Calculadora Capacidad de Endeudamiento 2026<\/title>\n <style>\n .cce-wrapper {\n font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;\n max-width: 640px;\n margin: 40px auto;\n box-sizing: border-box;\n }\n .cce-wrapper * { box-sizing: border-box; }\n .cce-card {\n background: #ffffff;\n border-radius: 16px;\n padding: 32px;\n box-shadow: 0 8px 30px rgba(0, 21, 41, 0.08);\n border: 1px solid #eef1f4;\n }\n .cce-header {\n text-align: center;\n margin-bottom: 24px;\n }\n .cce-badge {\n display: inline-block;\n background: #e6f4fc;\n color: #0095df;\n font-size: 12px;\n font-weight: 700;\n letter-spacing: 0.5px;\n padding: 5px 12px;\n border-radius: 999px;\n text-transform: uppercase;\n margin-bottom: 10px;\n }\n .cce-header h2 {\n margin: 0 0 6px 0;\n font-size: 1.4rem;\n color: #1a2b3c;\n }\n .cce-header p {\n margin: 0;\n font-size: 0.9rem;\n color: #6b7684;\n }\n .cce-grid {\n display: grid;\n grid-template-columns: 1fr 1fr;\n gap: 14px;\n margin-bottom: 10px;\n }\n .cce-field { margin-bottom: 16px; }\n .cce-field.full { grid-column: 1 \/ -1; }\n .cce-field label {\n display: flex;\n align-items: center;\n gap: 6px;\n font-size: 0.85rem;\n font-weight: 600;\n color: #33414f;\n margin-bottom: 6px;\n }\n .cce-field .cce-hint {\n font-weight: 400;\n color: #9aa5b1;\n font-size: 0.75rem;\n }\n .cce-input-group {\n position: relative;\n display: flex;\n align-items: center;\n }\n .cce-prefix {\n position: absolute;\n left: 14px;\n color: #9aa5b1;\n font-weight: 600;\n font-size: 0.95rem;\n pointer-events: none;\n }\n .cce-wrapper input[type=\"text\"],\n .cce-wrapper select {\n width: 100%;\n padding: 12px 14px 12px 30px;\n border-radius: 10px;\n border: 1.5px solid #e1e6ea;\n font-size: 0.95rem;\n color: #1a2b3c;\n background: #fbfcfd;\n transition: border-color 0.2s ease, box-shadow 0.2s ease;\n appearance: none;\n -webkit-appearance: none;\n }\n .cce-wrapper select { padding-left: 14px; cursor: pointer; }\n .cce-wrapper input[type=\"text\"]:focus,\n .cce-wrapper select:focus {\n outline: none;\n border-color: #0095df;\n box-shadow: 0 0 0 3px rgba(0, 149, 223, 0.15);\n }\n .cce-slider-row {\n display: flex;\n align-items: center;\n gap: 10px;\n }\n .cce-slider-row input[type=\"range\"] {\n flex: 1;\n accent-color: #0095df;\n }\n .cce-slider-value {\n min-width: 52px;\n text-align: right;\n font-weight: 700;\n color: #0095df;\n font-size: 0.9rem;\n }\n .cce-button {\n width: 100%;\n padding: 14px;\n background: linear-gradient(135deg, #0095df 0%, #007cba 100%);\n color: #fff;\n border: none;\n border-radius: 10px;\n font-size: 1rem;\n font-weight: 700;\n cursor: pointer;\n letter-spacing: 0.2px;\n transition: transform 0.15s ease, box-shadow 0.15s ease;\n box-shadow: 0 6px 16px rgba(0, 149, 223, 0.3);\n }\n .cce-button:hover { transform: translateY(-1px); box-shadow: 0 8px 20px rgba(0, 149, 223, 0.4); }\n .cce-button:active { transform: translateY(0); }\n .cce-results {\n display: none;\n margin-top: 22px;\n gap: 12px;\n grid-template-columns: 1fr 1fr;\n }\n .cce-results.show { display: grid; }\n .cce-result-box {\n background: #f8fafc;\n border-radius: 12px;\n padding: 16px;\n text-align: center;\n border: 1px solid #eef1f4;\n }\n .cce-result-box.highlight {\n background: