{"id":4485,"date":"2025-01-15T22:51:42","date_gmt":"2025-01-15T22:51:42","guid":{"rendered":"https:\/\/api.croghan.bank\/heloc\/"},"modified":"2026-03-12T16:57:23","modified_gmt":"2026-03-12T16:57:23","slug":"heloc","status":"publish","type":"page","link":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/","title":{"rendered":"HELOC"},"content":{"rendered":"","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":4491,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[],"tags":[],"class_list":["post-4485","page","type-page","status-publish","hentry"],"acf":{"modules":[{"acf_fc_layout":"bread_crumb_nav_hero","title":"<h1>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria<\/h1>","subtitle":"","content":"Aproveche el valor neto de su vivienda con una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) de Croghan Colonial Bank. \u00daselo para renovaciones de viviendas, consolidaci\u00f3n de deudas, gastos universitarios o compras importantes, todo con acceso asequible y flexible a fondos cuando los necesite. ","buttons":[{"button":{"link":{"title":"Ll\u00e1manos","url":"tel:8882764426","target":""},"button_style":"solid","button_color":"dBlue","opens_modal":false,"video":null}},{"button":{"link":{"title":"Buscar una ubicaci\u00f3n","url":"\/locations","target":""},"button_style":"outlined","button_color":"dBlue","opens_modal":false,"video":null}}],"module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"},{"acf_fc_layout":"floating_cards","eyebrow":"","title":"<h2>Beneficios de HELOC<\/h2>","content":"","buttons":null,"cards_alignment":"cardsRight","card_style_type":"cardTypeBasic","floating_cards":[{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Endeudamiento flexible<\/h3>","description":"Acceda a los fondos seg\u00fan sea necesario durante el per\u00edodo del retiro, como una tarjeta de cr\u00e9dito.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Funci\u00f3n de bloqueo<\/h3>","description":"Convierta todo o parte de su saldo a una tasa fija para pagos predecibles.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Tarifas competitivas<\/h3>","description":"Las tasas variables suelen ser m\u00e1s bajas que las tarjetas de cr\u00e9dito y los pr\u00e9stamos personales.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Cr\u00e9dito Rotativo<\/h3>","description":"A medida que paga, los fondos est\u00e1n disponibles para volver a pedir prestado.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Pagos de solo intereses<\/h3>","description":"Pague solo los intereses durante el per\u00edodo de retiro, con la opci\u00f3n de pagar el capital antes de tiempo.","image":null,"link":null}],"module_background_style":"solidColorBlue","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"noSpacingAfter"},{"acf_fc_layout":"full_width_media","media_type":"image","image":3937,"video":null,"video_youtube":"","video_poster_image":null,"module_upper_half_background_color":"blue","module_lower_half_background_color":"white","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"compactSpacingAfter"},{"acf_fc_layout":"fifty_fifty_content","eyebrow":"","title":"<h2>C\u00f3mo funciona una HELOC<\/h2>","content":"Una HELOC funciona como una l\u00ednea de cr\u00e9dito renovable garantizada por el valor neto de su vivienda:\n<ol>\n \t<li><strong>Per\u00edodo de retiro (10 a\u00f1os):<\/strong> Pida prestado seg\u00fan sea necesario mediante cheques, transferencias con tarjeta de d\u00e9bito o banca en l\u00ednea. Los pagos m\u00ednimos cubren solo los intereses. <\/li>\n \t<li><strong>Per\u00edodo de pago (10-20 a\u00f1os):<\/strong> No se permiten nuevos pr\u00e9stamos. Comienzas a pagar tanto el capital como los intereses en pagos mensuales estructurados. <\/li>\n<\/ol>\n<strong>Funci\u00f3n de bloqueo<\/strong>: Convierta partes de su saldo en un pr\u00e9stamo de tasa fija en cualquier momento, lo que garantiza pagos mensuales predecibles. Puede tener hasta tres saldos bloqueados separados a la vez. ","buttons":null,"module_background_color":"white","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"compactSpacingAfter"},{"acf_fc_layout":"floating_cards","eyebrow":"","title":"<h2>Entendiendo las Tasas de Inter\u00e9s de HELOC<\/h2>","content":"","buttons":null,"cards_alignment":"cardsLeft","card_style_type":"cardTypeBasic","floating_cards":[{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Tasa Variable<\/h3>","description":"Las tasas de las HELOC fluct\u00faan en funci\u00f3n de las tendencias del mercado, a menudo vinculadas a la tasa preferencial de EE. UU.