{"id":48122,"date":"2026-04-09T14:53:11","date_gmt":"2026-04-09T19:53:11","guid":{"rendered":"https:\/\/rtc.pe\/blog\/?p=48122"},"modified":"2026-04-09T14:53:11","modified_gmt":"2026-04-09T19:53:11","slug":"tasa-prestamo-con-garantia-hipotecaria-peru","status":"publish","type":"post","link":"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru","title":{"rendered":"Tasa de pr\u00e9stamo con garant\u00eda hipotecaria en Per\u00fa: desde 0.99% mensual"},"content":{"rendered":"<p data-start=\"675\" data-end=\"752\">Si est\u00e1s evaluando un financiamiento, hay una pregunta clave que define todo:<\/p>\n<p data-start=\"754\" data-end=\"849\">\ud83d\udc49 <strong data-start=\"757\" data-end=\"849\">\u00bfCu\u00e1l es la tasa de un pr\u00e9stamo con garant\u00eda hipotecaria y cu\u00e1nto voy a pagar realmente?<\/strong><\/p>\n<p data-start=\"851\" data-end=\"998\">En Per\u00fa, puedes acceder a una <strong data-start=\"881\" data-end=\"946\">tasa pr\u00e9stamo con garant\u00eda hipotecaria desde 0.99% mensual<\/strong>, pero no todos los casos tienen la misma condici\u00f3n.<\/p>\n<p data-start=\"1000\" data-end=\"1069\">\ud83d\udc49 La tasa depende de tu propiedad, tu perfil y el tipo de operaci\u00f3n.<\/p>\n<p data-start=\"1071\" data-end=\"1149\">\ud83d\udc49 <a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\"><strong data-start=\"1074\" data-end=\"1130\">Descubre tu tasa personalizada en menos de 2 minutos<\/strong><\/a>.<\/p>\n<p data-start=\"1071\" data-end=\"1149\"><iframe title=\"YouTube video player\" data-src=\"\/\/www.youtube.com\/embed\/4c6ur_7PykU?si=DuXzli7IqOFd6yMB\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFQue_significa_una_tasa_desde_099_en_un_prestamo_con_garantia_hipotecaria\" >\u00bfQu\u00e9 significa una tasa desde 0.99% en un pr\u00e9stamo con garant\u00eda hipotecaria?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFComo_se_calcula_la_tasa_prestamo_con_garantia_hipotecaria\" >\u00bfC\u00f3mo se calcula la tasa pr\u00e9stamo con garant\u00eda hipotecaria?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Factores_que_influyen_en_la_tasa_de_prestamo_con_garantia_hipotecaria\" >Factores que influyen en la tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%F0%9F%8F%A0_Valor_del_inmueble\" >\ud83c\udfe0 Valor del inmueble<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%F0%9F%93%8D_Ubicacion\" >\ud83d\udccd Ubicaci\u00f3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%F0%9F%92%BC_Perfil_financiero\" >\ud83d\udcbc Perfil financiero<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%F0%9F%8E%AF_Uso_del_dinero\" >\ud83c\udfaf Uso del dinero<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFPor_que_la_tasa_de_prestamo_con_garantia_hipotecaria_es_mas_baja\" >\u00bfPor qu\u00e9 la tasa de pr\u00e9stamo con garant\u00eda hipotecaria es m\u00e1s baja?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Comparacion_de_tasas_en_Peru_2026\" >Comparaci\u00f3n de tasas en Per\u00fa (2026)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFLa_tasa_es_lo_unico_que_debes_evaluar\" >\u00bfLa tasa es lo \u00fanico que debes evaluar?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Lo_que_realmente_busca_alguien_que_compara_tasas\" >Lo que realmente busca alguien que compara tasas<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Casos_reales_nuevos_escenarios\" >Casos reales (nuevos escenarios)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFCuanto_podrias_pagar_realmente\" >\u00bfCu\u00e1nto podr\u00edas pagar realmente?