{"id":7291,"date":"2026-09-08T09:31:57","date_gmt":"2026-09-08T07:31:57","guid":{"rendered":"https:\/\/www.sendersfinancers.com\/?page_id=7291"},"modified":"2026-09-14T14:56:41","modified_gmt":"2026-09-14T12:56:41","slug":"vivienda-social","status":"publish","type":"page","link":"https:\/\/www.sendersfinancers.com\/es\/ayuntamientos\/estudios-de-viabilidad\/vivienda-social\/","title":{"rendered":"Vivienda social"},"content":{"rendered":"<p>[et_pb_section fb_built=\u00bb1&#8243; fullwidth=\u00bbon\u00bb _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb background_color=\u00bbRGBA(0,0,0,0)\u00bb saved_tabs=\u00bball\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_fullwidth_slider _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb body_font=\u00bbCatamaran||||||||\u00bb body_text_align=\u00bbleft\u00bb body_text_color=\u00bb#000000&#8243; body_font_size=\u00bb18px\u00bb background_color=\u00bbRGBA(0,0,0,0)\u00bb custom_button=\u00bbon\u00bb button_text_size=\u00bb18px\u00bb button_text_color=\u00bb#FFFFFF\u00bb button_bg_color=\u00bb#565141&#8243; button_border_width=\u00bb0px\u00bb button_border_color=\u00bbRGBA(0,0,0,0)\u00bb button_border_radius=\u00bb0px\u00bb button_font=\u00bbCatamaran||||||||\u00bb button_use_icon=\u00bboff\u00bb text_orientation=\u00bbleft\u00bb min_height=\u00bb449.3px\u00bb custom_margin=\u00bb||||false|false\u00bb custom_padding=\u00bb||||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_slide button_link=\u00bb\/contacto\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb header_level=\u00bbh1&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_text_align=\u00bbleft\u00bb header_text_color=\u00bb#FFFFFF\u00bb header_font_size=\u00bb60px\u00bb body_text_color=\u00bb#FFFFFF\u00bb background_color=\u00bbRGBA(0,0,0,0)\u00bb background_enable_color=\u00bbon\u00bb background_image=\u00bbhttps:\/\/www.sendersfinancers.com\/wp-content\/uploads\/2026\/09\/Banner-PAGE-5.png\u00bb background_enable_image=\u00bbon\u00bb header_font_size_tablet=\u00bb\u00bb header_font_size_phone=\u00bb30px\u00bb header_font_size_last_edited=\u00bbon|phone\u00bb body_text_shadow_style=\u00bbpreset5&#8243; global_colors_info=\u00bb{}\u00bb sticky_transition=\u00bbon\u00bb]<\/p>\n<h1 class=\"et_pb_slide_title\">PROMOCI\u00d3N DE VIVIENDA SOCIAL<\/h1>\n<p>[\/et_pb_slide][\/et_pb_fullwidth_slider][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; custom_margin=\u00bb60px||||false|false\u00bb custom_padding=\u00bb10px||10px||false|false\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; locked=\u00bboff\u00bb collapsed=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h1>SERVICIO DE ESTUDIOS DE VIABILIDAD PARA PROMOCI\u00d3N DE VIVIENDA SOCIAL<\/h1>\n<h2 style=\"text-align: center;\">SERVICIOS DE CONSULTOR\u00cdA FINANCIERA PARA AYUNTAMIENTOS<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; min_height=\u00bb107px\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>Los estudios de viabilidad econ\u00f3mico-financiera permiten analizar, con car\u00e1cter previo a la licitaci\u00f3n, si las condiciones econ\u00f3micas previstas para la explotaci\u00f3n de un servicio resultan sostenibles durante todo el per\u00edodo concesional.<\/p>\n<p>El an\u00e1lisis parte de las caracter\u00edsticas espec\u00edficas de cada proyecto e integra las previsiones de demanda, el sistema tarifario, los ingresos de explotaci\u00f3n, los costes necesarios para la prestaci\u00f3n del servicio, las inversiones iniciales y de reposici\u00f3n, la financiaci\u00f3n, la fiscalidad y la distribuci\u00f3n de los riesgos entre la Administraci\u00f3n y el futuro concesionario.<\/p>\n<p>En los supuestos en los que el proyecto se configure jur\u00eddicamente como un contrato de concesi\u00f3n de servicios, el estudio permite dar soporte a las actuaciones preparatorias previstas en el art\u00edculo 285 de la Ley 9\/2017, de 8 de noviembre, de Contratos del Sector P\u00fablico.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttps:\/\/www.sendersfinancers.com\/wp-content\/uploads\/2026\/09\/Banner-PETIT-Servicio-1-5.png\u00bb title_text=\u00bbBanner PETIT Servicio (1)\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>Los proyectos de vivienda social o asequible requieren modelos econ\u00f3mico-financieros a largo plazo, en los que la viabilidad est\u00e1 condicionada por el coste de construcci\u00f3n, rehabilitaci\u00f3n o adquisici\u00f3n de los inmuebles, las condiciones de financiaci\u00f3n, el r\u00e9gimen de rentas aplicable, los niveles de ocupaci\u00f3n previstos y las eventuales aportaciones o subvenciones p\u00fablicas.