linear-gradient(135deg, #fff4ec 0%, #ffe9db 100%);\n border-color: #ffd9bd;\n }\n .cce-result-label {\n font-size: 0.75rem;\n color: #6b7684;\n font-weight: 600;\n text-transform: uppercase;\n letter-spacing: 0.4px;\n margin-bottom: 6px;\n }\n .cce-result-value {\n font-size: 1.15rem;\n font-weight: 800;\n color: #1a2b3c;\n }\n .cce-result-box.highlight .cce-result-value { color: #fc5500; }\n .cce-result-currency {\n font-size: 0.7rem;\n color: #9aa5b1;\n font-weight: 600;\n }\n .cce-footnote {\n margin-top: 16px;\n font-size: 0.75rem;\n color: #9aa5b1;\n text-align: center;\n line-height: 1.5;\n }\n .cce-error {\n display: none;\n background: #fdecea;\n color: #c0392b;\n padding: 10px 14px;\n border-radius: 8px;\n font-size: 0.85rem;\n margin-bottom: 14px;\n }\n .cce-error.show { display: block; }\n @media (max-width: 480px) {\n .cce-card { padding: 22px; }\n .cce-grid { grid-template-columns: 1fr; }\n .cce-results { grid-template-columns: 1fr; }\n }\n <\/style>\n<\/head>\n<body>\n\n<div class=\"cce-wrapper\">\n <div class=\"cce-card\">\n <div class=\"cce-header\">\n <span class=\"cce-badge\">Actualizada 2026<\/span>\n <h2>Calculadora de Capacidad de Endeudamiento<\/h2>\n <p>Descubre tu cuota m\u00e1xima y el monto de cr\u00e9dito hipotecario al que puedes aplicar<\/p>\n <\/div>\n\n <div id=\"cceError\" class=\"cce-error\">Por favor, ingresa un valor v\u00e1lido para tus ingresos mensuales.<\/div>\n\n <div class=\"cce-field full\">\n <label for=\"cceIngresos\">\ud83d\udcb0 Ingresos mensuales <span class=\"cce-hint\">(tuyos o del n\u00facleo familiar)<\/span><\/label>\n <div class=\"cce-input-group\">\n <span class=\"cce-prefix\">$<\/span>\n <input type=\"text\" id=\"cceIngresos\" placeholder=\"Ej: 3.000.000\" inputmode=\"numeric\">\n <\/div>\n <\/div>\n\n <div class=\"cce-grid\">\n <div class=\"cce-field\">\n <label for=\"ccePlazo\">\ud83d\uddd3\ufe0f Plazo del cr\u00e9dito<\/label>\n <select id=\"ccePlazo\">\n <option value=\"10\">10 a\u00f1os<\/option>\n <option value=\"15\">15 a\u00f1os<\/option>\n <option value=\"20\" selected>20 a\u00f1os<\/option>\n <option value=\"25\">25 a\u00f1os<\/option>\n <option value=\"30\">30 a\u00f1os<\/option>\n <\/select>\n <\/div>\n <div class=\"cce-field\">\n <label for=\"cceTasa\">\ud83d\udcc8 Tasa E.A. <span class=\"cce-hint\">2026<\/span><\/label>\n <div class=\"cce-slider-row\">\n <input type=\"range\" id=\"cceTasa\" min=\"9\" max=\"17\" step=\"0.1\" value=\"13\">\n <span class=\"cce-slider-value\" id=\"cceTasaValor\">13,0%<\/span>\n <\/div>\n <\/div>\n <\/div>\n\n <button class=\"cce-button\" onclick=\"calcularCapacidadCCE()\">Calcular mi capacidad de endeudamiento<\/button>\n\n <div id=\"cceResultados\" class=\"cce-results\">\n <div class=\"cce-result-box\">\n <div class=\"cce-result-label\">Cuota m\u00e1xima mensual<\/div>\n <div class=\"cce-result-value\">$<span id=\"cceCuotaMaxima\">0<\/span><\/div>\n <div class=\"cce-result-currency\">COP \/ mes<\/div>\n <\/div>\n <div class=\"cce-result-box highlight\">\n <div class=\"cce-result-label\">Monto m\u00e1ximo de cr\u00e9dito<\/div>\n <div class=\"cce-result-value\">$<span id=\"cceMontoPrestamo\">0<\/span><\/div>\n <div class=\"cce-result-currency\">COP<\/div>\n <\/div>\n <\/div>\n\n <p class=\"cce-footnote\">\n C\u00e1lculo basado en el tope legal del 40% de los ingresos familiares (Decreto 583 de 2025) y en la tasa de inter\u00e9s hipotecaria promedio en pesos reportada por la Superintendencia Financiera para 2026 (~13% E.A.). Es una estimaci\u00f3n de referencia; tu banco definir\u00e1 la tasa y el monto final seg\u00fan tu perfil crediticio.