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6:["$","$L3",null,{"iconNode":[["circle",{"cx":"12","cy":"12","r":"10","key":"1mglay"}],["path",{"d":"m16 9-5.5 5.5L8 12","key":"xofnsj"}]],"className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}]
7:["$","span",null,{"children":"La CAE (Carga Anual Equivalente) incluye interés más otros costos asociados al crédito, en un solo número."}]
8:["$","li","Dos tarjetas con la misma tasa de interés pueden tener una CAE distinta si cobran comisiones diferentes.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Dos tarjetas con la misma tasa de interés pueden tener una CAE distinta si cobran comisiones diferentes."}]]}]
9:["$","li","La CAE se usa principalmente para comparar créditos en cuotas, no tanto el uso normal de una tarjeta.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"La CAE se usa principalmente para comparar créditos en cuotas, no tanto el uso normal de una tarjeta."}]]}]
a:["$","li","Por ley, las instituciones financieras en Chile deben informar la CAE en sus ofertas de crédito.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$6:props:iconNode","className":"lucide-circle-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Por ley, las instituciones financieras en Chile deben informar la CAE en sus ofertas de crédito."}]]}]
b:["$","p",null,{"className":"rounded-xl border border-border bg-ivory-muted p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Dato clave: "}],"la tasa de interés y la CAE no son lo mismo. La tasa de interés es solo una parte del costo; la CAE suma esa tasa con otros cargos asociados, como comisiones de administración, para mostrar el costo real anualizado del crédito."]}]
c:["$","$L5",null,{"title":"Qué significa CAE en la práctica","children":[["$","p",null,{"children":"CAE son las siglas de Carga Anual Equivalente. Es un indicador que exige la normativa chilena para que las instituciones financieras muestren, en un solo número, cuánto cuesta realmente un crédito en un año, considerando no solo el interés, sino también otros costos asociados como comisiones fijas."}],["$","p",null,{"children":"La idea detrás de la CAE es simple: dos ofertas de crédito pueden anunciar la misma tasa de interés, pero si una cobra comisiones adicionales y la otra no, la que parece \"igual de barata\" en realidad termina costando más. La CAE hace visible esa diferencia."}],["$","p",null,{"children":"Esta exigencia existe porque, antes de estandarizarse, cada institución podía anunciar su oferta destacando el número que más le convenía — una tasa mensual baja, por ejemplo, mientras escondía comisiones fijas en la letra chica del contrato. Al obligar a todas las instituciones a calcular la CAE con la misma fórmula, se vuelve posible comparar ofertas distintas sin tener que revisar cada contrato letra por letra para encontrar los costos escondidos."}]]}]
d:["$","h3",null,{"className":"text-xl","children":"Ficha técnica"}]
e:["$","div",null,{"className":"my-6 grid grid-cols-1 gap-3 sm:grid-cols-2","children":[["$","div","Qué mide",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Qué mide"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Costo total anualizado de un crédito"}]]}],["$","div","Qué incluye",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Qué incluye"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Interés más comisiones y cargos asociados"}]]}],["$","div","Para qué sirve",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Para qué sirve"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Comparar créditos de forma justa entre sí"}]]}],["$","div","Obligación legal",{"className":"rounded-lg border border-border border-l-4 border-l-header bg-ivory-raised p-4 shadow-sm ","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Obligación legal"}],["$","p",null,{"className":"mt-1 font-medium text-navy","children":"Debe informarse en ofertas de crédito en Chile"}]]}]]}]
f:["$","h2",null,{"className":"text-2xl","children":"CAE vs. tasa de interés: la diferencia que importa"}]
