{"id":216324048,"date":"2026-05-12T19:09:46","date_gmt":"2026-05-12T17:09:46","guid":{"rendered":"https:\/\/arturo.winandoffice.com\/?p=216324048"},"modified":"2026-05-12T19:09:46","modified_gmt":"2026-05-12T17:09:46","slug":"216324048-2","status":"publish","type":"post","link":"https:\/\/arturo.winandoffice.com\/nzl\/216324048-2\/","title":{"rendered":""},"content":{"rendered":"<div class=\"tonYlb Uphzyf\" data-tr-rsts=\"true\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"iJuQY_2x\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div id=\"aim-chrome-initial-inline-async-container\" data-ved=\"2ahUKEwi3-ODXlbSUAxX4P7kGHZgVPO8Q_ZkOegYIAggBEBo\" data-hveid=\"CAIIARAa\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_2,sDZBve_3,sDZBve_4,sDZBve_5,sDZBve_6,sDZBve_7\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div aria-hidden=\"false\" data-animation-skip=\"\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQ_sYPeggIAggACBwQAA\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 465.828px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-wiz-attrbind=\"class=sDZBve_1\/tPhIrf\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">tipos de nit en bolivia<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<p><!--qkimaf sDZBve_1\/nkGDxf--><!--cqw1tb sDZBve_1\/nkGDxf--><\/p>\n<div class=\"dcCF7d\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-subtree=\"aimfl\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">En Bolivia, existen principalmente dos tipos de N\u00famero de Identificaci\u00f3n Tributaria (NIT) basados en el r\u00e9gimen tributario: el <\/span><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">R\u00e9gimen General<\/strong> (que emite factura) y los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Reg\u00edmenes Especiales<\/strong> (como el &#8220;NIT amarillo&#8221;, que no emite factura). Estos se aplican a personas naturales, empresas unipersonales, y personas jur\u00eddicas (SRL, SA) seg\u00fan su actividad econ\u00f3mica. [<a style=\"font-family: Montserrat;\" href=\"https:\/\/ificorp.net\/web\/index.php\/82-oficina-santa-cruz\/865-requisitos-para-obtener-numero-de-identificacion-tributaria-nit-e-srl-en-bolivia\">1<\/a>, <a style=\"font-family: Montserrat;\" href=\"https:\/\/www.tiktok.com\/@escuelaeicap\/video\/7506537933642435846\">2<\/a>, <a style=\"font-family: Montserrat;\" href=\"https:\/\/www.tiktok.com\/@luz_colque\/video\/7363815493893164294\">3<\/a>, <a style=\"font-family: Montserrat;\" href=\"https:\/\/bailey-legal-service.com\/tipos-de-nit-en-bolivia\/\">4<\/a>]<\/div>\n<\/div>\n<\/div>\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div id=\"ow4\" class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_b\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQ2O0OeggIAggACBwQAQ\" data-hveid=\"CAIIAAgcEAE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQ3KYQeggIAggACBwQAg\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgiEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aqu\u00ed te detallo la clasificaci\u00f3n:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. R\u00e9gimen General<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgkEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Es el r\u00e9gimen com\u00fan para la mayor\u00eda de las empresas y profesionales.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgmEAA\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Obligaciones:<!--TgQPHd|[]--><\/strong> Emitir factura, llevar contabilidad, declarar IVA, IT y IUE.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgmEAE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Categor\u00edas de Contribuyentes:<!--TgQPHd|[]--><\/strong> Seg\u00fan el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/regimenes-tributarios\/regimen-general\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAIIAAgmEAI\" aria-label=\"Servicio de Impuestos Nacionales. Link preview. Site: Impuestos Nacionales. Title: R\u00e9gimen General - Siat - Impuestos Nacionales. URL: https:\/\/siatinfo.impuestos.gob.bo\/index.php\/regimenes-tributarios\/regimen-general.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Servicio de Impuestos Nacionales<\/a><!--TgQPHd|[[&quot;https:\/\/siatinfo.impuestos.gob.bo\/index.php\/regimenes-tributarios\/regimen-general&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;R\u00e9gimen General - Siat - Impuestos Nacionales&quot;,&quot;Los contribuyentes inscritos en este r\u00e9gimen son clasificados, seg\u00fan sus caracter\u00edsticas y criterios t\u00e9cnicos definidos por la Administraci\u00f3n Tributaria, en tres categor\u00edas: PRICOS (Principales Contribuyentes) GRACOS (Grandes Contribuyentes) RESTO (Otros contribuyentes)&quot;,null,&quot;Impuestos Nacionales&quot;,&quot;https:\/\/encrypted-tbn0.gstatic.com\/faviconV2?url\\u003dhttps:\/\/siatinfo.impuestos.gob.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603318124500,112792985,2332900000],null,null,null,null,[[2,0,2,127]]]]]--><\/span>, se clasifican en:<!--TgQPHd|[]--><\/span>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgmEAM\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">PRICOS:<!--TgQPHd|[]--><\/strong> Principales Contribuyentes.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgmEAQ\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">GRACOS:<!--TgQPHd|[]--><\/strong> Grandes Contribuyentes.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgmEAU\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">RESTO:<!--TgQPHd|[]--><\/strong> Otros contribuyentes.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/regimenes-tributarios\/regimen-general\">1<\/a>, <a href=\"https:\/\/www.tiktok.com\/@culturatributariabolivia\/video\/7250989039245987077\">2<\/a>, <a href=\"https:\/\/www.tiktok.com\/@escuelaeicap\/video\/7506537933642435846\">3<\/a>, <a href=\"https:\/\/www.tiktok.com\/@luz_colque\/video\/7363815493893164294\">4<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<p><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Reg\u00edmenes Especiales (NIT Amarillo) [<a href=\"https:\/\/www.tiktok.com\/@luz_colque\/video\/7363815493893164294\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgoEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Orientado a peque\u00f1os contribuyentes con actividades espec\u00edficas, no emiten factura y tienen cuotas fijas bimestrales. [<a href=\"https:\/\/www.tiktok.com\/@escuelaeicap\/video\/7506537933642435846\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgpEAA\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_2b\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"GI370e\" href=\"https:\/\/www.google.com\/search?q=R%C3%A9gimen+Tributario+Simplificado+%28RTS%29&amp;rlz=1C1ALOY_esBO1061BO1061&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABgTGBYYHjIKCAIQABgTGBYYHjIHCAMQABjvBTIKCAQQABiABBiiBDIHCAUQABjvBdIBCDMwMDZqMGo3qAIIsAIB8QW2hSFO8mYpAw&amp;sourceid=chrome&amp;ie=UTF-8&amp;fbs=ADc_l-aN0CWEZBOHjofHoaMMDiKpaEWjvZ2Py1XXV8d8KvlI3jljrY5CkLlk8Dq3IvwBz-SJyfRX_inP-J3Cs9lQZu9J-w-s39WMlkYCuZrBZDnSTW3Onu82Nn4NWR3Try7MCh9wT3KfjGVEX2ryE9u0f3Za6Pl4B3qFdE6USzUwcR-AAmNPd8YYzJUv4FPidDTQGxfwyxR_&amp;aep=10&amp;ntc=1&amp;mstk=AUtExfAIrCVv3f3qBr3wn3XideTX4ewNh1DFXlhQlTbAZwsLnz_5St36GGVtxHH0nsO5Rf-iBhsxd4TEGivq6XzRpltPeGqh_t_sz8aJpFN1v8mauRu7CPzNhxhqsNq8vp_pIDr0paJrpobHKXjnpAPDv8VeoG2sipY&amp;aioh=3&amp;csuir=1&amp;cs=0&amp;ccb=1&amp;hl=en-US&amp;biw=1920&amp;bih=911&amp;mtid=NlUDaoDUH5qDhuMPi9nXwAk&amp;csui=3&amp;ved=2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQAQ\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQAQ\" data-hveid=\"CAIIAAgpEAE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: underline 8% dotted rgb(86, 89, 94); border-bottom: 0px rgb(10, 10, 10);\">R\u00e9gimen Tributario Simplificado (RTS)<\/a><!--TgQPHd|[]--><\/span>:<!--TgQPHd|[]--><\/strong> Artesanos, vivanderos y comerciantes minoristas.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgpEAI\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_2g\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"GI370e\" href=\"https:\/\/www.google.com\/search?q=Sistema+Tributario+Integrado+%28STI%29&amp;rlz=1C1ALOY_esBO1061BO1061&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABgTGBYYHjIKCAIQABgTGBYYHjIHCAMQABjvBTIKCAQQABiABBiiBDIHCAUQABjvBdIBCDMwMDZqMGo3qAIIsAIB8QW2hSFO8mYpAw&amp;sourceid=chrome&amp;ie=UTF-8&amp;fbs=ADc_l-aN0CWEZBOHjofHoaMMDiKpaEWjvZ2Py1XXV8d8KvlI3jljrY5CkLlk8Dq3IvwBz-SJyfRX_inP-J3Cs9lQZu9J-w-s39WMlkYCuZrBZDnSTW3Onu82Nn4NWR3Try7MCh9wT3KfjGVEX2ryE9u0f3Za6Pl4B3qFdE6USzUwcR-AAmNPd8YYzJUv4FPidDTQGxfwyxR_&amp;aep=10&amp;ntc=1&amp;mstk=AUtExfAIrCVv3f3qBr3wn3XideTX4ewNh1DFXlhQlTbAZwsLnz_5St36GGVtxHH0nsO5Rf-iBhsxd4TEGivq6XzRpltPeGqh_t_sz8aJpFN1v8mauRu7CPzNhxhqsNq8vp_pIDr0paJrpobHKXjnpAPDv8VeoG2sipY&amp;aioh=3&amp;csuir=1&amp;cs=0&amp;ccb=1&amp;hl=en-US&amp;biw=1920&amp;bih=911&amp;mtid=NlUDaoDUH5qDhuMPi9nXwAk&amp;csui=3&amp;ved=2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQAw\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQAw\" data-hveid=\"CAIIAAgpEAM\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: underline 8% dotted rgb(86, 89, 94); border-bottom: 0px rgb(10, 10, 10);\">Sistema Tributario Integrado (STI)<\/a><!--TgQPHd|[]--><\/span>:<!--TgQPHd|[]--><\/strong> Transportistas urbanos e interprovinciales.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgpEAQ\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_2l\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"GI370e\" href=\"https:\/\/www.google.com\/search?q=R%C3%A9gimen+Agropecuario+Unificado+%28RAU%29&amp;rlz=1C1ALOY_esBO1061BO1061&amp;gs_lcrp=EgZjaHJvbWUyBggAEEUYOTIKCAEQABgTGBYYHjIKCAIQABgTGBYYHjIHCAMQABjvBTIKCAQQABiABBiiBDIHCAUQABjvBdIBCDMwMDZqMGo3qAIIsAIB8QW2hSFO8mYpAw&amp;sourceid=chrome&amp;ie=UTF-8&amp;fbs=ADc_l-aN0CWEZBOHjofHoaMMDiKpaEWjvZ2Py1XXV8d8KvlI3jljrY5CkLlk8Dq3IvwBz-SJyfRX_inP-J3Cs9lQZu9J-w-s39WMlkYCuZrBZDnSTW3Onu82Nn4NWR3Try7MCh9wT3KfjGVEX2ryE9u0f3Za6Pl4B3qFdE6USzUwcR-AAmNPd8YYzJUv4FPidDTQGxfwyxR_&amp;aep=10&amp;ntc=1&amp;mstk=AUtExfAIrCVv3f3qBr3wn3XideTX4ewNh1DFXlhQlTbAZwsLnz_5St36GGVtxHH0nsO5Rf-iBhsxd4TEGivq6XzRpltPeGqh_t_sz8aJpFN1v8mauRu7CPzNhxhqsNq8vp_pIDr0paJrpobHKXjnpAPDv8VeoG2sipY&amp;aioh=3&amp;csuir=1&amp;cs=0&amp;ccb=1&amp;hl=en-US&amp;biw=1920&amp;bih=911&amp;mtid=NlUDaoDUH5qDhuMPi9nXwAk&amp;csui=3&amp;ved=2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQBQ\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQgK4QeggIAggACCkQBQ\" data-hveid=\"CAIIAAgpEAU\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: underline 8% dotted rgb(86, 89, 94); border-bottom: 0px rgb(10, 10, 10);\">R\u00e9gimen Agropecuario Unificado (RAU)<\/a><!--TgQPHd|[]--><\/span>:<!--TgQPHd|[]--><\/strong> Actividades agr\u00edcolas o pecuarias.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/tipos-de-contribuyentes\">1<\/a>, <a href=\"https:\/\/www.lexivox.org\/norms\/BO-DS-24484.html\">2<\/a>, <a href=\"https:\/\/www.tiktok.com\/@sinbolivia\/video\/7372000977618013446\">3<\/a>, <a href=\"https:\/\/www.tiktok.com\/@sinbolivia\/video\/7291668268346035462\">4<\/a>, <a href=\"https:\/\/www.facebook.com\/culturatributariabolivia\/posts\/vencimientos-el-sistema-tributario-integrado-sti-es-el-r%C3%A9gimen-en-el-que-deben-i\/206720121572420\/\">5<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tipos de Contribuyente<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgrEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El NIT se asigna tambi\u00e9n seg\u00fan la estructura legal:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgsEAA\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Persona Natural:<!--TgQPHd|[]--><\/strong> A nombre de un individuo.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgsEAE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Empresa Unipersonal:<!--TgQPHd|[]--><\/strong> Un solo due\u00f1o, pero con enfoque empresarial.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgsEAI\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Persona Jur\u00eddica:<!--TgQPHd|[]--><\/strong> Sociedades (S.R.L., S.A., etc.).<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.sri.gob.ec\/o\/sri-portlet-biblioteca-alfresco-internet\/descargar\/345021c7-4dc4-4a79-991b-bdc14f66105d\/GUIA-PERSONAS-NATURALES.pdf\">1<\/a>, <a href=\"https:\/\/bailey-legal-service.com\/tipos-de-nit-en-bolivia\/\">2<\/a>, <a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/requisitos-para-la-inscripcion\/conceptos-generales\/generacion-del-nit\">3<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAIIAAgtEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Dato clave:<!