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color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e4d43172094520849086-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                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e4d43172094520849086-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-namespace69e4d43172094520849086-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e4d43172094520849086-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e4d43172094520849086-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e4d43172094520849086-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); 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            CONFERENCIA          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo funciona el financiamiento de im\u00f3veis?<\/h2>\n\n\n\n<p>En t\u00e9rminos simples, el camino m\u00e1s com\u00fan es una hipoteca bancaria con taxa fixa. <\/p>\n\n\n\n<p>Esta modalidad de previsibilidad de la parcela facilita el planeamiento de su flujo de caja. Adem\u00e1s, quem trabalha formalmente no pa\u00eds pode acessar l\u00edneas p\u00fablicas como Infonavit (trabalhadores do setor privado) y Fovissste (servidor p\u00fablico). <\/p>\n\n\n\n<p>Tambi\u00e9n existen cofinanciamientos, como el Cofinavit, que combinan banco + instituto para reducir la entrada y, a veces, baratear la mensalidad.<\/p>\n\n\n\n<p>Para organizar o racioc\u00ednio, pense nesta ordem:<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Defina su or\u00e7amento ea parcela-alvo.<\/strong><\/li>\n\n\n\n<li><strong>Simular<\/strong> como propuestas de <strong>3\u20135 bancos<\/strong> e guarde os dados de <strong>CAT, taxones, prazo, entrada, seguros y comisiones<\/strong>.<\/li>\n\n\n\n<li><strong>Se para eleg\u00edvel<\/strong>, <strong>simular<\/strong> tambi\u00e9n <strong>Infonavit<\/strong>, <strong>Fovissste<\/strong> mi <strong>Cofinavit<\/strong>.<\/li>\n\n\n\n<li><strong>Comparar lado a lado<\/strong> y decidi\u00f3 pelo <strong>GATO<\/strong> y pelas <strong>condiciones<\/strong> (prepago, portabilidade, custos de abertura).<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">O que \u00e9 hipoteca y por que o CAT manda no jogo<\/h2>\n\n\n\n<p>Para comenzar, vale la pena recordar dos conceptos que van a guiar toda su decisi\u00f3n:<\/p>\n\n\n\n<p><strong>Hipoteca<\/strong> \u00e9 o cr\u00e9dito que voc\u00ea contrata, normalmente em <strong>pesos mexicanos<\/strong>, usando o <strong>im\u00f3vel como garantia<\/strong>. Na pr\u00e1tica, voc\u00ea paga parcelas mensais (con juros y seguros) por un per\u00edodo definido, eo bem fica hipotecado at\u00e9 a quita\u00e7\u00e3o.<\/p>\n\n\n\n<p><strong>CAT (Costo Anual Total)<\/strong> \u00e9 a r\u00e9gua mais honesta para comparar propuestas. \u00bfPor qu\u00e9? Porque el gato <strong>incluidos juros, seguros y comisiones<\/strong>, ofreciendo o <strong>custo efectivo<\/strong> hacer cr\u00e9dito. <\/p>\n\n\n\n<p>Portanto, para analizar ofertas de diferentes bancos, <strong>comparar CAT con CAT<\/strong>, no es s\u00f3lo un \u201ctax desde\u2026\u201d. Muchas veces, uma taxa aparentemente mais baixa vem acompa\u00f1ada de seguros o comisiones que elevan el costo total. Logotipo del CAT \u201cconta a verdade\u201d.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tipos de financiamento - Afinal, o que existe na pr\u00e1tica <\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Hipoteca bancaria <\/h3>\n\n\n\n<p><strong>Para quem serve:<\/strong> fam\u00edlias e investidores em geral \u2014 inclusive estrangeiros com residencia v\u00e1lida.