{"id":1455,"date":"2026-06-18T11:12:53","date_gmt":"2026-06-18T09:12:53","guid":{"rendered":"https:\/\/altavistafinance.com\/?page_id=1455"},"modified":"2026-10-16T18:24:45","modified_gmt":"2026-10-16T16:24:45","slug":"hnw","status":"publish","type":"page","link":"https:\/\/altavistafinance.com\/en\/services\/mortgages\/hnw\/","title":{"rendered":"HNW \/ U-HNW Financing"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1455\" class=\"elementor elementor-1455 elementor-1454\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-62429f12 e-con-full hipotecas-hero-container e-flex e-con e-parent\" data-id=\"62429f12\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-235c0ca4 e-grid hipotecas-hero-grid e-con-boxed e-con e-child\" data-id=\"235c0ca4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20582c01 hipotecas-hero-grid-imagen elementor-widget elementor-widget-image\" data-id=\"20582c01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"411\" height=\"229\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-2.webp\" class=\"attachment-large size-large wp-image-3819\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-2.webp 411w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/lukas-tennie-d6DtdiBxBVc-unsplash-2-300x167.webp 300w\" sizes=\"(max-width: 411px) 100vw, 411px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bd81127 hipoteca-banner-sello elementor-absolute elementor-widget-mobile__width-initial elementor-widget elementor-widget-image\" data-id=\"6bd81127\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"152\" height=\"156\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/sello-dark2.svg\" class=\"attachment-large size-large wp-image-1440\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53a63806 home-banner-big-title elementor-widget elementor-widget-heading\" data-id=\"53a63806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">HNW \/ U-HNW<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-28780db8 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"28780db8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Los clientes con patrimonios elevados (HNW) y ultra-elevados (UHNW) que adquieren propiedad en Espa\u00f1a se enfrentan a una paradoja: cuanto mayor y m\u00e1s complejo es el patrimonio, m\u00e1s dif\u00edcil resulta obtener financiaci\u00f3n a trav\u00e9s de los canales bancarios convencionales. Ingresos en m\u00faltiples jurisdicciones, estructuras fiduciarias, holdings familiares, riqueza en activos alternativos o exposici\u00f3n pol\u00edtica &#8211; perfiles que la banca comercial no puede o no sabe evaluar.<\/p><p>La soluci\u00f3n no es un banco m\u00e1s grande. Es el canal correcto. La banca privada opera con criterios distintos, analiza la riqueza de forma global y estructura soluciones que la banca comercial no ofrece. Altavista Finance conoce ese canal en profundidad: trabajamos con los departamentos de banca privada de las principales entidades en Espa\u00f1a y sabemos exactamente qu\u00e9 entidad encaja con cada perfil complejo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-249dc053 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"249dc053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/contacto\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONT\u00c1CTANOS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e8545f4 e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"2e8545f4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-80d870e elementor-widget elementor-widget-template\" data-id=\"80d870e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"755\" class=\"elementor elementor-755 elementor-736 elementor-736\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41ff723f home-entidades-container e-flex e-con-boxed e-con e-parent\" data-id=\"41ff723f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5be7f933 elementor-widget elementor-widget-image\" data-id=\"5be7f933\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"181\" height=\"39\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Logo_Banco_de_Espana.svg-1.svg\" class=\"attachment-large size-large wp-image-248\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19665259 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"19665259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43b256ec elementor-widget elementor-widget-heading\" data-id=\"43b256ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">50+ financial institutions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-771025a6 home-entidades-separador elementor-widget elementor-widget-image\" data-id=\"771025a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Vector-4.png\" class=\"attachment-large size-large wp-image-249\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429222a elementor-widget elementor-widget-image\" data-id=\"7429222a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"168\" height=\"40\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/05\/Trustpilot-4-7-1.png\" class=\"attachment-large size-large wp-image-250\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-365b0d3f home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"365b0d3f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-59c53bbb elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"59c53bbb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">QU\u00c9 HACE QUE UN PERFIL SEA COMPLEJO<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-31daffd7 e-grid e-con-full e-con e-child\" data-id=\"31daffd7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-722e6e0e e-con-full e-flex e-con e-child\" data-id=\"722e6e0e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2299d90a e-con-full e-flex e-con e-child\" data-id=\"2299d90a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3308b6bc headding-underline elementor-widget elementor-widget-heading\" data-id=\"3308b6bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ingresos en m\u00faltiples jurisdicciones<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6763ba elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a6763ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-521e7d8 elementor-widget elementor-widget-text-editor\" data-id=\"521e7d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Directivos, empresarios o inversores con fuentes de ingresos distribuidas entre varios pa\u00edses, en distintas monedas y bajo distintos reg\u00edmenes fiscales.