--TgQPHd|[]--><\/strong> Una persona puede tener dos NITs (uno personal y otro unipersonal) para distintas actividades econ\u00f3micas. [<a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/requisitos-para-la-inscripcion\/conceptos-generales\/generacion-del-nit\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div data-xid=\"Gd7Hsc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_6d\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"DBd2Wb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 4px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ofHStc qmNpEc\" data-container-id=\"rhs-col\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQ3aYQeggIAggACBwQAw\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: -80px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"oRipZb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"jKhXsc notranslate\" dir=\"ltr\" data-animation-skip=\"\" data-xid=\"aim-aside-initial-corroboration-container\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"sDZBve_9k,sDZBve_9l\" data-sfc-cb=\"\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"BTkBWc\" data-ved=\"2ahUKEwjUv-TXlbSUAxWZFbkGHaA6DYsQ_YQPeggIAggACDAQAA\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<p>Yo soy desarrollador web, programador. Voy a brindar servicios en modalidad de consultor\u00eda a una empresa. Que tipo de nit me conviene sacar para que mis ingresos por este rubro puedan ser v\u00e1lidos al momento de solicitar un cr\u00e9dito en el banco<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-wiz-attrbind=\"class=iJuQY_0\/eNqxgb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"rKjyK SYsscd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-mq=\"Yo soy desarrollador web, programador. Voy a brindar servicios en modalidad de consultor\u00eda a una empresa. Que tipo de nit me conviene sacar para que mis ingresos por este rubro puedan ser v\u00e1lidos al momento de solicitar un cr\u00e9dito en el banco\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-sfc-root=\"c\" data-wiz-uids=\"iJuQY_3e,iJuQY_3f,iJuQY_3g,iJuQY_3h,iJuQY_3i,iJuQY_3j\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div aria-hidden=\"false\" data-animation-skip=\"\" data-ved=\"2ahUKEwi3-ODXlbSUAxX4P7kGHZgVPO8Q_sYPegYIAggBEBs\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"l1LGWd\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\" aria-label=\"Expand query preview\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 32px 0px 0px 8px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"eacPZd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 2px; text-decoration: none; border-bottom: 0px rgb(128, 133, 140);\"><!--TgQPHd|[]--><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><!--qkimaf iJuQY_3d\/nkGDxf--><!--cqw1tb iJuQY_3d\/nkGDxf--><\/p>\n<div class=\"dcCF7d\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para tu caso como desarrollador web que busca ser sujeto de cr\u00e9dito en un banco en Bolivia, te conviene inscribirte como <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Profesional Independiente<\/strong> (dentro del R\u00e9gimen General) o como <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Empresa Unipersonal<\/strong>, dependiendo de la magnitud de tus contratos y si planeas contratar personal o tener una oficina.<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb erqCcf\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div id=\"ow5\" class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"GVubQd_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjel57YlbSUAxXbFLkGHbyaJjYQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjel57YlbSUAxXbFLkGHbyaJjYQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aqu\u00ed te detallo por qu\u00e9 estas opciones son las mejores para fines bancarios:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. NIT de Profesional Independiente<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Es la opci\u00f3n m\u00e1s com\u00fan y sencilla para consultores. Te permite demostrar ingresos mediante la <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">emisi\u00f3n de facturas<!--TgQPHd|[]--><\/strong> y tus declaraciones de impuestos.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Impuestos:<!--TgQPHd|[]--><\/strong> Pagas el IVA (13%) y el IT (3%) mensualmente, y el RC-IVA (13%) trimestralmente.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ventaja Bancaria:<!--TgQPHd|[]--><\/strong> Los bancos validan tus ingresos a trav\u00e9s de tus formularios 200 (IVA) y 400 (IT) de los \u00faltimos 6 a 12 meses. Al emitir factura por tus servicios de programaci\u00f3n, dejas una &#8220;huella financiera&#8221; oficial que el banco puede verificar f\u00e1cilmente.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Reciente beneficio:<!--TgQPHd|[]--><\/strong> Con normativas recientes como el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/www.facebook.com\/EconomiaBo\/videos\/-tus-facturas-ahora-cuentancon-el-decreto-supremo-5563-los-profesionales-indepen\/965229765875263\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAICxAD\" aria-label=\"DS 5563. Link preview. Site: Facebook. Title: Tus facturas ahora cuentan Con el Decreto | Ministerio de Econom\u00eda y .... URL: https:\/\/www.facebook.com\/EconomiaBo\/videos\/-tus-facturas-ahora-cuentancon-el-decreto-supremo-5563-los-profesionales-indepen\/965229765875263\/.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">DS 5563<\/a><!--TgQPHd|[[&quot;https:\/\/www.facebook.com\/EconomiaBo\/videos\/-tus-facturas-ahora-cuentancon-el-decreto-supremo-5563-los-profesionales-indepen\/965229765875263\/&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Tus facturas ahora cuentan Con el Decreto | Ministerio de Econom\u00eda y ...&quot;,&quot;\ud83d\udca1 Tus facturas ahora cuentan Con el Decreto Supremo 5563, los profesionales independientes pueden usar facturas de salud, alimentaci\u00f3n y vestimenta para descargar impuestos. Menos presi\u00f3n tributaria y m\u00e1s beneficios para tu econom\u00eda.&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/images?q\\u003dtbn:ANd9GcSjdvm45DF1dSJWHf5IYjr_1ubzXSBaXU-_IOkNaqcCRRBxfSAXKSfZwWcxBbXLM3t8236Ep1111X_QWNlu4Q&quot;,&quot;Facebook&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.facebook.com\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603319069662,112792795,908499644],null,null,null,null,[[0,9,127]]]]]--><\/span>, ahora puedes usar facturas de salud, alimentaci\u00f3n y vestimenta para descargar tu RC-IVA.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.facebook.com\/culturatributariabolivia\/videos\/tutorial-formulario-610-rc-iva-contribuyentes-directos-los-profesionales-indepen\/1836005837003077\/\">1<\/a>, <a href=\"https:\/\/www.vision360.bo\/noticias\/2026\/03\/04\/40945-paso-a-paso-como-deben-pagar-sus-impuestos-los-profesionales-independientes-segun-el-ds-5563\">2<\/a>, <a href=\"https:\/\/www.facebook.com\/EconomiaBo\/videos\/-tus-facturas-ahora-cuentancon-el-decreto-supremo-5563-los-profesionales-indepen\/965229765875263\/\">3<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. NIT de Empresa Unipersonal<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Te conviene si tus proyectos son muy grandes, tienes activos (servidores, equipos caros) o piensas subcontratar a otros desarrolladores.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIExAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Impuestos:<!--TgQPHd|[]--><\/strong> Pagas IVA, IT y el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">IUE (25%)<!--TgQPHd|[]--><\/strong> anual sobre tu utilidad neta.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIExAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ventaja Bancaria:<!--TgQPHd|[]--><\/strong> Te posiciona como una unidad de negocio s\u00f3lida. Los bancos suelen pedir balances financieros firmados por un contador, lo cual da mucha m\u00e1s fuerza a tu solicitud de cr\u00e9dito empresarial o de vivienda.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/tipos-de-contribuyentes\/persona-natural\">1<\/a>, <a href=\"https:\/\/www.vision360.bo\/noticias\/2026\/03\/04\/40945-paso-a-paso-como-deben-pagar-sus-impuestos-los-profesionales-independientes-segun-el-ds-5563\">2<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3. \u00bfPor qu\u00e9 NO el NIT de &#8220;Consultor en L\u00ednea&#8221;?<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aunque existe el NIT de <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIGBAB\" data-processed=\"true\" aria-label=\"Consultor en L\u00ednea. Link preview. Site: Bolivia Impuestos Blog. Title: Formulario 610 Consultor en l\u00ednea del sector p\u00fablico, c\u00f3mo .... URL: https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Consultor en L\u00ednea<\/a><!--TgQPHd|[[&quot;https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Formulario 610 Consultor en l\u00ednea del sector p\u00fablico, c\u00f3mo ...&quot;,&quot;... la entidad convocante solicitar\u00e1 a los consultores contratados el N\u00famero de Identificaci\u00f3n Tributaria (NIT) de registro en el Servicio de Impuestos Nacionales como contribuyentes directos del RC-IVA, siendo responsabilidad del consultor presentar la declaraci\u00f3n jurada trimestral al Servicio de Impuestos Nacionales. Los consultores en l\u00ednea no emiten factura o no est\u00e1n obligados. En cambio los consultores por producto s\u00ed deben emitir factura. Inscripci\u00f3n con un N\u00famero de Identificaci\u00f3n Tributaria (NIT). Los consultores del sector p\u00fablico, personal contratado por organismos internacionales y\/o misiones diplom\u00e1ticas y similares deben dirigirse a la Gerencia Distrital de su jurisdicci\u00f3n (Plataforma de ...&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/images?q\\u003dtbn:ANd9GcSZIms1KM5Uq8FLYJSXaLFo9xjjUrtbgI78QSTaxQUN1bAruaN6E8rSTzkR8U-JapGqg4yuRzCe0tbHoaby_w&quot;,&quot;Bolivia Impuestos Blog&quot;,&quot;https:\/\/encrypted-tbn1.gstatic.com\/faviconV2?url\\u003dhttps:\/\/boliviaimpuestos.com\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603319069662,112792795,908499644],null,null,null,null,[[0,21,127]]]]]--><\/span> (Formulario 610), este suele estar reservado para contratos espec\u00edficos con el sector p\u00fablico u organismos internacionales donde no se emite factura. Para un banco, un consultor que <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">emite factura<!--TgQPHd|[]--><\/strong> (Profesional Independiente) suele ser percibido como alguien con ingresos m\u00e1s estables y diversificados. [<a href=\"https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Recomendaciones para tu Cr\u00e9dito:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHRAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Antig\u00fcedad:<!--TgQPHd|[]--><\/strong> La mayor\u00eda de los bancos en Bolivia (como el Banco Uni\u00f3n<!--TgQPHd|[]--> o el Banco Mercantil Santa Cruz<!--TgQPHd|[]-->) te pedir\u00e1n al menos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1 a\u00f1o de antig\u00fcedad<!--TgQPHd|[]--><\/strong> con tu NIT activo y declaraciones sin interrupciones.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHRAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aportes a la Gestora:<!--TgQPHd|[]--><\/strong> Realizar aportes voluntarios a la <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/www.gestora.bo\/archivos\/bajar?id=3089\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIHRAC\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Gestora P\u00fablica<\/a><!--TgQPHd|[[&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Trabajamos para ti y tu familia - Gestora P\u00fablica&quot;,&quot;Consultor de L\u00ednea: Es la persona natural que presta servicios de consultor\u00eda en el sector p\u00fablico conforme lo dispuesto por las NB-SABS.&quot;,&quot;https:\/\/encrypted-tbn1.gstatic.com\/images?q\\u003dtbn:ANd9GcQj9evaanExAO201W1KiIcODyt6zOZa0JYxpa9V9vywnf2NGs01A82_KEZEtE37qPGYMUGkq3QhLkbRxVOPTA&quot;,&quot;Gestora P\u00fablica&quot;,&quot;https:\/\/encrypted-tbn0.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.gestora.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603319069662,112792795,908499644],null,null,null,null,[[0,26,127]]]]]--><\/span> como trabajador independiente tambi\u00e9n refuerza tu perfil de estabilidad ante el banco.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.gestora.bo\/archivos\/bajar?id=3089\">1<\/a>]<!--TgQPHd|[]-->\n<div class=\"w6SxZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"w8lk7d\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Q0KhBf\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 0px 202.422px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div id=\"snui-atr-N1UDap6gBNup5OUPvLWasQM_51\" class=\"xXnAhe\" tabindex=\"0\" role=\"button\" aria-describedby=\"N1UDap6gBNup5OUPvLWasQM_48\" aria-label=\"About this result\" data-sfc-root=\"c\" data-sfc-cb=\"Yixvuc=&amp;GVubQd_9b:keyFje\" data-ved=\"2ahUKEwjel57YlbSUAxXbFLkGHbyaJjYQ980PegYIAAgsEA0\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><!--TgQPHd|[]--><\/div>\n<p><!--TgQPHd|[[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,null,null,null,null,[null,null,null,null,null,null,[null,null,null,&quot;\/search\/about-this-result?origin\\u003dwww.google.com\\u0026req\\u003dCi1odHRwczovL3d3dy5nZXN0b3JhLmJvL2FyY2hpdm9zL2JhamFyP2lkPTMwODkSLgoiCgIIcQocCF1iGAoMY291bnRyeV9uYW1lEghQYXJhd2F5aRIECgIIRxoCCAAaACICEAFIAFgAaAA\\u0026hl\\u003den-BO\\u0026gl\\u003dBO&quot;],&quot;https:\/\/www.google.com&quot;],null,null,null,null,null,null,null,null,[&quot;Trabajamos para ti y tu familia - 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Gestora P\u00fablica&quot;,&quot;Consultor de L\u00ednea: Es la persona natural que presta servicios de consultor\u00eda en el sector p\u00fablico conforme lo dispuesto por las N...&quot;,&quot;https:\/\/encrypted-tbn0.