<br><strong>Como funciona:<\/strong> o banco analisa sua <strong>renda<\/strong>, tu <strong>hist\u00f3rico de cr\u00e9dito<\/strong>, o <strong>aval\u00fao<\/strong> (avalia\u00e7\u00e3o) do im\u00f3vel e, ent\u00e3o, apresenta <strong>taxones, CAT, prazo<\/strong> mi <strong>seguros<\/strong> (vida y da\u00f1os).<br><strong>Ventajas:<\/strong> previsibilidade (sobretudo na <strong>taxones fijos<\/strong>), amplia concordancia entre bancos y posibilidades de <strong>portabilidad<\/strong> (mudar su hipoteca para otro banco no futuro, se houver proposta melhor).<br><strong>Ponto de aten\u00e7\u00e3o:<\/strong> al\u00e9m da taxa, olhe <strong>seguros e comissions<\/strong>, pois influenciam o <strong>GATO<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Infonavit (sector privado)<\/h3>\n\n\n\n<p><strong>Para quem \u00e9:<\/strong> trabajadores del sector privado con contribuciones activas.<br><strong>Por que considerar:<\/strong> en muchos casos, <strong>reducir la entrada<\/strong>, <strong>facilita la aprobaci\u00f3n<\/strong> e oferece prazos alinhados ao perfil de renda.<br><strong>Modalidades comunes:<\/strong> comprar novo\/usado, construir no propio terreno, reformar.<br><strong>Como decidir:<\/strong> hace su <strong>precalificaci\u00f3n<\/strong> no site, entenda seu limite e <strong>comparar<\/strong> com os bancos \u2014 especialmente a modalidade <strong>Cofinavit<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Fovissste (servidor p\u00fablico)<\/h3>\n\n\n\n<p><strong>O que \u00e9:<\/strong> voc\u00ea combina recursos de um <strong>banco<\/strong> con o <strong>Infonavit<\/strong> UNED <strong>Fovissste<\/strong>.<br><strong>Vantagem pr\u00e1tica:<\/strong> aumentar o poder de compra, <strong>reduciendo la entrada<\/strong> e\/t\u00fa <strong>mensalidade<\/strong>.<br><strong>Quando olhar com carinho:<\/strong> renda est\u00e1vel, contribuci\u00f3n activa al instituto e inter\u00e9s en preservar la caixa.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Cofinavit (banco + Infonavit)<\/h3>\n\n\n\n<p><strong>O que \u00e9:<\/strong> combinaci\u00f3n de <strong>Recursos del Infonavit<\/strong> con <strong>cr\u00e9dito del banco<\/strong>.<br><strong>Vantagem pr\u00e1tica:<\/strong> <strong>aumenta poder de compra<\/strong>, puede <strong>reducir la entrada<\/strong> e, muchas veces, <strong>mejor parcela<\/strong>.<br><strong>Quando olhar com carinho:<\/strong> Se voc\u00ea tem contribui\u00e7\u00f5es ativas e quer preservar <strong>caja<\/strong> no corto prazo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Parcelamento directo con incorporador (cuando existe)<\/h3>\n\n\n\n<p><strong>O que \u00e9:<\/strong> o desenvolvedor permite <strong>pagar en parcelas<\/strong> Durante una obra y, en algunos casos, por un breve per\u00edodo despu\u00e9s de la entrega.<br><strong>Atenci\u00f3n:<\/strong> <strong>n\u00e3o \u00e9 hipoteca banc\u00e1ria<\/strong>; generalmente tienen <strong>prazos menores<\/strong>, <strong>entrada mayor<\/strong> e pode sair mais caro. Sirva como \u201cponte\u201d para casos espec\u00edficos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Bancos confi\u00e1veis: por onde come\u00e7ar a cotar<\/h2>\n\n\n\n<p>Para iniciar, tenga en cuenta los bancos con presencia nacional y oferta robusta de hipotecas. En general, BBVA, Banorte, Santander, HSBC y Scotiabank disponen de simuladores, informaci\u00f3n clara sobre impuestos, CAT, seguros y condiciones de portabilidad. Embora as \u201ctaxas desde\u2026\u201d sejam chamativas, lembre-se: o que decide mesmo \u00e9 o CAT ea mensalidade final comparada ao su or\u00e7amento.