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7da80ea e-con-full e-flex e-con e-child\" data-id=\"7da80ea\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9bb671e e-con-full e-flex e-con e-child\" data-id=\"9bb671e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d274e1f headding-underline elementor-widget elementor-widget-heading\" data-id=\"d274e1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Trusts y fundaciones<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ea914 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"21ea914\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c10d09 elementor-widget elementor-widget-text-editor\" data-id=\"3c10d09\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Patrimonios estructurados a trav\u00e9s de trusts (revocables, irrevocables, discretionary) o fundaciones familiares. La mayor\u00eda de los bancos espa\u00f1oles no tienen la capacidad de analizar la titularidad real (UBO).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0539c8 e-con-full e-flex e-con e-child\" data-id=\"e0539c8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f94f3a1 e-con-full e-flex e-con e-child\" data-id=\"f94f3a1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5e5808 headding-underline elementor-widget elementor-widget-heading\" data-id=\"d5e5808\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Holdings societarios<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6aba80e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6aba80e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e64eb00 elementor-widget elementor-widget-text-editor\" data-id=\"e64eb00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Familias o grupos empresariales con m\u00faltiples sociedades, participaciones cruzadas y flujos de ingresos distribuidos entre varias entidades jur\u00eddicas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c077b25 e-con-full e-flex e-con e-child\" data-id=\"c077b25\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1d2f16d e-con-full e-flex e-con e-child\" data-id=\"1d2f16d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08a758f headding-underline elementor-widget elementor-widget-heading\" data-id=\"08a758f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Riqueza en activos alternativos<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6437604 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6437604\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c6f854 elementor-widget elementor-widget-text-editor\" data-id=\"7c6f854\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Patrimonios cuya riqueza est\u00e1 concentrada en private equity, venture capital, criptoactivos, arte u otros activos no l\u00edquidos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d986198 e-con-full e-flex e-con e-child\" data-id=\"d986198\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-aba71db e-con-full e-flex e-con e-child\" data-id=\"aba71db\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-996bd65 headding-underline elementor-widget elementor-widget-heading\" data-id=\"996bd65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Exposici\u00f3n pol\u00edtica o diplom\u00e1tica (PEP)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82ec41a elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"82ec41a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d39ec0f elementor-widget elementor-widget-text-editor\" data-id=\"d39ec0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Personas pol\u00edticamente expuestas, diplom\u00e1ticos o familiares directos de cargos p\u00fablicos. La banca privada tiene procesos de due diligence m\u00e1s sofisticados.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c85149 e-con-full e-flex e-con e-child\" data-id=\"1c85149\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-93d3342 e-con-full e-flex e-con e-child\" data-id=\"93d3342\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf41baa headding-underline elementor-widget elementor-widget-heading\" data-id=\"cf41baa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Alto nivel de endeu-damiento existente<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bde0ca7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bde0ca7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e304d9a elementor-widget elementor-widget-text-editor\" data-id=\"e304d9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Perfiles con un apalancamiento elevado que, pese a tener un patrimonio neto significativo, superan los ratios de endeudamiento est\u00e1ndar de la banca comercial.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bb6d529 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bb6d529\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e0284c9 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"e0284c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">POR QU\u00c9 IMPORTA EL CANAL :\nBANCA PRIVADA VS. BANCA COMERCIAL<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-448963b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"448963b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La banca comercial opera con modelos de scoring estandarizados: n\u00f3mina, ratio de endeudamiento, historial crediticio local. Es eficiente para perfiles sencillos, pero no est\u00e1 dise\u00f1ada para evaluar patrimonios complejos. Un comprador con 10 millones de euros en activos pero sin n\u00f3mina espa\u00f1ola puede ser rechazado por el mismo banco que aprobar\u00eda una hipoteca de 200.000 euros a un asalariado.<\/p><p>La banca privada funciona de forma distinta. El an\u00e1lisis es patrimonial &#8211; eval\u00faa la riqueza global del cliente, no solo los ingresos corrientes. Tiene la capacidad de analizar trusts, holdings, carteras de inversi\u00f3n, activos alternativos y flujos de ingresos multi-jurisdicci\u00f3n. Y puede estructurar soluciones a medida.