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.gestora.bo\\u0026client\\u003dAIM\\u0026size\\u003d128\\u0026type\\u003dFAVICON\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,&quot;https:\/\/www.gestora.bo&quot;,[&quot;Gestora P\u00fablica&quot;],&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,null,null,&quot;46&quot;,null,[110,null,null,null,null,null,null,null,1],[&quot;https:\/\/encrypted-tbn1.gstatic.com\/images?q\\u003dtbn:ANd9GcSsS75tqEmlhdC2AIRMwy5zrWSBVh3ERywXN2uSzfEikBUBxjLs&quot;,&quot;&quot;,[null,2],null,null,165,305,&quot;iZQK&quot;],0,null,null,0,null,0,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,null,null,null,null,[null,null,null,null,null,null,[null,null,null,&quot;\/search\/about-this-result?origin\\u003dwww.google.com\\u0026req\\u003dCi1odHRwczovL3d3dy5nZXN0b3JhLmJvL2FyY2hpdm9zL2JhamFyP2lkPTMwODkSLgoiCgIIcQocCF1iGAoMY291bnRyeV9uYW1lEghQYXJhd2F5aRIECgIIRxoCCAAaACICEAFIAFgAaAA\\u0026hl\\u003den-BO\\u0026gl\\u003dBO&quot;],&quot;https:\/\/www.google.com&quot;],null,null,null,null,null,null,null,null,[&quot;Trabajamos para ti y tu familia - Gestora P\u00fablica&quot;,&quot;Consultor de L\u00ednea: Es la persona natural que presta servicios de consultor\u00eda en el sector p\u00fablico conforme lo dispuesto por las NB-SABS.&quot;,&quot;Gestora P\u00fablica&quot;,&quot;https:\/\/encrypted-tbn0.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.gestora.bo\\u0026client\\u003dAIM\\u0026size\\u003d128\\u0026type\\u003dFAVICON\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;],[null,1,[null,null,5,null,&quot;Trabajamos para ti y tu familia - Gestora P\u00fablica&quot;,null,&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;],[&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,&quot;Trabajamos para ti y tu familia - Gestora P\u00fablica&quot;,&quot;Consultor de L\u00ednea: Es la persona natural que presta servicios de consultor\u00eda en el sector p\u00fablico conforme lo dispuesto por las NB-SABS.&quot;,1,&quot;en&quot;,&quot;BO&quot;,[null,0,null,null,&quot;rodrikgerman@gmail.com&quot;],&quot;\/s?tbm\\u003dmap\\u0026gs_ri\\u003dmaps\\u0026suggest\\u003dp&quot;,&quot;AKPOr1TOFja-QAixm2iH41F-arD0OAQrVw:1778603319090&quot;,&quot;Gestora P\u00fablica&quot;],null,null,null,[&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,null,null,null,38,&quot;Source: Gestora P\u00fablica&quot;],3,[null,null,null,&quot;sge_f3a9a19e-ade7-43f8-9f15-86032b72518c&quot;,null,1,null,null,null,null,null,5297367,&quot;AIM&quot;,[null,null,null,null,null,null,null,[[&quot;feedback_entrypoint&quot;,&quot;sge_msaf_action&quot;]],null,null,null,null,null,null,null,null,null,null,null,null,&quot;MAGI_FEATURE&quot;,[&quot;https:\/\/www.gestora.bo\/archivos\/bajar?id\\u003d3089&quot;,&quot;BLUR&quot;,0,0]],null,null,null,null,null,135,null,null,null,null,null,null,null,1,1,null,1]]],0,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,null,0,null,null,[],null,0,null,null,&quot;&quot;,[[1,&quot;Gestora P\u00fablica&quot;]]]]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<\/div>\n<\/div>\n<div class=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ofHStc qmNpEc\" data-container-id=\"rhs-col\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjel57YlbSUAxXbFLkGHbyaJjYQ3aYQegYIAAgBEAI\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: -80px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"oRipZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"jKhXsc notranslate\" dir=\"ltr\" data-animation-skip=\"\" data-xid=\"aim-aside-initial-corroboration-container\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"GVubQd_8e,GVubQd_8f\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"BTkBWc\" data-ved=\"2ahUKEwjel57YlbSUAxXbFLkGHbyaJjYQ_YQPegYIAAgsEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"qnIdo\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-xid=\"aQR2uf\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Yo soy ya jubilado, pero inici\u00e9 este trabajo como independiente. Debo igual realizar aportes a la gestora?<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahcKEwiwyOLYlbSUAxUAAAAAHQAAAAAQTw\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"fDntdd_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi7x6aXlrSUAxWzppUCHYgAIaYQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi7x6aXlrSUAxWzppUCHYgAIaYQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">No est\u00e1s obligado a realizar aportes a la <span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Gestora P\u00fablica<!--TgQPHd|[]--><\/span> por tus ingresos como trabajador independiente si ya eres jubilado. De hecho, los asegurados independientes <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">mayores de 65 a\u00f1os<!--TgQPHd|[]--><\/strong> dejan de pagar primas por Riesgo Com\u00fan y Riesgo Laboral. [<a href=\"https:\/\/www.gestora.bo\/archivos\/bajar?id=4114\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Sin embargo, para tu objetivo espec\u00edfico de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">solicitar un cr\u00e9dito bancario<!--TgQPHd|[]--><\/strong>, debes considerar lo siguiente:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aportes Voluntarios como Respaldo:<!--TgQPHd|[]--><\/strong> Aunque no es obligatorio, algunos bancos valoran que el solicitante contin\u00fae aportando de forma voluntaria. Esto demuestra que tienes capacidad de ahorro y que tu actividad genera excedentes estables. Si decides aportar, el porcentaje suele ser del <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">14,42%<!--TgQPHd|[]--><\/strong> sobre tu ingreso declarado.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Compatibilidad con tu pensi\u00f3n:<!--TgQPHd|[]--><\/strong> Puedes seguir trabajando y percibiendo ingresos sin perder tu jubilaci\u00f3n. Solo en casos espec\u00edficos de la &#8220;Pensi\u00f3n Solidaria de Vejez&#8221;, esta podr\u00eda suspenderse temporalmente si vuelves a trabajar en el sector p\u00fablico o privado con relaci\u00f3n de dependencia, pero como <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">consultor independiente<!--TgQPHd|[]--><\/strong> (R\u00e9gimen General) no suele haber restricciones para tu renta de jubilado.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Seguro de Salud:<!--TgQPHd|[]--><\/strong> Al ser jubilado, ya cuentas con seguro de salud (Caja). Como independiente, no necesitas realizar aportes adicionales a una caja de salud para validar tu actividad ante el banco; tus facturas y formularios de impuestos (IVA\/IT) son el respaldo de ingresos m\u00e1s importante.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.gestora.bo\/archivos\/bajar?id=4114\">1<\/a>, <a href=\"https:\/\/www.gestora.bo\/archivos\/bajar?id=4090\">2<\/a>, <a href=\"https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/\">3<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">En resumen:<!--TgQPHd|[]--><\/strong> No es obligatorio aportar a la Gestora para trabajar, pero para el banco, el respaldo &#8220;estrella&#8221; ser\u00e1n tus <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u00faltimas 6 a 12 facturas emitidas<!--TgQPHd|[]--><\/strong> y tus declaraciones de impuestos pagadas a tiempo.<!--TgQPHd|[]--><\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ofHStc qmNpEc\" data-container-id=\"rhs-col\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi7x6aXlrSUAxWzppUCHYgAIaYQ3aYQegYIAAgBEAI\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: -80px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"oRipZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"jKhXsc notranslate\" dir=\"ltr\" data-animation-skip=\"\" data-xid=\"aim-aside-initial-corroboration-container\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"fDntdd_60,fDntdd_61\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"BTkBWc\" data-ved=\"2ahUKEwi7x6aXlrSUAxWzppUCHYgAIaYQ_YQPegYIAAgYEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"MFrAxb BKnikc\" data-src-id=\"37\" data-src-fp=\"false\" data-crb-el=\"kXllB\" data-crb-gbl=\"false\" data-sfc-root=\"c\" data-wiz-uids=\"fDntdd_6t\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi7x6aXlrSUAxWzppUCHYgAIaYQqIcPegYIAAgYEAo\" data-hveid=\"CAAIGBAK\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"w6SxZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; 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font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><!--TgQPHd|[]--><\/div>\n<p><!--TgQPHd|[[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,null,null,null,null,[null,null,null,null,null,null,[null,null,null,&quot;\/search\/about-this-result?origin\\u003dwww.google.com\\u0026req\\u003dCldodHRwczovL3d3dy5mYWNlYm9vay5jb20vdmljZW1pbmNvbS92aWRlb3MvbGV5LWRlLXBlbnNpb25lcy1lbi1ib2xpdmlhLzc5MzA3NjI3NjE3MTUzNy8SLgoiCgIIcQocCF1iGAoMY291bnRyeV9uYW1lEghQYXJhd2F5aRIECgIIRxoCCAAaACICEAFIAFgAaAA\\u0026hl\\u003den-BO\\u0026gl\\u003dBO&quot;],&quot;https:\/\/www.google.com&quot;],null,null,null,null,null,null,null,null,[&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en #Bolivia no establece una edad de jubilaci\u00f3n obligatoria; por el contrario, garantiza el derecho al trabajo y mejora las p...&quot;,&quot;Facebook&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.facebook.com\\u0026client\\u003dAIM\\u0026size\\u003d128\\u0026type\\u003dFAVICON\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;],[null,1,[null,null,5,null,&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,null,&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;],[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en #Bolivia no establece una edad de jubilaci\u00f3n obligatoria; por el contrario, garantiza el derecho al trabajo y mejora las p...&quot;,1,&quot;en&quot;,&quot;BO&quot;,[null,0,null,null,&quot;rodrikgerman@gmail.com&quot;],&quot;\/s?tbm\\u003dmap\\u0026gs_ri\\u003dmaps\\u0026suggest\\u003dp&quot;,&quot;AKPOr1TMRLqNQXRPtVf_aBnqdatLndNlTQ:1778603451387&quot;,&quot;Facebook&quot;],null,null,null,[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,null,null,null,38,&quot;Source: Facebook&quot;],3,[null,null,null,&quot;sge_7496f6de-61b6-4c83-b874-801002f40d77&quot;,null,1,null,null,null,null,null,5297367,&quot;AIM&quot;,[null,null,null,null,null,null,null,[[&quot;feedback_entrypoint&quot;,&quot;sge_msaf_action&quot;]],null,null,null,null,null,null,null,null,null,null,null,null,&quot;MAGI_FEATURE&quot;,[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,&quot;BLUR&quot;,0,0]],null,null,null,null,null,135,null,null,null,null,null,null,null,1,1,null,1]]]]--><\/div>\n<\/div>\n<\/div>\n<p><!--TgQPHd|[[&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en #Bolivia no establece una edad de jubilaci\u00f3n obligatoria; por el contrario, garantiza el ...&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.facebook.com\\u0026client\\u003dAIM\\u0026size\\u003d128\\u0026type\\u003dFAVICON\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,&quot;https:\/\/www.facebook.com&quot;,[&quot;Facebook&quot;],&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,null,null,&quot;37&quot;,null,[110,null,null,null,null,null,null,null,1],[&quot;https:\/\/encrypted-tbn3.gstatic.com\/images?q\\u003dtbn:ANd9GcSEnVaWwPPqFPxPep29NZRY6PwLNJjQdPIAO7EB4uubYeFApOWL&quot;,&quot;&quot;,[null,2],null,null,300,168,&quot;kVSahyIJ&quot;],0,null,null,0,null,0,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,null,null,null,null,[null,null,null,null,null,null,[null,null,null,&quot;\/search\/about-this-result?origin\\u003dwww.google.com\\u0026req\\u003dCldodHRwczovL3d3dy5mYWNlYm9vay5jb20vdmljZW1pbmNvbS92aWRlb3MvbGV5LWRlLXBlbnNpb25lcy1lbi1ib2xpdmlhLzc5MzA3NjI3NjE3MTUzNy8SLgoiCgIIcQocCF1iGAoMY291bnRyeV9uYW1lEghQYXJhd2F5aRIECgIIRxoCCAAaACICEAFIAFgAaAA\\u0026hl\\u003den-BO\\u0026gl\\u003dBO&quot;],&quot;https:\/\/www.google.com&quot;],null,null,null,null,null,null,null,null,[&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en #Bolivia no establece una edad de jubilaci\u00f3n obligatoria; por el contrario, garantiza el derecho al trabajo y mejora las p...&quot;,&quot;Facebook&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.facebook.com\\u0026client\\u003dAIM\\u0026size\\u003d128\\u0026type\\u003dFAVICON\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;],[null,1,[null,null,5,null,&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,null,&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;],[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en - #Bolivia - Facebook&quot;,&quot;La modificaci\u00f3n a la Ley de Pensiones en #Bolivia no establece una edad de jubilaci\u00f3n obligatoria; por el contrario, garantiza el derecho al trabajo y mejora las p...&quot;,1,&quot;en&quot;,&quot;BO&quot;,[null,0,null,null,&quot;rodrikgerman@gmail.com&quot;],&quot;\/s?tbm\\u003dmap\\u0026gs_ri\\u003dmaps\\u0026suggest\\u003dp&quot;,&quot;AKPOr1TMRLqNQXRPtVf_aBnqdatLndNlTQ:1778603451387&quot;,&quot;Facebook&quot;],null,null,null,[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,null,null,null,38,&quot;Source: Facebook&quot;],3,[null,null,null,&quot;sge_7496f6de-61b6-4c83-b874-801002f40d77&quot;,null,1,null,null,null,null,null,5297367,&quot;AIM&quot;,[null,null,null,null,null,null,null,[[&quot;feedback_entrypoint&quot;,&quot;sge_msaf_action&quot;]],null,null,null,null,null,null,null,null,null,null,null,null,&quot;MAGI_FEATURE&quot;,[&quot;https:\/\/www.facebook.com\/vicemincom\/videos\/ley-de-pensiones-en-bolivia\/793076276171537\/&quot;,&quot;BLUR&quot;,0,0]],null,null,null,null,null,135,null,null,null,null,null,null,null,1,1,null,1]]],0,null,null,null,null,null,null,0,null,null,null,null,null,null,null,null,&quot;Feb 18, 2024&quot;,0,null,null,[],null,0,null,null,&quot;&quot;,[[1,&quot;Facebook&quot;]]]]--><\/div>\n<\/div>\n<p><!--TgQPHd|[[3,0]]--><\/div>\n<\/div>\n<p><!--TgQPHd|[[0,0]]--><\/div>\n<p><!