<\/p>\n<p>El estudio de viabilidad econ\u00f3mico-financiera permite analizar si los ingresos previstos durante el per\u00edodo de explotaci\u00f3n resultan suficientes para asumir el coste de la inversi\u00f3n inicial, el servicio de la deuda, los gastos de gesti\u00f3n y administraci\u00f3n, los tributos, los seguros, el mantenimiento ordinario y extraordinario de los inmuebles y las reposiciones necesarias a lo largo de su vida \u00fatil.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>Asimismo, permite proyectar los flujos econ\u00f3micos y financieros del proyecto a largo plazo, determinar las necesidades de financiaci\u00f3n y, en su caso, de apoyo p\u00fablico, y analizar la sensibilidad de la viabilidad ante variaciones en los costes de construcci\u00f3n, los tipos de inter\u00e9s, los niveles de ocupaci\u00f3n, las rentas o los gastos de conservaci\u00f3n y mantenimiento.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||20px||false|false\u00bb custom_padding=\u00bb10px||0px||false|false\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; locked=\u00bboff\u00bb collapsed=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#569033&#8243; header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb30px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">OBJETIVOS Y BENEFICIOS<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px|20%|60px|20%|false|false\u00bb custom_padding=\u00bb||||false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; locked=\u00bboff\u00bb collapsed=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran|900|||||||\u00bb text_text_color=\u00bb#FFFFFF\u00bb text_font_size=\u00bb20px\u00bb background_color=\u00bb#569033&#8243; text_orientation=\u00bbcenter\u00bb custom_padding=\u00bb5px||5px||false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>OBJETIVOS<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_5,1_5,1_5,1_5,1_5&#8243; use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb1&#8243; make_equal=\u00bbon\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Determinar la inversi\u00f3n total<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Proyectar las rentas y otros ingresos<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Cuantificar los costes del ciclo de vida<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Determinar las necesidades de financiaci\u00f3n y aportaci\u00f3n p\u00fablica<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Analizar la sostenibilidad del proyecto a largo plazo<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb20px||||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran|900|||||||\u00bb text_text_color=\u00bb#FFFFFF\u00bb text_font_size=\u00bb20px\u00bb background_color=\u00bb#569033&#8243; text_orientation=\u00bbcenter\u00bb custom_padding=\u00bb5px||5px||false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>BENEFICIOS<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_5,1_5,1_5,1_5,1_5&#8243; use_custom_gutter=\u00bbon\u00bb gutter_width=\u00bb1&#8243; make_equal=\u00bbon\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Conocer las necesidades reales de recursos financieros del proyecto<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Determinar rentas compatibles con la finalidad social y la sostenibilidad econ\u00f3mica<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Planificar adecuadamente la estructura de capital y financiaci\u00f3n<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Identificar anticipadamente d\u00e9ficits estructurales o necesidades de aportaci\u00f3n p\u00fablica<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_5&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb border_width_all=\u00bb1px\u00bb border_color_all=\u00bb#d8d8d8&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; global_colors_info=\u00bb{}\u00bb]<\/p>\n<p style=\"text-align: center;\">Comparar diferentes escenarios de inversi\u00f3n, financiaci\u00f3n y explotaci\u00f3n<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb min_height=\u00bb374.2px\u00bb custom_margin=\u00bb|auto|-28px|auto||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttps:\/\/www.sendersfinancers.com\/wp-content\/uploads\/2026\/09\/Banner-PETIT-Servicio-6.png\u00bb