\n <\/p>\n <\/div>\n<\/div>\n\n<script>\n function formatearNumeroCCE() {\n var input = document.getElementById(\"cceIngresos\");\n var valor = input.value.replace(\/[^\\d]\/g, '');\n var formateado = valor.replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \".\");\n input.value = formateado;\n }\n\n var cceTasaInput = document.getElementById(\"cceTasa\");\n var cceTasaValor = document.getElementById(\"cceTasaValor\");\n cceTasaInput.addEventListener(\"input\", function () {\n cceTasaValor.textContent = parseFloat(cceTasaInput.value).toFixed(1).replace('.', ',') + '%';\n });\n\n document.getElementById(\"cceIngresos\").addEventListener(\"input\", formatearNumeroCCE);\n\n function calcularCapacidadCCE() {\n var errorBox = document.getElementById(\"cceError\");\n var ingresosRaw = document.getElementById(\"cceIngresos\").value.replace(\/[^\\d]\/g, '');\n var ingresos = parseFloat(ingresosRaw);\n\n if (!ingresosRaw || isNaN(ingresos) || ingresos <= 0) {\n errorBox.classList.add(\"show\");\n document.getElementById(\"cceResultados\").classList.remove(\"show\");\n return;\n }\n errorBox.classList.remove(\"show\");\n\n var plazoAnios = parseInt(document.getElementById(\"ccePlazo\").value, 10);\n var tasaEA = parseFloat(document.getElementById(\"cceTasa\").value) \/ 100;\n\n \/\/ Cuota m\u00e1xima seg\u00fan tope legal del 40% (Decreto 583 de 2025)\n var cuotaMaxima = Math.floor(ingresos * 0.40);\n\n \/\/ Monto m\u00e1ximo del cr\u00e9dito con f\u00f3rmula de anualidad (valor presente de una cuota fija)\n var n = plazoAnios * 12;\n var tasaMensual = Math.pow(1 + tasaEA, 1 \/ 12) - 1;\n var montoPrestamo = 0;\n if (tasaMensual > 0) {\n montoPrestamo = cuotaMaxima * (1 - Math.pow(1 + tasaMensual, -n)) \/ tasaMensual;\n } else {\n montoPrestamo = cuotaMaxima * n;\n }\n montoPrestamo = Math.floor(montoPrestamo);\n\n document.getElementById(\"cceCuotaMaxima\").innerText = cuotaMaxima.toLocaleString('es-CO');\n document.getElementById(\"cceMontoPrestamo\").innerText = montoPrestamo.toLocaleString('es-CO');\n document.getElementById(\"cceResultados\").classList.add(\"show\");\n }\n<\/script>\n\n<\/body>\n<\/html>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ff5669 elementor-widget elementor-widget-html\" data-id=\"1ff5669\" 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 <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n <title>Banner Inspecci\u00f3n T\u00e9cnica - Colores Reforzados<\/title>\n<\/head>\n<body>\n \n <style>\n .itv-banner {\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: 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 border: none !important;\n outline: none !important;\n }\n\n .itv-banner * {\n box-sizing: border-box !important;\n }\n\n .itv-content {\n flex: 1 !important;\n }\n\n .itv-banner .itv-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 text-shadow: 0 0 1px #FD6200 !important;\n