--TgQPHd|[]--><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQgwE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">NIT de Profesional Independiente, Hasme una tabla considerando un ingreso mensual de 15000 Bs. que impuestos debo pagar<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"QnSeRb_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para un ingreso mensual de \\(15,000\\) Bs como <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Profesional Independiente<!--TgQPHd|[]--><\/strong>, estar\u00e1s sujeto a tres impuestos principales. Es importante notar que desde 2023, los profesionales independientes ya no pagan el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIBxAC\" data-processed=\"true\" aria-label=\"IUE (25%). Link preview. Site: Ferrere. Title: Profesionales independientes son incluidos en el r\u00e9gimen RC-IVA. URL: https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">IUE (25%)<\/a><!--TgQPHd|[[&quot;https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Profesionales independientes son incluidos en el r\u00e9gimen RC-IVA&quot;,&quot;Contra el impuesto a pagar, estos contribuyentes podr\u00e1n imputar como pago a cuenta: El 13% de toda factura legalmente emitida, independientemente de que est\u00e9 o no relacionada al rubro de su profesi\u00f3n. El 13% de dos salarios m\u00ednimos nacionales (Bs. 2.250,00 para la gesti\u00f3n 2022).&quot;,null,&quot;Ferrere&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.ferrere.com\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603775693624,43363558,1529619193],null,null,null,null,[[0,5,127]]]]]--><\/span>, sino que tributan el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">RC-IVA<!--TgQPHd|[]--><\/strong> de forma trimestral. [<a href=\"https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">A continuaci\u00f3n, presento el detalle de tus obligaciones fiscales mensuales y trimestrales:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Resumen de Impuestos (Ingreso: 15,000 Bs\/mes)<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"Fv6NCb\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQ-q4QegYIAAgOEAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 4px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<table class=\"NRefec\" data-animation-nesting=\"\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<tbody data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Impuesto [<a href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20SUPREMO%20N%205563.pdf\">1<\/a>, <a href=\"https:\/\/repositorio.umsa.bo\/xmlui\/bitstream\/handle\/123456789\/14631\/DIP-TRIB-039%20IMPUESTO%20A%20LAS%20TRANSACCIONES%20SOBRE%20IMPUESTOS%20AL%20VALOR%20AGREGADO%20EN%20CONTRIBUYENTES%20DE%20REGIMEN%20GENERAL%20DE%20BOLIVIA.pdf?sequence=1\">2<\/a>, <a href=\"https:\/\/www.facebook.com\/EconomiaBo\/videos\/-tus-facturas-ahora-cuentancon-el-decreto-supremo-5563-los-profesionales-indepen\/965229765875263\/\">3<\/a>, <a href=\"https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/\">4<\/a>, <a href=\"https:\/\/siatinfo.impuestos.gob.bo\/index.php\/declaraciones-juradas-en-formato-electronico\/regimen-complementario-al-iva\/610-regimen-complementario-del-iva-contribuyente-directo\">5<\/a>]<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Al\u00edcuota<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Monto Calculado<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Frecuencia<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Formulario<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">\u00bfC\u00f3mo reducirlo?<!--TgQPHd|[]--><\/th>\n<p><!--TgQPHd|[]--><\/tr>\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">IVA<!--TgQPHd|[]--><\/strong> (Valor Agregado)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">\\(13\\%\\)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1,950 Bs<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Mensual<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">200<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Con facturas de gastos vinculados a tu actividad.<!--TgQPHd|[]--><\/td>\n<p><!--TgQPHd|[]--><\/tr>\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">IT<!--TgQPHd|[]--><\/strong> (Transacciones)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">\\(3\\%\\)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">450 Bs<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Mensual<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">400<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">No tiene descargo directo con facturas.<!--TgQPHd|[]--><\/td>\n<p><!--TgQPHd|[]--><\/tr>\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">RC-IVA<!--TgQPHd|[]--><\/strong> (R\u00e9gimen Comp.)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\\(13\\%\\)*<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1,697 Bs<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Trimestral<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">610<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con facturas de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">cualquier tipo<!--TgQPHd|[]--><\/strong> (comida, ropa, salud).<!--TgQPHd|[]--><\/td>\n<p><!--TgQPHd|[]--><\/tr>\n<\/tbody>\n<\/table>\n<p><!--TgQPHd|[[1,0,0,6,null,&quot;&quot;]]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><em class=\"eujQNb\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">*El RC-IVA se calcula sobre el ingreso neto (ingreso total menos el IVA pagado). Para 15,000 Bs, el ingreso neto mensual es de 13,050 Bs.<!--TgQPHd|[]--><\/em> [<a href=\"https:\/\/boliviaimpuestos.com\/profesionales-liberales-u-oficios-rc-iva-610\/\">1<\/a>, <a href=\"https:\/\/www.youtube.com\/shorts\/SgI9sro-NTM\">2<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<hr class=\"j3tEEe\" data-sfc-root=\"c\" data-sfc-pl=\"|[]\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 32px 0px; text-decoration: none; border-bottom: 0px rgb(128, 128, 128);\" \/>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">An\u00e1lisis Detallado de Pagos<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"AdPoic\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. Obligaciones Mensuales (IVA e IT)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIExAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Cada mes debes declarar tus ingresos. Si en un mes facturas \\(15,000\\) Bs:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-processed=\"true\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Impuesto a las Transacciones (IT):<!--TgQPHd|[]--><\/strong> Es un pago directo de \\(450\\) Bs (\\(3\\%\\)).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFBAD\" data-sae=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Impuesto al Valor Agregado (IVA):<!--TgQPHd|[]--><\/strong> El monto nominal es \\(1,950\\) Bs (\\(13\\%\\)). Sin embargo, puedes reducir este pago al \\(0\\) si presentas facturas de compras relacionadas con tu trabajo (ej. internet, equipos, software) por un valor total de \\(15,000\\) Bs.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"AdPoic\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Obligaci\u00f3n Trimestral (RC-IVA)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Este impuesto se declara cada tres meses (enero, abril, julio, octubre) sumando tus ingresos netos del trimestre. [<a href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20PROFESIONALES.pdf\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Beneficio DS 5563:<!--TgQPHd|[]--><\/strong> Recientemente, se aprob\u00f3 el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20SUPREMO%20N%205563.pdf\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIHBAB\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Decreto Supremo 5563<\/a><!--TgQPHd|[[&quot;https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20SUPREMO%20N%205563.pdf&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;decreto supremo - n\u00b0 5563 - Impuestos Nacionales&quot;,&quot;18 DECRETO SUPREMO N\u00b0 5563. Combustible. La compra de combustible para veh\u00edculo de uso personal del contribuyente. Servicios b\u00e1sicos. Pago por servicios de energ\u00eda el\u00e9ctrica, agua potable, gas domiciliario, tel\u00e9fono fijo. Todo otro gasto relacionado a la actividad profesional u oficio realizado por el contribuyente. Las compras y\/o gastos deben estar respaldados con facturas, notas fiscales o documentos equivalentes a nombre del contribuyente. Gastos Vinculados a la Actividad de. Profesionales Independientes u Oficios ...&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/images?q\\u003dtbn:ANd9GcTWeB4HYC8-k41rYkIYDjtlmK08j0Lx5v1--7OJbsQQpvzkA8vCcPeIQFRvawAWB36eH6MSrWilqHlHynskvg&quot;,&quot;Impuestos Nacionales&quot;,&quot;https:\/\/encrypted-tbn1.gstatic.com\/faviconV2?url\\u003dhttps:\/\/sac.impuestos.gob.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778603775693624,43363558,1529619193],null,null,null,null,[[0,25,127]]]]]--><\/span>, que permite a los profesionales independientes descargar este impuesto con facturas de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">consumo personal<!--TgQPHd|[]--><\/strong> como alimentaci\u00f3n, vestimenta y salud.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHBAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Compensaci\u00f3n Extra:<!--TgQPHd|[]--><\/strong> Tambi\u00e9n puedes descontar el \\(13\\%\\) de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">dos salarios m\u00ednimos nacionales<!--TgQPHd|[]--><\/strong> por cada mes del trimestre, lo que reduce significativamente lo que realmente terminas pagando.<!--TgQPHd|[]--><\/span> [, <a href=\"https:\/\/www.facebook.com\/sinbolivia\/videos\/paga-menos-impuestos-si-eres-profesional-independiente-antes-solo-pod%C3%ADas-descarg\/1531006158393763\/\">3<\/a>, <a href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20PROFESIONALES.pdf\">4<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u2705 Conclusi\u00f3n para tu Cr\u00e9dito Bancario<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para el banco, el ingreso que &#8220;vale&#8221; es tu <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ingreso Neto<!--TgQPHd|[]--><\/strong> despu\u00e9s de impuestos. Si logras descargar tu IVA y RC-IVA con facturas, tu ingreso disponible para el banco ser\u00e1 cercano a los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">14,550 Bs<!--TgQPHd|[]--><\/strong> (restando solo el IT), lo cual te otorga una excelente capacidad de pago para un cr\u00e9dito importante.<!--TgQPHd|[]--><\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ofHStc qmNpEc\" data-container-id=\"rhs-col\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQ3aYQegYIAAgBEAI\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: -80px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"oRipZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"jKhXsc notranslate\" dir=\"ltr\" data-animation-skip=\"\" data-xid=\"aim-aside-initial-corroboration-container\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"QnSeRb_aa,QnSeRb_ab\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"BTkBWc\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQ_YQPegYIAAgyEAA\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"MFrAxb BKnikc\" data-src-id=\"34\" data-src-fp=\"false\" data-crb-el=\"kXllB\" data-crb-gbl=\"false\" data-sfc-root=\"c\" data-wiz-uids=\"QnSeRb_b4\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi4pvyxl7SUAxXmrJUCHfkiLFsQqIcPegYIAAgyEAo\" data-hveid=\"CAAIMhAK\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"w6SxZb\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"w8lk7d\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"SWvopd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 2px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Lki2rc\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div aria-hidden=\"true\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"U9BD8 Wsaimf QyEYne\" aria-hidden=\"true\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">para descargar el rc-iva, veo que el monto trimestral es de 1950. Mis facturas porque valor de compras deber\u00edan ser para cumplir el 100%<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQtQE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"l1LGWd\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\" aria-label=\"Expand query preview\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 32px 0px 0px 8px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"Lxv6Lb_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi_h4WVmLSUAxUjs5UCHWtHBf8Q2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwi_h4WVmLSUAxUjs5UCHWtHBf8Q3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para descargar un <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">RC-IVA trimestral de 1,950 Bs<!--TgQPHd|[]--><\/strong> al 100%, necesitas presentar facturas de compra por un valor total de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">15,000 Bs<!--TgQPHd|[]--><\/strong> en el trimestre. [<a href=\"https:\/\/boliviaimpuestos.com\/profesionales-liberales-u-oficios-rc-iva-610\/\">1<\/a>, <a href=\"https:\/\/impuestos.com.bo\/credito-fiscal-para-profesionales-independientes-en-bolivia\/\">2<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Esto se debe a que el descargo funciona mediante el cr\u00e9dito fiscal del <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">13%<!