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Evalua_tu_tasa_de_prestamo_con_garantia_hipotecaria_hoy\" >Eval\u00faa tu tasa de pr\u00e9stamo con garant\u00eda hipotecaria hoy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Descubre_tu_tasa_personalizada_ahora\" >Descubre tu tasa personalizada ahora<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#Preguntas_frecuentes\" >Preguntas frecuentes<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFPuedo_mejorar_mi_tasa\" >\u00bfPuedo mejorar mi tasa?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rtc.pe\/blog\/tasa-prestamo-con-garantia-hipotecaria-peru\/#%C2%BFPuedo_acceder_si_estoy_en_Infocorp\" >\u00bfPuedo acceder si estoy en Infocorp?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 data-section-id=\"1n7e98q\" data-start=\"1156\" data-end=\"1241\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_significa_una_tasa_desde_099_en_un_prestamo_con_garantia_hipotecaria\"><\/span><span style=\"color: #3366ff;\">\u00bfQu\u00e9 significa una tasa desde 0.99% en un pr\u00e9stamo con garant\u00eda hipotecaria?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1243\" data-end=\"1368\">Cuando ves una <a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria desde 0.99% mensual<\/a>, significa que es una tasa base referencial.<\/p><div class=\"rebaj-middle-posts-especificos rebaj-entity-placement\" id=\"rebaj-2745603781\"><div id=\"rebaj-1517222605\" style=\"margin-left: auto;margin-right: auto;text-align: center;\"><a data-no-instant=\"1\" href=\"https:\/\/rtc.pe\/formulario?utm_source=blog&#038;utm_medium=site&#038;utm_campaign=formulario_blog\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"Pr\u00e9stamos hipotecarios en l\u00ednea\"><img src=\"https:\/\/blogpe.rtc.pe\/pe\/blog\/wp-content\/uploads\/2020\/05\/28163807\/Pr%C3%A9stamos-hipotecarios-en-l%C3%ADnea.jpg\" alt=\"Pr\u00e9stamos hipotecarios en l\u00ednea\"  srcset=\"https:\/\/blogpe.rtc.pe\/pe\/blog\/wp-content\/uploads\/2020\/05\/28163807\/Pr%C3%A9stamos-hipotecarios-en-l%C3%ADnea.jpg 784w, https:\/\/blogpe.rtc.pe\/pe\/blog\/wp-content\/uploads\/2020\/05\/28163807\/Pr%C3%A9stamos-hipotecarios-en-l%C3%ADnea-300x113.jpg 300w, https:\/\/blogpe.rtc.pe\/pe\/blog\/wp-content\/uploads\/2020\/05\/28163807\/Pr%C3%A9stamos-hipotecarios-en-l%C3%ADnea-768x289.jpg 768w, https:\/\/blogpe.rtc.pe\/pe\/blog\/wp-content\/uploads\/2020\/05\/28163807\/Pr%C3%A9stamos-hipotecarios-en-l%C3%ADnea-610x230.jpg 610w\" sizes=\"(max-width: 784px) 100vw, 784px\" class=\"no-lazyload\" width=\"784\" height=\"295\"  style=\"display: inline-block;\" \/><\/a><\/div><\/div>\n<p data-start=\"1370\" data-end=\"1387\">No es autom\u00e1tica. Cada <strong data-start=\"1394\" data-end=\"1439\">tasa pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> se define seg\u00fan una evaluaci\u00f3n t\u00e9cnica del caso.<\/p>\n<p data-start=\"1490\" data-end=\"1555\">\ud83d\udc49 Es importante entender que no todos califican a la misma tasa.<\/p>\n<h2 data-section-id=\"fv4r32\" data-start=\"1562\" data-end=\"1633\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_se_calcula_la_tasa_prestamo_con_garantia_hipotecaria\"><\/span><span style=\"color: #3366ff;\">\u00bfC\u00f3mo se calcula la tasa pr\u00e9stamo con garant\u00eda hipotecaria?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"1635\" data-end=\"1707\">La <strong data-start=\"1638\" data-end=\"1683\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> se determina evaluando:<\/p>\n<ul data-start=\"1709\" data-end=\"1850\">\n<li data-section-id=\"v0gqgi\" data-start=\"1709\" data-end=\"1731\">Valor del inmueble.<\/li>\n<li data-section-id=\"1cfe6yn\" data-start=\"1732\" data-end=\"1761\">Ubicaci\u00f3n de la propiedad.<\/li>\n<li data-section-id=\"ca2w0w\" data-start=\"1762\" data-end=\"1797\">Nivel de riesgo del solicitante.<\/li>\n<li data-section-id=\"1nhncko\" data-start=\"1798\" data-end=\"1819\">Capacidad de pago.