00f3n, se encuentra el subsidio de vivienda; este es un apoyo econ\u00f3mico que busca facilitar la adquisici\u00f3n de casa nueva para quienes tengan ingresos moderados a bajos.<\/p><h4>\u00bfQU\u00c9 CAJAS DE COMPENSACI\u00d3N EN COLOMBIA OTORGAN SUBSIDIO DE VIVIENDA?<\/h4><p>En Colombia, existen varias cajas de compensaci\u00f3n que otorgan subsidios de vivienda, ac\u00e1 te dejamos un listado de las cajas m\u00e1s conocidas y su respectivo link:<\/p><p>\u2705 COMPENSAR: <span style=\"text-decoration: underline;\"><a href=\"https:\/\/corporativo.compensar.com\/subsidio\/subsidio-de-vivienda\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/corporativo.compensar.com\/subsidio\/subsidio-de-vivienda<\/span><\/a><\/span><\/p><p>\u2705 COLSUBSIDIO: <span style=\"text-decoration: underline;\"><a href=\"https:\/\/www.colsubsidio.com\/apoyo-financiero\/subsidio\/vivienda\" target=\"_blank\" rel=\"noopener\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/www.colsubsidio.com\/apoyo-financiero\/subsidio\/vivienda<\/span><\/a><\/span><\/p><p>\u2705 CAFAM: <a href=\"https:\/\/www.cafam.com.co\/hogar\/subsidios-de-vivienda\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/www.cafam.com.co\/hogar\/subsidios-de-vivienda<\/span><\/span><\/a><\/p><p>\u2705 COMFAMA: <a href=\"https:\/\/www.comfama.com\/subsidio\/subsidio-de-vivienda\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/www.comfama.com\/subsidio\/subsidio-de-vivienda\/<\/span><\/span><\/a><\/p><p>\u2705 COMFENALCO: <a href=\"https:\/\/www.comfenalcoantioquia.com.co\/personas\/servicios\/subsidios\/vivienda\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/www.comfenalcoantioquia.com.co\/personas\/servicios\/subsidios\/vivienda<\/span><\/span><\/a><\/p><p>\u2705 CAJACOPI: <a href=\"https:\/\/www.cajacopi.com\/subsidios\/vivienda\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">https:\/\/www.cajacopi.com\/subsidios\/vivienda<\/span><\/span><\/a><\/p><p>\u2705 COMFACUNDI: <span style=\"text-decoration: underline; color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/comfacundi.com.co\/personas\/subsidio-de-vivienda\/\" target=\"_blank\" rel=\"noopener\">https:\/\/comfacundi.com.co\/personas\/subsidio-de-vivienda\/<\/a><\/span><br \/><strong><br \/><\/strong><\/p><p>A la hora de postularse para pedir subsidio de vivienda, cada caja de compensaci\u00f3n tiene sus propios procesos y requisitos espec\u00edficos; eso s\u00ed, los requisitos b\u00e1sicos y los rangos de subsidio son muy similares en todas.<\/p><h4>\u00bfCU\u00c1L ES EL VALOR DEL SUBSIDIO DE VIVIENDA OTORGADO POR LAS CAJAS DE COMPENSACI\u00d3N PARA 2026?<\/h4><p>Para 2026, el valor del subsidio de vivienda depende de los ingresos del solicitante, y est\u00e1 estructurado de la siguiente manera:<\/p><table><tbody><tr><td width=\"196\"><p><strong>INGRESO FAMILIAR<\/strong><\/p><\/td><td width=\"196\"><p><strong>N\u00daMERO DE SMLV PARA SUBSIDIO DE VIVIENDA<\/strong><\/p><\/td><td width=\"196\"><p><strong>VALOR EN COP PARA SUBSIDIO DE VIVIENDA<\/strong><\/p><\/td><\/tr><tr><td width=\"196\"><p>Menos de 2 Salarios M\u00ednimos Legales Vigentes (SMLV)<\/p><\/td><td width=\"196\"><p>30 SMLV<\/p><\/td><td width=\"196\"><p>\u00a0$52.527.150<\/p><\/td><\/tr><tr><td width=\"196\"><p>Entre 2 y 4 SMLV<\/p><\/td><td width=\"196\"><p>20 SMLV<\/p><\/td><td width=\"196\"><p>\u00a0$35.018.100<\/p><\/td><\/tr><\/tbody><\/table><p><strong>Nota:<\/strong> El Salario M\u00ednimo Legal Vigente (SMLV) en 2026 es de: $1.750.905 COP.<\/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-3839fee0 elementor-widget elementor-widget-spacer\" data-id=\"3839fee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53f57b9d elementor-widget elementor-widget-html\" data-id=\"53f57b9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\n<html 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class=\"itv-cta\" href=\"https:\/\/inspeccion360.co\/\" title=\"Solicitar asesor\u00eda para inspecci\u00f3n t\u00e9cnica de inmueble en Colombia\">\n           M\u00c1S INFORMACI\u00d3N \u2192\n        <\/a>\n    <\/section>\n<\/body>\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d459fbe elementor-widget elementor-widget-spacer\" data-id=\"6d459fbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b695f8a elementor-widget elementor-widget-text-editor\" data-id=\"1b695f8a\" 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<h4>REQUISITOS SUBSIDIO DE VIVIENDA CAJA DE COMPENSACI\u00d3N<\/h4>\n<p>Aunque cada caja de compensaci\u00f3n tiene sus propios requisitos, estos son los generales:<\/p>\n<p><strong>\u2705 Estar afiliado a una caja de compensaci\u00f3n<\/strong>: Debes estar afiliado a la caja y tener al d\u00eda los aportes.