--TgQPHd|[]--><\/strong> contenido en tus facturas. La f\u00f3rmula para determinar el valor de compra necesario es:<br data-sfc-root=\"c\" data-sfc-pl=\"|[]\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\" \/>\\(\\text{Valor\\ de\\ facturas}=\\frac{\\text{Impuesto\\ a\\ pagar}}{\\text{0.13}}\\)<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Desglose del Descargo Trimestral (Formulario 610)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Como Profesional Independiente, cuentas con beneficios autom\u00e1ticos que reducen el monto que realmente debes cubrir con facturas:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Compensaci\u00f3n Autom\u00e1tica:<!--TgQPHd|[]--><\/strong> Por norma, puedes descontar el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">13% de un Salario M\u00ednimo Nacional (SMN)<!--TgQPHd|[]--><\/strong> por cada mes del trimestre sin necesidad de presentar facturas.<!--TgQPHd|[]--><\/span>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">SMN 2026 fijado en 3,300 Bs<!--TgQPHd|[]--><\/strong>, esto equivale a un descuento autom\u00e1tico de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">429 Bs por mes<!--TgQPHd|[]--><\/strong> (1,287 Bs por trimestre).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<p><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Monto Real a Cubrir:<!--TgQPHd|[]--><\/strong> Si tu impuesto determinado es de 1,950 Bs, restando la compensaci\u00f3n autom\u00e1tica de 1,287 Bs, solo te faltar\u00eda cubrir <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">663 Bs<!--TgQPHd|[]--><\/strong> con facturas.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAD\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Compras Necesarias:<!--TgQPHd|[]--><\/strong> Para cubrir esos 663 Bs restantes, solo necesitar\u00edas recolectar facturas por un valor de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">5,100 Bs<!--TgQPHd|[]--><\/strong> en todo el trimestre (aproximadamente 1,700 Bs en compras al mes).<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/mintrabajo.gob.bo\/wp-content\/uploads\/2026\/01\/RM-N%C2%B0-088-26.pdf\">1<\/a>, <a href=\"https:\/\/boliviaimpuestos.com\/calculadora-tributaria-rc-iva-2025-con\/\">2<\/a>, <a href=\"https:\/\/www.facebook.com\/culturatributariabolivia\/videos\/informaci%C3%B3n-c%C3%A1lculo-del-total-ganado-sujeto-al-rc-iva-dependientesaprende-a-real\/1423894886108793\/\">3<\/a>, <a href=\"https:\/\/www.deel.com\/es\/blog\/incremento-salarial-en-bolivia\/\">4<\/a>, <a href=\"https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/\">5<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Datos Clave para tu Gesti\u00f3n:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Validez de Facturas:<!--TgQPHd|[]--><\/strong> Puedes usar facturas de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">cualquier rubro<!--TgQPHd|[]--><\/strong> (comida, ropa, servicios, salud, etc.) siempre que est\u00e9n a tu nombre y con tu n\u00famero de NIT.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Antig\u00fcedad:<!--TgQPHd|[]--><\/strong> Las facturas tienen una validez de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">120 d\u00edas<!--TgQPHd|[]--><\/strong> anteriores al \u00faltimo d\u00eda del trimestre que est\u00e1s declarando.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHBAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Plazos:<!--TgQPHd|[]--><\/strong> Este descargo se realiza mediante el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Formulario 110<!--TgQPHd|[]--><\/strong> (anexo al 610) que debe presentarse trimestralmente (del 1 al 20 de enero, abril, julio y octubre).<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20PROFESIONALES.pdf\">1<\/a>, <a href=\"https:\/\/jurisprudencia.tcpbolivia.bo\/Fichas\/Ficha\/8698\">2<\/a>, <a href=\"https:\/\/boliviaimpuestos.com\/todo-de-consultor-en-linea-del-sector-publico\/\">3<\/a>, <a href=\"https:\/\/boliviaimpuestos.com\/como-generar-el-formulario-110-12\/\">4<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQ0AE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ok, entonces dado que durante los tres meses percib\u00ed 3 pagos de 15000, deber\u00eda consumir facturado 15000 para evitar el pago de rc-iva cierto?<\/span><\/span><\/p>\n<div class=\"l1LGWd\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\" aria-label=\"Expand query preview\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 32px 0px 0px 8px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"WJvjie_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjxr8uxmLSUAxVnqpUCHVsSJd0Q2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjxr8uxmLSUAxVnqpUCHVsSJd0Q3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Exactamente. Para un ingreso de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">15.000 Bs mensuales<!--TgQPHd|[]--><\/strong>, si logras recolectar facturas de compra por un valor total de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">15.000 Bs en el trimestre<!--TgQPHd|[]--><\/strong>, tu pago de RC-IVA quedar\u00e1 en <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">cero<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Sin embargo, gracias a los beneficios del R\u00e9gimen General para profesionales independientes, en realidad necesitas <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">menos facturas<!--TgQPHd|[]--><\/strong> de las que crees para llegar a ese monto cero. Aqu\u00ed te explico la l\u00f3gica matem\u00e1tica:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El c\u00e1lculo real para tu caso<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Como profesional independiente, el RC-IVA (13%) no se calcula sobre los 15.000 Bs totales, sino sobre el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">87% de tus ingresos<!--TgQPHd|[]--><\/strong> (que es lo que queda tras restar el IVA que ya declaras mensualmente). [<a href=\"https:\/\/sac.impuestos.gob.bo\/formularios\/pdf\/TEXTO%20PROFESIONALES.pdf\">1<\/a>, <a href=\"https:\/\/boliviaimpuestos.com\/profesionales-liberales-u-oficios-rc-iva-610\/\">2<\/a>]<!--TgQPHd|[]--><\/div>\n<ol class=\"IaGLZe VimKh\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Base del impuesto:<!--TgQPHd|[]--><\/strong> Por un ingreso trimestral de 45.000 Bs, tu base imponible para el RC-IVA es <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">39.150 Bs<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Impuesto determinado:<!--TgQPHd|[]--><\/strong> El 13% de esa base es <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">5.089,50 Bs<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Deducci\u00f3n autom\u00e1tica:<!--TgQPHd|[]--><\/strong> Por ley, puedes descontar el 13% de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">dos salarios m\u00ednimos<!--TgQPHd|[]--><\/strong> por cada mes del trimestre. Con el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/mintrabajo.gob.bo\/wp-content\/uploads\/2026\/01\/RM-N%C2%B0-088-26.pdf\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIERAD\" aria-label=\"Salario M\u00ednimo Nacional 2026. Link preview. Site: MTEPS. Title: Resoluci\u00f3n Ministerial No.- 088\/26.. URL: https:\/\/mintrabajo.gob.bo\/wp-content\/uploads\/2026\/01\/RM-N%C2%B0-088-26.pdf.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Salario M\u00ednimo Nacional 2026<\/a><!--TgQPHd|[[&quot;https:\/\/mintrabajo.gob.bo\/wp-content\/uploads\/2026\/01\/RM-N%C2%B0-088-26.pdf&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Resoluci\u00f3n Ministerial No.- 088\/26.&quot;,&quot;PRIMERO.- El Salario M\u00ednimo Nacional dispuesto en el Art\u00edculo 23 del Decreto. Supremo N\u00b0 5516 es de Bs 3.300.- (TRES MIL TRESCIENTOS 00\/100 BOLIVIANOS), con efecto retroactivo al 1 de enero de 2026, siendo su aplicaci\u00f3n obligatoria y sujeta a control y supervisi\u00f3n del Ministerio de Trabajo, Empleo y Previsi\u00f3n Social. SEGUNDO.- Para la aplicaci\u00f3n del Salario M\u00ednimo Nacional 2026 y su regularizaci\u00f3n retroactiva se dispone: 1. La adecuaci\u00f3n al SMN procede cuando el salario b\u00e1sico sea inferior a Bs 3.300.-, debiendo nivelarse como m\u00ednimo a dicho monto. II. En jornadas parciales, la adecuaci\u00f3n se realizar\u00e1 de forma proporcional al tiempo de trabajo pactado, conforme normativa aplicable.-.&quot;,null,&quot;MTEPS&quot;,&quot;https:\/\/encrypted-tbn3.gstatic.com\/faviconV2?url\\u003dhttps:\/\/mintrabajo.gob.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778604043327473,43362919,3710194267],null,null,null,null,[[0,12,127]]]]]--><\/span> fijado en <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3.300 Bs<!--TgQPHd|[]--><\/strong>, este descuento es de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2.574 Bs<!--TgQPHd|[]--><\/strong> en el trimestre (3.300 x 2 x 3 meses x 13%).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAE\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Monto a cubrir con facturas:<!--TgQPHd|[]--><\/strong> 5.089,50 (Impuesto) &#8211; 2.574 (Deducci\u00f3n) = <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2.515,50 Bs<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/mintrabajo.gob.bo\/wp-content\/uploads\/2026\/01\/RM-N%C2%B0-088-26.pdf\">1<\/a>, <a href=\"https:\/\/www.ferrere.com\/es\/novedades\/profesionales-independientes-son-incluidos-en-el-regimen-rc-iva\/\">3<\/a>, <a href=\"https:\/\/www.deel.com\/es\/blog\/incremento-salarial-en-bolivia\/\">5<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ol>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u00bfCu\u00e1ntas facturas necesitas?<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIExAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para cubrir esos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2.515,50 Bs<!--TgQPHd|[]--><\/strong> restantes, solo necesitas facturas de compra por un valor de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">19.350 Bs al trimestre<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Promedio mensual de compras:<!--TgQPHd|[]--><\/strong> Aproximadamente <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6.450 Bs en facturas<!--TgQPHd|[]--><\/strong> de supermercado, farmacias, ropa, gasolina o servicios.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Resumen para tu cr\u00e9dito bancario<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si presentas facturas por este monto (~19.350 Bs\/trimestre), el banco ver\u00e1 en tus formularios oficiales (610 y 110) que:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Generas ingresos altos (45.000 Bs\/trimestre).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tu carga impositiva es m\u00ednima o nula gracias a tus descargos.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tu <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ingreso Neto Real<!--TgQPHd|[]--><\/strong> es pr\u00e1cticamente tu ingreso bruto, lo que te da una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">capacidad de pago<!--TgQPHd|[]--><\/strong> muy alta para el pr\u00e9stamo.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.rigobertoparedes.com\/en\/bolivia-2025-salary-increase\/\">1<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQ_wE\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Mejor, calcula cuanto podr\u00eda prestarme el banco con estos ingresos de 15000 Bs mes como consultor independiente<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div id=\"ow6\" class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"Nbvjkb_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjijcrlmLSUAxUIkZUCHUGfJCEQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjijcrlmLSUAxUIkZUCHUGfJCEQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con un ingreso mensual de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">15,000 Bs<!--TgQPHd|[]--><\/strong>, el monto que un banco en Bolivia podr\u00eda prestarte depende principalmente de tu <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Capacidad de Pago<!--TgQPHd|[]--><\/strong>. Generalmente, las entidades financieras permiten que la cuota mensual de un pr\u00e9stamo no supere el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">25% al 35% de tus ingresos netos<!--TgQPHd|[]--><\/strong>. [<a href=\"https:\/\/www.bbva.com\/es\/salud-financiera\/mido-capacidad-endeudamiento\/\">1<\/a>, <a href=\"https:\/\/www.helpmycash.com\/blog\/regla-del-35-la-formula-magica-para-calcular-si-te-puedes-permitir-un-prestamo\/\">2<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Considerando que eres consultor independiente y jubilado, aqu\u00ed tienes una estimaci\u00f3n basada en los tipos de cr\u00e9dito m\u00e1s comunes:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. Estimaci\u00f3n de Montos seg\u00fan el tipo de Cr\u00e9dito<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Cr\u00e9dito de Vivienda Social (Tasa Regulada):<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/span>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tasa de inter\u00e9s:<!--TgQPHd|[]--><\/strong> Entre <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">5.5% y 6.5%<!--TgQPHd|[]--><\/strong> anual.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Cuota m\u00e1xima estimada:<!--TgQPHd|[]--><\/strong> ~3,750 Bs (25% de tu ingreso para ser conservador).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAD\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Monto aproximado del pr\u00e9stamo:<!