{"id":31953,"date":"2018-05-01T10:52:29","date_gmt":"2018-05-01T15:52:29","guid":{"rendered":"http:\/\/innovatori.space\/lat21\/?p=31953"},"modified":"2018-10-01T16:59:54","modified_gmt":"2018-10-01T21:59:54","slug":"seguir-sonando-o-pedir-un-prestamo","status":"publish","type":"post","link":"https:\/\/l21.mx\/?p=31953","title":{"rendered":"Seguir so\u00f1ando o  pedir un pr\u00e9stamo"},"content":{"rendered":"<div id=\"attachment_31955\" style=\"width: 216px\" class=\"wp-caption alignleft\"><img decoding=\"async\" aria-describedby=\"caption-attachment-31955\" class=\"wp-image-31955 \" title=\"Adalberto Ruanova\" src=\"http:\/\/l21.mx\/wp-content\/uploads\/2018\/05\/adalberto-ruanova-282x300.jpg\" alt=\"Adalberto Ruanova\" width=\"206\" height=\"219\" srcset=\"https:\/\/l21.mx\/wp-content\/uploads\/2018\/05\/adalberto-ruanova-282x300.jpg 282w, https:\/\/l21.mx\/wp-content\/uploads\/2018\/05\/adalberto-ruanova.jpg 320w\" sizes=\"(max-width: 206px) 100vw, 206px\" \/><p id=\"caption-attachment-31955\" class=\"wp-caption-text\"><strong>Adalberto Ruanova <\/strong><\/p><\/div>\n<p><strong>\u00bfAlguna vez te has preguntado cu\u00e1ntas veces no llevas a cabo un sue\u00f1o o proyecto por falta de dinero?<\/strong> Ese viaje a la playa que tanto anhelas, la remodelaci\u00f3n de tu casa o el cuarto nuevo para tus hijos. Si la respuesta es s\u00ed, entonces, al igual que muchos mexicanos, t\u00fa tambi\u00e9n tienes la idea de que pedir un pr\u00e9stamo consiste en obtener dinero, el cual o nunca se terminar\u00e1 de pagar o se puede ir acumulando la deuda si no se cumple con los pagos.<\/p>\n<p>Pero, \u00bfqu\u00e9 tan cierto podr\u00eda ser esto? Los cr\u00e9ditos surgieron como una herramienta para ayudar a las personas a obtener bienes o servicios que no podr\u00edan pagar de contado, situaci\u00f3n que con el tiempo ha tomado un mayor auge gracias a la regulaci\u00f3n que han generado las instituciones financieras, quienes prestan con la condici\u00f3n de pagar en el plazo convenido por ambas partes y con la tasa de inter\u00e9s que la instituci\u00f3n establezca.<\/p>\n<p>Sabiendo lo anterior, \u00bfsabes realmente por qu\u00e9 necesitas dinero extra? Esta pregunta tiene la intenci\u00f3n de crear conciencia a la hora de pedir un pr\u00e9stamo, ya que algunas veces no se tiene un fin certero para el cr\u00e9dito que se quiere solicitar. Un claro ejemplo es el cambio de casa, esta mudanza traer\u00e1 consigo el gusto por adquirir muebles que vayan acorde al nuevo espacio, pero esto sugiere una inversi\u00f3n fuerte que por lo regular no es posible costear de manera inmediata, es ah\u00ed donde entran los pr\u00e9stamos que te ayudar\u00e1n a liquidarlo poco a poco.<\/p>\n<p>Ahora bien, antes de contratar un cr\u00e9dito elabora un plan en el que contemples mes con mes el pago que generar\u00e1, revisa el monto total y el plazo a liquidarlo. Si te das cuenta de que no puedes cubrir las mensualidades, solicita un monto que se adapte a tus posibilidades y as\u00ed no te sentir\u00e1s presionado.<\/p>\n<p>Aseg\u00farate de tener una tasa de inter\u00e9s fija, y la v\u00eda por la cual ser\u00e1 cobrada. No olvides la fecha de pago de tu cr\u00e9dito, ya que el incumplirlo te generar\u00e1 intereses y recargos que har\u00e1n que tu deuda se acreciente y no la puedas pagar en tiempo y forma.<\/p>\n<p>Es necesario que tengas en cuenta que al contratarlo se adquiere una deuda con la cual debes comprometerte a liquidar, sin que afecte tus gastos cotidianos que normalmente cubres con el salario que recibes por tu trabajo, y as\u00ed poder lograr tu objetivo sin ninguna preocupaci\u00f3n.<\/p>\n<p>Asimismo, s\u00e9 prevenido e inf\u00f3rmate sobre las instituciones que est\u00e1n reconocidas por la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (Condusef)\u00a0 y por la Comisi\u00f3n Nacional Bancaria y de Valores (CNBV), para evitar ser v\u00edctima de fraude.<\/p>\n<p>Lo anterior son algunas recomendaciones a seguir para tener \u00e9xito a la hora de solicitar un cr\u00e9dito, el destino de tu dinero lo fijas t\u00fa.<\/p>\n<p>Si eres una persona independiente que ha trabajado durante muchos a\u00f1os ya tienes una idea de c\u00f3mo organizar tus gastos diarios, pero mantener unas finanzas saludables te ayudar\u00e1 a llevar a cabo todos los proyectos que te has propuesto.<\/p>\n<p>Recuerda que los cr\u00e9ditos son una herramienta \u00fatil para cubrir un gasto inmediato o sacar adelante tus proyectos, siempre y cuando te organices en tus pagos para que no te generen ninguna preocupaci\u00f3n y as\u00ed puedas realizar tus sue\u00f1os.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfAlguna vez te has preguntado cu\u00e1ntas veces no llevas a cabo un sue\u00f1o o proyecto por&hellip;<\/p>\n","protected":false},"author":2,"featured_media":31955,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_lmt_disableupdate":"","_lmt_disable":"","_mbp_gutenberg_autopost":false,"footnotes":""},"categories":[44,20],"tags":[],"class_list":["post-31953","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cuarto-de-huespedes","category-columnas"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguir so\u00f1ando o pedir un pr\u00e9stamo | Revista Latitud 21<\/title>\n<meta name=\"description\" content=\"L21, Emprendedores y Negocios en el Caribe Mexicano, es la revista l\u00edder entre el Sector Empresarial y Tur\u00edstico del Caribe Mexicano.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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