<\/p>\n<p><strong>\u2705 No ser propietario de vivienda<\/strong>: No debes tener ning\u00fan tipo de propiedad registrada a tu nombre.<\/p>\n<p><strong>\u2705 No haber sido beneficiario de un subsidio de vivienda anteriormente<\/strong>: Esto incluye subsidios otorgados por el gobierno, entidades locales o por la misma caja de compensaci\u00f3n. En este punto, es muy importante aclarar una actualizaci\u00f3n clave para 2026: el programa nacional &#8220;Mi Casa Ya&#8221; no cuenta con presupuesto para nuevas asignaciones durante esta vigencia, por lo que actualmente no se puede sumar como un subsidio concurrente para nuevos postulantes. La concurrencia con Mi Casa Ya solo aplica para los hogares que ya ten\u00edan un subsidio preasignado antes de la suspensi\u00f3n. En 2026, el cierre financiero de tu vivienda debe apoyarse principalmente en el subsidio de tu caja de compensaci\u00f3n, el cr\u00e9dito hipotecario (o leasing habitacional) y tus propios ahorros, y \u2014seg\u00fan la ciudad donde vivas\u2014 en programas distritales o municipales complementarios.<\/p>\n<p><strong>\u2705 Tener un hogar con ingresos iguales o inferiores a 4 SMLV<\/strong>: Los ingresos totales tuyos o en general de tu hogar en general, no deben superar el l\u00edmite de los 4 SMLV.<\/p>\n<p><strong>\u2705 Contar con un cr\u00e9dito hipotecario aprobado o pre aprobado<\/strong>: Este requisito asegura que puedas cubrir la parte faltante del pago total del inmueble que vas a comprar.<\/p>\n<h4>\u00bfEN QU\u00c9 MOMENTO DEBO SOLICITAR EL SUBSIDIO DE VIVIENDA DE CAJA DE COMPENSACI\u00d3N?<\/h4>\n<p>Debes postularte para el subsidio de vivienda en el momento que hayas hecho la <a href=\"https:\/\/miprimeracasa.co\/separacion-del-inmueble\/pagar-la-separacion-del-inmueble\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline; color: #0095df;\">separaci\u00f3n del apartamento<\/span><\/a> y tambi\u00e9n, que ya cuentes con un cr\u00e9dito hipotecario preaprobado.<\/p>\n<h4>\u00bfA QUI\u00c9N LE ENTREGA EL SUBSIDIO DE VIVIENDA Y EN QU\u00c9 MOMENTO?<\/h4>\n<p>La caja de compensaci\u00f3n le entrega el subsidio de vivienda a la constructora una vez se haya aprobado el desembolso y t\u00fa hayas firmado la <a href=\"https:\/\/miprimeracasa.co\/separacion-del-inmueble\/promesa-de-compraventa-inmobiliaria\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">escritura de compraventa<\/span><\/span><\/a>. Esto se hace con el fin de garantizar que el subsidio sea utilizado exclusivamente para la cuota inicial del 30% del valor del inmueble.<\/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-4efb5e46 elementor-widget elementor-widget-text-editor\" data-id=\"4efb5e46\" 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<h4>MARCO LEGAL DEL SUBSIDIO FAMILIAR DE VIVIENDA<\/h4><p>El subsidio de vivienda que otorgan las cajas de compensaci\u00f3n se conoce t\u00e9cnicamente como <strong>Subsidio Familiar de Vivienda (SFV)<\/strong> y se canaliza a trav\u00e9s del Fondo Obligatorio para Vivienda de Inter\u00e9s Social (FOVIS) de cada caja. Su origen legal est\u00e1 en la <strong>Ley 3 de 1991<\/strong>, que cre\u00f3 el Sistema Nacional de Vivienda de Inter\u00e9s Social, y se reglamenta en detalle en el Decreto 1077 de 2015 (Decreto \u00danico Reglamentario del Sector Vivienda). Este subsidio se financia con los aportes parafiscales que hacen los empleadores a las cajas de compensaci\u00f3n, por eso solo pueden acceder a \u00e9l los hogares donde al menos uno de sus integrantes est\u00e9 afiliado como trabajador, independiente o pensionado aportante.<\/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-775e579b elementor-widget elementor-widget-text-editor\" data-id=\"775e579b\" 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<h4>SUBSIDIOS DISTRITALES O MUNICIPALES QUE PUEDES SUMAR AL DE TU CAJA<\/h4><p>Adem\u00e1s del subsidio de tu caja de compensaci\u00f3n, muchas alcald\u00edas han fortalecido sus propios programas de vivienda para 2026, especialmente tras la suspensi\u00f3n de nuevas asignaciones de Mi Casa Ya. Por ejemplo, en Bogot\u00e1 el programa <strong>&#8220;Tu Casa en Bogot\u00e1&#8221;<\/strong> ofrece apoyos adicionales para la cuota inicial o para completar el cierre financiero antes de escriturar. Te recomendamos consultar directamente en la p\u00e1gina de tu alcald\u00eda o gobernaci\u00f3n si existe un programa similar en tu ciudad, ya que estos beneficios pueden sumarse al subsidio de tu caja de compensaci\u00f3n y ayudarte a cerrar la brecha que deja la suspensi\u00f3n de Mi Casa Ya.