{"id":10154,"date":"2025-06-27T18:11:43","date_gmt":"2025-06-27T10:11:43","guid":{"rendered":"https:\/\/doolounge.com\/think-beyond-tax\/"},"modified":"2025-06-27T18:11:43","modified_gmt":"2025-06-27T10:11:43","slug":"think-beyond-tax","status":"publish","type":"post","link":"https:\/\/doolounge.com\/es\/think-beyond-tax\/","title":{"rendered":"La ley de herencia m\u00e1s sencilla"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Recientemente el sector asegurador ha estado promocionando la herencia directa, diciendo que la tasa impositiva es la m\u00e1s optimizada, pero no han considerado otros aspectos.<br><br>Si el cliente desea utilizar un pr\u00e9stamo hipotecario de bajo inter\u00e9s para inversi\u00f3n, primero debe utilizar la herencia de venta para hacer un registro de precio real alto; si simplemente hereda directamente, solo puede utilizar como m\u00e1ximo el precio de mercado anunciado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-576x1024.jpg\" alt=\"\" class=\"wp-image-10153\" srcset=\"https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-576x1024.jpg 576w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-169x300.jpg 169w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-768x1365.jpg 768w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-864x1536.jpg 864w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-7x12.jpg 7w, https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750.jpg 1125w\" sizes=\"auto, (max-width: 576px) 100vw, 576px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si su propiedad est\u00e1 ubicada en un \u00e1rea de planificaci\u00f3n urbana y usted es optimista sobre sus perspectivas futuras, \u00bfcree que es mejor utilizar la relaci\u00f3n pr\u00e9stamo-precio anunciado en el mercado o una relaci\u00f3n registro-precio real m\u00e1s alta?<br><br>A menos que no todos entiendan cu\u00e1les son los conceptos b\u00e1sicos de inversi\u00f3n, entonces la herencia directa es definitivamente la soluci\u00f3n m\u00e1s sencilla.<br><br>Pero la cosa no es tan sencilla. Requiere un c\u00e1lculo m\u00e1s detallado de diversas fuentes tributarias y, posteriormente, una comparaci\u00f3n de todas las tasas impositivas seg\u00fan los herederos posteriores y los posibles a\u00f1os de compraventa.<br><br>Pero, despu\u00e9s de todo, no soy tu l\u00ednea ascendente y no he recibido ninguna matr\u00edcula. Si quieres saber m\u00e1s sobre c\u00f3mo ayudar a los clientes a encontrar la mejor configuraci\u00f3n, claro que ya lo sabes... \ud83d\ude0f<br><br>Un excelente controlador de riesgo de asignaci\u00f3n de activos siempre debe ayudar a los clientes a pensar en m\u00e1s rutas en lugar de simplemente seguir ciegamente los procedimientos operativos est\u00e1ndar establecidos por la empresa.<br><br>Si lo que haces lo pueden hacer f\u00e1cilmente otros colegas, \u00bfc\u00f3mo puedes demostrar que eres \u00fanico?<\/p>","protected":false},"excerpt":{"rendered":"<p>La industria de seguros a menudo promueve la &quot;herencia directa&quot; como la mejor tasa impositiva, pero puede no ser adecuada para todas las situaciones.<\/p>\n<p>Si existe necesidad de reinversi\u00f3n, ser\u00e1 m\u00e1s ventajoso adoptar el m\u00e9todo de compraventa de herencias y registrarlas a un precio real elevado, especialmente para propiedades en zonas de planificaci\u00f3n urbana.<\/p>\n<p>La asignaci\u00f3n real de activos debe considerar los ratios de pr\u00e9stamos, la carga fiscal y la flexibilidad futura de la liquidez. No debe basarse \u00fanicamente en los procedimientos operativos est\u00e1ndar (POE), sino que debe planificar la soluci\u00f3n \u00f3ptima desde la perspectiva integral del cliente.