{"id":3272,"date":"2026-08-05T08:40:51","date_gmt":"2026-08-05T13:40:51","guid":{"rendered":"https:\/\/torresarquitectura.com.co\/?p=3272"},"modified":"2026-08-05T16:40:57","modified_gmt":"2026-08-05T21:40:57","slug":"retos-vivienda-vis-colombia-2026-como-asegurar-compra","status":"publish","type":"post","link":"https:\/\/torresarquitectura.com.co\/en\/guias-para-comprar-vivienda\/retos-vivienda-vis-colombia-2026-como-asegurar-compra.html","title":{"rendered":"Retos de la Vivienda VIS en Colombia 2026: Gu\u00eda para Asegurar tu Subsidio y Compra | Torres Arquitectura"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3272\" class=\"elementor elementor-3272\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4d6b79 e-con-full e-flex tcg-animation-none e-con e-parent\" data-id=\"c4d6b79\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-846b7b0 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"846b7b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2876e60c e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"2876e60c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2bfb9609 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"2bfb9609\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bc37ce0 tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"2bc37ce0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1>Retos de la Vivienda VIS en Colombia 2026: Gu\u00eda para Asegurar tu Subsidio y Compra Asegurar tu Subsidio y Compra<\/h1>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db8a6c e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"db8a6c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e115e4c tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"1e115e4c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfPensando en comprar vivienda VIS en 2026? Conoce los retos del mercado, subsidios vigentes y c\u00f3mo asegurar tu casa. Ases\u00f3rate hoy por WhatsApp.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-289358a0 tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"289358a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">El mercado de Vivienda de Inter\u00e9s Social (VIS) en Colombia est\u00e1 cambiando en 2026. Hay nuevos ajustes en el programa Mi Casa Ya, las tasas de inter\u00e9s se mueven y los precios se indexan al Salario M\u00ednimo Mensual Legal Vigente (SMMLV).<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Pero eso no significa que debas esperar. Lo que necesitas es una planeaci\u00f3n financiera clara: combinar los subsidios disponibles (Caja de Compensaci\u00f3n + Gobierno) y armar un cronograma de pagos que se alinee con tu fecha de escrituraci\u00f3n.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Aqu\u00ed te decimos c\u00f3mo hacerlo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3c5f6f43 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"3c5f6f43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b26ee47 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"b26ee47\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1d28ca63 tcg-animation-none elementor-widget elementor-widget-image\" data-id=\"1d28ca63\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1536\" height=\"1024\" src=\"https:\/\/torresarquitectura.com.co\/wp-content\/uploads\/2026\/08\/ChatGPT-Image-5-ago-2026-08_26_08-a.m.png\" class=\"attachment-full size-full wp-image-3274\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">visita nuestro instagram @torres_arquitecturasas<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60d0cda e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"60d0cda\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-eddc8f3 tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"eddc8f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h1 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\">Los 3 grandes retos del mercado de Vivienda VIS en 2026<\/h1><ul><li class=\"mt-2 -mb-1 text-sm font-bold\" dir=\"ltr\"><h5>Ajustes en los cupos de Mi Casa Ya y requisitos de SISB\u00c9N IV<\/h5><\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">El Gobierno mantiene el foco en los grupos A1 a C12 del SISB\u00c9N IV. Si no actualizas tu encuesta a tiempo o no revisar tu clasificaci\u00f3n, pierdes cobertura en la tasa de inter\u00e9s o en el subsidio a la cuota inicial.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Es simple: sin SISB\u00c9N vigente, sin beneficio.<\/p><ul><li><h5>Precios fijados en SMMLV del a\u00f1o de escrituraci\u00f3n<\/h5><\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Aqu\u00ed est\u00e1 el punto clave: los proyectos VIS no tienen un precio fijo. Se ajustan seg\u00fan el salario m\u00ednimo del a\u00f1o en que te entregan las llaves, no del a\u00f1o en que firmas la separaci\u00f3n.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Esto significa que un proyecto hoy puede costar diferente en 2 o 3 a\u00f1os. Tu cuota inicial o el monto del cr\u00e9dito pueden variar significativamente.<\/p><ul><li class=\"mt-2 -mb-1 text-sm font-bold\" dir=\"ltr\"><h5>Tasas de inter\u00e9s e iniciaci\u00f3n de proyectos seg\u00fan Camacol<\/h5><\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Los datos de Camacol muestran un ritmo moderado en las iniciaciones de obra. Los costos de construcci\u00f3n y las tasas de cr\u00e9dito hipotecario son las razones principales. Antes de comprometerte con un proyecto, verifica la salud financiera de la constructora. Exige un encargo fiduciario.<\/p><h2 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\">La estrategia clave: Concurrencia de Subsidios en 2026<\/h2><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Aqu\u00ed est\u00e1 el secreto: puedes combinar m\u00faltiples subsidios para reducir lo que debes al banco. Mucho m\u00e1s de lo que muchos saben.<\/p><ul><li class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Subsidio de Caja de Compensaci\u00f3n Familiar:<\/strong> Hasta 30 SMMLV si ganas hasta 2 SMMLV mensuales. Si ganas entre 2 y 4 SMMLV, hasta 20 SMMLV.