{"id":3728,"date":"2020-11-03T17:42:53","date_gmt":"2020-11-03T17:42:53","guid":{"rendered":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/?page_id=3728"},"modified":"2025-12-22T14:12:38","modified_gmt":"2025-12-22T20:12:38","slug":"hipotecario-cedulario","status":"publish","type":"page","link":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/creditos-banca-personal\/hipotecario-cedulario\/","title":{"rendered":"Cr\u00e9dito Hipotecario Cedulario"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_section][vc_row][vc_column]\r\n            <style media=\"screen\">\r\n                \r\n                                    #sh-element-titlebar-breadcrumbs-aDBcNSHMQt #breadcrumbs a {\r\n                        color: #00c1d4;\r\n                    }\r\n                \r\n                \r\n\r\n                \/*.sh-element-titlebar-title .sh-element-titlebar-title-content {\r\n                    margin-top: 0;\r\n                    margin-bottom: 0;\r\n                    line-height: 1;\r\n                }*\/\r\n            <\/style>\r\n\r\n\r\n            <div id=\"sh-element-titlebar-breadcrumbs-aDBcNSHMQt\" class=\"sh-element-titlebar-breadcrumbs text-left\">\r\n                <div class=\"title-level\">\r\n                    <div id=\"breadcrumbs\" class=\"breadcrumb-trail breadcrumbs\"><span class=\"item-home\"><a class=\"bread-link bread-home\" href=\"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/\" title=\"Inicio\">Inicio<\/a><\/span><span class=\"separator\"> &gt; <\/span><span class=\"item-current\"><span class=\"bread-current\">Cr\u00e9dito Hipotecario Cedulario<\/span><\/span><\/div>                <\/div>\r\n            <\/div>\r\n\r\n        \r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-jldQGB0pxF  \" style=\"height: 20px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][\/vc_section][vc_section][vc_row][vc_column][vc_raw_html]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[\/vc_raw_html][\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;info-productos__section-1&#8243;][vc_row][vc_column]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-6OmYzSckpB {\r\n                            height: 0px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-6OmYzSckpB  \" style=\"height: 52px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; overflow=&#8221;default&#8221;][vc_column width=&#8221;1\/3&#8243; overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1712179844730{padding-left: 50px !important;}&#8221;][vc_row_inner][vc_column_inner]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-xYLouf3kHZ {\r\n                            height: 20px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-xYLouf3kHZ  \" style=\"height: 50px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_raw_html css=&#8221;&#8221;]JTNDaDElMjBjbGFzcyUzRCUyMnR4Yy1hcXVhLWRpZ2l0YWwtMiUyMiUzRSUwQSUyMCUyMCUyMCUyMENyJUMzJUE5ZGl0byUyMEhpcG90ZWNhcmlvJTBBJTIwJTIwJTIwJTIwJTNDYnIlM0UlMEElMjAlMjAlMjAlMjAlM0NzcGFuJTIwY2xhc3MlM0QlMjJ0eGMtZXhwZXJ0byUyMiUzRSUwQSUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMENlZHVsYXJpbyUwQSUyMCUyMCUyMCUyMCUzQyUyRnNwYW4lM0UlMEElM0MlMkZoMSUzRQ==[\/vc_raw_html]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-xikb40Rprt {\r\n                            height: 20px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-xikb40Rprt  \" style=\"height: 10px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_column_text css=&#8221;.vc_custom_1766425950578{margin-top: 0px !important;margin-left: 0px !important;padding-top: 0px !important;padding-left: 0px !important;}&#8221; el_class=&#8221;info-productos__p&#8221;]<\/p>\n<section class=\"vc_section section2prod wpb_animate_when_almost_visible wpb_fadeInDown fadeInDown vc_custom_1597515477500 wpb_start_animation animated\">\n<div class=\"vc_row wpb_row vc_row-fluid vc_row_1382190382\">\n<div class=\"section2textprod wpb_column vc_column_container vc_col-sm-12\">\n<div class=\"vc_column-inner \">\n<div class=\"wpb_wrapper\">\n<div class=\"wpb_text_column wpb_content_element textblockproducto\">\n<div class=\"wpb_wrapper\">\n<p class=\"p1\">Cr\u00e9dito Hipotecario es un financiamiento respaldado por una c\u00e9dula hipotecaria, que representa el valor total del cr\u00e9dito otorgado.<\/p>\n<p>&nbsp;<\/p><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<p><strong>Fecha de actualizaci\u00f3n: Diciembre 2025<\/strong>[\/vc_column_text][vc_btn title=&#8221;M\u00e1s informaci\u00f3n&#8221; style=&#8221;classic&#8221; css=&#8221;.vc_custom_1766427481941{margin-left: 0px !important;padding-left: 0px !important;}&#8221; el_class=&#8221;btn-corp-06&#8243; link=&#8221;url:http%3A%2F%2Fwww.bivienda.bi.com.gt%2F&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243;][vc_single_image image=&#8221;78871&#8243; img_size=&#8221;full&#8221; css=&#8221;&#8221;][\/vc_column][vc_column width=&#8221;1\/3&#8243; overflow=&#8221;default&#8221;][vc_row_inner