<\/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-410ffed4 elementor-widget elementor-widget-text-editor\" data-id=\"410ffed4\" 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<h4>PREGUNTAS FRECUENTES (FAQ)<\/h4>\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-43442c6 elementor-widget elementor-widget-elementskit-accordion\" data-id=\"43442c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"elementskit-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\n        <div class=\"elementskit-accordion accoedion-primary\" id=\"accordion-6ae466a1129eb\">\n\n            \n                <div class=\"elementskit-card active\">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-0-43442c6\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-bb5729b6ae466a1129eb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-bb5729b6ae466a1129eb\" aria-expanded=\"true\" aria-controls=\"Collapse-bb5729b6ae466a1129eb\">\n                            \n                            <span class=\"ekit-accordion-title\">\u00bfPuedo recibir el subsidio si no estoy afiliado a ninguna caja de compensaci\u00f3n?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-bb5729b6ae466a1129eb\" class=\" show collapse\" role=\"region\" aria-labelledby=\"primaryHeading-0-43442c6\" data-parent=\"#accordion-6ae466a1129eb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. El subsidio de vivienda de caja de compensaci\u00f3n solo lo pueden solicitar los hogares donde al menos un integrante est\u00e9 afiliado y al d\u00eda con sus aportes.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-1-43442c6\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-7ba59846ae466a1129eb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-7ba59846ae466a1129eb\" aria-expanded=\"false\" aria-controls=\"Collapse-7ba59846ae466a1129eb\">\n                            \n                            <span class=\"ekit-accordion-title\">\u00bfEl subsidio se puede combinar con Mi Casa Ya en 2026?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-7ba59846ae466a1129eb\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-1-43442c6\" data-parent=\"#accordion-6ae466a1129eb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>En general no, porque Mi Casa Ya no tiene presupuesto para nuevas asignaciones en 2026. Solo los hogares que ya ten\u00edan un subsidio preasignado antes de la suspensi\u00f3n pueden mantener esa concurrencia.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-2-43442c6\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-124721a6ae466a1129eb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-124721a6ae466a1129eb\" aria-expanded=\"false\" aria-controls=\"Collapse-124721a6ae466a1129eb\">\n                            \n                            <span class=\"ekit-accordion-title\">\u00bfEl subsidio aplica para vivienda usada o solo para vivienda nueva?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-124721a6ae466a1129eb\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-2-43442c6\" data-parent=\"#accordion-6ae466a1129eb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>Depende de cada caja de compensaci\u00f3n; algunas ofrecen l\u00edneas espec\u00edficas para vivienda usada, mejoramiento o construcci\u00f3n en sitio propio, adem\u00e1s de la vivienda nueva VIS o VIP.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-3-43442c6\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-6bddce36ae466a1129eb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-6bddce36ae466a1129eb\" aria-expanded=\"false\" aria-controls=\"Collapse-6bddce36ae466a1129eb\">\n                            \n                            <span class=\"ekit-accordion-title\">\u00bfQu\u00e9 pasa si mis ingresos superan los 4 SMLV?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-6bddce36ae466a1129eb\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-3-43442c6\" data-parent=\"#accordion-6ae466a1129eb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No podr\u00edas acceder al subsidio de caja de compensaci\u00f3n para vivienda, ya que ese es el tope de ingresos establecido a nivel nacional para este beneficio.