<\/li>\n<li data-section-id=\"vlgryy\" data-start=\"1820\" data-end=\"1850\">Destino del financiamiento.<\/li>\n<\/ul>\n<p data-start=\"1852\" data-end=\"1940\">\ud83d\udc49 Por eso, cada <strong data-start=\"1869\" data-end=\"1922\">tasa pr\u00e9stamo con garant\u00eda hipotecaria en Per\u00fa<\/strong> es personalizada.<\/p>\n<p data-start=\"1852\" data-end=\"1940\"><iframe title=\"YouTube video player\" data-src=\"\/\/www.youtube.com\/embed\/olgw1lycvpU?si=LHFWM2LwVPKUa1MB\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<h2 data-section-id=\"7uqlan\" data-start=\"1947\" data-end=\"2022\"><span class=\"ez-toc-section\" id=\"Factores_que_influyen_en_la_tasa_de_prestamo_con_garantia_hipotecaria\"><\/span><span style=\"color: #3366ff;\">Factores que influyen en la tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-section-id=\"1a08o6b\" data-start=\"2024\" data-end=\"2048\"><span class=\"ez-toc-section\" id=\"%F0%9F%8F%A0_Valor_del_inmueble\"><\/span><span style=\"color: #3366ff;\">\ud83c\udfe0 Valor del inmueble<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2049\" data-end=\"2148\"><a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">Una propiedad de mayor valor reduce el riesgo<\/a> \u2192 mejor <strong data-start=\"2103\" data-end=\"2148\">tasa pr\u00e9stamo con garant\u00eda hipotecaria.<\/strong><\/p>\n<h3 data-section-id=\"17z86v2\" data-start=\"2150\" data-end=\"2165\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8D_Ubicacion\"><\/span><span style=\"color: #3366ff;\">\ud83d\udccd Ubicaci\u00f3n<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2166\" data-end=\"2227\">Zonas urbanas consolidadas suelen obtener mejores condiciones.<\/p>\n<h3 data-section-id=\"1dx00jg\" data-start=\"2229\" data-end=\"2252\"><span class=\"ez-toc-section\" id=\"%F0%9F%92%BC_Perfil_financiero\"><\/span><span style=\"color: #3366ff;\">\ud83d\udcbc Perfil financiero<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2253\" data-end=\"2357\">Influye, pero no es el \u00fanico factor en la evaluaci\u00f3n de la <strong data-start=\"2312\" data-end=\"2357\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria.<\/strong><\/p>\n<h3 data-section-id=\"14u3uuh\" data-start=\"2359\" data-end=\"2379\"><span class=\"ez-toc-section\" id=\"%F0%9F%8E%AF_Uso_del_dinero\"><\/span><span style=\"color: #3366ff;\">\ud83c\udfaf Uso del dinero<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"2380\" data-end=\"2444\"><a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">Consolidaci\u00f3n, inversi\u00f3n o liquidez<\/a> pueden afectar la evaluaci\u00f3n.<\/p>\n<h2 data-section-id=\"fkahxn\" data-start=\"2451\" data-end=\"2526\"><span class=\"ez-toc-section\" id=\"%C2%BFPor_que_la_tasa_de_prestamo_con_garantia_hipotecaria_es_mas_baja\"><\/span><span style=\"color: #3366ff;\">\u00bfPor qu\u00e9 la tasa de pr\u00e9stamo con garant\u00eda hipotecaria es m\u00e1s baja?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"2528\" data-end=\"2559\">Porque existe un respaldo real. En un <strong data-start=\"2567\" data-end=\"2604\">pr\u00e9stamo con garant\u00eda hipotecaria<\/strong>:<\/p>\n<ul data-start=\"2607\" data-end=\"2723\">\n<li data-section-id=\"80mjmk\" data-start=\"2607\" data-end=\"2639\">El inmueble reduce el riesgo.<\/li>\n<li data-section-id=\"1a81wk7\" data-start=\"2640\" data-end=\"2675\">Se puede ofrecer una mejor tasa.<\/li>\n<li data-section-id=\"yno3gj\" data-start=\"2676\" data-end=\"2723\">Se pueden estructurar cuotas m\u00e1s manejables.<\/li>\n<\/ul>\n<p data-start=\"2725\" data-end=\"2831\">\ud83d\udc49 Por eso, la <strong data-start=\"2740\" data-end=\"2785\">tasa pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> suele ser <a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">m\u00e1s competitiva que otros cr\u00e9ditos<\/a>.