background: none !important;\n text-decoration: none !important;\n }\n\n .itv-banner .itv-text {\n font-size: 0.95rem !important;\n line-height: 1.4 !important;\n color: #ddd !important;\n margin: 0 !important;\n text-shadow: 0 0 1px rgba(255,255,255,0.5) !important;\n background: none !important;\n }\n\n .itv-banner .itv-text strong {\n color: #fff !important;\n font-weight: bold !important;\n text-shadow: 0 0 2px rgba(255,255,255,0.8) !important;\n background: none !important;\n text-decoration: none !important;\n }\n\n .itv-banner .itv-cta {\n background-color: #FD6200 !important;\n background: linear-gradient(135deg, #FD6200 0%, #e45600 100%) !important;\n color: #fff !important;\n text-decoration: none !important;\n padding: 0.7rem 1.2rem !important;\n border-radius: 0.5rem !important;\n font-weight: bold !important;\n white-space: nowrap !important;\n transition: all 0.3s ease !important;\n border: none !important;\n outline: none !important;\n text-shadow: 0 0 2px rgba(0,0,0,0.5) !important;\n box-shadow: 0 4px 12px rgba(253, 98, 0, 0.4) !important;\n text-transform: uppercase !important;\n letter-spacing: 0.5px !important;\n }\n\n .itv-banner .itv-cta:hover {\n background-color: #e45600 !important;\n background: linear-gradient(135deg, #e45600 0%, #FD6200 100%) !important;\n color: #fff !important;\n text-decoration: none !important;\n transform: translateY(-2px) scale(1.02) !important;\n box-shadow: 0 8px 20px rgba(253, 98, 0, 0.5) !important;\n }\n\n .itv-banner .itv-cta:visited {\n color: #fff !important;\n background-color: #FD6200 !important;\n }\n\n .itv-banner .itv-cta:focus {\n color: #fff !important;\n background-color: #FD6200 !important;\n outline: 2px solid #fff !important;\n outline-offset: 2px !important;\n }\n\n .itv-banner .itv-cta:active {\n color: #fff !important;\n background-color: #e45600 !important;\n transform: translateY(0) scale(1) !important;\n }\n\n \/* Forzar colores en todos los pseudo-elementos *\/\n .itv-banner .itv-cta::before,\n .itv-banner .itv-cta::after {\n color: #fff !important;\n background: none !important;\n }\n\n \/* Forzar colores espec\u00edficos para diferentes estados *\/\n .itv-banner a.itv-cta,\n .itv-banner a.itv-cta:link,\n .itv-banner a.itv-cta:visited,\n .itv-banner a.itv-cta:hover,\n .itv-banner a.itv-cta:active,\n .itv-banner a.itv-cta:focus {\n color: #fff !important;\n text-decoration: none !important;\n }\n\n .itv-banner h3.itv-title,\n .itv-banner .itv-title h3,\n .itv-banner h1.itv-title,\n .itv-banner h2.itv-title,\n .itv-banner h4.itv-title,\n .itv-banner h5.itv-title,\n .itv-banner h6.itv-title {\n color: #FD6200 !important;\n background: none !important;\n text-shadow: 0 0 1px #FD6200 !important;\n }\n\n @media (max-width: 700px) {\n .itv-banner {\n flex-direction: column !important;\n align-items: flex-start !important;\n text-align: center !important;\n padding: 1.5rem !important;\n }\n \n .itv-banner .itv-cta {\n align-self: center !important;\n margin-top: 1rem !important;\n width: 100% !important;\n text-align: center !important;\n }\n\n .itv-banner .itv-title {\n font-size: 1.2rem !important;\n }\n }\n\n @media (max-width: 480px) {\n .itv-banner {\n padding: 1.2rem 1.5rem !important;\n margin: 15px !important;\n }\n\n .itv-banner .itv-title {\n font-size: 1.1rem !important;\n }\n\n .itv-banner .itv-text {\n font-size: 0.9rem !important;\n }\n }\n <\/style>\n\n <section class=\"itv-banner\" aria-label=\"Inspecci\u00f3n de viviendas en Colombia\">\n <div class=\"itv-content\">\n <h3 class=\"itv-title\">Inspecci\u00f3n de Viviendas<\/h3>\n <p class=\"itv-text\">\n Antes de recibir tu casa o apartamento, \n <strong>\u00a1aseg\u00farate de que todo est\u00e9 en perfecto estado!