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Como usar esa lista a tu favor<\/h3>\n\n\n\n<ul>\n<li>Entre nos sites dos bancos, <strong>Baixe as Fichas<\/strong> mi <strong>anote los n\u00fameros<\/strong> sempre no mesmo formato: <strong>CAT, taxones, prazo, LTV (porcentual financiado), seguros, comisiones, aval\u00fao<\/strong>.<\/li>\n\n\n\n<li>Entonces, <strong>leve tudo ao simulador<\/strong> (p\u00fablico) para <strong>comparar mensalidade y custo total<\/strong>.<\/li>\n\n\n\n<li>Se sobrar d\u00favida o faltar tempo, converse com um <strong>corredor hipotecario<\/strong> de confian\u00e7a para decidir.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Documentaci\u00f3n necesaria: lista de verificaci\u00f3n para acelerar su aprobaci\u00f3n<\/h2>\n\n\n\n<p>Es com\u00fan que cada banco tenga peque\u00f1os ajustes, por\u00e9m o <strong>n\u00facleo<\/strong> costuma ser este:<\/p>\n\n\n\n<ul>\n<li><strong>Identifica\u00e7\u00e3o oficial<\/strong> (INE o pasaporte).<\/li>\n\n\n\n<li><strong>Comprovante de domic\u00edlio<\/strong> reciente (\u00e1gua, luz, gas o tel\u00e9fono).<\/li>\n\n\n\n<li><strong>Comprovantes de renda<\/strong>: recibos de n\u00f3mina e\/ou <strong>estados de cuenta<\/strong>; se para aut\u00f3nomo, <strong>declara\u00e7\u00f5es de impostos<\/strong>.<\/li>\n\n\n\n<li><strong>CURP y RFC<\/strong> (cuando se aplica).<\/li>\n\n\n\n<li><strong>Autorizaci\u00f3n<\/strong> para consulta ao <strong>Bur\u00f3 de Cr\u00e9dito<\/strong> + <strong>solicita\u00e7\u00e3o de cr\u00e9dito<\/strong> pre\u00e9nquidos.<\/li>\n\n\n\n<li><strong>Aval\u00fao do im\u00f3vel<\/strong> (siguiendo a pol\u00edtica del banco).<\/li>\n<\/ul>\n\n\n\n<p><strong>Dica pr\u00e1tica:<\/strong> llora una pasta digital com <strong>PDF actualizados<\/strong> de todos los documentos. Al\u00e9m de acelerar a an\u00e1lise, voc\u00ea reduz idas e vindas e pode, inclusive, negociar melhor <strong>prazos<\/strong> mi <strong>custodio<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Taxas de juros: como interpretar para n\u00e3o cair em armadilhas<\/h2>\n\n\n\n<p>Agora que voc\u00ea domina a import\u00e2ncia do <strong>GATO<\/strong>, vamos a un roteiro simple para ler \u201ctaxas de vitrine\u201d con sentido cr\u00edtico:<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Taxa n\u00e3o \u00e9 tudo.<\/strong> Mesmo quando a taxa fixa parece \u00f3tima, <strong>verificar los seguros<\/strong> obrigat\u00f3rios (vida e danos) e as <strong>comisiones<\/strong> (de abertura, administraci\u00f3n, etc.).<\/li>\n\n\n\n<li><strong>CAT es comparativo.<\/strong> Se dos bancos exibem taxas similares, mas <strong>GATO<\/strong> diferente, una propuesta com <strong>Gato menor<\/strong> tender un ser <strong>m\u00e1s barato<\/strong> no fim do contrato.<\/li>\n\n\n\n<li><strong>Prazos importam.<\/strong> Un momento mayor <strong>parcela diminuta<\/strong>, m\u00e1s <strong>aumenta o custo total<\/strong>. Por lo tanto, procurar o <strong>ponto de equil\u00edbrio<\/strong> entre conforto mensal e custo de longo prazo.<\/li>\n\n\n\n<li><strong>LTV y entrada.<\/strong> En general, los bancos financieros est\u00e1n ah\u00ed. <strong>80%<\/strong> (LTV80%). Se o seu perfil comportar <strong>Cofinavit<\/strong> ou otra combinaci\u00f3n, voc\u00ea pode <strong>reducir la entrada<\/strong> \u2014 o que ayuda quem quer preservar caixa.