--TgQPHd|[]--><\/strong> Podr\u00edas calificar para un pr\u00e9stamo de aproximadamente <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">450,000 a 550,000 Bs<!--TgQPHd|[]--><\/strong> (unos $65,000 &#8211; $80,000 USD) a un plazo de 20 a\u00f1os.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<p><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAE\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Cr\u00e9dito de Consumo o Libre Disponibilidad:<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/span>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAF\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tasa de inter\u00e9s:<!--TgQPHd|[]--><\/strong> Suele ser m\u00e1s alta, entre el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">12% y 18%<!--TgQPHd|[]--><\/strong> anual.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAG\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Plazo:<!--TgQPHd|[]--><\/strong> Generalmente hasta 5 o 7 a\u00f1os.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAH\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Monto aproximado del pr\u00e9stamo:<!--TgQPHd|[]--><\/strong> Podr\u00edas acceder a montos de entre <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">100,000 y 150,000 Bs<!--TgQPHd|[]--><\/strong>, dependiendo de las garant\u00edas (personales o reales).<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/bancounion.com.bo\/Personas\/Unicredito\">1<\/a>, <a href=\"https:\/\/www.bcp.com.bo\/Personas\/CreditoATuMedida\/TuPrimeraCasa\">2<\/a>, <a href=\"https:\/\/www.bmsc.com.bo\/loanDetails?key=vivienda-social-detalle\">3<\/a>, <a href=\"https:\/\/bancounion.com.bo\/CalculadoraCreditos\/ViviendaSocial\">4<\/a>, <a href=\"https:\/\/www.bisa.com\/personas\/credito-vivienda\/bisa-hogar\/vivienda-social\">5<\/a>, <a href=\"https:\/\/www.bankrate.com\/loans\/personal-loans\/personal-loan-calculator\/\">6<\/a>, <a href=\"https:\/\/buenaspracticas.formaciontecnicabolivia.org\/wp-content\/uploads\/2022\/02\/Mapeo-de-servicios-financieros-nacionales.pdf\">7<\/a>, <a href=\"https:\/\/www.baneco.com.bo\/mype_creditos_consumo\">8<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<p><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Factores que influyen en tu caso espec\u00edfico<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Como profesional independiente y jubilado, el banco evaluar\u00e1 estos puntos cr\u00edticos:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIIBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ingreso L\u00edquido:<!--TgQPHd|[]--><\/strong> El banco restar\u00e1 de tus 15,000 Bs los impuestos que pagas (como el IT del 3%) y tus gastos b\u00e1sicos declarados.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIIBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Edad y Seguro de Desgravamen:<!--TgQPHd|[]--><\/strong> Al ser jubilado, la edad es un factor clave. Los bancos suelen exigir que la edad del solicitante m\u00e1s el plazo del cr\u00e9dito no superen los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">70 o 75 a\u00f1os<!--TgQPHd|[]--><\/strong> debido a las condiciones del seguro de desgravamen.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIIBAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Continuidad de Ingresos:<!--TgQPHd|[]--><\/strong> Te pedir\u00e1n demostrar que esos 15,000 Bs son constantes mediante tus formularios de impuestos (IVA\/IT) de los \u00faltimos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6 a 12 meses<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span> [, <a href=\"https:\/\/www.openbank.es\/open-to-learn\/capacidad-endeudamiento\">2<\/a>, <a href=\"https:\/\/www.datacredito.com.co\/blogs\/datablog\/diferencia-entre-capacidad-de-pago-y-capacidad-de-endeudamiento\/\">3<\/a>, <a href=\"https:\/\/www.cmfchile.cl\/educa\/600\/w3-article-27413.html\">4<\/a>, <a href=\"https:\/\/www.bcp.com.bo\/Personas\/CreditoATuMedida\/CreditoEfectivo\">5<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Recomendaci\u00f3n para mejorar tu perfil:<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIJBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si tienes ahorros para un <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">aporte propio<!--TgQPHd|[]--><\/strong> (ej. el 20% del valor de un inmueble), el banco tendr\u00e1 mucha m\u00e1s confianza en otorgarte el monto m\u00e1ximo. Entidades como el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/bancounion.com.bo\/CalculadoraCreditos\/Calcular\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIJBAB\" data-processed=\"true\" aria-label=\"Banco Uni\u00f3n. Link preview. Site: Banco Uni\u00f3n. Title: Calculadora de Cr\u00e9ditos - Banco Uni\u00f3n S.A.. URL: https:\/\/bancounion.com.bo\/CalculadoraCreditos\/Calcular.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Banco Uni\u00f3n<\/a><!--TgQPHd|[[&quot;https:\/\/bancounion.com.bo\/CalculadoraCreditos\/Calcular&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Calculadora de Cr\u00e9ditos - Banco Uni\u00f3n S.A.&quot;,&quot;Calculadora de Cr\u00e9ditos. Bienvenido a la Calculadora de Cr\u00e9dito del Banco Uni\u00f3n S.A., para simular la cuota seleccione el tipo de cr\u00e9dito que desea. simulador de creditos. Veh\u00edculo; Vivienda; Vivienda Social ...&quot;,null,&quot;Banco Uni\u00f3n&quot;,&quot;https:\/\/encrypted-tbn1.gstatic.com\/faviconV2?url\\u003dhttps:\/\/bancounion.com.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778604152358626,43356424,556048193],null,null,null,null,[[0,33,127]]]]]--><\/span> o el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/www.bmsc.com.bo\/loanDetails?key=vivienda-social-detalle\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIJBAC\" data-processed=\"true\" aria-label=\"Mercantil Santa Cruz. Link preview. Site: Banco Mercantil Santa Cruz. Title: Pr\u00e9stamo de vivienda social - Banco Mercantil Santa Cruz. URL: https:\/\/www.bmsc.com.bo\/loanDetails?key=vivienda-social-detalle.\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Mercantil Santa Cruz<\/a><!--TgQPHd|[[&quot;https:\/\/www.bmsc.com.bo\/loanDetails?key\\u003dvivienda-social-detalle&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Pr\u00e9stamo de vivienda social - Banco Mercantil Santa Cruz&quot;,&quot;\u00a1Es hora de dar ese gran paso! Compra tu primera casa o tu primer departamento con una tasa de inter\u00e9s muy conveniente de 5,5%, 6% o 6,5%, de acuerdo a su valor comercial. Solicitar pr\u00e9stamo en l\u00ednea ...&quot;,null,&quot;Banco Mercantil Santa Cruz&quot;,&quot;https:\/\/encrypted-tbn2.gstatic.com\/faviconV2?url\\u003dhttps:\/\/www.bmsc.com.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778604152358626,43356424,556048193],null,null,null,null,[[0,34,127]]]]]--><\/span> tienen simuladores en l\u00ednea que puedes usar para ajustar estos n\u00fameros seg\u00fan tu edad exacta.<!--TgQPHd|[]--><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQ1wI\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Mi renta asciende a 14000 Bs, pero actualmente no tengo capacidad de cr\u00e9dito en vista que cuento con una<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"wmSZQb_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjehM_Vm7SUAxUHlZUCHTZ8GmQQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjehM_Vm7SUAxUHlZUCHTZ8GmQQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Al sumar tu <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">renta de 14.000 Bs<!--TgQPHd|[]--><\/strong> y tu nuevo <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">ingreso como consultor de 15.000 Bs<!--TgQPHd|[]--><\/strong>, tu ingreso mensual total asciende a <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">29.000 Bs<!--TgQPHd|[]--><\/strong>. Sin embargo, tener una deuda vigente es el factor que actualmente bloquea tu capacidad de cr\u00e9dito, ya que los bancos en Bolivia limitan el endeudamiento total al <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">25% &#8211; 35% de tus ingresos netos<!--TgQPHd|[]--><\/strong>. [<a href=\"https:\/\/www.bbva.com\/es\/salud-financiera\/mido-capacidad-endeudamiento\/\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aqu\u00ed te explico c\u00f3mo podr\u00edas recuperar y maximizar tu capacidad de cr\u00e9dito:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. El impacto de tu deuda actual<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIChAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si ya tienes un pr\u00e9stamo cuya cuota mensual consume una parte importante de tus ingresos, el banco considerar\u00e1 que tu &#8220;margen libre&#8221; para una nueva cuota es insuficiente.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ejemplo:<!--TgQPHd|[]--><\/strong> Con 29.000 Bs, tu cuota mensual total permitida ser\u00eda de unos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">8.700 Bs<!--TgQPHd|[]--><\/strong> (30%). Si tu pr\u00e9stamo actual ya tiene una cuota de 6.000 Bs, solo te quedar\u00edan <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2.700 Bs de capacidad libre<!--TgQPHd|[]--><\/strong> para un nuevo cr\u00e9dito.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Estrategia: Compra de Deuda (Consolidaci\u00f3n)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Dado que ahora tienes un ingreso mucho mayor (29.000 Bs), te conviene solicitar una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Compra de Deuda<!--TgQPHd|[]--><\/strong> o consolidaci\u00f3n en otro banco (o el mismo).<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">C\u00f3mo funciona:<!--TgQPHd|[]--><\/strong> El banco paga tu deuda actual y te otorga un monto adicional. Al tener un ingreso de 29.000 Bs, el banco te ver\u00e1 como un cliente de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">bajo riesgo<!--TgQPHd|[]--><\/strong> y con alta liquidez, lo que podr\u00eda permitirte extender el plazo y reducir la cuota mensual de esa deuda consolidada.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3. Factor Edad y Seguro de Desgravamen<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Como jubilado, el factor cr\u00edtico es la edad. La mayor\u00eda de los seguros de desgravamen en Bolivia cubren hasta los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">75 a\u00f1os<!--TgQPHd|[]--><\/strong> (inclusive). [<a href=\"https:\/\/www.bg.com.bo\/personas\/seguros\/vinculados\/desgravamen\/\">1<\/a>]<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si solicitas un cr\u00e9dito hoy, el plazo del pr\u00e9stamo sumado a tu edad actual no debe exceder ese l\u00edmite. Esto significa que si tienes 65 a\u00f1os, podr\u00edas acceder a un cr\u00e9dito de m\u00e1ximo 10 a\u00f1os.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIFhAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Entidades como el <span data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><a class=\"H23r4e\" href=\"https:\/\/bancounion.com.bo\/Personas\/Unicredito\" target=\"_blank\" rel=\"noopener\" data-hveid=\"CAAIFhAC\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 500; margin: 0px; text-decoration: underline 1px rgb(21, 88, 214); border-bottom: 0px rgb(21, 88, 214);\">Banco Uni\u00f3n<\/a><!--TgQPHd|[[&quot;https:\/\/bancounion.com.bo\/Personas\/Unicredito&quot;,null,null,[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,[{&quot;1218&quot;:[16]}]],16,null,&quot;Unicredito | Banco Uni\u00f3n S.A.&quot;,&quot;Moneda, Bolivianos, Bolivianos. Mercado objetivo, Personas Naturales clientes y no clientes del Banco deben demostrar una antig\u00fcedad mayor a 1 a\u00f1o en su fuente laboral. En el caso de independientes, deber\u00e1n presentar respaldo de sus ingresos de los \u00faltimos 6 meses. Personas naturales dependientes y\/o independientes que requieran obtener cr\u00e9ditos de consumo. Estos cr\u00e9ditos ser\u00e1n otorgados para libre disponibilidad y con condiciones establecidas bajo referencia puntual \\&quot;compra de paquetes tur\u00edsticos\\&quot;. Monto m\u00ednimo, Desde Bs. 21,000 hasta un monto m\u00e1ximo de Bs. 245,000 para todas sus sucursales. Desde Bs. 700 hasta Bs. 21,000.&quot;,null,&quot;Banco Uni\u00f3n&quot;,&quot;https:\/\/encrypted-tbn1.gstatic.com\/faviconV2?url\\u003dhttps:\/\/bancounion.com.bo\\u0026client\\u003dAIM\\u0026size\\u003d64\\u0026type\\u003dFAVICON\\u0026enable_upscaled\\u003dtrue\\u0026fallback_opts\\u003dTYPE,SIZE,URL&quot;,[[1778604924191326,43357447,1679457334],null,null,null,null,[[0,19,127]]]]]--><\/span> han ofrecido productos espec\u00edficos para jubilados (hasta los 68 o 70 a\u00f1os al momento del tr\u00e1mite) con plazos de hasta 5 a\u00f1os para libre disponibilidad.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.opinion.com.bo\/articulo\/cochabamba\/banco-uni-oacute-n-da-pr-eacute-stamos-jubilados-68-ntilde\/20161004200100561750.html\">1<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">4. Capacidad de pr\u00e9stamo estimada (con deuda consolidada)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Bajo un escenario donde consolidas tu deuda y liberas capacidad:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ingreso considerado:<!--TgQPHd|[]--><\/strong> 29.000 Bs mensuales.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Capacidad de cuota:<!