{"id":1326,"date":"2026-05-27T01:31:00","date_gmt":"2026-05-27T01:31:00","guid":{"rendered":"https:\/\/inspeccion360.co\/?p=1326"},"modified":"2026-07-16T01:40:26","modified_gmt":"2026-07-16T01:40:26","slug":"financiar-cuota-inicial-apartamento","status":"publish","type":"post","link":"https:\/\/inspeccion360.co\/en\/blog\/financiar-cuota-inicial-apartamento\/","title":{"rendered":"\u00bfC\u00f3mo financiar la cuota inicial de un apartamento?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1326\" class=\"elementor elementor-1326\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1f2f5be9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1f2f5be9\" 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-20a5e532\" data-id=\"20a5e532\" 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-2eed4fe6 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"2eed4fe6\" 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;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&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\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__2eed4fe6\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__2eed4fe6\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__2eed4fe6\" 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-d3d5767 elementor-widget elementor-widget-spacer\" data-id=\"d3d5767\" 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-3eb4821a elementor-widget elementor-widget-text-editor\" data-id=\"3eb4821a\" 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>Si vas a comprar un inmueble y piensas buscar un banco, es muy probable que una de tus principales dudas sea c\u00f3mo financiar la cuota inicial de un apartamento. Esta es una de las etapas m\u00e1s importantes en el proceso de compra, ya que representa el primer gran paso para asegurar tu nuevo hogar.<\/p><h4>\u00bfQU\u00c9 ES LA CUOTA INICIAL DE UN APARTAMENTO?<\/h4><p>La cuota inicial es el porcentaje del valor total del apartamento que debes pagar directamente a la constructora antes de recibir el inmueble. En Colombia, este monto suele ser el 30% del precio del apartamento, mientras que <span style=\"text-decoration: underline;\"><span style=\"color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/miprimeracasa.co\/solicitar-credito-hipotecario\/\" target=\"_blank\" rel=\"noopener\">el 70% restante se financia mediante un cr\u00e9dito hipotecario<\/a><\/span><\/span> que comienzas a pagar tras la entrega. Financiar la cuota inicial de un apartamento es un paso clave para asegurar tu compra y demostrar tu compromiso con el proyecto.<\/p><h4>\u00bfCU\u00c1NDO SE PAGA LA CUOTA INICIAL?<\/h4><p>Antes de llegar a esta etapa, normalmente habr\u00e1s pagado una cuota de separaci\u00f3n, y luego firmado la <span style=\"text-decoration: underline;\"><span style=\"color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/miprimeracasa.co\/separacion-del-inmueble\/promesa-de-compraventa-inmobiliaria\/\" target=\"_blank\" rel=\"noopener\">promesa de compraventa<\/a><\/span><\/span>. Una vez cumplidos estos pasos, es momento de entrar a financiar la cuota inicial del apartamento y formalizar la compra.<\/p><p>Supongamos que el apartamento cuesta $200,000,000 COP, la cuota inicial ser\u00eda $60,000,000 COP. Este monto puede pagarse en cuotas, lo que hace que el proceso sea m\u00e1s manejable para los compradores.<\/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-42ae64a elementor-widget elementor-widget-html\" data-id=\"42ae64a\" 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 lang=\"es\">\n<head>\n    <meta charset=\"UTF-8\">\n    <title>Banner para promocionar el simulador de abono inteligente a capital<\/title>\n    <style>\n        .banner-credito {\n            background-color: #242424 !important;\n            color: #fff !important;\n            border-radius: 0.75rem !important;\n            display: flex !important;\n            justify-content: space-between !important;\n            align-items: center !important;\n            padding: 1.5rem 2rem !important;\n            max-width: 900px !important;\n            margin: 20px auto !important;\n            gap: 1.5rem !important;\n            box-shadow: 0 4px 12px rgba(0,0,0,0.15) !important;\n            font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif !important;\n        }\n        \n        .banner-credito * {\n            box-sizing: border-box !important;\n        }\n        \n        .banner-content {\n            flex: 1 !important;\n        }\n        \n        .banner-credito .banner-title {\n            font-size: 1.3rem !important;\n            font-weight: bold !important;\n            color: #FD6200 !important;\n            margin: 0 0 0.5rem 0 !important;\n            line-height: 1.3 !important;\n        }\n        \n        .banner-credito .banner-text {\n            font-size: 0.95rem !important;\n            line-height: 1.4 !important;\n            color: #ddd !important;\n            margin: 0 !important;\n        }\n        \n        .banner-credito .banner-text strong {\n            color: #fff 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1.5rem !important;\n                margin: 15px !important;\n            }\n            \n            .banner-credito .banner-title {\n                font-size: 1.1rem !important;\n            }\n            \n            .banner-credito .banner-text {\n                font-size: 0.9rem !important;\n            }\n        }\n    <\/style>\n<\/head>\n<body>\n    <section class=\"banner-credito\" aria-label=\"Simulador de reducci\u00f3n de cr\u00e9dito hipotecario\">\n        <div class=\"banner-content\">\n            <h3 class=\"banner-title\">\u00bfSab\u00edas que puedes pagar menos por tu cr\u00e9dito hipotecario?<\/h3>\n            <p class=\"banner-text\">\n                Descubre en segundos cu\u00e1nto tiempo y dinero puedes ahorrar con \n                <strong>nuestro simulador exclusivo de abono inteligente a capital.<\/strong>\n            <\/p>\n        <\/div>\n        <a class=\"banner-cta\" href=\"https:\/\/inspeccion360.co\/simulador-reduccion-credito-hipotecario\/\" title=\"Acceder al simulador de reducci\u00f3n de cr\u00e9dito hipotecario\">\n           Simula tu ahorro \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-1947c2b7 elementor-widget elementor-widget-text-editor\" data-id=\"1947c2b7\" 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>FINANCIAR LA CUOTA INICIAL DE UN APARTAMENTO<\/h4><p>Antes de financiar la cuota inicial de un apartamento, aseg\u00farate de haber completado estos pasos previos:<\/p><ol><li><strong>Paga la cuota de separaci\u00f3n<\/strong>: Este es un monto inicial (generalmente entre $1,000,000 y $5,000,000 COP) que reservas el apartamento y confirma tu inter\u00e9s. Este valor se descuenta de la cuota inicial.<\/li><li><strong>Firma la promesa de compraventa<\/strong>: Este documento formaliza tu compromiso con la constructora y detalla las condiciones de la compra.<\/li><\/ol><p>Una vez completados estos pasos, est\u00e1s listo para financiar la cuota inicial. A continuaci\u00f3n, te explicamos c\u00f3mo hacerlo de forma efectiva.<\/p><p><strong>ACOGETE A LOS PLANES DE PAGO<\/strong><\/p><p>Las constructoras, especialmente en proyectos VIS o VIP, ofrecen planes de pago que te permiten pagar en cuotas mensuales. Dependiendo del proyecto, puedes distribuir el pago en 12, 24 o incluso 36 meses, seg\u00fan el tiempo que falte para la entrega del inmueble.<\/p><p><strong>SOLICITA SUBSIDIOS DE VIVIENDA<\/strong><\/p><p>Si ganas menos de cuatro salarios m\u00ednimos, podr\u00edas ser elegible para <span style=\"text-decoration: underline; color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/miprimeracasa.co\/aplicar-a-subsidios-de-vivienda\/\" target=\"_blank\" rel=\"noopener\">subsidios de vivienda<\/a><\/span>, como los ofrecidos por las cajas de compensaci\u00f3n o el programa Mi Casa Ya. Estos subsidios pueden cubrir una parte significativa de la cuota inicial, reduciendo el monto que debes financiar.<\/p><p>Por ejemplo, una <span style=\"text-decoration: underline;\"><span style=\"color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/inspeccion360.co\/blog\/subsidio-vivienda-caja-compensacion\/\">caja de compensaci\u00f3n<\/a><\/span><\/span> podr\u00eda otorgarte un subsidio de hasta $42,705,000 COP (valor de 2025 para hogares con ingresos menores a dos salarios m\u00ednimos). Consulta con tu caja de compensaci\u00f3n o el Ministerio de Vivienda para verificar tu elegibilidad.