<\/li><li class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Subsidio Mi Casa Ya:<\/strong> El Gobierno aporta 20 a 30 SMMLV seg\u00fan tu categor\u00eda en el SISB\u00c9N IV. Se suma con el de la caja.<\/li><li class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>Cobertura a la Tasa FRECH:<\/strong> Reduce puntos porcentuales en tu tasa de inter\u00e9s durante los primeros 7 a\u00f1os del cr\u00e9dito.<\/li><\/ul><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">La suma: trabajas con m\u00e1s recursos para tu cuota inicial y menos deuda hipotecaria.<\/p><h3 class=\"mt-2 -mb-1 text-base font-bold\" dir=\"ltr\">Paso a paso para blindar la compra de tu apartamento VIS<\/h3><h6 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>1. Verifica tu SISB\u00c9N IV<\/strong><\/h6><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Confirma tu categor\u00eda antes de firmar cualquier contrato. No es un tr\u00e1mite opcional.<\/p><h6 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>2. Obt\u00e9n preaprobaci\u00f3n bancaria<\/strong><\/h6><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Busca un cr\u00e9dito preliminar que contemple escenarios de ajuste en el SMMLV. As\u00ed sabes con claridad qu\u00e9 puedes pagar.<\/p><h6 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>3. Aprovecha las preventa<\/strong><\/h6><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Elige proyectos con plazos amplios para la cuota inicial (24 a 36 meses). Te da tiempo para ahorrar y amortiguar el impacto del cierre financiero.<\/p><h6 class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\"><strong>4. Exige encargo fiduciario<\/strong><\/h6><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Tu dinero debe ir a una fiducia hasta que el proyecto tenga licencia de construcci\u00f3n aprobada y alcance el punto de equilibrio. Es tu garant\u00eda.<\/p><p dir=\"ltr\">\u00a0<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">Comprar vivienda VIS en 2026 no es cosa de intuici\u00f3n. Es cosa de n\u00fameros. Cuando conoces los subsidios disponibles y tienes un plan financiero real, la compra es posible.<\/p><p class=\"font-claude-response-body break-words whitespace-normal\" dir=\"ltr\">\u00bfQuieres saber qu\u00e9 proyectos VIS se adaptan a tu situaci\u00f3n? \u00bfDudas sobre tus subsidios o el c\u00e1lculo de tu cuota inicial? Escr\u00edbenos directo a WhatsApp de Asesor\u00eda +57 318 243 8735 o correo a nuestro equipo t\u00e9cnico. Te damos una consultor\u00eda personalizada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-59dea31 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"59dea31\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-29f9f153 e-con-full e-flex tcg-animation-none e-con e-child\" data-id=\"29f9f153\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-93464c7 tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"93464c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>\u00bfPensando en comprar vivienda VIS en 2026? Conoce los retos del mercado, subsidios vigentes y c\u00f3mo asegurar tu casa. Ases\u00f3rate hoy por WhatsApp.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-03aa275 tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"03aa275\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Esribenos <a href=\"https:\/\/wa.me\/573182438735\">3182438735<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e0dfea e-flex e-con-boxed tcg-animation-none e-con e-parent\" data-id=\"1e0dfea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;tc_container_hover_selector&quot;:&quot;container&quot;,&quot;tc_container_background_parallax&quot;:&quot;no&quot;,&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_container_clip_path&quot;:&quot;none&quot;,&quot;tcg_advanced_hover&quot;:&quot;no&quot;,&quot;float_cursor&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-870d5aa tcg-animation-none elementor-widget elementor-widget-text-editor\" data-id=\"870d5aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;tc_smooth_scroll_effects&quot;:&quot;none&quot;,&quot;tc_css_effects&quot;:&quot;none&quot;,&quot;tc_dark_mode_responsive_hide_in_dark&quot;:&quot;no&quot;,&quot;tc_dark_mode_responsive_hide_in_light&quot;:&quot;no&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Retos de la Vivienda VIS en Colombia 2026: Gu\u00eda para Asegurar tu Subsidio y Compra Asegurar tu Subsidio y Compra \u00bfPensando en comprar vivienda VIS en 2026? Conoce los retos del mercado, subsidios vigentes y c\u00f3mo asegurar tu casa. Ases\u00f3rate hoy por WhatsApp. El mercado de Vivienda de Inter\u00e9s Social (VIS) en Colombia est\u00e1 cambiando en 2026. Hay nuevos ajustes &hellip;<\/p>","protected":false},"author":2,"featured_media":3283,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_rankjet_focus_keyword":"","_rankjet_seo_description":"","_rankjet_originality_score":0,"_rankjet_originality_data":"","_rankjet_originality_checked_at":"","_rankjet_seo_schema":"","footnotes":""},"categories":[3,110],"tags":[113,114,115,112,107,67,72],"class_list":["post-3272","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-guias-para-comprar-vivienda","category-inversion-en-vivienda","tag-cajas-de-compensacion","tag-camacol","tag-cuota-inicial","tag-mi-casa-ya-2026","tag-torres-arquitectura-manizales","tag-villamaria","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/posts\/3272","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/comments?post=3272"}],"version-history":[{"count":9,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/posts\/3272\/revisions"}],"predecessor-version":[{"id":3282,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/posts\/3272\/revisions\/3282"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/media\/3283"}],"wp:attachment":[{"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/media?parent=3272"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/categories?post=3272"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/torresarquitectura.com.co\/en\/wp-json\/wp\/v2\/tags?post=3272"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}