overflow=&#8221;default&#8221; el_class=&#8221;info-productos__section&#8211;iconstyle1&#8243;][vc_column_inner][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJzdHlsaXplZC1wbGVjYV9fY29udGFpbmVyJTIyJTNFJTBBJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTNDZGl2JTIwY2xhc3MlM0QlMjJzdHlsaXplZC1wbGVjYSUyMiUzRUNhcmFjdGVyJUMzJUFEc3RpY2FzJTNDJTJGZGl2JTNFJTBBJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTNDJTJGZGl2JTNF[\/vc_raw_html]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-XLq8WNjvJi  \" style=\"height: 24px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-226d0203cd81 vc_custom_1766433989459 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766433989451\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-efectivo  biw-icon-226d0203cd81 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-226d0203cd81 \">Forma de pago: Cuota nivelada\/sobre saldos<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-FPNIpeKkSn  \" style=\"height: 24px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-2490ea0741ea vc_custom_1766434020613 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434020608\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-quetzal-circulo  biw-icon-2490ea0741ea \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-2490ea0741ea \">Tasa de inter\u00e9s m\u00ednima quetzales 8.50 % anual variable cuando el Destino es Vivienda. Otros Destinos (consolidaci\u00f3n deudas, inversi\u00f3n, etc.) Tasa de inter\u00e9s m\u00ednima quetzales 9.00 % anual variable.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-3YrpSkz1W4  \" style=\"height: 24px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-401700009503 vc_custom_1766434031509 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434031503\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-dolar-circulo  biw-icon-401700009503 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-401700009503 \">Tasa de inter\u00e9s m\u00ednima d\u00f3lares 8.00% anual variable.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-k8DNsJoOSH  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;info-productos__section-2&#8243;][vc_row][vc_column]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-k0xUWIlLNJ {\r\n                            height: 0px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-k0xUWIlLNJ  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; overflow=&#8221;default&#8221;][vc_column width=&#8221;2\/3&#8243;][vc_row_inner][vc_column_inner][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJzdHlsaXplZC1wbGVjYV9fY29udGFpbmVyLS1zZWNvbmRhcnklMjIlM0UlMEElMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlM0NkaXYlMjBjbGFzcyUzRCUyMnN0eWxpemVkLXBsZWNhX19zZWNvbmRhcnklMjIlM0VCZW5lZmljaW9zJTNDJTJGZGl2JTNFJTBBJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTIwJTNDJTJGZGl2JTNF[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-JCSMBrwnK7  \" style=\"height: 132px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner overflow=&#8221;default&#8221; el_class=&#8221;info-productos__column&#8211;v1&#8243;][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-5DsVFY8nWz  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-dd61cc296f43 vc_custom_1766434223554 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434223548\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-calendario-aceptar  biw-icon-dd61cc296f43 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-dd61cc296f43 \">Plazo hasta 20 a\u00f1os. Plazo 25 a\u00f1os, sujeto a opini\u00f3n o Vo.Bo. del Comit\u00e9.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-RmguyxdnLr  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-EuPf7hbQri  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-e832446897e8 vc_custom_1766434232237 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434232231\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-efectivo-aceptar  biw-icon-e832446897e8 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-e832446897e8 \">Amortizaci\u00f3n a capital sin penalizaci\u00f3n, en ambas modalidades de pago (cuota nivelada y sobre saldos) y moneda (Q. \/ US$.).<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-98GriEXoK6  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-Ioc9dRUSEH  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-ed60b7b4b658 vc_custom_1766434240384 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434240377\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-efectivo-aceptar  biw-icon-ed60b7b4b658 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-ed60b7b4b658 \">Nivel de endeudamiento hasta 35% sobre ingresos. Y hasta 45 % sobre ingresos sujeto autorizaci\u00f3n o Vo.Bo del Comit\u00e9.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-zIo1SpaxiX  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner overflow=&#8221;default&#8221; el_class=&#8221;info-productos__column&#8211;v1&#8243;][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-cEodzSZeRO  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-a6dee7bb8d6f vc_custom_1735928712679 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735928712677\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-efectivo  biw-icon-a6dee7bb8d6f \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-a6dee7bb8d6f \">Moneda del cr\u00e9dito Quetzales o D\u00f3lares.