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Costos m\u00e1s bajos<\/h3>","description":"Las HELOC suelen ofrecer tasas m\u00e1s bajas que las tarjetas de cr\u00e9dito y los pr\u00e9stamos personales, lo que le ayuda a ahorrar en intereses.","image":null,"link":null},{"icon":"","icon_dark_mode":null,"eyebrow":"","title":"<h3>Opci\u00f3n de tasa fija<\/h3>","description":"Convierta parte de su HELOC a una tasa fija para mayor estabilidad.","image":null,"link":null}],"module_background_style":"accentTriangle","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"compactSpacingAfter"},{"acf_fc_layout":"content_card_pattern_accent","image":3941,"eyebrow":"","title":"<h2>C\u00f3mo calificar para una HELOC<\/h2>","content":"La elegibilidad depende del valor neto de la vivienda, el puntaje de cr\u00e9dito y la relaci\u00f3n deuda-ingreso (DTI). La mayor\u00eda de los prestamistas requieren: \n<ul>\n \t<li><strong>15-20% de capital en su casa<\/strong><\/li>\n \t<li><strong>Puntaje de cr\u00e9dito de 660+<\/strong> (puntajes m\u00e1s altos pueden asegurar mejores tasas)<\/li>\n \t<li><strong>Ratio DTI por debajo del 43%<\/strong> (algunos prestamistas permiten hasta el 50%)<\/li>\n<\/ul>","buttons":[{"button":{"link":{"title":"Hable con un oficial de pr\u00e9stamos","url":"\/contact-us","target":""},"button_style":"solid","button_color":"dBlue","opens_modal":false,"video":null}}],"disclaimer":"","module_image_alignment":"imageRight","module_card_background_color":"cardBackgroundGrey","module_anchor_id":"","module_padding_inner":"paddingInnerBottom","module_spacing_after":"compactSpacingAfter"},{"acf_fc_layout":"floating_cards","eyebrow":"","title":"<h2>Lo que puedes esperar de Croghan<\/h2>","content":"Cuando elige Croghan Colonial Bank para su HELOC, se est\u00e1 asociando con un prestamista de confianza que brinda asesoramiento personalizado, tasas competitivas y un proceso sencillo.","buttons":null,"cards_alignment":"cardsLeft","card_style_type":"cardTypeBasic","floating_cards":[{"icon":3675,"icon_dark_mode":null,"eyebrow":"","title":"<h3>Proceso simple y transparente<\/h3>","description":"Nuestro equipo lo guiar\u00e1 a trav\u00e9s de cada paso de la solicitud de HELOC, asegur\u00e1ndose de que comprenda los t\u00e9rminos y se sienta seguro de sus decisiones financieras.","image":null,"link":null},{"icon":3717,"icon_dark_mode":null,"eyebrow":"","title":"<h3>Soporte Personalizado<\/h3>","description":"Desde la solicitud hasta la financiaci\u00f3n, proporcionamos apoyo personalizado, asegur\u00e1ndonos de que el proceso sea lo m\u00e1s fluido y libre de estr\u00e9s posible.","image":null,"link":null},{"icon":3719,"icon_dark_mode":null,"eyebrow":"","title":"<h3>Experiencia local<\/h3>","description":"Con a\u00f1os de experiencia en la comunidad, entendemos el mercado local y estamos comprometidos a brindar apoyo para sus objetivos financieros.","image":null,"link":null}],"module_background_style":"accentTriangle","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"noSpacingAfter"},{"acf_fc_layout":"horizontal_cards_slider","eyebrow":"","title":"<h2>Solicitud de una HELOC<\/h2>","content":"Solicitar un pr\u00e9stamo personal en Croghan Colonial Bank es sencillo. Esto es lo que puedes esperar: ","slider_cards":[{"card_type":"sequence","card_media_type":"image","rating":1,"number":1,"content":"<h4>Verifique su cr\u00e9dito y equidad<\/h4>\nRevise el saldo de su hipoteca y el valor de su propiedad.","author":"","image":null,"video":null,"video_poster_image":null,"links":null},{"card_type":"sequence","card_media_type":"image","rating":1,"number":2,"content":"<h4>Comparar prestamistas<\/h4>\nCompre los mejores t\u00e9rminos y las tarifas m\u00e1s bajas.","author":"","image":null,"video":null,"video_poster_image":null,"links":null},{"card_type":"sequence","card_media_type":"image","rating":1,"number":3,"content":"<h4>Env\u00ede su solicitud<\/h4>\nProporcione comprobantes de ingresos, detalles de la hipoteca y documentos financieros.","author":"","image":null,"video":null,"video_poster_image":null,"links":null},{"card_type":"sequence","card_media_type":"image","rating":1,"number":4,"content":"<h4>Tasaci\u00f3n y Aprobaci\u00f3n de Viviendas<\/h4>\nLos prestamistas determinan su l\u00edmite de cr\u00e9dito en funci\u00f3n del valor de la vivienda y la salud financiera.","author":"","image":null,"video":null,"video_poster_image":null,"links":null},{"card_type":"sequence","card_media_type":"image","rating":1,"number":5,"content":"<h4>Accede