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color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedc3258589013180786-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedc3258589013180786-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedc3258589013180786-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedc3258589013180786-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedc3258589013180786-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedc3258589013180786-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedc3258589013180786-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedc3258589013180786-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedc3258589013180786-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedc3258589013180786-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedc3258589013180786-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-1-o-cenario-atual-que-taxas-estao-em-vigor-em-2025\"><strong>1. El escenario actual: \u00bfqu\u00e9 tasas estar\u00e1n vigentes en 2025?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Las tasas de inter\u00e9s son el punto de partida para quienes planean financiarse. En 2025, los promedios nacionales se ver\u00edan as\u00ed:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>30 a\u00f1os fijo (financiaci\u00f3n convencional)<\/strong>: entre <strong>6.30% y 6.50%<\/strong> por a\u00f1o.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>15 a\u00f1os fijos<\/strong>: entre <strong>5.50% y 5.60%<\/strong> por a\u00f1o.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>FHA (30 a\u00f1os)<\/strong>: entre <strong>6.4% y 6.9%<\/strong>, considerando la tasa efectiva (TAE).<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Estos n\u00fameros var\u00edan seg\u00fan la puntuaci\u00f3n crediticia del comprador, el monto del pago inicial, el tipo de propiedad y la ubicaci\u00f3n. <strong>Tasa de Porcentaje Anual (APR)<\/strong> Siempre es el indicador m\u00e1s importante, ya que incluye intereses y costes impl\u00edcitos.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-2-por-que-o-down-payment-e-tao-importante\"><strong>2. \u00bfPor qu\u00e9 es tan importante el pago inicial?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>El enganche es uno de los factores que m\u00e1s influye en el coste total del financiamiento. Cuanto mayor sea el importe inicial, menores ser\u00e1n los riesgos y los costes mensuales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>La financiaci\u00f3n convencional puede comenzar con <strong>Entrada 3%<\/strong>, en programas especiales.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>O <strong>FHA<\/strong> requiere <strong>3,5%<\/strong>, con aprobaci\u00f3n m\u00e1s flexible para aquellos con cr\u00e9dito razonable.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Programas <strong>Virginia<\/strong> Es <strong>USDA<\/strong> puede permitir <strong>entrada cero<\/strong>, en situaciones espec\u00edficas.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Dar <strong>20% o m\u00e1s<\/strong> La entrada elimina la <strong>PMI (Seguro hipotecario privado)<\/strong>, seguro obligatorio para quienes financian con menos.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>En la pr\u00e1ctica, la mayor\u00eda de los compradores dan aproximadamente <strong>Entrada 9%<\/strong> Cuando compras tu primera propiedad y sobre <strong>18%<\/strong> en compras posteriores.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-3-custos-embutidos-que-voce-precisa-conhecer\"><strong>3. Costos impl\u00edcitos que debes conocer<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Adem\u00e1s del pago inicial, el comprador paga una serie de costos adicionales que aparecen en el <strong>Estimaci\u00f3n del pr\u00e9stamo<\/strong>, el documento que detalla todos los gastos del pr\u00e9stamo. Estos costos representan <strong>2% a 5%<\/strong> del valor de la propiedad e incluyen:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Tarifa de originaci\u00f3n<\/strong>:tarifa que cobra el banco para iniciar el financiamiento.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>honorarios de tasaci\u00f3n<\/strong>:costo de una tasaci\u00f3n profesional de la propiedad.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Informe de cr\u00e9dito<\/strong>:verificaci\u00f3n del historial crediticio.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Seguro de t\u00edtulo<\/strong>:seguro contra problemas con el t\u00edtulo de propiedad.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Dep\u00f3sito en garant\u00eda y prepagos<\/strong>:dep\u00f3sito anticipado de impuestos y seguro de hogar.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>PMI o MIP<\/strong>:Se requiere seguro hipotecario cuando el pago inicial es inferior a 20%.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Puntos de descuento<\/strong>:tarifa opcional que paga el comprador para reducir el inter\u00e9s con el tiempo.