<\/strong> \n Un experto detectar\u00e1 fallas ocultas y te ahorrar\u00e1 problemas y dinero.\n <\/p>\n <\/div>\n <a class=\"itv-cta\" \n href=\"https:\/\/inspeccion360.co\/\" \n 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-56693755 elementor-widget elementor-widget-spacer\" data-id=\"56693755\" 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-6e794622 elementor-widget elementor-widget-text-editor\" data-id=\"6e794622\" 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>De acuerdo al resultado anterior, eso es lo m\u00e1ximo que puedes pagar de cuota de <span style=\"color: #0095df;\"><a style=\"color: #0095df;\" href=\"https:\/\/miprimeracasa.co\/solicitar-credito-hipotecario\/credito-hipotecario\/\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\">cr\u00e9dito hipotecario<\/span><\/a><\/span>. Probablemente te estar\u00e1s preguntado: \u00bfDe d\u00f3nde sali\u00f3 ese resultado de la cuota m\u00e1xima? Ac\u00e1 te lo vamos a explicar.<br \/><br \/><\/p>\n<h4>\u00bfC\u00d3MO CALCULAR LA CAPACIDAD DE ENDEUDAMIENTO?<\/h4>\n<p>Supongamos que<strong> tienes un ingreso de $3.000.000 de pesos mensuales<\/strong> y vas a pedir un cr\u00e9dito hipotecario en una entidad financiera. El banco inicialmente debe hacer un c\u00e1lculo (<a href=\"https:\/\/www.funcionpublica.gov.co\/eva\/gestornormativo\/norma.php?i=180\" target=\"_blank\" rel=\"noopener\"><span style=\"text-decoration: underline;\"><span style=\"color: #0095df; text-decoration: underline;\">de acuerdo a la ley de vivienda<\/span><\/span><\/a>) para saber cu\u00e1l es tu capacidad de endeudamiento, y eso le dar\u00e1 una idea de c\u00f3mo va a quedar la cuota mensual que vas a pagar durante los pr\u00f3ximos 20 a\u00f1os. La f\u00f3rmula es la siguiente:<\/p>\n<p>Ingresos Mensuales x 40% = Cuota m\u00e1xima mensual<\/p>\n<p>$3.000.000 x 40% = <strong>$1.200.000<\/strong><\/p>\n<p><strong>Aqu\u00ed te lo explico mejor:<\/strong><\/p>\n<ul>\n<li>40% se puede expresar como 0.40 en forma decimal.<\/li>\n<li>Para encontrar el 40% de 3.000.000, multiplicamos: <strong><strong><strong><strong><strong>3.000.000 * 0.40 = 1.200.000<\/strong><\/strong><\/strong><\/strong><\/strong>\n<p>\u00a0<\/p>\n<\/li>\n<\/ul>\n<p>El resultado es 1.200.000 y esa ES TU CAPACIDAD DE ENDEUDAMIENTO y, por lo tanto, va a ser la cuota aproximada que puedes llegar a pagar durante el plazo de tu cr\u00e9dito.<\/p>\n<p>Con esa cuota m\u00e1xima, y usando la tasa de inter\u00e9s hipotecaria promedio en pesos para 2026 (cerca del 13% E.A. seg\u00fan la Superintendencia Financiera de Colombia), a un plazo de 20 a\u00f1os podr\u00edas acceder a un cr\u00e9dito de aproximadamente <strong>$107.000.000 COP<\/strong>. Este es un c\u00e1lculo de referencia: la tasa final depende del banco, tu perfil crediticio y si la vivienda es VIS o No VIS.