<\/p><p>El problema que encuentran muchos clientes HNW no es que no exista financiaci\u00f3n para su perfil. Es que est\u00e1n llamando a la puerta equivocada. AVF conoce ambos canales y sabe cu\u00e1ndo un perfil debe ir directamente a banca privada.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e238ac0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"2e238ac0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fcf438f elementor-widget-mobile__width-initial proceso-heading elementor-widget elementor-widget-heading\" data-id=\"6fcf438f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SOLUCIONES PARA PERFILES HNW \/ UHNW<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e483662 e-grid e-con-full e-con e-child\" data-id=\"2e483662\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6a590d65 e-con-full e-flex e-con e-child\" data-id=\"6a590d65\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-10e0a5 elementor-widget elementor-widget-heading\" data-id=\"10e0a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">01<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-263b879b afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"263b879b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Hipotecas a trav\u00e9s de banca privada<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46368dd9 elementor-widget elementor-widget-text-editor\" data-id=\"46368dd9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Acceso directo a los departamentos de banca privada de las principales entidades en Espa\u00f1a. Condiciones negociadas en funci\u00f3n del patrimonio global del cliente, no solo de los ingresos corrientes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6eada170 e-con-full e-flex e-con e-child\" data-id=\"6eada170\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50985776 elementor-widget elementor-widget-heading\" data-id=\"50985776\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">02<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3280b2f2 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"3280b2f2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Hipoteca + pr\u00e9stamo lombardo combinados<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e75bdf elementor-widget elementor-widget-text-editor\" data-id=\"76e75bdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Una de las estructuras m\u00e1s eficientes para financiar el 100% de una propiedad sin aportar entrada en efectivo. La hipoteca cubre el 60-75% del valor del inmueble y un pr\u00e9stamo lombardo cubre el resto contra la cartera de inversi\u00f3n. Adem\u00e1s, el lombardo genera un pasivo que puede reducir la base imponible del impuesto al patrimonio.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7eb0b9b0 e-con-full e-flex e-con e-child\" data-id=\"7eb0b9b0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bedd6eb elementor-widget elementor-widget-heading\" data-id=\"7bedd6eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">03<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5dc900c7 afv-texts-title elementor-widget elementor-widget-heading\" data-id=\"5dc900c7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h5 class=\"elementor-heading-title elementor-size-default\">Equity release sobre patrimonio existente<\/h5>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-711a08f3 elementor-widget elementor-widget-text-editor\" data-id=\"711a08f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Extracci\u00f3n de liquidez de propiedades ya adquiridas, sin necesidad de venderlas. La banca privada ofrece condiciones m\u00e1s flexibles que la banca comercial para este tipo de operaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1263efd1 e-con-full e-flex e-con e-parent\" data-id=\"1263efd1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[{&quot;id&quot;:3820,&quot;url&quot;:&quot;https:\\\/\\\/altavistafinance.com\\\/wp-content\\\/uploads\\\/2026\\\/10\\\/18Baber-House120865-CMYK-1-2.webp&quot;}],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b251fc4 hipotecas-hero-container e-flex e-con-boxed e-con e-parent\" data-id=\"b251fc4\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afb8657 elementor-widget-mobile__width-initial proceso-heading elementor-widget elementor-widget-heading\" data-id=\"afb8657\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SI TIENES UNA CARTERA DE INVERSI\u00d3N,<br>\nEL LOMBARDO ES PROBABLEMENTE,<br>\nLA PIEZA QUE FALTA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ad2f0a1 elementor-widget elementor-widget-text-editor\" data-id=\"ad2f0a1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Para clientes HNW con una cartera de activos financieros &#8211; acciones, bonos, fondos, efectivo &#8211; el pr\u00e9stamo lombardo es frecuentemente el complemento natural de una hipoteca. Permite financiar la entrada, cubrir gastos de compra, o incluso sustituir una hipoteca cuando el perfil no encaja con los criterios bancarios.<\/p><p><em>AVF no presta asesoramiento fiscal. Consulta con tu asesor fiscal para evaluar las implicaciones en tu caso concreto.