title_text=\u00bbBanner PETIT Servicio\u00bb _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#569033&#8243; header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb30px\u00bb width=\u00bb100%\u00bb min_height=\u00bb74.8px\u00bb custom_margin=\u00bb|-61px|34px|||\u00bb custom_padding=\u00bb||0px|||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2>SERVICIO DE ESTUDIOS DE<br \/>VIABILIDAD PARA<br \/>PROMOCI\u00d3N DE VIVIENDA SOCIAL<\/h2>\n<p>[\/et_pb_text][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; min_height=\u00bb173.2px\u00bb custom_margin=\u00bb-37px|||||\u00bb custom_padding=\u00bb||0px|||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p><strong>Existen diferentes factores que inciden en el servicio y que deber\u00e1n tenerse presentes en su configuraci\u00f3n, tales como:<\/strong><\/p>\n<ul>\n<li><strong>N\u00famero de viviendas: <\/strong>condiciona la inversi\u00f3n y la capacidad total de generaci\u00f3n de rentas.<\/li>\n<li><strong>Coste de construcci\u00f3n: <\/strong>es uno de los principales condicionantes de la viabilidad inicial.<\/li>\n<li><strong>Renta mensual: <\/strong>debe compatibilizar la finalidad social con la sostenibilidad del proyecto.<\/li>\n<li><strong>Ocupaci\u00f3n y morosidad: <\/strong>inciden sobre los flujos efectivos de ingresos.<\/li>\n<li><strong>Financiaci\u00f3n: <\/strong>los tipos de inter\u00e9s, el plazo y el porcentaje de deuda afectan directamente a la tesorer\u00eda.<\/li>\n<li><strong>Subvenciones p\u00fablicas: <\/strong>pueden resultar determinantes para alcanzar rentas asequibles.<\/li>\n<li><strong>Mantenimiento y reposiciones: <\/strong>deben considerarse durante toda la vida del activo.<\/li>\n<\/ul>\n<p>Desde Senders Financers preparamos estudios econ\u00f3mico-financieros a largo plazo que permiten determinar el coste integral de las promociones, proyectar las rentas y analizar diferentes combinaciones de capital, deuda, subvenciones y aportaciones p\u00fablicas.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.5&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; min_height=\u00bb107px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p>Los trabajos permiten, asimismo, determinar el canon o contraprestaci\u00f3n asumible por el operador, analizar diferentes escenarios de demanda y proporcionar soporte a las actuaciones preparatorias que, en caso de configurarse jur\u00eddicamente la operaci\u00f3n como una concesi\u00f3n de servicios, resultan exigibles de acuerdo con el art\u00edculo 285 de la LCSP. La metodolog\u00eda de elaboraci\u00f3n del estudio de viabilidad econ\u00f3mico-financiera comprende los siguientes procedimientos:<\/p>\n<ol>\n<li>Definici\u00f3n del programa inmobiliario.<\/li>\n<li>Estimaci\u00f3n de costes de inversi\u00f3n.<\/li>\n<li>An\u00e1lisis de la financiaci\u00f3n.<\/li>\n<li>Definici\u00f3n de rentas.<\/li>\n<li>Proyecci\u00f3n de ocupaci\u00f3n.<\/li>\n<li>Estimaci\u00f3n de costes de gesti\u00f3n.<\/li>\n<li>Plan de mantenimiento y reposiciones.<\/li>\n<li>Incorporaci\u00f3n de subvenciones.<\/li>\n<li>Elaboraci\u00f3n de los flujos de caja.<\/li>\n<li>An\u00e1lisis de sostenibilidad y sensibilidad.<\/li>\n<\/ol>\n<p>Desde Senders Financers proporcionamos asistencia en la construcci\u00f3n de modelos que permiten determinar las condiciones econ\u00f3micas bajo las cuales una promoci\u00f3n de vivienda asequible puede sostenerse a largo plazo e identificar, cuando sea necesario, las aportaciones p\u00fablicas requeridas.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb60px||40px||false|false\u00bb custom_padding=\u00bb10px||10px||false|false\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#569033&#8243; header_2_font=\u00bbCatamaran|800|||||||\u00bb header_2_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb30px\u00bb custom_margin=\u00bb30px||||false|false\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\"><strong>SOLVENCIA T\u00c9CNICA DE NUESTROS PROFESIONALES<\/strong><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.27.4&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb100%\u00bb custom_margin=\u00bb20px||||false|false\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb header_2_font=\u00bbCatamaran||||||||\u00bb header_3_font=\u00bbCatamaran|900|||||||\u00bb min_height=\u00bb500px\u00bb