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-RyedpioUA2  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-3ClrEmuP6Q  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-0c0b1522ee20 vc_custom_1735936807771 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735936807765\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-casa-aceptar  biw-icon-0c0b1522ee20 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-0c0b1522ee20 \">Destino de compra de vivienda nueva y usada.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-lMzAKNX8hL  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-do2fKeHq6l  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_single_image image=&#8221;78848&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1736981616602{padding-right: 40px !important;}&#8221;][\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;info-productos__section-3&#8243;][vc_row][vc_column]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-pytraNgw8o {\r\n                            height: 0px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-pytraNgw8o  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; overflow=&#8221;default&#8221; el_class=&#8221;info-productos__column&#8211;section3&#8243;][vc_column width=&#8221;1\/3&#8243; overflow=&#8221;default&#8221;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-sBNM7LWU0P  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_single_image image=&#8221;78851&#8243; img_size=&#8221;full&#8221; css=&#8221;.vc_custom_1736981655653{padding-left: 40px !important;}&#8221;][\/vc_column][vc_column width=&#8221;2\/3&#8243; overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1711044972030{padding-right: 40px !important;padding-left: 40px !important;}&#8221;][vc_row_inner][vc_column_inner][vc_raw_html]JTNDZGl2JTIwY2xhc3MlM0QlMjJzdHlsaXplZC1wbGVjYV9fY29udGFpbmVyLS10aGlyZCUyMiUzRSUwQSUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUzQ2RpdiUyMGNsYXNzJTNEJTIyc3R5bGl6ZWQtcGxlY2FfX3RoaXJkJTIyJTNFUmVxdWlzaXRvcyUzQyUyRmRpdiUzRSUwQSUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUzQyUyRmRpdiUzRQ==[\/vc_raw_html][\/vc_column_inner][\/vc_row_inner]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-0B57ZNGcuy  \" style=\"height: 132px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_row_inner][vc_column_inner]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-cDnTNwiv1V  \" style=\"height: 42px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_custom_heading text=&#8221;Del solicitante:&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_class=&#8221;h-decoration-unset&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-1tshve9TBK  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-9599e0d5abc4 vc_custom_1766434267086 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434267079\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-id  biw-icon-9599e0d5abc4 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-9599e0d5abc4 \">Fotocopia de DPI (completa).\u00a0Vigente.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-rZdfa3y81u  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-zecQS0bMfx  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-bb3c7c99658e vc_custom_1735928824741 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735928824734\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-usuario-id  biw-icon-bb3c7c99658e \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-bb3c7c99658e \">Fotocopia del carn\u00e9 del NIT.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-NcRybkOioS  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-2M1709yzra  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-bc2d02c19699 vc_custom_1766434287994 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434287988\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-maletin  biw-icon-bc2d02c19699 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-bc2d02c19699 \">Constancia de ingresos original, emitida en papel membretado y sellada de la empresa para la cual labora, no mayor a 4 meses de emitida.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-iSaecy5GlA  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-ZlYt7zVbpr  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-844086f3f304 vc_custom_1766434275038 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434275032\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-agenda-efectivo  biw-icon-844086f3f304 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-844086f3f304 \">Estados de cuenta bancarios de los \u00faltimos 3 meses, firmados y sellados. (Si maneja cuentas con otros bancos).<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-iVKdUSLftO  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-noNYjR1Els  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-f65fde6d99dd vc_custom_1766425207039 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766425207036\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-luz-documento  biw-icon-f65fde6d99dd \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-f65fde6d99dd \">Fotocopia de recibo de servicios (agua, luz o tel\u00e9fono).