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                \n                <div class=\"elementskit-card \">\n                    <div class=\"elementskit-card-header\" id=\"primaryHeading-4-43442c6\" role=\"heading\" aria-level=\"3\">\n                        <a href=\"#collapse-23918386ae466a1129eb\" class=\"ekit-accordion--toggler elementskit-btn-link collapsed\" role=\"button\" data-ekit-toggle=\"collapse\" data-target=\"#Collapse-23918386ae466a1129eb\" aria-expanded=\"false\" aria-controls=\"Collapse-23918386ae466a1129eb\">\n                            \n                            <span class=\"ekit-accordion-title\">\u00bfEl subsidio se entrega en efectivo a m\u00ed como comprador?<\/span>\n\n                            \n                                <div class=\"ekit_accordion_icon_group\">\n                                    <div class=\"ekit_accordion_normal_icon\">\n                                        <!-- Normal Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-down-arrow1\"><\/i>                                    <\/div>\n\n                                    <div class=\"ekit_accordion_active_icon\">\n                                        <!-- Active Icon -->\n\t\t\t\t\t\t\t\t\t\t<i class=\"icon icon-up-arrow\"><\/i>                                    <\/div>\n                                <\/div>\n\n                            \n                                                    <\/a>\n                    <\/div>\n\n                    <div id=\"Collapse-23918386ae466a1129eb\" class=\" collapse\" role=\"region\" aria-labelledby=\"primaryHeading-4-43442c6\" data-parent=\"#accordion-6ae466a1129eb\">\n\n                        <div class=\"elementskit-card-body ekit-accordion--content\">\n                            <p>No. La caja de compensaci\u00f3n desembolsa el subsidio directamente a la constructora o vendedor una vez se firma la escritura, y se aplica como parte de la cuota inicial de tu vivienda.<\/p>                        <\/div>\n\n                    <\/div>\n\n                <\/div><!-- .elementskit-card END -->\n\n                                        <\/div>\n    <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-418cb44a elementor-widget elementor-widget-spacer\" data-id=\"418cb44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e9360d6 elementor-widget elementor-widget-text-editor\" data-id=\"7e9360d6\" 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>El <strong>subsidio de vivienda de caja de compensaci\u00f3n<\/strong> sigue siendo, en 2026, una de las ayudas m\u00e1s importantes para acceder a vivienda VIS o VIP en Colombia, especialmente ante la suspensi\u00f3n de nuevas asignaciones de Mi Casa Ya. Verifica tu caja de compensaci\u00f3n, confirma que cumples los requisitos de ingresos y afiliaci\u00f3n, y explora si tu ciudad ofrece programas distritales o municipales complementarios.<\/p><p>Los montos y condiciones de este art\u00edculo corresponden a la informaci\u00f3n disponible para 2026 y pueden ajustarse; te recomendamos confirmar siempre las cifras vigentes directamente en el sitio web de tu caja de compensaci\u00f3n antes de tomar una decisi\u00f3n.<\/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-19a9cb9d elementor-widget elementor-widget-spacer\" data-id=\"19a9cb9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72692ad9 elementor-widget elementor-widget-html\" data-id=\"72692ad9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!DOCTYPE html>\r\n<html lang=\"es\">\r\n<head>\r\n    <meta charset=\"UTF-8\">\r\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\r\n    <title>Banner Inspecci\u00f3n T\u00e9cnica de Inmuebles<\/title>\r\n    <style>\r\n        .banner-inspeccion {\r\n            background-color: #242424 !important;\r\n            color: #fff !important;\r\n            border-radius: 0.75rem !important;\r\n            display: flex !important;\r\n            justify-content: space-between !important;\r\n            align-items: center !important;\r\n            padding: 1.5rem 2rem !important;\r\n            max-width: 900px !important;\r\n            margin: 20px auto !important;\r\n            gap: 1.5rem !important;\r\n            box-shadow: 0 4px 12px rgba(0,0,0,0.15) !important;\r\n            