custom_padding=\u00bb20px|20px|20px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/logo-cl-4.png\" width=\"204\" height=\"52\" alt=\"\" class=\"wp-image-3398 alignnone size-full\" style=\"display: block; margin-left: auto; margin-right: auto;\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\">AYUNTAMIENTO DE<\/h2>\n<h3 style=\"text-align: center;\">CALDES DE MONTBUI<\/h3>\n<div style=\"background: #f2f2f2; padding: 10px; margin: 10px 10px; text-align: center;\">Estudio de viabilidad econ\u00f3mico-financiera en relaci\u00f3n con la concesi\u00f3n de servicios relativa a la promoci\u00f3n de vivienda social en un equipamiento municipal<\/div>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbContact Section\u00bb _builder_version=\u00bb4.10.5&#8243; background_color_gradient_direction=\u00bb105deg\u00bb min_height_tablet=\u00bb\u00bb min_height_phone=\u00bb\u00bb min_height_last_edited=\u00bbon|desktop\u00bb custom_padding=\u00bb||0px||false|false\u00bb top_divider_height=\u00bb15px\u00bb border_width_top=\u00bb10px\u00bb border_color_top=\u00bb#569033&#8243; global_module=\u00bb2500&#8243; locked=\u00bboff\u00bb collapsed=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row column_structure=\u00bb1_2,1_2&#8243; admin_label=\u00bbContact Area\u00bb module_class=\u00bb et_pb_row_fullwidth\u00bb _builder_version=\u00bb4.16&#8243; background_size=\u00bbinitial\u00bb background_position=\u00bbtop_left\u00bb background_repeat=\u00bbrepeat\u00bb width_tablet=\u00bb80%\u00bb width_phone=\u00bb\u00bb width_last_edited=\u00bbon|desktop\u00bb max_width_tablet=\u00bb80%\u00bb max_width_phone=\u00bb\u00bb max_width_last_edited=\u00bbon|desktop\u00bb module_alignment=\u00bbcenter\u00bb min_height_tablet=\u00bb\u00bb min_height_phone=\u00bb\u00bb min_height_last_edited=\u00bbon|desktop\u00bb custom_margin=\u00bb|0px|40px|0px|false|false\u00bb custom_padding=\u00bb||0px||false|false\u00bb border_color_all=\u00bb#7cda24&#8243; make_fullwidth=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb0px||0px||false|false\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb30px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2>CONTACTA<br \/>CON NOSOTROS<\/h2>\n<p>[\/et_pb_text][et_pb_code _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb min_height=\u00bb0px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<div class=\"et_pb_row_1\" style=\"min-height:0\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"et_pb_column et_pb_column_3_5\" style=\"<!-- [et_pb_line_break_holder] -->    vertical-align: middle;<!-- [et_pb_line_break_holder] -->    line-height: 20px;<!-- [et_pb_line_break_holder] -->\u00ab>  <!-- [et_pb_line_break_holder] -->    <a href=\"tel:646147415\"><img decoding=\"async\" src=\"http:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/phone-ico.png\"><\/a><!-- [et_pb_line_break_holder] --><a href=\"mailto:andreulopez@sendersfinancers.com\" style=\"<!-- [et_pb_line_break_holder] -->    vertical-align: top;<!-- [et_pb_line_break_holder] -->    line-height: 95px;<!-- [et_pb_line_break_holder] -->    padding-left: 20px;<!-- [et_pb_line_break_holder] -->\t\tcolor:#000000;<!-- [et_pb_line_break_holder] -->\u00ab>646 14 74 15<\/a><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p><!-- [et_pb_line_break_holder] --><\/p>\n<div class=\"et_pb_row_1\"><!-- [et_pb_line_break_holder] -->  <\/p>\n<div class=\"et_pb_column et_pb_column_5_5\" style=\"<!-- [et_pb_line_break_holder] -->    vertical-align: middle;<!-- [et_pb_line_break_holder] -->    line-height: 20px;<!-- [et_pb_line_break_holder] -->\u00ab>  <!-- [et_pb_line_break_holder] -->    <a href=\"mailto:andreulopez@sendersfinancers.com\"><img decoding=\"async\" src=\"http:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/phone-email.png\"><\/a><!-- [et_pb_line_break_holder] --><a href=\"mailto:andreulopez@sendersfinancers.com\" style=\"<!-- [et_pb_line_break_holder] -->    vertical-align: top;<!-- [et_pb_line_break_holder] -->    line-height: 95px;<!-- [et_pb_line_break_holder] -->    padding-left: 20px;<!-- [et_pb_line_break_holder] -->\t\tcolor:#000000;<!-- [et_pb_line_break_holder] -->\u00ab>andreulopez@sendersfinancers.com<\/a><!-- [et_pb_line_break_holder] -->  <\/div>\n<p><!