{"id":"3EB030DBD09F44EFC59E06","object":"message","event":"message:out:ack","created":1775606547,"ack":"read","device":{"id":"6568d66c1c444058b45525da","phone":"+56222180913","alias":"LYB-1","plan":"io-enterprise"},"data":{"id":"3EB030DBD09F44EFC59E06","type":"text","subtype":"url","flow":"outbound","status":"active","ack":"read","agent":"6554db8240434065e4c59b25","from":"56222180913@c.us","fromNumber":"+56222180913","to":"56985056178@c.us","toNumber":"+56985056178","date":"2026-04-08T00:02:27.000Z","timestamp":1775606547,"body":"Hola Sebastián, *Tuly Puente* te envió el siguiente mensaje:\n\n_https://www.linkedin.com/posts/juan-esteban-romero-ab6bb396_craezditohipotecario-bancos-informededeudas-share-7445153442056024064-BHGZ?utm_source=share&utm_medium=member_android&rcm=ACoAAC0AlGEBD3j91qvCRB53mbixBJkYGH3j_Gs_\n\nRespóndelo aquí → https://app.kach.ai/6568d66c1c444058b45525da/c/56990796347","linkPreview":{"description":"🏦📄 Tu solicitud de crédito hipotecario ya no dependerá solo de cuánto ganas y de cuanta deuda está declarada en el sistema bancario, sino que ahora entrarán las deudas que antes no estaban informadas. La noticia de hoy muestra un cambio importante en la evaluación bancaria para créditos hipotecarios en Chile: los bancos comenzarán a mirar con más detalle el Informe de Deudas Consolidado, documento que reúne obligaciones financieras vigentes, morosas e incluso aquellas en que una persona aparece como aval. Además, figurarán en este informe deudas relacionadas con casas comerciales, cajas de compensación y mutarais, entre otros organismos. Y este cambio en la información mostrada por el Registro de Deuda Consolidada comenzará a regir a contar de este miércoles. 📊🔍 ¿Qué cambia realmente?\nHasta ahora, muchas personas podían pensar que una deuda indirecta —por ejemplo, salir como aval de alguien— no tenía mayor impacto práctico. Pero con este reporte más completo, los bancos tendrán una visión mucho más precisa de la carga financiera real del postulante. Eso tiene efectos inmediatos sobre la aprobación hipotecaria: •\tmás control sobre el nivel total de endeudamiento, •\tmejor medición de la capacidad de pago, •\tmenor margen para inconsistencias entre ingresos y obligaciones, •\ty decisiones crediticias más ajustadas a la realidad. 📌 Un mercado hipotecario sano no se construye aprobando créditos “a ciegas”, sino evaluando bien el riesgo. 📈⚖️ Encuentro que esta medida va en la dirección correcta: mejora la transparencia, protege a la banca de sobreexposición y también evita que personas entren a créditos que después no podrán sostener.\nEl acceso al financiamiento importa, pero la calidad del acceso importa todavía más. La pregunta no es si los bancos serán más exigentes. La pregunta es: ¿cuántas personas realmente conocen hoy su foto financiera completa antes de postular a un hipotecario? #CréditoHipotecario #Bancos #InformeDeDeudas #MercadoInmobiliario #Chile #EducaciónFinanciera #CMF #AccesoALaVivienda #FinanzasPersonales | 25 comments on LinkedIn","matchedUrl":"https://www.linkedin.com/posts/juan-esteban-romero-ab6bb396_craezditohipotecario-bancos-informededeudas-share-7445153442056024064-BHGZ?rcm=ACoAAC0AlGEBD3j91qvCRB53mbixBJkYGH3j_Gs_","thumbnail":"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#bancos #informededeudas #mercadoinmobiliario #chile #educaciónfinanciera #cmf #accesoalavivienda #finanzaspersonales | Juan Esteban Romero | 25 comments"},"reactions":[],"chat":{"id":"56985056178@c.us","name":"Sebastian Lyon A","date":"2026-04-08T00:02:27.000Z","type":"chat","lid":"111437406040274@lid","status":"resolved","waStatus":"active","statusUpdatedAt":"2026-03-10T01:33:18.228Z","statusUpdatedBy":"6554db8240434065e4c59b25","prevStatus":"active","prevStatusUpdatedAt":"2026-03-06T23:33:30.437Z","deletedAt":"2024-06-17T16:05:21.522Z","firstMessageAt":"2024-01-17T22:48:27.000Z","lastMessageAt":"2026-04-08T00:02:27.000Z","lastMessageTime":1775606547,"lastOutboundMessageAt":"2026-04-08T00:02:27.000Z","lastInboundMessageAt":"2026-03-07T17:12:46.000Z","lastAutoReply":null,"lastAutoReplyAt":null,"stats":{"notes":0,"inboundMessages":0,"outboundMessages":0,"localMessages":51},"labels":["Llamar Contacto","Cliente Frío","Agendar Visita","Responder Whatsapp","Click 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