<\/li>\n\n\n\n<li><strong>Portabilidade e prepago.<\/strong> Prefira propuestas com <strong>pago anticipado sin multa<\/strong> mi <strong>portabilidad<\/strong>. Isso deixa su hipoteca \u201cviva\u201d, ou seja, <strong>ajustable<\/strong> caso apare\u00e7a uma oferta melhor l\u00e1 na frente<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Comprar con seguridad: o passo a passo que evita dor de cabe\u00e7a<\/h2>\n\n\n\n<p>Para transformar la intenci\u00f3n en chaves na m\u00e3o, siga esta trilha:<\/p>\n\n\n\n<ol start=\"1\">\n<li><strong>Or\u00e7amento e parcela-alvo<\/strong><br>Antes de todo, define a <strong>parcela que cabe no seu bolso<\/strong> sem estresse, considerando sus despesas fijas. Depois, use-a como <strong>norte<\/strong> durante las simulaciones.<\/li>\n\n\n\n<li><strong>Compara\u00e7\u00e3o no simulador<\/strong><br>Reuni\u00f3n <strong>3\u20135 propuestas<\/strong> banc\u00e1rias e, se for eleg\u00edvel, <strong>Infonavit\/Fovissste\/Cofinavit<\/strong>. Entonces, compare todo no <strong>simulador de cr\u00e9dito hipotecario<\/strong>. Assim, voc\u00ea v\u00ea <strong>mensalidade<\/strong>, <strong>GATO<\/strong> mi <strong>total del cliente<\/strong>, lado a lado.<\/li>\n\n\n\n<li><strong>Escuela del barrio y tipolog\u00eda<\/strong><br>Olhe <strong>transporte<\/strong>, <strong>servicios<\/strong>, <strong>empleos<\/strong> pr\u00f3ximo e <strong>seguridad<\/strong>. Se el objetivo para <strong>alugar<\/strong>, analizar o <strong>perfil del inquilino<\/strong> da regi\u00e3o (familias, estudiantes, profesionales) eo <strong>aluguel por tipologia<\/strong> (est\u00fadio, 1 ou 2 quartos).<\/li>\n\n\n\n<li><strong>Not\u00e1rio desde o come\u00e7o<\/strong><br>Oh <strong>notario<\/strong> formalizar una <strong>escritura<\/strong> y hace o <strong>registro en RPP<\/strong>. Portanto, pe\u00e7a logo o <strong>desglose de custos<\/strong> (ISAI, derechos de registro y honorarios) <strong>antes de asesinar a qualquer coisa<\/strong>.<\/li>\n\n\n\n<li><strong>Imobili\u00e1ria y contrato de adquisici\u00f3n<\/strong><br>Caso voc\u00ea use mobili\u00e1ria, verifique se o <strong>contrato de ades\u00e3o<\/strong> est\u00e1 <strong>registrado<\/strong> nos \u00f3rg\u00e3os de defensa del consumidor. Isso protege sus derechos y abusos previos.<\/li>\n\n\n\n<li><strong>Debida diligencia del inmueble<\/strong><br>Confirma <strong>grav\u00e1menes<\/strong>, impostos (predial e \u00e1gua), <strong>regulamento do condom\u00ednio<\/strong> (se para apartamento) eo <strong>aval\u00fao<\/strong>. Si algo parece confuso, pe\u00e7a ajuda ao not\u00e1rio e, se necess\u00e1rio, a um advogado mobili\u00e1rio.<\/li>\n\n\n\n<li><strong>Fechamento inteligente<\/strong><br>No fim, <strong>feche pelo CAT y pelas condiciones<\/strong> (prepago, portabilidade, custos de abertura). As\u00ed, evitar\u00e1s caer en la seducci\u00f3n de \u201ctaxas desde\u2026\u201d con un gusto total m\u00e1s alto.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Ir sozinho ou com ajuda: \u00bfo que rende mais tranquilidade?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Por cuenta propia (perfil simple)<\/h3>\n\n\n\n<p>Se voc\u00ea tem <strong>renda est\u00e1vel<\/strong>, tempo para cotar, perfil \u201creta\u201d y est\u00e1 confortable con hipoteca fija tradicional, \u00e9 totalmente pos\u00edvel <strong>ir sozinho<\/strong>. No entanto, <strong>mantenha o not\u00e1rio do su lado<\/strong> desde el inicio para evitar riesgos.