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif !important;\r\n            position: relative !important;\r\n            overflow: hidden !important;\r\n        }\r\n        \r\n        .banner-inspeccion * {\r\n            box-sizing: border-box !important;\r\n        }\r\n        \r\n        \/* Efecto decorativo de fondo *\/\r\n        .banner-inspeccion::before {\r\n            content: '\ud83c\udfe0' !important;\r\n            position: absolute !important;\r\n            top: 50% !important;\r\n            right: 20px !important;\r\n            font-size: 80px !important;\r\n            opacity: 0.08 !important;\r\n            transform: translateY(-50%) rotate(-10deg) !important;\r\n            z-index: 0 !important;\r\n        }\r\n        \r\n        .banner-content-inspeccion {\r\n            flex: 1 !important;\r\n            position: relative !important;\r\n            z-index: 1 !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-title-inspeccion {\r\n            font-size: 1.3rem !important;\r\n            font-weight: bold !important;\r\n            color: #FD6200 !important;\r\n            margin: 0 0 0.5rem 0 !important;\r\n            line-height: 1.3 !important;\r\n            text-transform: uppercase !important;\r\n            letter-spacing: -0.5px !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-text-inspeccion {\r\n            font-size: 0.95rem !important;\r\n            line-height: 1.4 !important;\r\n            color: #ddd !important;\r\n            margin: 0 0 0.8rem 0 !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-text-inspeccion strong {\r\n            color: #fff !important;\r\n        }\r\n        \r\n        .banner-inspeccion .savings-highlight-inspeccion {\r\n            font-size: 0.9rem !important;\r\n            color: #4ade80 !important;\r\n            font-weight: 600 !important;\r\n            margin: 0 !important;\r\n            display: flex !important;\r\n            align-items: center !important;\r\n            gap: 8px !important;\r\n        }\r\n        \r\n        .banner-inspeccion .savings-highlight-inspeccion::before {\r\n            content: '\ud83d\udcb0' !important;\r\n            font-size: 16px !important;\r\n            animation: bounce 2s infinite !important;\r\n        }\r\n        \r\n        @keyframes bounce {\r\n            0%, 20%, 50%, 80%, 100% { \r\n                transform: translateY(0) !important; \r\n            }\r\n            40% { \r\n                transform: translateY(-4px) !important; \r\n            }\r\n            60% { \r\n                transform: translateY(-2px) !important; \r\n            }\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion {\r\n            background: linear-gradient(135deg, #FD6200 0%, #f7931e 100%) !important;\r\n            color: #fff !important;\r\n            text-decoration: none !important;\r\n            padding: 0.7rem 1.2rem !important;\r\n            border-radius: 0.5rem !important;\r\n            font-weight: bold !important;\r\n            white-space: nowrap !important;\r\n            transition: all 0.3s ease !important;\r\n            font-size: 0.95rem !important;\r\n            text-transform: uppercase !important;\r\n            border: none !important;\r\n            position: relative !important;\r\n            z-index: 1 !important;\r\n            overflow: hidden !important;\r\n            letter-spacing: 0.5px !important;\r\n            box-shadow: 0 4px 12px rgba(253, 98, 0, 0.3) !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion::before {\r\n            content: '' !important;\r\n            position: absolute !important;\r\n            top: 0 !important;\r\n            left: -100% !important;\r\n            width: 100% !important;\r\n            height: 100% !important;\r\n            background: linear-gradient(90deg, transparent, rgba(255, 255, 255, 0.2), transparent) !important;\r\n            transition: left 0.6s !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion:hover::before {\r\n            left: 100% !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion:hover {\r\n            background: linear-gradient(135deg, #e45600 0%, #f7931e 100%) !important;\r\n            transform: translateY(-2px) scale(1.02) !important;\r\n            box-shadow: 0 8px 20px rgba(253, 98, 0, 0.4) !important;\r\n            color: #fff !important;\r\n            text-decoration: none !