-- [et_pb_line_break_holder] --><\/div>\n<p>[\/et_pb_code][et_pb_code _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_code][\/et_pb_column][et_pb_column type=\u00bb1_2&#8243; _builder_version=\u00bb4.16&#8243; custom_padding=\u00bb|||\u00bb global_colors_info=\u00bb{}\u00bb custom_padding__hover=\u00bb|||\u00bb][et_pb_code _builder_version=\u00bb4.16&#8243; use_background_color_gradient=\u00bbon\u00bb background_color_gradient_direction=\u00bb30deg\u00bb background_color_gradient_stops=\u00bb#569033 10%|#afb81f 100%\u00bb background_color_gradient_start=\u00bb#569033&#8243; background_color_gradient_start_position=\u00bb10%\u00bb background_color_gradient_end=\u00bb#afb81f\u00bb background_image=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/bg-form.png\u00bb parallax=\u00bbon\u00bb parallax_method=\u00bboff\u00bb text_orientation=\u00bbleft\u00bb width=\u00bb100%\u00bb min_height=\u00bb444.5px\u00bb custom_margin=\u00bb||0px||false|false\u00bb custom_margin_tablet=\u00bb\u00bb custom_margin_phone=\u00bb\u00bb custom_margin_last_edited=\u00bbon|phone\u00bb custom_padding=\u00bb||40px||false|false\u00bb text_orientation_tablet=\u00bb\u00bb text_orientation_phone=\u00bb\u00bb text_orientation_last_edited=\u00bbon|phone\u00bb global_colors_info=\u00bb{}\u00bb]<pee>\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f1745-o1\" lang=\"ca\" dir=\"ltr\" data-wpcf7-id=\"1745\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/es\/wp-json\/wp\/v2\/pages\/7291#wpcf7-f1745-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Formulari de contacte\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"1745\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1.7\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"ca\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f1745-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<div class=\"block-1\">\n\t<div class=\"name-block\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"your-name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Nombre...\" value=\"\" type=\"text\" name=\"your-name\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n\t<div class=\"surname-block\">\n\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"surname\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Apellidos...\" value=\"\" type=\"text\" name=\"surname\" \/><\/span>\n\t\t<\/p>\n\t<\/div>\n<\/div>\n<div class=\"block-2\">\n\t<p><label> <span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"E-mail...\" value=\"\" type=\"email\" name=\"email\" \/><\/span> <\/label>\n\t<\/p>\n<\/div>\n<p><span id=\"wpcf7-6ac7e9945c9ce-wrapper\" class=\"wpcf7-form-control-wrap cf7apps-honeypot-wrap website-wrap\" style=\"position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;\"><label for=\"wpcf7-6ac7e9945c9ce-field\" class=\"hp-message\">Deixeu aquest camp buit.<\/label><input id=\"wpcf7-6ac7e9945c9ce-field\"  class=\"wpcf7-form-control wpcf7-text\" type=\"text\" name=\"website\" value=\"\" autocomplete=\"new-password\" tabindex=\"1000\" data-cf7apps-tabindex=\"1000\" \/><\/span>\n<\/p>\n<div class=\"block-3\">\n\t<p><label><span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"10\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Cu\u00e9ntanos tu caso...\" name=\"message\"><\/textarea><\/span><\/label>\n\t<\/p>\n<\/div>\n<div class=\"block-footer\">\n\t<div class=\"left-col\">\n\t\t<div>\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-newsletter\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-newsletter\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> Quiero recibir novedades y noticias de Senders Financers\n\t\t\t<\/p>\n\t\t<\/div>\n\t\t<div>\n\t\t\t<p><span class=\"wpcf7-form-control-wrap\" data-name=\"acceptance-politica\"><span class=\"wpcf7-form-control wpcf7-acceptance optional\"><span class=\"wpcf7-list-item\"><input type=\"checkbox\" name=\"acceptance-politica\" value=\"1\" aria-invalid=\"false\" \/><\/span><\/span><\/span> He le\u00eddo y acepto la <a href=\"\/politica-de-privacidad\" target=\"_blank\">pol\u00edtica de privacidad<\/a>\n\t\t\t<\/p>\n\t\t<\/div>\n\t<\/div>\n\t<div class=\"right-col\">\n\t\t<p><input class=\"wpcf7-form-control wpcf7-submit has-spinner\" type=\"submit\" value=\"Enviar\" \/>\n\t\t<\/p>\n\t<\/div>\n<\/div><p style=\"display: none !important;\" class=\"akismet-fields-container\" data-prefix=\"_wpcf7_ak_\"><label>&#916;<textarea name=\"_wpcf7_ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label><input type=\"hidden\" id=\"ak_js_1\" name=\"_wpcf7_ak_js\" value=\"133\"\/><script