<\/p>\n<p>Debes tener en cuenta que todas las entidades financieras, antes de prestarte dinero, deben evaluar si t\u00fa, como solicitante, puedes asumir una deuda sin correr un alto riesgo de impago.<\/p>\n<p>Dicho lo anterior, ac\u00e1 entra la ley de vivienda, que dicta toda la normatividad sobre la compra de vivienda nueva en Colombia. Esta ley habla sobre el papel que juega el sistema financiero y los derechos y deberes que tienen en su rol de prestadores de dinero.<\/p>\n<p>Adem\u00e1s, la ley de vivienda regula cu\u00e1nto le puede prestar el sistema financiero a una persona, para que no comprometa el 100% de sus ingresos al invertir en una vivienda VIS, VIP o No VIS. Vale la pena recordar que, con el Decreto 583 de 2025, el tope de la cuota subi\u00f3 del 30% al 40% de los ingresos familiares tanto para VIS como para No VIS, lo que ampl\u00eda la capacidad de endeudamiento frente a a\u00f1os anteriores.<\/p>\n<p>En este link, puedes consultar toda la normativa de la ley de vivienda: <span style=\"text-decoration: underline;\"><span style=\"color: #0095df;\"><a style=\"color: #0095df; text-decoration: underline;\" href=\"https:\/\/www.funcionpublica.gov.co\/eva\/gestornormativo\/norma.php?i=180\" target=\"_blank\" rel=\"noopener\">https:\/\/www.funcionpublica.gov.co\/eva\/gestornormativo\/norma.php?i=180<\/a><\/span><\/span><\/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-21e1e6cc elementor-widget elementor-widget-text-editor\" data-id=\"21e1e6cc\" 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><br \/>SEG\u00daN LA LEY DE VIVIENDA \u00bfCU\u00c1NTO DEBE SER MI CAPACIDAD DE ENDEUDAMIENTO?<\/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-2ecf1da3 elementor-widget elementor-widget-text-editor\" data-id=\"2ecf1da3\" 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>Seg\u00fan la normativa colombiana y las pol\u00edticas de los bancos, una persona que solicita un cr\u00e9dito hipotecario puede endeudarse hasta un porcentaje espec\u00edfico de sus ingresos mensuales si va a comprar una vivienda <a href=\"https:\/\/inspeccion360.co\/blog\/tipos-vivienda-nueva\/\"><span style=\"text-decoration: underline; color: #0095df;\">VIS o VIP<\/span><\/a>; Desde la expedici\u00f3n del Decreto 583 de 2025, el l\u00edmite legal de la cuota es del <strong>40% de los ingresos mensuales del solicitante<\/strong>, tanto para vivienda VIS como No VIS (antes el tope era del 30%).<\/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-7857586 elementor-widget elementor-widget-html\" data-id=\"7857586\" 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<div class=\"elementor-element elementor-element-5d471310 elementor-widget elementor-widget-spacer\" data-id=\"5d471310\" 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\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>La capacidad de endeudamiento es el monto m\u00e1ximo que t\u00fa, como persona o empresa, puede pedir prestado a un banco sin comprometer tu estabilidad financiera.<\/p>","protected":false},"author":2,"featured_media":1385,"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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