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Com evaluador hipotec\u00e1rio (casos com matices)<\/h3>\n\n\n\n<p>Se voc\u00ea tem <strong>m\u00faltiplas fontes de renda<\/strong>, quer <strong>Cofinavit<\/strong>, planeja <strong>portabilidad<\/strong> t\u00fa, simplemente, <strong>no tiene tiempo<\/strong> de comparar banco por banco, um <strong>corredor<\/strong> (asesor) costuma <strong>agilizar<\/strong> o processo, ajudar a <strong>igualar seguros y comisiones<\/strong> e, muchas veces, <strong>abrir portas<\/strong> que seriam mais demoradas sozinho. A dica \u00e9 escolher <strong>certificado profesional<\/strong> y pedir <strong>transparencia<\/strong> nas condi\u00e7\u00f5es.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Com mobili\u00e1ria (compra complexa)<\/h3>\n\n\n\n<p>Paraca <strong>prevenir<\/strong>, im\u00f3veis.com <strong>documentaci\u00f3n sensible<\/strong> ou quando voc\u00ea deseja <strong>curador\u00eda de barrio<\/strong> e aux\u00edlio nos pap\u00e9is, una mobili\u00e1ria pode ser una parceira ideal. Exija <strong>contrato de adhesi\u00f3n registrado<\/strong> e alinhe, por escrito, <strong>honorarios y responsabilidades<\/strong>.<\/p>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-1YPuYV\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><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\" style=\"color: white;\" 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                        \u00bfCu\u00e1l es una mejor hipoteca en M\u00e9xico?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        A que tem CAT mais baixo e condi\u00e7\u00f5es alinhadas ao seu fluxo (prepago sem multa, portabilidade, prazos coerentes)                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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\u00e1nto de entrada devo planejar?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Como referencia, ~20% do valor. Em cofinanciamentos (como o Cofinavit), pode ser poss\u00edvel reduzir a entrada.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        Infonavit e Fovissste valem a pena?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Se voc\u00ea \u00e9 eleg\u00edvel, simule sempre. Muitas veces, as condi\u00e7\u00f5es e prazos encaixam melhor no or\u00e7amento familiar.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        \u00bfEn cu\u00e1nto tiempo dijo la aprobaci\u00f3n de una escritura?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Depende del banco y de su documentaci\u00f3n. A pr\u00e9-an\u00e1lise pode levar de 1 a 3 d\u00edas \u00fateis; o aval\u00fao costuma sair em 3 a 7 d\u00edas; e escritura + registro podem levar de 2 a 6 semanas, conforme agenda do not\u00e1rio e do RPP. Tenha os documentos prontos para acelerar.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        \u00bfQu\u00e9 es la portabilidad de la hipoteca y cu\u00e1ndo vale usar?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        \u00c9 transferir su hipoteca a otro banco con mejores condiciones (taxa\/CAT). Vale quando a economia de juros e seguros compensa os custos de mudan\u00e7a (comiss\u00f5es, avalia\u00e7\u00e3o, not\u00e1rio). Regra de bolso: simule o payback desse custo e s\u00f3 troque se o ganho for claro                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        \u00bfPosso quitar anticipadamente? \u00bfTem multa?