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Estos montos var\u00edan dependiendo del tipo de pr\u00e9stamo, el banco y la regi\u00f3n.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-4-tipos-de-financiamento-imobiliario-disponiveis\"><strong>4. Tipos de financiaci\u00f3n inmobiliaria disponibles<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Existen varios tipos de financiaci\u00f3n en EE. UU., cada uno con sus propias caracter\u00edsticas. A continuaci\u00f3n, se presentan los principales:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Convencional (Conforme)<\/strong><br>Pago inicial m\u00ednimo de 3% a 20%. Este es el tipo m\u00e1s com\u00fan y requiere seguro PMI si el pago inicial es inferior a 20%.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>FHA (Administraci\u00f3n Federal de Vivienda)<\/strong><br>Pago inicial de 3.5% o m\u00e1s. Recomendado para personas con bajo puntaje crediticio. Requiere seguro hipotecario MIP.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Asuntos de Veteranos (VA)<\/strong><br>Pago inicial cero para personal militar, veteranos y c\u00f3nyuges elegibles. Condiciones muy favorables.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>USDA<\/strong><br>Sin enganche para propiedades rurales y con l\u00edmites de ingresos. Ideal para quienes buscan propiedades fuera de los grandes centros urbanos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Pr\u00e9stamo Jumbo<\/strong><br>Para propiedades anteriores <strong>US$ 806.500<\/strong> (Fecha l\u00edmite: 2025). Requiere excelente cr\u00e9dito y un pago inicial mayor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>ARM (hipoteca de tasa ajustable)<\/strong><br>Tasa ajustable. Comienza con una tasa m\u00e1s baja, pero puede fluctuar con el tiempo. Buena opci\u00f3n para quienes buscan vender antes del ajuste.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-5-passo-a-passo-ate-o-fechamento-do-financiamento-imobiliario\"><strong>5. Gu\u00eda paso a paso para cerrar tu pr\u00e9stamo hipotecario<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>1. Planifique su presupuesto total<\/strong> \u2014 incluye el pago inicial, los costos de cierre y el fondo de emergencia.<br><strong>2. Verifique su puntaje de cr\u00e9dito<\/strong> \u2014Cuanto mayor sea la puntuaci\u00f3n, menor ser\u00e1 la tasa.<br><strong>3. Solicitar preaprobaci\u00f3n<\/strong> \u2014Esto demuestra al vendedor que usted es un comprador confiable.<br><strong>4. Comparar al menos tres instituciones<\/strong> \u2014 pedir el <strong>Estimaciones de pr\u00e9stamos<\/strong> el mismo d\u00eda para facilitar la comparaci\u00f3n.<br><strong>5. Elige el tipo de financiaci\u00f3n<\/strong> \u2014 evaluar plazo, tasa fija o ajustable y condiciones generales.<br><strong>6. Bloquear el tipo de inter\u00e9s (bloqueo de tipo de inter\u00e9s)<\/strong> \u2014 asegura que no suba hasta el cierre.<br><strong>7. Presentar documentos y esperar la suscripci\u00f3n.<\/strong> \u2014 El banco realizar\u00e1 un an\u00e1lisis crediticio y una valoraci\u00f3n de la propiedad.<br><strong>8. Hacer el cierre<\/strong> \u2014 firmar el contrato y completar la compra.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-6-dicas-praticas-para-economizar-no-financiamento-imobiliario\"><strong>6. Consejos pr\u00e1cticos para ahorrar<\/strong> <strong>nodo<\/strong> <strong>financiaci\u00f3n inmobiliaria<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Comparar <strong>ABR<\/strong> (tasa anual efectiva), no s\u00f3lo la tasa de inter\u00e9s nominal.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>De <strong>Entrada 20%<\/strong> Si es posible, eliminar el PMI.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Evite pagar <strong>puntos de descuento<\/strong> Si no tiene intenci\u00f3n de permanecer en la propiedad durante muchos a\u00f1os.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Negociar todas las tarifas, especialmente las tarifas de originaci\u00f3n.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Mejore su cr\u00e9dito antes de solicitarlo para obtener tasas de inter\u00e9s m\u00e1s bajas.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Solicita al menos tres propuestas de financiamiento para comparar condiciones reales.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-7-onde-buscar-as-melhores-condicoes-de-financiamento-imobiliario\"><strong>7. \u00bfD\u00f3nde encontrar las mejores condiciones de financiaci\u00f3n inmobiliaria?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Ning\u00fan banco es siempre el mejor. Lo mejor es comparar opciones.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>bancos tradicionales<\/strong> Bancos como Bank of America, Wells Fargo y US Bank ofrecen buenos paquetes para clientes con cuentas corrientes.<br><strong>Prestamistas digitales<\/strong>, como Rocket Mortgage, destacan por su agilidad y tarifas competitivas.<br><strong>Cooperativas de cr\u00e9dito locales<\/strong> Suelen ofrecer tipos de inter\u00e9s m\u00e1s bajos y comisiones reducidas.