{"id":"3EB09027EC6A502E736BD3","object":"message","event":"message:out:ack","created":1762777364,"ack":"delivered","device":{"id":"6568d66c1c444058b45525da","phone":"+56222180913","alias":"LYB-1","plan":"io-enterprise"},"data":{"id":"3EB09027EC6A502E736BD3","type":"text","flow":"outbound","status":"active","ack":"delivered","agent":"682f5350ee840a94d3a389ff","from":"56222180913@c.us","fromNumber":"+56222180913","to":"56944122100@c.us","toNumber":"+56944122100","date":"2025-11-10T12:22:44.000Z","timestamp":1762777364,"body":"Hola Macarena, ¿cómo estás? Espero que muy bien.\n\nTe escribo para explicarte, como habíamos quedado, qué es la novación por cambio de deudor y cómo funciona en el caso de la compra de esta casa:\n\nActualmente, la casa que que visitamos ayer está con un crédito hipotecario vigente. Eso significa que el dueño actual (el vendedor) todavía le debe dinero al banco, y la propiedad está hipotecada como garantía de ese crédito.\n\nLo que se ofrece hacer con la novacion es NO pedir un crédito nuevo, sino que asumir directamente el crédito que ya existe, es decir, quedarse ustedes con lo que queda de esa deuda frente al banco.\n\nY Ese cambio —en el que ustedes toman el lugar del antiguo deudor— se llama “novación”. Más específicamente, es una novación por cambio de deudor. Legalmente, significa que:\n-  El vendedor deja de ser el deudor del banco, y\n- Ustedes pasan a ser el nuevo deudor del mismo crédito.\n\nPara que esto funcione, se necesita que:\n- El banco acepte formalmente el cambio, luego de evaluarte financieramente.\n- Se firme una escritura donde quede constancia clara de este reemplazo de deudor.\n- La hipoteca original permanece vigente, no se borra ni se reemplaza.\n\n¿Qué ventajas tiene esto para ustedes?\n\n✅ Evitan tramitar un crédito nuevo, lo que ahorra tiempo y costos.\n✅ Podrán mantener condiciones más favorables que las que ofrece un crédito actual (como la tasa más baja).\n✅ La operación puede ser más rápida, porque ya existe la inscripción de hipoteca.","chat":{"id":"56944122100@c.us","name":"Maca","date":"2025-11-10T12:31:56.000Z","type":"chat","lid":"255843081683048@lid","status":"active","waStatus":"active","statusUpdatedAt":"2025-11-08T19:15:27.437Z","statusUpdatedBy":"682f5350ee840a94d3a389ff","prevStatus":"pending","prevStatusUpdatedAt":"2025-11-08T19:15:24.510Z","firstMessageAt":"2025-11-08T19:15:07.000Z","lastMessageAt":"2025-11-10T12:32:08.000Z","lastMessageTime":1762777928,"lastOutboundMessageAt":"2025-11-10T12:32:08.000Z","lastInboundMessageAt":"2025-11-09T15:12:38.000Z","lastAutoReply":null,"lastAutoReplyAt":null,"stats":{"notes":0,"inboundMessages":0,"outboundMessages":0,"localMessages":76},"labels":["Cliente Frío"],"owner":{"agent":"682f5350ee840a94d3a389ff","assignedAt":"2025-11-08T19:12:41.405Z","department":null,"previousDepartment":null,"departmentAssigner":null,"departmentUpdatedAt":null,"autoAssignDepartment":null,"autoAssignDepartmentAt":null},"contact":{"wid":"56944122100@c.us","type":"user","name":"Maca","displayName":"Maca","syncedAt":"2025-11-08T19:12:38.649Z","updatedAt":"2025-11-10T12:28:36.872Z","phone":"+56944122100","info":{"languages":[],"links":[],"kind":"personal","address":"*","city":"*","country":"CL","crm":"eCRM+","crmRef":"https://admin.lyb.crmpyme.com/contact/6146/","description":"LYB","email":"macarenalunanoriega92@gmail.com","gender":"male","name":"Macarena","surname":"Luna Noriega","updatedAt":"2025-11-10T12:28:36.872Z","updatedBy":"6554db8240434065e4c59b25","fullName":"Macarena Luna Noriega"},"locationInfo":{"alpha2":"CL","alpha3":"CHL","countryCallingCodes":["+56"],"currencies":["CLP","CLF"],"emoji":"🇨🇱","ioc":"CHI","languages":[{"code":"SPA","iso":"es","name":"Spanish","nativeName":"Español"}],"name":"Chile","status":"assigned"},"metadata":[{"key":"PROSPECTO_TELEFONO","value":"944122100"},{"key":"PROPIEDAD_LINK","value":"https://lyb.cl/fichaPropiedad.html?id=101107963"},{"key":"PROPIEDAD_CODIGO","value":"107963"},{"key":"PROPIEDAD_TIPO","value":"Casa"},{"key":"PROPIEDAD_COMUNA","value":"Colina"},{"key":"PROPIEDAD_UBICACION","value":"la Casa de Av. 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