<\/p>\n<h2 data-section-id=\"1nuyojl\" data-start=\"2838\" data-end=\"2882\"><span class=\"ez-toc-section\" id=\"Comparacion_de_tasas_en_Peru_2026\"><\/span><span style=\"color: #3366ff;\">Comparaci\u00f3n de tasas en Per\u00fa (2026)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<div class=\"TyagGW_tableContainer\">\n<div class=\"group TyagGW_tableWrapper flex flex-col-reverse w-fit\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" style=\"width: 68.8417%;\" data-start=\"2884\" data-end=\"3176\">\n<thead data-start=\"2884\" data-end=\"2940\">\n<tr data-start=\"2884\" data-end=\"2940\">\n<th class=\"\" style=\"width: 45.7093%;\" data-start=\"2884\" data-end=\"2909\" data-col-size=\"sm\">Tipo de financiamiento<\/th>\n<th class=\"\" style=\"width: 24.3433%;\" data-start=\"2909\" data-end=\"2927\" data-col-size=\"sm\">Tasa aproximada<\/th>\n<th class=\"\" style=\"width: 28.1961%;\" data-start=\"2927\" data-end=\"2940\" data-col-size=\"sm\">Condici\u00f3n<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2996\" data-end=\"3176\">\n<tr data-start=\"2996\" data-end=\"3045\">\n<td style=\"width: 45.7093%;\" data-start=\"2996\" data-end=\"3018\" data-col-size=\"sm\">Tarjetas de cr\u00e9dito<\/td>\n<td style=\"width: 24.3433%;\" data-start=\"3018\" data-end=\"3029\" data-col-size=\"sm\">Muy alta<\/td>\n<td style=\"width: 28.1961%;\" data-start=\"3029\" data-end=\"3045\" data-col-size=\"sm\">Sin garant\u00eda<\/td>\n<\/tr>\n<tr data-start=\"3046\" data-end=\"3092\">\n<td style=\"width: 45.7093%;\" data-start=\"3046\" data-end=\"3066\" data-col-size=\"sm\">Pr\u00e9stamo personal<\/td>\n<td style=\"width: 24.3433%;\" data-start=\"3066\" data-end=\"3073\" data-col-size=\"sm\">Alta<\/td>\n<td style=\"width: 28.1961%;\" data-start=\"3073\" data-end=\"3092\" data-col-size=\"sm\">Basado en score<\/td>\n<\/tr>\n<tr data-start=\"3093\" data-end=\"3176\">\n<td style=\"width: 45.7093%;\" data-start=\"3093\" data-end=\"3129\" data-col-size=\"sm\">Pr\u00e9stamo con garant\u00eda hipotecaria<\/td>\n<td style=\"width: 24.3433%;\" data-start=\"3129\" data-end=\"3151\" data-col-size=\"sm\">Desde 0.99% mensual<\/td>\n<td style=\"width: 28.1961%;\" data-start=\"3151\" data-end=\"3176\" data-col-size=\"sm\">Respaldo inmobiliario<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<\/div>\n<p data-start=\"3178\" data-end=\"3273\">\ud83d\udc49 La <strong data-start=\"3184\" data-end=\"3229\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> destaca por equilibrio entre monto y costo.<\/p>\n<h2 data-section-id=\"1trmxu3\" data-start=\"3280\" data-end=\"3328\"><span class=\"ez-toc-section\" id=\"%C2%BFLa_tasa_es_lo_unico_que_debes_evaluar\"><\/span><span style=\"color: #3366ff;\">\u00bfLa tasa es lo \u00fanico que debes evaluar?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3330\" data-end=\"3333\">No. Al analizar una <strong data-start=\"3351\" data-end=\"3396\">tasa pr\u00e9stamo con garant\u00eda hipotecaria<\/strong>, tambi\u00e9n debes considerar:<\/p>\n<ul data-start=\"3425\" data-end=\"3504\">\n<li data-section-id=\"ovg2uh\" data-start=\"3425\" data-end=\"3442\">Cuota mensual.<\/li>\n<li data-section-id=\"w8xe74\" data-start=\"3443\" data-end=\"3452\">Plazo.<\/li>\n<li data-section-id=\"2lddby\" data-start=\"3453\" data-end=\"3480\">Monto total del cr\u00e9dito.<\/li>\n<li data-section-id=\"s19lth\" data-start=\"3481\" data-end=\"3504\">Impacto en tu flujo.<\/li>\n<\/ul>\n<p data-start=\"3506\" data-end=\"3572\">\ud83d\udc49 Una buena tasa sin estructura adecuada puede no ser suficiente.