10:["$","div",null,{"className":"my-6","children":[["$","div",null,{"className":"overflow-x-auto rounded-xl border border-border border-t-4 border-t-header shadow-sm","children":["$","table",null,{"className":"comparison-table w-full min-w-[560px] border-collapse text-sm","children":[["$","thead",null,{"children":["$","tr",null,{"children":[["$","th",null,{"children":"Indicador"}],["$","th",null,{"children":"Qué muestra"}],["$","th",null,{"children":"Limitación"}]]}]}],["$","tbody",null,{"children":[["$","tr",null,{"children":[["$","td",null,{"children":"Tasa de interés"}],["$","td",null,{"children":"Solo el costo del dinero prestado"}],["$","td",null,{"children":"No incluye comisiones ni otros cargos"}]]}],["$","tr",null,{"children":[["$","td",null,{"children":"CAE"}],["$","td",null,{"children":"Costo total anualizado, interés + comisiones"}],["$","td",null,{"children":"No siempre incluye seguros asociados al crédito"}]]}]]}]]}]}],null,["$","p",null,{"className":"mt-1 text-xs text-navy-muted sm:hidden","children":"Desliza hacia el lado para ver toda la tabla →"}]]}]
11:["$","h2",null,{"className":"text-2xl","children":"Un ejemplo simple para entenderlo"}]
12:["$","div",null,{"className":"my-6 grid items-center gap-4 sm:grid-cols-[1fr_auto_1fr]","children":[["$","div",null,{"className":"rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Antes"}],["$","p",null,{"className":"mt-2 text-navy-soft","children":"Dos créditos con la misma tasa de interés parecen \"igual de convenientes\" a primera vista."}]]}],["$","$L3",null,{"iconNode":[["path",{"d":"M5 12h14","key":"1ays0h"}],["path",{"d":"m12 5 7 7-7 7","key":"xquz4c"}]],"className":"lucide-arrow-right mx-auto size-5 rotate-90 text-amber sm:rotate-0"}],["$","div",null,{"className":"rounded-xl border border-border bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"text-xs font-medium tracking-wide text-navy-muted uppercase","children":"Después"}],["$","p",null,{"className":"mt-2 text-navy-soft","children":"Uno tiene comisiones adicionales que el otro no cobra, así que su CAE termina siendo más alta — el costo real no era igual."}]]}]]}]
13:["$","$L5",null,{"title":"Qué tan útil es la CAE según el tipo de decisión","children":["$","p",null,{"children":"La CAE no aplica de la misma forma a todo. Este panorama muestra en qué casos es más determinante:"}]}]
14:["$","div",null,{"className":"my-6 rounded-xl border border-border bg-ivory-raised p-6 shadow-sm","children":[["$","div",null,{"className":"flex flex-wrap justify-center gap-8","children":[["$","div","Comparar créditos en cuotas",{"className":"flex flex-col items-center text-center","children":[["$","span",null,{"className":"text-sm font-medium text-navy","children":"Comparar créditos en cuotas"}],["$","svg",null,{"width":120,"height":120,"viewBox":"0 0 120 120","className":"mt-2","children":[["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-border)","strokeWidth":10}],["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"#5FBF8E","strokeWidth":10,"strokeLinecap":"round","strokeDasharray":326.7256359733385,"strokeDashoffset":16.33628179866694,"transform":"rotate(-90 60 60)"}],["$","text",null,{"x":60,"y":66,"textAnchor":"middle","fontFamily":"var(--font-heading)","fontWeight":700,"fontSize":18,"fill":"#5FBF8E","children":"Alta"}]]}]]}],["$","div","Uso normal de tarjeta sin cuotas",{"className":"flex flex-col items-center text-center","children":[["$","span",null,{"className":"text-sm font-medium text-navy","children":"Uso normal de tarjeta sin cuotas"}],["$","svg",null,{"width":120,"height":120,"viewBox":"0 0 120 120","className":"mt-2","children":[["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-border)","strokeWidth":10}],["$","circle",null,{"cx":60,"cy":60,"r":52,"fill":"none","stroke":"var(--color-amber)","strokeWidth":10,"strokeLinecap":"round","strokeDasharray":326.7256359733385,"strokeDashoffset":196.0353815840031,"transform":"rotate(-90 60 60)"}],["$","text",null,{"x":60,"y":66,"textAnchor":"middle","fontFamily":"var(--font-heading)","fontWeight":700,"fontSize":18,"fill":"var(--color-amber)","children":"Baja"}]]}]]}]]}],["$","p",null,{"className":"mt-3 text-center text-xs text-navy-muted","children":"Representación relativa de relevancia según el tipo de decisión, no una medición oficial."}]]}]