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion:visited {\r\n            color: #fff !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion:focus {\r\n            color: #fff !important;\r\n            outline: 2px solid #FD6200 !important;\r\n            outline-offset: 2px !important;\r\n        }\r\n        \r\n        .banner-inspeccion .banner-cta-inspeccion:active {\r\n            transform: translateY(0) scale(1) !important;\r\n        }\r\n        \r\n        @media (max-width: 700px) {\r\n            .banner-inspeccion {\r\n                flex-direction: column !important;\r\n                align-items: flex-start !important;\r\n                text-align: center !important;\r\n                padding: 1.5rem !important;\r\n            }\r\n            \r\n            .banner-inspeccion .banner-cta-inspeccion {\r\n                align-self: center !important;\r\n                margin-top: 1rem !important;\r\n                width: 100% !important;\r\n                text-align: center !important;\r\n            }\r\n            \r\n            .banner-inspeccion .banner-title-inspeccion {\r\n                font-size: 1.2rem !important;\r\n            }\r\n            \r\n            .banner-inspeccion::before {\r\n                font-size: 60px !important;\r\n                right: 15px !important;\r\n            }\r\n        }\r\n        \r\n        @media (max-width: 480px) {\r\n            .banner-inspeccion {\r\n                padding: 1.2rem 1.5rem !important;\r\n                margin: 15px !important;\r\n            }\r\n            \r\n            .banner-inspeccion .banner-title-inspeccion {\r\n                font-size: 1.1rem !important;\r\n            }\r\n            \r\n            .banner-inspeccion .banner-text-inspeccion {\r\n                font-size: 0.9rem !important;\r\n            }\r\n            \r\n            .banner-inspeccion .savings-highlight-inspeccion {\r\n                font-size: 0.85rem !important;\r\n            }\r\n        }\r\n    <\/style>\r\n<\/head>\r\n<body>\r\n    <section class=\"banner-inspeccion\" aria-label=\"Inspecci\u00f3n t\u00e9cnica de inmuebles\">\r\n        <div class=\"banner-content-inspeccion\">\r\n            <h3 class=\"banner-title-inspeccion\">Inspecci\u00f3n t\u00e9cnica de inmueble<\/h3>\r\n            <p class=\"banner-text-inspeccion\">\r\n                Antes de recibir tu casa o apartamento, \u00a1aseg\u00farate de que todo est\u00e9 en perfecto estado! \r\n                Un experto detectar\u00e1 fallas ocultas. <strong>Agenda tu inspecci\u00f3n hoy.<\/strong>\r\n            <\/p>\r\n            <p class=\"savings-highlight-inspeccion\">\u00a1Podr\u00edas ahorrar millones!<\/p>\r\n        <\/div>\r\n        <a class=\"banner-cta-inspeccion\" href=\"https:\/\/inspeccion360.co\/\" target=\"_blank\" title=\"Solicitar cotizaci\u00f3n para inspecci\u00f3n t\u00e9cnica de inmueble\">\r\n           M\u00e1s Informaci\u00f3n \u2192\r\n        <\/a>\r\n    <\/section>\r\n<\/body>\r\n<\/html>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>El subsidio de vivienda que otorgan las cajas de compensaci\u00f3n es la ayuda econ\u00f3mica m\u00e1s importante a la hora de comprar vivienda de inter\u00e9s social (VIS o VIP). Mi Primera Casta te explicar\u00e1 de que trata este subsidio y como aplicar.<\/p>","protected":false},"author":2,"featured_media":1261,"comment_status":"open","ping_status":"open","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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1258","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estudio-de-mercado-inmobilario"],"_links":{"self":[{"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/posts\/1258","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/comments?post=1258"}],"version-history":[{"count":23,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/posts\/1258\/revisions"}],"predecessor-version":[{"id":1783,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/posts\/1258\/revisions\/1783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/media\/1261"}],"wp:attachment":[{"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/media?parent=1258"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/categories?post=1258"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/inspeccion360.co\/en\/wp-json\/wp\/v2\/tags?post=1258"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}