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd22563 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"dd22563\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/servicios\/prestamo-lombardo\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">VER PR\u00c9STAMO LOMBARDO<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-526a898f servicios-funciona-container e-flex e-con-boxed e-con e-parent\" data-id=\"526a898f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1f33aa36 e-con-full e-flex e-con e-child\" data-id=\"1f33aa36\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-81c83b1 elementor-widget-mobile__width-initial proceso-heading elementor-widget elementor-widget-heading\" data-id=\"81c83b1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">OPERACIONES <br>REALES CON <br>CLIENTES HNW<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2adee9e elementor-align-left elementor-widget elementor-widget-button\" data-id=\"2adee9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#283843\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ver casos reales<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-27a7d492 e-con-full e-flex e-con e-child\" data-id=\"27a7d492\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3871406f elementor-widget elementor-widget-image\" data-id=\"3871406f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"707\" height=\"482\" src=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/mitch-YIMXYjQoBBU-unsplash-1.webp\" class=\"attachment-large size-large wp-image-3821\" alt=\"\" srcset=\"https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/mitch-YIMXYjQoBBU-unsplash-1.webp 707w, https:\/\/altavistafinance.com\/wp-content\/uploads\/2026\/10\/mitch-YIMXYjQoBBU-unsplash-1-300x205.webp 300w\" sizes=\"(max-width: 707px) 100vw, 707px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-485c5334 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"485c5334\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6636bd55 elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"6636bd55\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">PREGUNTAS FRECUENTES SOBRE FINANCIACI\u00d3N PARA GRANDES PATRIMONIOS<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c6b10b8 acordeon-faqs-content elementor-widget elementor-widget-n-accordion\" data-id=\"4c6b10b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1280\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-1280\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfExiste un patrimonio m\u00ednimo para acceder a banca privada en Espa\u00f1a? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1280\" class=\"elementor-element elementor-element-de4b82e e-con-full e-flex e-con e-child\" data-id=\"de4b82e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1280\" class=\"elementor-element elementor-element-702c72c9 e-con-full e-flex e-con e-child\" data-id=\"702c72c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-531ceae4 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"531ceae4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tDepende de la entidad. Los umbrales t\u00edpicos oscilan entre 500.000 euros y 2 millones de euros en activos financieros. Para pr\u00e9stamos lombardo, las carteras m\u00ednimas suelen partir de 300.000 euros en Espa\u00f1a y 500.000 euros en Luxemburgo.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1281\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1281\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfTrabajan con patrimonios estructurados a trav\u00e9s de trusts? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1281\" class=\"elementor-element elementor-element-591553fd e-con-full e-flex e-con e-child\" data-id=\"591553fd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1281\" class=\"elementor-element elementor-element-2a6d98c4 e-con-full e-flex e-con e-child\" data-id=\"2a6d98c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f379246 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3f379246\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tS\u00ed. AVF tiene experiencia con perfiles cuya riqueza est\u00e1 estructurada a trav\u00e9s de trusts revocables, irrevocables y discretionary, as\u00ed como fundaciones familiares.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1282\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1282\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfPuedo obtener financiaci\u00f3n si mis ingresos est\u00e1n en varias monedas y jurisdicciones? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1282\" class=\"elementor-element elementor-element-6f5d7636 e-con-full e-flex e-con e-child\" data-id=\"6f5d7636\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1282\" class=\"elementor-element elementor-element-31f4c47a e-con-full e-flex e-con e-child\" data-id=\"31f4c47a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3f3bf8dd elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3f3bf8dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tS\u00ed. Es precisamente el tipo de perfil para el que la banca privada est\u00e1 mejor equipada.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1283\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1283\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfSe puede combinar una hipoteca con un pr\u00e9stamo lombardo? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1283\" class=\"elementor-element elementor-element-ef0c8a8 e-con-full e-flex e-con e-child\" data-id=\"ef0c8a8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1283\" class=\"elementor-element elementor-element-19e66230 e-con-full e-flex e-con e-child\" data-id=\"19e66230\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cb6aa2b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"3cb6aa2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tS\u00ed. Es una de las estructuras m\u00e1s habituales para clientes HNW. La hipoteca cubre el 60-75% del valor del inmueble y un pr\u00e9stamo lombardo cubre el resto.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1284\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1284\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfC\u00f3mo gestionan la confidencialidad? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1284\" class=\"elementor-element elementor-element-678e6cea e-con-full e-flex e-con e-child\" data-id=\"678e6cea\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1284\" class=\"elementor-element elementor-element-4ebd1c7e e-con-full e-flex e-con e-child\" data-id=\"4ebd1c7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30f92d52 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"30f92d52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tToda la informaci\u00f3n financiera se trata con estricta confidencialidad. AVF est\u00e1 autorizado por el Banco de Espa\u00f1a (licencia E192) y opera bajo las obligaciones regulatorias y de protecci\u00f3n de datos aplicables.