<\/p>\n<h2 data-section-id=\"1fshb\" data-start=\"3579\" data-end=\"3636\"><span class=\"ez-toc-section\" id=\"Lo_que_realmente_busca_alguien_que_compara_tasas\"><\/span><span style=\"color: #3366ff;\">Lo que realmente busca alguien que compara tasas<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"3638\" data-end=\"3662\">No buscas <a href=\"https:\/\/www.bbvaresearch.com\/publicaciones\/peru-el-bcrp-deja-sin-cambios-la-tasa-de-referencia-en-425\/\" rel=\"nofollow noopener\" target=\"_blank\">solo una tasa<\/a>. Buscas:<\/p>\n<ul data-start=\"3673\" data-end=\"3767\">\n<li data-section-id=\"eq1fwk\" data-start=\"3673\" data-end=\"3703\">Reducir presi\u00f3n financiera<\/li>\n<li data-section-id=\"ur3r4y\" data-start=\"3704\" data-end=\"3733\">Salir de m\u00faltiples deudas<\/li>\n<li data-section-id=\"px0his\" data-start=\"3734\" data-end=\"3767\">Tener control sobre tu dinero<\/li>\n<\/ul>\n<p data-start=\"3769\" data-end=\"3878\">Una buena <strong data-start=\"3779\" data-end=\"3824\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> es solo el inicio de una mejor estructura financiera.<\/p>\n<h2 data-section-id=\"tkayty\" data-start=\"3885\" data-end=\"3926\"><span class=\"ez-toc-section\" id=\"Casos_reales_nuevos_escenarios\"><\/span><span style=\"color: #3366ff;\">Casos reales (nuevos escenarios)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul data-start=\"3928\" data-end=\"4185\">\n<li data-section-id=\"5trdc3\" data-start=\"3928\" data-end=\"4014\">Profesional independiente: reorganiz\u00f3 deudas tributarias y redujo su carga mensual.<\/li>\n<li data-section-id=\"1krk7q6\" data-start=\"4015\" data-end=\"4088\">Due\u00f1o de negocio: mejor\u00f3 flujo de caja sin recurrir a pr\u00e9stamos caros.<\/li>\n<li data-section-id=\"1aatp4c\" data-start=\"4089\" data-end=\"4185\">Cliente con ingresos variables: accedi\u00f3 a financiamiento estructurado sin depender del score.<\/li>\n<\/ul>\n<p data-start=\"4187\" data-end=\"4280\">\ud83d\udc49 Todos accedieron evaluando su <a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/a> seg\u00fan su caso.<\/p>\n<p data-start=\"4187\" data-end=\"4280\"><iframe title=\"YouTube video player\" data-src=\"\/\/www.youtube.com\/embed\/_W6uRcH0n7A?si=FTFRMmOzxZPxu4yG\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" class=\"lazyload\" data-load-mode=\"1\"><\/iframe><\/p>\n<h2 data-section-id=\"yeouuv\" data-start=\"4287\" data-end=\"4328\"><span class=\"ez-toc-section\" id=\"%C2%BFCuanto_podrias_pagar_realmente\"><\/span><span style=\"color: #3366ff;\">\u00bfCu\u00e1nto podr\u00edas pagar realmente?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4330\" data-end=\"4403\">La <strong data-start=\"4333\" data-end=\"4378\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> influye directamente en:<\/p>\n<ul data-start=\"4405\" data-end=\"4457\">\n<li data-section-id=\"ovg2uh\" data-start=\"4405\" data-end=\"4422\">Cuota mensual.<\/li>\n<li data-section-id=\"pt7v7y\" data-start=\"4423\" data-end=\"4438\">Costo total.<\/li>\n<li data-section-id=\"g8oam2\" data-start=\"4439\" data-end=\"4457\">Tiempo de pago.<\/li>\n<\/ul>\n<p data-start=\"4459\" data-end=\"4514\">\ud83d\udc49 <a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">Por eso es clave hacer una evaluaci\u00f3n personalizada<\/a>.<\/p>\n<h2 data-section-id=\"56yhum\" data-start=\"4521\" data-end=\"4585\"><span class=\"ez-toc-section\" id=\"Evalua_tu_tasa_de_prestamo_con_garantia_hipotecaria_hoy\"><\/span><span style=\"color: #3366ff;\">Eval\u00faa tu tasa de pr\u00e9stamo con garant\u00eda hipotecaria hoy<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4587\" data-end=\"4648\">Si tienes una propiedad, puedes acceder a condiciones reales:<\/p>\n<p data-start=\"4650\" data-end=\"4775\">\u2714 Tasas desde 0.99% mensual.<br data-start=\"4677\" data-end=\"4680\" \/>\u2714 Montos hasta S\/ 1,000,000.