type=\"text\/javascript\">\n\/* <![CDATA[ *\/\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n\/* ]]> *\/\n<\/script>\n<\/p><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/pee>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; admin_label=\u00bbBest Beans\u00bb _builder_version=\u00bb4.16&#8243; use_background_color_gradient=\u00bbon\u00bb background_color_gradient_direction=\u00bb81deg\u00bb background_color_gradient_stops=\u00bb#569033 0%|#b6bc1d 100%\u00bb background_color_gradient_start=\u00bb#569033&#8243; background_color_gradient_end=\u00bb#b6bc1d\u00bb custom_padding=\u00bb30px|0px|60px|0px|false|false\u00bb locked=\u00bboff\u00bb collapsed=\u00bbon\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb||20px||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#FFFFFF\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">\u00bfC\u00d3MO TRABAJAMOS?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/integral-h.png\u00bb title_text=\u00bbintegral-h\u00bb align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#FFFFFF\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#FFFFFF\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#FFFFFF\u00bb header_2_font_size=\u00bb30px\u00bb min_height=\u00bb69.2px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">AN\u00c1LISIS INTEGRAL<br \/>DE LA SITUACI\u00d3N<\/h2>\n<p style=\"text-align: center;\">Analizamos el pasado, el presente y el futuro de tus finanzas para conseguir la mejor comprensi\u00f3n y diagn\u00f3stico de la situaci\u00f3n actual planteada.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/integral-h3.png\u00bb title_text=\u00bbintegral-h3&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#FFFFFF\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#FFFFFF\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#FFFFFF\u00bb header_2_font_size=\u00bb30px\u00bb min_height=\u00bb69.2px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">VISI\u00d3N Y PERSPECTIVA SIMPLIFICADA<\/h2>\n<p style=\"text-align: center;\">Simplificamos entornos econ\u00f3micos complejos en que el exceso de los flujos de informaci\u00f3n nos distorsiona la interpretaci\u00f3n y los convertimos en estudios y an\u00e1lisis que proporcionan una visi\u00f3n y perspectiva simplificada.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/integral-h2.png\u00bb title_text=\u00bbintegral-h2&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#FFFFFF\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#FFFFFF\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#FFFFFF\u00bb header_2_font_size=\u00bb30px\u00bb min_height=\u00bb69.2px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">FACILITACI\u00d3N EN LA TOMA DE DECISIONES<\/h2>\n<p style=\"text-align: center;\">No tomamos decisiones por ti, ya que te facilitamos el m\u00e1ximo la toma de decisiones y te damos soporte profesional en todo momento.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.13.1&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||||false|false\u00bb custom_padding=\u00bb10px||||false|false\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; global_module=\u00bb3755&#8243; saved_tabs=\u00bball\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_color=\u00bb#569033&#8243; header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb30px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">\u00bfPOR QU\u00c9 ELEGIRNOS?<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||||false|false\u00bb custom_padding=\u00bb||0px|||\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|40px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/ico-1.png\u00bb title_text=\u00bbico-1&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_text_color=\u00bb#000000&#8243; header_2_font_size=\u00bb30px\u00bb custom_padding=\u00bb||12px|||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">RIGOR<br \/>PROFESIONAL<\/h2>\n<p style=\"text-align: center;\">Buscamos la excelencia en el desarrollo de nuestra tarea profesional y perseguimos aportar soluciones con los m\u00e1ximos niveles de calidad.