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1285\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1285\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u00bfQu\u00e9 ventaja tiene AVF frente a acudir directamente a banca privada? <\/div><\/span>\n\t\t\t\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1285\" class=\"elementor-element elementor-element-310a0457 e-con-full e-flex e-con e-child\" data-id=\"310a0457\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1285\" class=\"elementor-element elementor-element-59823a26 e-con-full e-flex e-con e-child\" data-id=\"59823a26\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b73d32e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"2b73d32e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\tUn banco privado solo ofrece sus propios productos. AVF conoce las condiciones y los criterios reales de los departamentos de banca privada de las principales entidades en Espa\u00f1a.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"\\u00bfExiste un patrimonio m\\u00ednimo para acceder a banca privada en Espa\\u00f1a?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Depende de la entidad. Los umbrales t\\u00edpicos oscilan entre 500.000 euros y 2 millones de euros en activos financieros. Para pr\\u00e9stamos lombardo, las carteras m\\u00ednimas suelen partir de 300.000 euros en Espa\\u00f1a y 500.000 euros en Luxemburgo.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfTrabajan con patrimonios estructurados a trav\\u00e9s de trusts?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed. AVF tiene experiencia con perfiles cuya riqueza est\\u00e1 estructurada a trav\\u00e9s de trusts revocables, irrevocables y discretionary, as\\u00ed como fundaciones familiares.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfPuedo obtener financiaci\\u00f3n si mis ingresos est\\u00e1n en varias monedas y jurisdicciones?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed. Es precisamente el tipo de perfil para el que la banca privada est\\u00e1 mejor equipada.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfSe puede combinar una hipoteca con un pr\\u00e9stamo lombardo?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"S\\u00ed. Es una de las estructuras m\\u00e1s habituales para clientes HNW. La hipoteca cubre el 60-75% del valor del inmueble y un pr\\u00e9stamo lombardo cubre el resto.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfC\\u00f3mo gestionan la confidencialidad?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Toda la informaci\\u00f3n financiera se trata con estricta confidencialidad. AVF est\\u00e1 autorizado por el Banco de Espa\\u00f1a (licencia E192) y opera bajo las obligaciones regulatorias y de protecci\\u00f3n de datos aplicables.\"}},{\"@type\":\"Question\",\"name\":\"\\u00bfQu\\u00e9 ventaja tiene AVF frente a acudir directamente a banca privada?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Un banco privado solo ofrece sus propios productos. AVF conoce las condiciones y los criterios reales de los departamentos de banca privada de las principales entidades en Espa\\u00f1a.\"}}]}<\/script>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4855e50b e-con-full contacta-nosotros-letter-light e-flex e-con e-parent\" data-id=\"4855e50b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-950a56c elementor-widget elementor-widget-template\" data-id=\"950a56c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"774\" class=\"elementor elementor-774 elementor-757 elementor-757\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a41b0 home-faqs-container e-flex e-con-boxed e-con e-parent\" data-id=\"a41b0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41819a8b elementor-widget-mobile__width-initial elementor-widget elementor-widget-heading\" data-id=\"41819a8b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">CONTACT US<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-655aa3aa e-con-full e-flex e-con e-child\" data-id=\"655aa3aa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43288274 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"43288274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>If you are considering a real estate transaction in Spain and want to understand which options make sense to explore, we would be happy to talk.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bb3072e elementor-align-center elementor-tablet-align-left elementor-widget elementor-widget-button\" data-id=\"1bb3072e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/altavistafinance.com\/en\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"14\" height=\"25\" viewBox=\"0 0 14 25\" fill=\"none\"><g clip-path=\"url(#clip0_281_3)\"><path d=\"M0.544592 0.116686L13.6255 11.6151C13.8766 11.8193 13.9998 12.1062 13.9998 12.466C13.9998 12.8257 13.8718 13.1369 13.6255 13.3897L0.544592 24.8833C0.492477 25.0389 0.383509 25.0389 0.208213 24.8833C0.0329172 24.7277 -0.0286733 24.577 0.018704 24.4214L9.79265 12.5389L0.018704 0.500778C-0.033411 0.398678 0.0329172 0.267406 0.208213 0.116686C0.378772 -0.0388954 0.492477 -0.0388954 0.544592 0.116686Z\" fill=\"#D0C9B9\"><\/path><\/g><defs><clipPath id=\"clip0_281_3\"><rect width=\"14\" height=\"25\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACT<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>HNW \/ U-HNW Los clientes con patrimonios elevados (HNW) y ultra-elevados (UHNW) que adquieren propiedad en Espa\u00f1a se enfrentan a una paradoja: cuanto mayor y m\u00e1s complejo es el patrimonio, m\u00e1s dif\u00edcil resulta obtener financiaci\u00f3n a trav\u00e9s de los canales bancarios convencionales. Ingresos en m\u00faltiples jurisdicciones, estructuras fiduciarias, holdings familiares, riqueza en activos alternativos o [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":3463,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1455","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hipotecas para Grandes Patrimonios | Altavista Finance<\/title>\n<meta name=\"description\" content=\"Financiaci\u00f3n para clientes HNW y UHNW en Espa\u00f1a. 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