<br data-start=\"4707\" data-end=\"4710\" \/>\u2714 <a href=\"https:\/\/www.sbs.gob.pe\/supervisados-y-registros\/registros\/otros-registros\/casas-de-cambio-prestamos-y-empenos\/empresas-de-prestamos-y-o-empeno\" rel=\"nofollow noopener\" target=\"_blank\">Empresa registrada en la SBS<\/a>.<br data-start=\"4740\" data-end=\"4743\" \/>\u2714 M\u00e1s de 8 a\u00f1os de experiencia.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Descubre_tu_tasa_personalizada_ahora\"><\/span><span style=\"color: #3366ff;\">Descubre tu tasa personalizada ahora<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"4826\" data-end=\"4919\">\ud83d\udc49 <strong data-start=\"4829\" data-end=\"4881\"><a href=\"https:\/\/rtc.pe\/formulario?utm_source=google&amp;utm_medium=organic&amp;utm_campaign=tasa-prestamo-garantia-hipotecaria-peru\">Eval\u00faa tu pr\u00e9stamo con garant\u00eda hipotecaria aqu\u00ed<\/a>.<\/strong><\/p>\n<h2 data-section-id=\"179e4tx\" data-start=\"4926\" data-end=\"4952\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes\"><\/span><span style=\"color: #3366ff;\">Preguntas frecuentes<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 data-section-id=\"g9bphd\" data-start=\"5020\" data-end=\"5046\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_mejorar_mi_tasa\"><\/span><span style=\"color: #3366ff;\">\u00bfPuedo mejorar mi tasa?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"5047\" data-end=\"5088\">S\u00ed, seg\u00fan el valor del inmueble y perfil.<\/p>\n<h3 data-section-id=\"eahyl8\" data-start=\"5090\" data-end=\"5129\"><span class=\"ez-toc-section\" id=\"%C2%BFPuedo_acceder_si_estoy_en_Infocorp\"><\/span><span style=\"color: #3366ff;\">\u00bfPuedo acceder si estoy en Infocorp?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p data-start=\"5130\" data-end=\"5167\">S\u00ed, en muchos casos se puede evaluar. <a href=\"https:\/\/estadisticas.bcrp.gob.pe\/estadisticas\/series\/mensuales\/resultados\/PD04722MM\/html\" rel=\"nofollow noopener\" target=\"_blank\">La diferencia no est\u00e1 solo en la tasa<\/a>\u2026 Est\u00e1 en c\u00f3mo estructuras tu <a href=\"https:\/\/soluciones.equifax.com.pe\/e-commerce\/\" rel=\"nofollow noopener\" target=\"_blank\">financiamiento<\/a>.<\/p>\n<p data-start=\"5272\" data-end=\"5380\">Una buena <strong data-start=\"5282\" data-end=\"5327\">tasa de pr\u00e9stamo con garant\u00eda hipotecaria<\/strong> puede ayudarte a tomar control real de tus finanzas.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1s evaluando un financiamiento, hay una pregunta clave que define todo: \ud83d\udc49 \u00bfCu\u00e1l es la tasa de un pr\u00e9stamo<\/p>\n","protected":false},"author":218,"featured_media":48123,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[40],"tags":[],"class_list":["post-48122","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aprende-sobre-prestamos-con-garantia-hipotecaria"],"_links":{"self":[{"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/posts\/48122","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/users\/218"}],"replies":[{"embeddable":true,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/comments?post=48122"}],"version-history":[{"count":1,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/posts\/48122\/revisions"}],"predecessor-version":[{"id":48124,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/posts\/48122\/revisions\/48124"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/media\/48123"}],"wp:attachment":[{"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/media?parent=48122"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/categories?post=48122"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtc.pe\/blog\/wp-json\/wp\/v2\/tags?post=48122"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}