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|65px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/ico-2.png\u00bb title_text=\u00bbico-2&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_font_size=\u00bb30px\u00bb custom_margin=\u00bb||-2px|||\u00bb custom_padding=\u00bb||18px|||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">ESPECIALIZACI\u00d3N<\/h2>\n<p style=\"text-align: center;\">Nuestro equipo de profesionales presenta elevados conocimientos en los campos de la consultor\u00eda financiera y derecho administrativo y apuesta por la formaci\u00f3n y mejora continua.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|40px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/ico-3-1.png\u00bb title_text=\u00bbico-3&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_font_size=\u00bb30px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">ORIENTACI\u00d3N<br \/>AL CLIENTE<\/h2>\n<p style=\"text-align: center;\">Ponemos al cliente en el centro para identificar las necesidades y prioridades que le surjan y buscando siempre la mejor soluci\u00f3n para satisfacer sus necesidades.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_3,1_3,1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|40px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/ico-4-1.png\u00bb title_text=\u00bbico-4&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_font_size=\u00bb30px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">RESOLUCI\u00d3N DE PROBLEMAS<\/h2>\n<p style=\"text-align: center;\">Presentamos una alta capacidad para obtener soluciones a las diferentes situaciones e incidencias econ\u00f3micas que nos plantean nuestros clientes.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|40px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/09\/email.png\u00bb title_text=\u00bbemail\u00bb align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_font_size=\u00bb30px\u00bb custom_margin=\u00bb||12px|||\u00bb custom_padding=\u00bb||52px|||\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">COMUNICACI\u00d3N<\/h2>\n<p style=\"text-align: center;\">Somos comunicativos y te mantendremos en todo momento informado del grado de avance de la tarea que nos hayas encomendado.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00bb1_3&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_padding=\u00bb20px|20px|40px|20px|false|false\u00bb box_shadow_style=\u00bbpreset1&#8243; global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2021\/08\/ico-5.png\u00bb title_text=\u00bbico-5&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb text_font=\u00bbCatamaran||||||||\u00bb text_text_color=\u00bb#000101&#8243; header_font=\u00bbCatamaran|900|||||||\u00bb header_2_font=\u00bbCatamaran|900|||||||\u00bb header_2_font_size=\u00bb29px\u00bb min_height=\u00bb160.8px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h2 style=\"text-align: center;\">RESPONSABILIDAD SOCIAL<\/h2>\n<p style=\"text-align: center;\">Procuramos causar un impacto amplio y positivo en la comunidad con acciones corporativas que promuevan la Solidaridad.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00bb1&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb60px||40px||false|false\u00bb custom_padding=\u00bb10px||10px||false|false\u00bb border_width_top=\u00bb8px\u00bb border_color_top=\u00bb#569033&#8243; locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_row _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb4_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_text _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb header_font=\u00bbCatamaran|900|||||||\u00bb header_text_align=\u00bbcenter\u00bb header_text_color=\u00bb#569033&#8243; header_2_font_size=\u00bb16px\u00bb global_colors_info=\u00bb{}\u00bb]<\/p>\n<h1>ALGUNOS DE NUESTROS CLIENTES<\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=\u00bb1_4,1_4,1_4,1_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb custom_margin=\u00bb40px||||false|false\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_column type=\u00bb1_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image src=\u00bbhttp:\/\/sendersfinancers.com\/wp-content\/uploads\/2023\/07\/generalitat2.png\u00bb alt=\u00bbajuntament del vendrell\u00bb title_text=\u00bbgeneralitat2&#8243; align=\u00bbcenter\u00bb _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb width=\u00bb65%\u00bb locked=\u00bboff\u00bb global_colors_info=\u00bb{}\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00bb1_4&#8243; _builder_version=\u00bb4.16&#8243; _module_preset=\u00bbdefault\u00bb global_colors_info=\u00bb{}\u00bb][et_pb_image 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