a tus fondos<\/h4>\nUna vez aprobado, pida prestado seg\u00fan sea necesario durante el per\u00edodo de retiro.","author":"","image":null,"video":null,"video_poster_image":null,"links":null}],"module_background_color":"white","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"},{"acf_fc_layout":"location_pre_footer","module_anchor_id":"","module_padding_inner":"noPaddingInner","module_spacing_after":"defaultSpacingAfter"},{"acf_fc_layout":"accordion","eyebrow":null,"accordion_items":null,"module_anchor_id":null,"module_padding_inner":null,"module_spacing_after":null}]},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan<\/title>\n<meta name=\"description\" content=\"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan\" \/>\n<meta property=\"og:description\" content=\"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/\" \/>\n<meta property=\"og:site_name\" content=\"Banco Croghan sin cabeza\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-12T16:57:23+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/heloc\\\/\",\"url\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/heloc\\\/\",\"name\":\"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/#website\"},\"datePublished\":\"2025-01-15T22:51:42+00:00\",\"dateModified\":\"2026-03-12T16:57:23+00:00\",\"description\":\"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/heloc\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/heloc\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/heloc\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Hogar\",\"item\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Personal\",\"item\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Pr\u00e9stamos Personales\",\"item\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/personal\\\/prestamos-personales\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"HELOC\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/\",\"name\":\"Banco Croghan sin cabeza\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/api.croghan.bank\\\/es\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan","description":"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"es_ES","og_type":"article","og_title":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan","og_description":"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.","og_url":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/","og_site_name":"Banco Croghan sin cabeza","article_modified_time":"2026-03-12T16:57:23+00:00","twitter_card":"summary_large_image","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/","url":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/","name":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) | Banco Colonial Croghan","isPartOf":{"@id":"https:\/\/api.croghan.bank\/es\/#website"},"datePublished":"2025-01-15T22:51:42+00:00","dateModified":"2026-03-12T16:57:23+00:00","description":"Aproveche el valor neto de su vivienda con una HELOC flexible de Croghan Colonial Bank. Use los fondos para mejoras en el hogar, consolidaci\u00f3n de deudas y m\u00e1s.","breadcrumb":{"@id":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/heloc\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Hogar","item":"https:\/\/api.croghan.bank\/es\/"},{"@type":"ListItem","position":2,"name":"Personal","item":"https:\/\/api.croghan.bank\/es\/personal\/"},{"@type":"ListItem","position":3,"name":"Pr\u00e9stamos Personales","item":"https:\/\/api.croghan.bank\/es\/personal\/prestamos-personales\/"},{"@type":"ListItem","position":4,"name":"HELOC"}]},{"@type":"WebSite","@id":"https:\/\/api.croghan.bank\/es\/#website","url":"https:\/\/api.croghan.bank\/es\/","name":"Banco Croghan sin cabeza","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/api.croghan.bank\/es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"}]}},"_links":{"self":[{"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/pages\/4485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/comments?post=4485"}],"version-history":[{"count":0,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/pages\/4485\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/pages\/4491"}],"wp:attachment":[{"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/media?parent=4485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/categories?post=4485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/api.croghan.bank\/es\/wp-json\/wp\/v2\/tags?post=4485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}