<br><strong>Prestamistas especializados<\/strong> Los pr\u00e9stamos VA y FHA son ideales para quienes califican para estos programas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Compare siempre las condiciones y elija la instituci\u00f3n que ofrezca el costo total m\u00e1s bajo.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-8-o-que-observar-no-loan-estimate\"><strong>8. Qu\u00e9 buscar en la estimaci\u00f3n del pr\u00e9stamo<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>O <strong>Estimaci\u00f3n del pr\u00e9stamo<\/strong> Este es el documento que detalla todos los costos de su pr\u00e9stamo. Estos son los puntos principales que debe verificar:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Cargos de originaci\u00f3n<\/strong>: comisiones bancarias directas.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Servicios y seguros<\/strong>:incluye tasaci\u00f3n, t\u00edtulo y gastos administrativos.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Prepagos y dep\u00f3sito en garant\u00eda<\/strong>:impuestos y seguros por adelantado.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>ABR<\/strong>:representa el costo total de financiamiento.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Penalizaciones por pago anticipado<\/strong>:verifique si hay alguna multa que pagar antes de la fecha l\u00edmite.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Dep\u00f3sito en garant\u00eda obligatorio<\/strong>:Algunos bancos requieren esta cuenta de custodia.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Comprender este documento es fundamental para evitar sorpresas desagradables.<\/p>\n<\/div><div class=\"wp-block-lazyblock-accordion lazyblock-accordion-Z278qxj\"><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        \u00bfDebo pagar 20% como dep\u00f3sito?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        No. Hay programas que aceptan un pago inicial de 3% o 3.5%, pero 20% elimina el seguro PMI.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        \u00bfCu\u00e1l es la tasa media en 2025?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        El tipo de inter\u00e9s medio para un plazo fijo a 30 a\u00f1os se sit\u00faa entre 6,30% y 6,50%, variando seg\u00fan el perfil del comprador.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        \u00bfQu\u00e9 es la TAE y por qu\u00e9 es importante?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Es la tasa anual efectiva, que incluye intereses y costos impl\u00edcitos, reflejando el costo real del financiamiento.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        \u00bfC\u00f3mo influye el cr\u00e9dito en la tasa?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Cuanto mejor sea la puntuaci\u00f3n, menor ser\u00e1 el riesgo para el banco y m\u00e1s bajos ser\u00e1n los tipos de inter\u00e9s.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        \u00bfVale la pena pagar por puntos de descuento?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Solo si planeas quedarte en la propiedad por muchos a\u00f1os. De lo contrario, el costo no vale la pena.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        \u00bfQu\u00e9 es el seguro hipotecario (PMI\/MIP)?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Es un seguro que se cobra cuando el pago inicial es menor a 20%, para proteger al banco contra impago.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        \u00bfCuanto tiempo tarda la aprobaci\u00f3n?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        El proceso suele tardar entre 30 y 45 d\u00edas, pero puede ser m\u00e1s r\u00e1pido si toda la documentaci\u00f3n es correcta.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        \u00bfPuedo refinanciar el pr\u00e9stamo?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        S\u00ed. Si las tasas de inter\u00e9s bajan, puedes refinanciar y reducir tu pago mensual.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Comprar una casa en EE. UU. con financiamiento puede parecer complicado, pero con la informaci\u00f3n adecuada, puede llevar este proceso con confianza y sin sorpresas. Esta gu\u00eda explica en menos de 10 minutos el proceso paso a paso, qu\u00e9 esperar, d\u00f3nde prestar especial atenci\u00f3n, c\u00f3mo comparar ofertas y c\u00f3mo prepararse con antelaci\u00f3n. <a class=\"more-link\" href=\"https:\/\/jornalmovimento.com.br\/es\/rec-long-feed-real-estate-financing\/\">sigue leyendo <span class=\"screen-reader-text\">Gu\u00eda completa para financiar una propiedad en EE. UU. en 2025<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":11340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2,745,725],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guia completo para financiar um im\u00f3vel nos EUA em 2025 - Jornal Movimento<\/title>\n<meta name=\"description\" content=\"Guia completo para financiar um im\u00f3vel nos EUA em 2025: quanto dar de entrada, taxas atuais e etapas do processo. 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