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Muchos bancos permiten prepago parcial o total; outros cobram penalidade dependendo do contrato e do prazo. Para comparar ofertas, prefira una hipoteca con prepago sin multa: hay flexibilidad para reducir el saldo cuando ingresa a un bono, 13\u00ba o una renta adicional.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        Sou aut\u00f4nomo ou tenho \u201cm\u00faltiplas entradas\u201d. \u00bfConsigo financiero?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Sim, mas o banco pedir\u00e1 provas de renda mais detalhadas (declara\u00e7\u00f5es fiscais, estados de cuenta, contratos\/recibos). En general, an\u00e1lisis medio de 6 a 12 meses. Um br\u00f3ker hipotecario ayuda a posicionar su caso ea escolher o banco mais receptivo a ese perfil.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" 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                        Quais custodios al\u00e9m da entrada devo considerar no fechamento?                    <\/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\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Incluye ISAI (imposto de adquisici\u00f3n), honor\u00e1rios do not\u00e1rio, taxas do RPP (registro), aval\u00fao, comisiones do banco (abertura\/administrativas) y seguros (vida e danos). Se for apartamento, some condom\u00ednio pro-rata e poss\u00edveis fundos de reserva. Estos elementos impactan su dise\u00f1o inicial en el CAT.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\">Conclusi\u00f3n: hipoteca M\u00e9xico sin misterio \u2014 comparar, confirmar y feche<\/h2>\n\n\n\n<p>Invertir en un negocio en M\u00e9xico no necesita ser complicado. Cuando voc\u00ea entendes <strong>qual \u00e9 o objetivo<\/strong>, escolhe <strong>barrios con demanda real<\/strong> y comparar <strong>3 a 5 propuestas para CAT<\/strong>, todo fica mais claro: voc\u00ea enxerga a parcela que cabe no bolso, os custos de entrada eo retorno poss\u00edvel sem sobrepresas. <\/p>\n\n\n\n<p>Algunos a isso uma <strong>reserva en pesos<\/strong> e um <strong>not\u00e1rio de confian\u00e7a<\/strong>, y usted reduce los riesgos que afastam muitos inversores.<\/p>\n\n\n\n<p>Com <strong>CAT como b\u00fassola<\/strong>, <strong>simula\u00e7\u00f5es em 3\u20135 bancos<\/strong>, <strong>Infonavit\/Fovissste\/Cofinavit<\/strong> quando fizer sentido e <strong>not\u00e1rio desde o come\u00e7o<\/strong>, voc\u00ea transform um plano em <strong>chaves na m\u00e3o<\/strong> com seguran\u00e7a. Y m\u00e1s: escolhendo <strong>pelo custo total<\/strong> (e n\u00e3o s\u00f3 pela \u201ctaxa desde\u2026\u201d), voc\u00ea protege tu bolso no longo prazo.<\/p>\n\n\n\n<p>Desde el pr\u00f3ximo paso hoy: escolha dois bairros, simule tr\u00eas cr\u00e9ditos y fa\u00e7a a sua planilha de cap rate. Con n\u00fameros en la mano y un plano claro, usted transforma la intenci\u00f3n en negocio \u2014 y negocio en patrimonio.<\/p>","protected":false},"excerpt":{"rendered":"<p>Buscando financiamento de im\u00f3vel no M\u00e9xico? Este guia explica, em apenas 10 minutos, tipos de cr\u00e9dito hipotec\u00e1rio, documentos, taxas de juros e riscos de c\u00e2mbio. No fim, h\u00e1 um passo a passo pr\u00e1tico para decidir com seguran\u00e7a. Como funciona o financiamento de im\u00f3veis? Em termos simples, o caminho mais comum \u00e9 a hipoteca banc\u00e1ria com [&hellip;]<\/p>","protected":false},"author":238,"featured_media":588,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[11,12],"tags":[25,23,13,27,9,24,22],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - 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