<\/p><p><strong>USA TUS AHORROS O CESANT\u00cdAS<\/strong><\/p><p>Tus ahorros personales o cesant\u00edas son una excelente herramienta para financiar la cuota inicial de un apartamento. Las cesant\u00edas, en particular, pueden retirarse para la compra de vivienda seg\u00fan las normas colombianas. Revisa cu\u00e1nto tienes disponible y planifica c\u00f3mo integrarlo en tu plan de pagos.<\/p><p><strong>NEGOCIA CON LA CONSTRUCTORA<\/strong><\/p><p>Algunas <span style=\"text-decoration: underline;\"><span style=\"color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/inspeccion360.co\/blog\/directorio-constructoras-proyectos-vis-vip\/\">constructoras ofrecen descuentos o condiciones especiales<\/a><\/span><\/span> para facilitar el pago de la cuota inicial. Por ejemplo, podr\u00edas negociar:<\/p><ul><li>Un descuento del 5-10% en la cuota inicial.<\/li><li>Plazos m\u00e1s largos para pagar sin intereses.<\/li><li>Fechas de pago ajustadas a tus ingresos (por ejemplo, pagos m\u00e1s altos cuando recibas primas).<\/li><\/ul>\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-7050d899 elementor-widget elementor-widget-spacer\" data-id=\"7050d899\" 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-342bd8e elementor-widget elementor-widget-text-editor\" data-id=\"342bd8e\" 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>EJEMPLO PR\u00c1CTICO PARA FINANCIAR LA CUOTA INICIAL DE UN APARTAMENTO<\/h4><p>Imagina que quieres comprar un apartamento de <strong>$200,000,000 COP<\/strong>. La cuota inicial es el 30%, es decir, <strong>$60,000,000 COP<\/strong>, y la entrega del inmueble est\u00e1 programada en 24 meses. A continuaci\u00f3n, te mostramos c\u00f3mo podr\u00edas financiar esta cuota inicial con un plan de pagos.<\/p><p>VARIABLES A CONSIDERAR:<\/p><ul><li><strong>Cuota de separaci\u00f3n<\/strong>: Pagaste $1,000,000 COP para reservar el apartamento, que se descuenta de la cuota inicial.<\/li><li><strong>Subsidio de la caja de compensaci\u00f3n<\/strong>: Eres elegible para un subsidio de $42,705,000 COP.<\/li><li><strong>Ahorros personales<\/strong>: Tienes $10,000,000 COP en ahorros o cesant\u00edas.<\/li><li><strong>Plazo de financiaci\u00f3n<\/strong>: 24 cuotas mensuales.<br \/><br \/><\/li><\/ul><p><strong>COTIZACI\u00d3N DEL PLAN DE PAGOS<\/strong><\/p><table><tbody><tr><td><p><strong>Concepto<\/strong><\/p><\/td><td><p><strong>Valor en COP<\/strong><\/p><\/td><\/tr><tr><td><p>Valor del apartamento<\/p><\/td><td><p>$200,000,000<\/p><\/td><\/tr><tr><td><p>Cuota inicial (30%)<\/p><\/td><td><p>$60,000,000<\/p><\/td><\/tr><tr><td><p>(-) Cuota de separaci\u00f3n<\/p><\/td><td><p>$1,000,000<\/p><\/td><\/tr><tr><td><p>(-) Subsidio caja de compensaci\u00f3n<\/p><\/td><td><p>$42,705,000<\/p><\/td><\/tr><tr><td><p>(-) Ahorros del comprador<\/p><\/td><td><p>$10,000,000<\/p><\/td><\/tr><tr><td><p><strong>Saldo a financiar en cuotas<\/strong><\/p><\/td><td><p><strong>$6,295,000<\/strong><\/p><\/td><\/tr><tr><td><p>N\u00famero de cuotas<\/p><\/td><td><p>24<\/p><\/td><\/tr><tr><td><p><strong>Valor de cada cuota mensual<\/strong><\/p><\/td><td><p><strong>$262,292<\/strong><\/p><\/td><\/tr><\/tbody><\/table><p><strong><br \/>Nota importante<\/strong>: Esta es solo una simulaci\u00f3n. Cada caso puede variar seg\u00fan el valor del inmueble, los subsidios a los que apliques y los acuerdos de pago que tengas con la constructora.<\/p><p>Financiar la cuota inicial de un apartamento no tiene por qu\u00e9 ser una carga. Con una buena planificaci\u00f3n, acceso a subsidios y un plan de pagos mensual, estar\u00e1s cada vez m\u00e1s cerca de cumplir el sue\u00f1o de tener vivienda propia.<\/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-fb78826 elementor-widget elementor-widget-html\" data-id=\"fb78826\" 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 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.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      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!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>Si tu objetivo es hacerte a una VIS o VIP, Inspecci\u00f3n 360 te explicar\u00e1 todo lo que necesitas saber sobre la cuota inicial y c\u00f3mo puedes pagarla de manera organizada, accediendo incluso a subsidios y facilidades de pago.<\/p>","protected":false},"author":2,"featured_media":1331,"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 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