<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-kTSivh5FjB  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-FXSR7bMmHq  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-9ecf7038d1c4 vc_custom_1735929215328 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735929215322\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-agenda-aceptar  biw-icon-9ecf7038d1c4 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-9ecf7038d1c4 \">Deber\u00e1 de tener cuenta Activa en Bi.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-DflzJ69g1r  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-xnBqwOL1Ul  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-56e39fce56b6 vc_custom_1766425225432 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766425225427\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-tienda  biw-icon-56e39fce56b6 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-56e39fce56b6 \">Si el cliente posee negocio propio debe proporcionar copia de la patente de comercio y la constancia.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-ro76sUu1AV  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-cuE3e6mfyV  \" style=\"height: 42px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_custom_heading text=&#8221;De la garant\u00eda:&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_class=&#8221;h-decoration-unset&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-mE31LrX69s  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-3f083c698771 vc_custom_1735929359414 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735929359412\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-casa-buscar  biw-icon-3f083c698771 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-3f083c698771 \">Aval\u00fao reciente del inmueble, realizado por una de las empresas autorizadas por Banco Industrial, S.A.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-aIqWg2NbCZ  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-BcxOwNu08L  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][\/vc_section][vc_section el_class=&#8221;info-productos__section-4&#8243;][vc_row][vc_column]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-u1dbfQn5Ro {\r\n                            height: 0px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-u1dbfQn5Ro  \" style=\"height: 32px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row_content&#8221; overflow=&#8221;default&#8221; el_class=&#8221;info-productos__column&#8211;section4&#8243;][vc_column width=&#8221;2\/3&#8243; overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1711037327046{margin-bottom: 30px !important;padding-left: 55px !important;}&#8221; el_class=&#8221;info-productos__card&#8211;shadow&#8221;][vc_raw_html css=&#8221;.vc_custom_1711034227925{margin-bottom: 20px !important;}&#8221;]JTNDZGl2JTIwY2xhc3MlM0QlMjJzdHlsaXplZC1wbGVjYV9fY29udGFpbmVyLS1mb3VydGglMjIlM0UlMEElMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlMjAlM0NkaXYlMjBjbGFzcyUzRCUyMnN0eWxpemVkLXBsZWNhX19mb3VydGglMjIlM0VQb2wlQzMlQUR0aWNhcyUzQyUyRmRpdiUzRSUwQSUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUyMCUzQyUyRmRpdiUzRQ==[\/vc_raw_html]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-NrBJRvgW2c {\r\n                            height: 100px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-NrBJRvgW2c  \" style=\"height: 80px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-TgFlf6irwA  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-ca5a92966f49 vc_custom_1766434340051 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434340046\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-casa-aceptar  biw-icon-ca5a92966f49 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-ca5a92966f49 \">Hasta un 70% y casos especiales a la espera de la opini\u00f3n del Comit\u00e9 u \u00d3rgano Calificador correspondiente el 80% del aval\u00fao dependiendo de la garant\u00eda propuesta.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-kKADgd3Brt  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-eyv85tQoiL  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-5f2ef2028c31 vc_custom_1735859389641 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859389634\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-avion  biw-icon-5f2ef2028c31 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-5f2ef2028c31 \">Aplica para guatemaltecos viviendo en el extranjero.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-d6kbqQiUeJ  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-M7IikpxctH  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-0cf78e1f3698 vc_custom_1735859444542 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859444535\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-usuario  biw-icon-0cf78e1f3698 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-0cf78e1f3698 \">Aplican personas individuales y n\u00facleos familiares.