<\/p>","protected":false},"author":2,"featured_media":10153,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"activitypub_content_warning":"","activitypub_content_visibility":"","activitypub_max_image_attachments":4,"activitypub_interaction_policy_quote":"anyone","activitypub_status":"federated","footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false,"beyondwords_generate_audio":"","beyondwords_project_id":"","beyondwords_content_id":"","beyondwords_player_style":"","beyondwords_language_id":"","beyondwords_title_voice_id":"","beyondwords_body_voice_id":"","beyondwords_summary_voice_id":"","beyondwords_error_message":"","beyondwords_disabled":"","beyondwords_delete_content":"","beyondwords_podcast_id":"","beyondwords_hash":"","publish_post_to_speechkit":"","speechkit_hash":"","speechkit_generate_audio":"","speechkit_project_id":"","speechkit_podcast_id":"","speechkit_error_message":"","speechkit_disabled":"","speechkit_access_key":"","speechkit_error":"","speechkit_info":"","speechkit_response":"","speechkit_retries":"","speechkit_updated_at":"","_speechkit_link":"","_speechkit_text":""},"categories":[860,770,1263,817],"tags":[861,777,849,881,1287,1242,811,772],"class_list":["post-10154","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","category-estate","category-secret","category-money","tag-861","tag-777","tag-849","tag-881","tag-1287","tag-1242","tag-811","tag-772"],"blocksy_meta":[],"featured_image_urls":{"full":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750.jpg",1125,2000,false],"thumbnail":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-150x150.jpg",150,150,true],"medium":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-169x300.jpg",169,300,true],"medium_large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-768x1365.jpg",768,1365,true],"large":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-576x1024.jpg",576,1024,true],"1536x1536":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-864x1536.jpg",864,1536,true],"2048x2048":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750.jpg",1125,2000,false],"trp-custom-language-flag":["https:\/\/doolounge.com\/wp-content\/uploads\/2025\/06\/fb_img_17510189821887709902153620664750-7x12.jpg",7,12,true]},"post_excerpt_stackable":"<p>\u4fdd\u96aa\u696d\u5e38\u63a8\u300c\u76f4\u63a5\u7e7c\u627f\u300d\u7a05\u7387\u6700\u512a\uff0c\u4f46\u672a\u5fc5\u9069\u5408\u6240\u6709\u60c5\u5883\u3002<\/p>\n<p>\u82e5\u6709\u8f49\u6295\u8cc7\u9700\u6c42\uff0c\u63a1\u8cb7\u8ce3\u7e7c\u627f\u3001\u505a\u9ad8\u5be6\u50f9\u767b\u9304\u53cd\u800c\u66f4\u6709\u5229\uff0c\u7279\u5225\u662f\u90fd\u5e02\u8a08\u756b\u5340\u7684\u623f\u7522\u3002<\/p>\n<p>\u771f\u6b63\u7684\u8cc7\u7522\u914d\u7f6e\u61c9\u8003\u91cf\u8cb8\u6b3e\u6210\u6578\u3001\u7a05\u8ca0\u8207\u672a\u4f86\u8b8a\u73fe\u5f48\u6027\uff0c\u4e0d\u80fd\u53ea\u4f9dSOP\uff0c\u800c\u61c9\u5f9e\u5ba2\u6236\u5168\u5c40\u51fa\u767c\uff0c\u898f\u5283\u6700\u512a\u89e3\u3002<\/p>\n","category_list":"<a href=\"https:\/\/doolounge.com\/es\/category\/insurance\/\" rel=\"category tag\">\u4fdd\u96aa<\/a>, <a href=\"https:\/\/doolounge.com\/es\/category\/estate\/\" rel=\"category tag\">\u623f\u5730\u7522<\/a>, <a href=\"https:\/\/doolounge.com\/es\/category\/secret\/\" rel=\"category tag\">\u6709\u9322\u4eba\u7684\u79d8\u5bc6<\/a>, <a href=\"https:\/\/doolounge.com\/es\/category\/money\/\" rel=\"category tag\">\u8ca1\u7d93<\/a>","author_info":{"name":"\u9673\u6cd5","url":"https:\/\/doolounge.com\/es\/author\/doolounge\/"},"comments_num":"0 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