--TgQPHd|[]--><\/strong> Hasta <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">10,000 Bs mensuales<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIGRAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Monto posible:<!--TgQPHd|[]--><\/strong> Podr\u00edas calificar para un monto total de aproximadamente <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">450,000 a 600,000 Bs<!--TgQPHd|[]--><\/strong> (dependiendo del plazo y tasa), siempre y cuando el seguro de desgravamen acepte el tiempo de duraci\u00f3n del cr\u00e9dito.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/www.money.com.au\/home-loans\/calculators\/borrowing-power-calculator\">1<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Recomendaci\u00f3n Paso a Paso:<!--TgQPHd|[]--><\/div>\n<ol class=\"IaGLZe VimKh\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Formaliza tu NIT:<!--TgQPHd|[]--><\/strong> El banco no contar\u00e1 tus 15.000 Bs adicionales a menos que tengas <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6 meses de antig\u00fcedad<!--TgQPHd|[]--><\/strong> emitiendo facturas y pagando tus impuestos (IVA\/IT).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHhAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Solicita tu Estado de Cuenta de la Gestora:<!--TgQPHd|[]--><\/strong> Ten a mano tus boletas de jubilaci\u00f3n para sumar formalmente ambos ingresos.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIHhAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Consulta por un &#8220;Cr\u00e9dito de Consumo con Compra de Deuda&#8221;:<!--TgQPHd|[]--><\/strong> Esto unificar\u00e1 tus pasivos y te permitir\u00e1 usar el excedente de tus nuevos ingresos para el proyecto que necesites.<!--TgQPHd|[]--><\/span> [<a href=\"https:\/\/bancounion.com.bo\/Personas\/Unicredito\">1<\/a>, <a href=\"https:\/\/www.bcp.com.bo\/Personas\/CreditoATuMedida\/CreditoEfectivo\">2<\/a>]<!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQkQM\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 148px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Mi renta asciende a 14000 Bs, pero actualmente no tengo capacidad de cr\u00e9dito en vista que cuento con una Tarjeta de Cr\u00e9dito que no pretendo cerrar.<\/span><\/span><\/p>\n<div class=\"l1LGWd\" tabindex=\"0\" role=\"button\" aria-expanded=\"false\" aria-label=\"Expand query preview\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 32px 0px 0px 8px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"hnOjVe_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwiuqOr1m7SUAxURjpUCHWMmAFwQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwiuqOr1m7SUAxURjpUCHWMmAFwQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Es muy com\u00fan que las <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tarjetas de Cr\u00e9dito (TC)<!--TgQPHd|[]--><\/strong> reduzcan dr\u00e1sticamente la capacidad de endeudamiento, incluso si no las usas. Esto sucede porque el banco calcula tu riesgo bas\u00e1ndose en el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">l\u00edmite total de la tarjeta<!--TgQPHd|[]--><\/strong> (como si la hubieras gastado toda) y no solo en lo que debes hoy.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con tus nuevos ingresos de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">15,000 Bs<!--TgQPHd|[]--><\/strong> (como consultor) m\u00e1s tus <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">14,000 Bs<!--TgQPHd|[]--><\/strong> (renta), sumas <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">29,000 Bs<!--TgQPHd|[]--><\/strong>. Aqu\u00ed te explico c\u00f3mo manejar la tarjeta para liberar cr\u00e9dito sin cerrarla:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. El &#8220;Efecto L\u00edmite&#8221; en tu Capacidad de Pago<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Los bancos suelen restar un porcentaje (entre el 3% y 5%) del <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">l\u00edmite total<!--TgQPHd|[]--><\/strong> de tu tarjeta de tu capacidad de pago mensual.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ejemplo:<!--TgQPHd|[]--><\/strong> Si tu TC tiene un l\u00edmite de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">50,000 Bs<!--TgQPHd|[]--><\/strong>, el banco asume que ya tienes un compromiso de pago mensual de unos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2,500 Bs<!--TgQPHd|[]--><\/strong>, aunque la tarjeta est\u00e9 en cero.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Soluci\u00f3n:<!--TgQPHd|[]--><\/strong> Puedes solicitar a tu banco una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">reducci\u00f3n del l\u00edmite<!--TgQPHd|[]--><\/strong> de la tarjeta. Si bajas el l\u00edmite a lo estrictamente necesario, liberas capacidad de pago inmediata para las cuotas de un nuevo pr\u00e9stamo.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Tu Nueva Realidad Financiera (29,000 Bs)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIChAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para el banco, ahora eres un perfil mucho m\u00e1s atractivo. Si formalizas tu actividad de consultor con el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">NIT de Profesional Independiente<!--TgQPHd|[]--><\/strong>:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Antig\u00fcedad:<!--TgQPHd|[]--><\/strong> Necesitar\u00e1s presentar tus formularios de impuestos (200 y 400) de los \u00faltimos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6 meses<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Capacidad total:<!--TgQPHd|[]--><\/strong> Con 29,000 Bs, el banco te permitir\u00eda una carga financiera total de unos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">8,700 a 10,150 Bs<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Margen libre:<!--TgQPHd|[]--><\/strong> Si tu tarjeta de cr\u00e9dito &#8220;consume&#8221; 2,500 Bs de esa capacidad, a\u00fan te quedan m\u00e1s de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6,000 Bs libres<!--TgQPHd|[]--><\/strong> para la cuota de un nuevo cr\u00e9dito.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3. El Factor Edad (Crucial para Jubilados)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Como mencionaste que eres jubilado, el mayor obst\u00e1culo no ser\u00e1 la tarjeta, sino el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Seguro de Desgravamen<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">En Bolivia, la mayor\u00eda de los seguros cubren hasta los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">70 o 75 a\u00f1os<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDhAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si tu edad actual est\u00e1 cerca de ese l\u00edmite, el banco te obligar\u00e1 a que el plazo del cr\u00e9dito sea corto (ej. 3 a 5 a\u00f1os). Al ser un plazo corto, la cuota ser\u00e1 m\u00e1s alta, y ah\u00ed es donde la tarjeta de cr\u00e9dito s\u00ed podr\u00eda estorbar.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u00bfQu\u00e9 te conviene hacer?<!--TgQPHd|[]--><\/div>\n<ol class=\"IaGLZe VimKh\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">No cierres la tarjeta<!--TgQPHd|[]--><\/strong>, pero pide un extracto que certifique que est\u00e1 &#8220;al d\u00eda&#8221; o con saldo bajo.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Formaliza el NIT ahora mismo<!--TgQPHd|[]--><\/strong>, porque el banco no contar\u00e1 esos 15,000 Bs hasta que vea el respaldo de Impuestos Nacionales por al menos un semestre.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEBAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Simula el cr\u00e9dito<!--TgQPHd|[]--><\/strong> pidiendo que tomen en cuenta tu renta de jubilado y tus ingresos facturados.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQ0wM\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"xEFZqe\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px 0px 0px 335.906px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"tbIZh wQN2Jd Odbbif\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"sUKAcb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"VndcI veK2kb\" role=\"heading\" aria-level=\"2\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El l\u00edmite es de 82000 Bs. mi edad es 58<\/span><\/span><\/div>\n<\/div>\n<\/div>\n<div class=\"UYpEO\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 12px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(86, 89, 94);\"><\/div>\n<\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"bcBJX_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwj5296enLSUAxVFqZUCHWbZImEQ2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwj5296enLSUAxVFqZUCHWbZImEQ3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con un l\u00edmite de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">82,000 Bs<!--TgQPHd|[]--><\/strong> en tu tarjeta de cr\u00e9dito y <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">58 a\u00f1os<!--TgQPHd|[]--><\/strong> de edad, tu situaci\u00f3n financiera para un nuevo pr\u00e9stamo es bastante s\u00f3lida, pero requiere un ajuste estrat\u00e9gico.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aqu\u00ed tienes el an\u00e1lisis de c\u00f3mo te ve el banco hoy:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. El impacto de tu Tarjeta de Cr\u00e9dito (TC)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Aunque no la uses o pagues el total cada mes, el banco asume un <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">compromiso mensual te\u00f3rico<!--TgQPHd|[]--><\/strong> (generalmente el 5% del l\u00edmite).<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">C\u00e1lculo:<!--TgQPHd|[]--><\/strong> 82,000 Bs x 5% = <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">4,100 Bs.<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Esto significa que, para el sistema financiero, t\u00fa ya &#8220;gastas&#8221; 4,100 Bs de tu capacidad de pago cada mes solo por tener esa tarjeta abierta.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Tu Capacidad de Pago Real<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIChAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Sumando tu renta y tu consultor\u00eda (una vez formalizado el NIT y pasados 6 meses):<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Ingreso Total:<!--TgQPHd|[]--><\/strong> 14,000 (Renta) + 15,000 (Consultor\u00eda) = <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">29,000 Bs.<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Capacidad de Cuota M\u00e1xima (35%):<!--TgQPHd|[]--><\/strong> 10,150 Bs mensuales.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICxAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Capacidad Libre para un Nuevo Cr\u00e9dito:<!--TgQPHd|[]--><\/strong> 10,150 (Total) &#8211; 4,100 (TC) = <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6,050 Bs.<!--TgQPHd|[]--><\/strong><!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Con esos <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6,050 Bs libres<!--TgQPHd|[]--><\/strong>, podr\u00edas pagar la cuota de un pr\u00e9stamo de aproximadamente <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">380,000 Bs<!--TgQPHd|[]--><\/strong> (a 7 a\u00f1os plazo) o hasta <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">550,000 Bs<!--TgQPHd|[]--><\/strong> (si es para vivienda a 15 a\u00f1os).<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3. La ventaja de tu edad (58 a\u00f1os)<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Tienes una edad ideal para un \u00faltimo cr\u00e9dito de largo plazo:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Seguro de Desgravamen:<!--TgQPHd|[]--><\/strong> Como la mayor\u00eda de las p\u00f3lizas en Bolivia cubren hasta los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">70 o 75 a\u00f1os<!--TgQPHd|[]--><\/strong>, tienes un margen de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">12 a 17 a\u00f1os<!--TgQPHd|[]--><\/strong> para pagar tu cr\u00e9dito sin problemas con la aseguradora. Esto te permite bajar la cuota mensual extendiendo el plazo.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Mi recomendaci\u00f3n para no cerrar la TC:<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si el monto que te ofrece el banco con esos 6,050 Bs de margen no te alcanza, no necesitas cerrar la tarjeta. Simplemente pide una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">reducci\u00f3n de l\u00edmite<!--TgQPHd|[]--><\/strong>.<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIEhAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Si bajas tu tarjeta de 82,000 Bs a un l\u00edmite de <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">20,000 Bs<!--TgQPHd|[]--><\/strong>, liberar\u00edas autom\u00e1ticamente <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3,100 Bs adicionales<!--TgQPHd|[]--><\/strong> para tu capacidad de cuota mensual, permiti\u00e9ndote acceder a un pr\u00e9stamo mucho mayor.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Es para nueva inversi\u00f3n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQkQQ\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"ujAapf_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjZ9obGnLSUAxW2u5UCHat2Na0Q2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjZ9obGnLSUAxW2u5UCHat2Na0Q3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">nueva inversi\u00f3n<!--TgQPHd|[]--><\/strong> (como la compra de un local comercial, maquinaria o capital de trabajo para tu consultora), tu perfil es excelente porque combinas la estabilidad de una renta de jubilado con el alto flujo de una consultor\u00eda facturada.