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-2KUBJt0qFN  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-SCdXbaEVrD  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-06a9cde9c20b vc_custom_1735859472937 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859472933\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-ubicacion  biw-icon-06a9cde9c20b \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-06a9cde9c20b \">Aplican extranjeros viviendo en Guatemala.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-mKfdY9k08l  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-xdc6lnfwD4  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-fb3c1ad30ebb vc_custom_1735929862441 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735929862436\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-usuario-agregar  biw-icon-fb3c1ad30ebb \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-fb3c1ad30ebb \">Edad de los solicitantes para calificar de 18 a 65 a\u00f1os.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-naEykeih82  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-iVRlDa9JZ1  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-679f33532bfc vc_custom_1735859542875 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859542868\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-maletin-calendario  biw-icon-679f33532bfc \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-679f33532bfc \">Estabilidad laboral m\u00ednima de un a\u00f1o.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-u5K0mpQrNd  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-OfrgdeRky4  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-87e804d27524 vc_custom_1735859261658 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859261651\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-seguro-aceptar  biw-icon-87e804d27524 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-87e804d27524 \">Seguro contra incendio 0.35% sobre el valor de la construcci\u00f3n.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-SkUIMni7xH  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-I9u1a6wKMN  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-9582b732dd07 vc_custom_1766434352080 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1766434352075\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-usuario-documento  biw-icon-9582b732dd07 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-9582b732dd07 \">La persona solicitante del pr\u00e9stamo debe ser el propietario del inmueble a hipotecar. Caso contrario al momento de la legalizaci\u00f3n del contrato de cr\u00e9dito, firmar\u00e1 de autorizaci\u00f3n para ceder el bien en garant\u00eda.\u00a0 En caso de que el solicitante del cr\u00e9dito no sea propietario, deber\u00e1 presentar una carta de autorizaci\u00f3n.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-2VCpHN4DKF  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][vc_column_inner width=&#8221;1\/3&#8243;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-hUmKofA5BC  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        <div class=\"bi-icons-widget  biw-5ae545bb8564 vc_custom_1735859595146 \" style=\"text-align:left; display:flex; flex-direction:row; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container vc_custom_1735859595138\" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-casa-ubicacion  biw-icon-5ae545bb8564 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-5ae545bb8564 \">Solo pueden hipotecarse inmuebles que se encuentren dentro del territorio de Guatemala.<\/div><\/div><\/div>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-DNygMtVlF4  \" style=\"height: 16px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner]\r\n                            <style media=\"screen\">\r\n                    @media (max-width: 1025px) {\r\n                        .sh-empty-space-gfpH9svMqT {\r\n                            height: 0px!important;\r\n                        }\r\n                    }\r\n                <\/style>\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-gfpH9svMqT  \" style=\"height: 52px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column][vc_column width=&#8221;1\/3&#8243; 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overflow=&#8221;default&#8221;][vc_column width=&#8221;1\/2&#8243; overflow=&#8221;default&#8221; el_class=&#8221;rounded-br-6xl rounded-tl-6xl bg-optimista&#8221;][vc_row_inner overflow=&#8221;default&#8221;][vc_column_inner overflow=&#8221;default&#8221;]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-YDnfoGesNr  \" style=\"height: 24px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [vc_raw_html css=&#8221;.vc_custom_1712097945817{padding-right: 15px !important;padding-left: 15px !important;}&#8221; el_class=&#8221;txc-experto&#8221;]JTNDaDIlMjBjbGFzcyUzRCUyMmgtZGVjb3JhdGlvbi11bnNldCUyMiUzRUNvbnRhY3RvJTNDJTJGaDIlM0U=[\/vc_raw_html]\r\n            \r\n            <div class=\"sh-empty-space vc_empty_space sh-empty-space-jsIf40xZOT  \" style=\"height: 24px\">\r\n                <span class=\"vc_empty_space_inner\"><\/span>\r\n            <\/div>\r\n\r\n        [\/vc_column_inner][\/vc_row_inner][vc_row_inner overflow=&#8221;default&#8221; 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