15:["$","div",null,{"className":"my-6 grid gap-4 sm:grid-cols-2","children":[["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-gold bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"A favor"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","Permite comparar ofertas de forma más justa.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M20 6 9 17l-5-5","key":"1gmf2c"}]],"className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Permite comparar ofertas de forma más justa."}]]}],["$","li","Obliga a las instituciones a ser transparentes.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$15:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Obliga a las instituciones a ser transparentes."}]]}],["$","li","Evita sorpresas por comisiones ocultas en el interés.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$15:props:children:0:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-check mt-0.5 size-4 shrink-0 text-amber"}],["$","span",null,{"children":"Evita sorpresas por comisiones ocultas en el interés."}]]}]]}]]}],["$","div",null,{"className":"rounded-xl border border-border border-l-4 border-l-navy-muted bg-ivory-raised p-5 shadow-sm","children":[["$","p",null,{"className":"font-heading font-semibold text-navy","children":"Límites a considerar"}],["$","ul",null,{"className":"mt-3 space-y-2","children":[["$","li","No siempre incluye seguros asociados al crédito.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":[["path",{"d":"M18 6 6 18","key":"1bl5f8"}],["path",{"d":"m6 6 12 12","key":"d8bk6v"}]],"className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"No siempre incluye seguros asociados al crédito."}]]}],["$","li","Es más relevante para créditos en cuotas que para uso general.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$15:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"Es más relevante para créditos en cuotas que para uso general."}]]}],["$","li","No reemplaza revisar el contrato completo.",{"className":"flex gap-2 text-sm text-navy-soft","children":[["$","$L3",null,{"iconNode":"$15:props:children:1:props:children:1:props:children:0:props:children:0:props:iconNode","className":"lucide-x mt-0.5 size-4 shrink-0 text-navy-muted"}],["$","span",null,{"children":"No reemplaza revisar el contrato completo."}]]}]]}]]}]]}]
16:["$","p",null,{"className":"rounded-xl border border-amber/40 bg-amber-soft/40 p-5","children":[["$","span",null,{"className":"font-medium text-navy","children":"Cuidado con esto: "}],"una CAE baja no garantiza que un crédito sea la mejor opción para ti si no puedes cumplir con el pago de las cuotas. La CAE compara el costo del dinero, no evalúa si ese crédito es adecuado para tu situación financiera actual."]}]
17:["$","h2",null,{"className":"text-2xl","children":"Preguntas frecuentes"}]
18:["$","div",null,{"className":"my-6 space-y-3","children":[["$","details","¿La CAE aplica a todas las tarjetas de crédito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La CAE aplica a todas las tarjetas de crédito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Se usa principalmente para créditos en cuotas y otros productos de crédito específicos. Para el uso general de una tarjeta, es más relevante la tasa de interés rotativo, la mantención y las comisiones."}]]}],["$","details","¿Dónde encuentro la CAE de un crédito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Dónde encuentro la CAE de un crédito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Las instituciones financieras están obligadas a informarla en sus ofertas de crédito, generalmente junto a la tasa de interés."}]]}],["$","details","¿Una CAE más baja siempre significa mejor opción?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Una CAE más baja siempre significa mejor opción?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"En términos de costo, sí indica un crédito más barato en total. Pero conviene revisar también plazos y cuotas."}]]}],["$","details","¿La CAE incluye los seguros del crédito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿La CAE incluye los seguros del crédito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No siempre. Dependiendo del producto, algunos seguros asociados pueden no estar incluidos en el cálculo."}]]}],["$","details","¿Por qué dos créditos con la misma tasa tienen distinta CAE?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Por qué dos créditos con la misma tasa tienen distinta CAE?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"Porque la CAE suma otros costos además del interés, como comisiones de administración."}]]}],["$","details","¿Sirve la CAE para comparar cuentas con débito?",{"className":"group rounded-xl border border-border bg-ivory-muted p-5","children":[["$","summary",null,{"className":"cursor-pointer list-none font-medium text-navy marker:content-none","children":"¿Sirve la CAE para comparar cuentas con débito?"}],["$","p",null,{"className":"mt-2 text-sm text-navy-soft","children":"No realmente, ya que las cuentas con débito no generan deuda ni intereses."}]]}]]}]
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