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Al tener <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">58 a\u00f1os<!--TgQPHd|[]--><\/strong>, los bancos te ven como un cliente de bajo riesgo, pero con un &#8220;tiempo l\u00edmite&#8221; para deudas largas. Aqu\u00ed te detallo c\u00f3mo maximizar tu pr\u00e9stamo para esta inversi\u00f3n:<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1. El tipo de cr\u00e9dito que te conviene<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Para inversi\u00f3n, tienes dos caminos principales:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Microcr\u00e9dito o Pyme:<!--TgQPHd|[]--><\/strong> Si los 15,000 Bs de consultor\u00eda los manejas bajo un NIT de Empresa Unipersonal, puedes acceder a tasas para capital de inversi\u00f3n (suelen ser del 11.5% al 15%).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Cr\u00e9dito de Consumo con Garant\u00eda Real:<!--TgQPHd|[]--><\/strong> Si tienes un inmueble propio, puedes hipotecarlo para obtener una tasa m\u00e1s baja (alrededor del 10-12%) y un monto mucho mayor para tu inversi\u00f3n.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">2. Capacidad de Pr\u00e9stamo Estimada<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIChAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Considerando que mantienes tu tarjeta (l\u00edmite 82,000 Bs) y tus ingresos totales (29,000 Bs):<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"Fv6NCb\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjZ9obGnLSUAxW2u5UCHat2Na0Q-q4QegYIAAgLEAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 4px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<table class=\"NRefec\" data-animation-nesting=\"\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<tbody data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Plazo del Cr\u00e9dito<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Cuota mensual disponible (Libre de TC)<!--TgQPHd|[]--><\/th>\n<th class=\"iry6k\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 700; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">Monto estimado del pr\u00e9stamo<!--TgQPHd|[]--><\/th>\n<p><!--TgQPHd|[]--><\/tr>\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">5 a\u00f1os<!--TgQPHd|[]--><\/strong> (Inversi\u00f3n r\u00e1pida)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">6,050 Bs<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 1px solid rgb(220, 223, 229);\">~260,000 Bs<!--TgQPHd|[]--><\/td>\n<p><!--TgQPHd|[]--><\/tr>\n<tr class=\"cZCYO\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">10 a\u00f1os<!--TgQPHd|[]--><\/strong> (Inversi\u00f3n mayor)<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">6,050 Bs<!--TgQPHd|[]--><\/td>\n<td class=\"cOeeGf\" colspan=\"undefined\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">~420,000 Bs<!--TgQPHd|[]--><\/td>\n<p><!--TgQPHd|[]--><\/tr>\n<\/tbody>\n<\/table>\n<p><!--TgQPHd|[[1,0,0,3,null,&quot;&quot;]]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><em class=\"eujQNb\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Nota: A los 58 a\u00f1os, un plazo de 10 a\u00f1os es muy viable, ya que terminar\u00edas de pagar a los 68, bien dentro del l\u00edmite del seguro de desgravamen (75 a\u00f1os).<!--TgQPHd|[]--><\/em><!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">3. Bancos recomendados para tu perfil<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">En Bolivia, hay bancos que tienen un &#8220;apetito&#8221; mayor por clientes independientes con renta fija:<!--TgQPHd|[]--><\/div>\n<ul class=\"KsbFXc U6u95\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDxAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Banco Uni\u00f3n:<!--TgQPHd|[]--><\/strong> Ideal si tu renta de jubilado ya se paga ah\u00ed; facilita la suma de ingresos de consultor\u00eda.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDxAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Banco Mercantil Santa Cruz:<!--TgQPHd|[]--><\/strong> Tiene productos de inversi\u00f3n muy \u00e1giles para profesionales independientes.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIDxAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Banco Econ\u00f3mico:<!--TgQPHd|[]--><\/strong> Suele ser muy flexible con el sector de servicios y consultor\u00eda (PyME).<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ul>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div class=\"otQkpb\" role=\"heading\" aria-level=\"3\" data-animation-nesting=\"\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 20px; font-weight: 600; margin: 24px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Estrategia Maestra para la Inversi\u00f3n:<!--TgQPHd|[]--><\/div>\n<ol class=\"IaGLZe VimKh\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Saca el NIT de Profesional Independiente hoy mismo:<!--TgQPHd|[]--><\/strong> Como te coment\u00e9, el banco te pedir\u00e1 las <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u00faltimas 6 facturas<!--TgQPHd|[]--><\/strong> y formularios (200 y 400). Cada mes que pase sin NIT es un mes m\u00e1s que retrasas tu cr\u00e9dito.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">No uses el l\u00edmite total de tu Tarjeta de Cr\u00e9dito:<!--TgQPHd|[]--><\/strong> Mant\u00e9n tus consumos por debajo del 30% del l\u00edmite (menos de 25,000 Bs) para que tu r\u00e9cord crediticio sea impecable.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIERAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Presenta un Flujo de Caja:<!--TgQPHd|[]--><\/strong> Para cr\u00e9ditos de inversi\u00f3n, ayuda mucho presentar un cuadro simple de cu\u00e1nto esperas ganar con este nuevo negocio; los oficiales de cr\u00e9dito valoran la planificaci\u00f3n.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ol>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div data-mcsf=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Me queda todo claro. Me apena la cantidad de dinero que se ir\u00e1 a los impuestos<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"tonYlb\" data-tr-rsts=\"false\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 24px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"ilZyRc R7mRQb\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-animation-skip=\"true\" aria-hidden=\"false\" data-ved=\"0CAAQ_sYPahgKEwiwyOLYlbSUAxUAAAAAHQAAAAAQ0wQ\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<\/div>\n<div class=\"\" data-streaming-container=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"CKgc1d\" data-scope-id=\"turn\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-subtree=\"aimc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"Zkbeff\" data-sfc-root=\"c\" data-wiz-uids=\"dGMRCd_3\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjqiujynLSUAxVnqpUCHVsSJd0Q2O0OegYIAAgBEAA\" data-hveid=\"CAAIARAA\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"pWvJNd\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"mZJni Dn7Fzd\" dir=\"ltr\" data-container-id=\"main-col\" data-xid=\"VpUvz\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-ved=\"2ahUKEwjqiujynLSUAxVnqpUCHVsSJd0Q3KYQegYIAAgBEAE\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">Es totalmente comprensible que te desilusione ver cu\u00e1nto se va en impuestos, especialmente cuando est\u00e1s generando un ingreso importante con tu esfuerzo. En Bolivia, la presi\u00f3n fiscal para un profesional independiente puede sentirse pesada, pero hay un par de &#8220;alivios&#8221; legales que pueden suavizar el golpe:<!--TgQPHd|[]--><\/div>\n<ol class=\"IaGLZe VimKh\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAA\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El IVA no es necesariamente un gasto:<!--TgQPHd|[]--><\/strong> Recuerda que el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">13% del IVA<!--TgQPHd|[]--><\/strong> (1.950 Bs al mes) solo lo pagas si no tienes compras facturadas para descargar. Como desarrollador, puedes descargar facturas de internet, equipos, muebles de oficina, software, papeler\u00eda e incluso una parte de tu factura de luz. Si logras descargar todo, ese dinero se queda contigo.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAB\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El beneficio de ser jubilado:<!--TgQPHd|[]--><\/strong> Al no estar obligado a aportar a la Gestora (ahorr\u00e1ndote el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">14.42%<!--TgQPHd|[]--><\/strong>), ya tienes una ventaja competitiva frente a otros consultores que no son jubilados. Ese ahorro compensa gran parte de lo que pagar\u00e1s en impuestos.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<li class=\"Z1qcYe\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBRAC\" data-complete=\"true\" data-sae=\"\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px 0px 12px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><span class=\"T286Pc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">El RC-IVA ahora es m\u00e1s flexible:<!--TgQPHd|[]--><\/strong> Gracias al cambio normativo reciente (DS 5563), casi cualquier factura de consumo personal te sirve para el descargo trimestral. Antes era mucho m\u00e1s restringido.<!--TgQPHd|[]--><\/span><!--TgQPHd|[]--><\/li>\n<p><!--TgQPHd|[]--><\/ol>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBhAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">En resumen:<!--TgQPHd|[]--><\/strong> De los <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1.950 Bs<!--TgQPHd|[]--><\/strong> (IVA) y <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">1.697 Bs<!--TgQPHd|[]--><\/strong> (RC-IVA), gran parte puede volver a tu bolsillo mediante descargos. El \u00fanico impuesto que s\u00ed o s\u00ed &#8220;muere&#8221; es el <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">IT (3%)<!--TgQPHd|[]--><\/strong>, que ser\u00edan <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">450 Bs<!--TgQPHd|[]--><\/strong> al mes.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAIBxAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">M\u00edralo como una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">inversi\u00f3n para tu cr\u00e9dito<!--TgQPHd|[]--><\/strong>: pagar esos impuestos es el &#8220;tique de entrada&#8221; que le demuestra al banco que eres un cliente de alto nivel, permiti\u00e9ndote acceder a capital que de otra forma ser\u00eda inalcanzable.<!--TgQPHd|[]--><\/div>\n<div class=\"n6owBd awi2gc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-hveid=\"CAAICBAA\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 400; margin: 12px 0px 16px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\u00bfTe gustar\u00eda que te ayude a armar una <strong class=\"Yjhzub\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 16px; font-weight: 600; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">estrategia de recolecci\u00f3n de facturas<!--TgQPHd|[]--><\/strong> para que el pago de impuestos sea el m\u00ednimo legal posible?<!--TgQPHd|[]--><\/div>\n<div class=\"Fsg96\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\"><!--TgQPHd|[]--><\/div>\n<div data-xid=\"Gd7Hsc\" data-sfc-cp=\"\" data-sfc-root=\"c\" data-wiz-uids=\"dGMRCd_1x\" data-sfc-cb=\"\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"DBd2Wb\" data-complete=\"true\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 400; margin: 4px 0px 0px; text-decoration: none; border-bottom: 0px rgb(10, 10, 10);\">\n<div class=\"v4bSkd\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 500; margin: 0px 8px 0px 0px; text-decoration: none; border-bottom: 0px rgb(86, 89, 94);\">AI responses may include mistakes. For financial advice, consult a professional. <a class=\"dfyMHf\" href=\"https:\/\/support.google.com\/websearch?p=aimode\" aria-label=\"Learn more about AI Mode. Opens in new tab\" data-processed=\"true\" data-copy-service-computed-style=\"font-family: &quot;Google Sans&quot;, Arial, sans-serif; font-size: 14px; font-weight: 500; margin: 0px; text-decoration: underline dotted; border-bottom: 0px rgb(86, 89, 94);\">Learn more<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>tipos de nit en bolivia En Bolivia, existen principalmente dos tipos de N\u00famero de Identificaci\u00f3n Tributaria (NIT) basados en el r\u00e9gimen tributario: el R\u00e9gimen General (que emite factura) y los Reg\u00edmenes Especiales (como el &#8220;NIT amarillo&#8221;, que no emite factura). Estos se aplican a personas naturales, empresas unipersonales, y personas jur\u00eddicas (SRL, SA) seg\u00fan su [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-216324048","post","type-post","status-publish","format-standard","hentry","category-all"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>- Arturo Card Shop<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/arturo.winandoffice.com\/nzl\/216324048-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"- Arturo Card Shop\" \/>\n<meta property=\"og:description\" content=\"tipos de nit en bolivia En Bolivia, existen principalmente dos tipos de N\u00famero de Identificaci\u00f3n Tributaria (NIT) basados en el r\u00e9gimen tributario: el R\u00e9gimen General (que emite factura) y los Reg\u00edmenes Especiales (como el &#8220;NIT amarillo&#8221;, que no emite factura). 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