{"id":21068,"date":"2021-09-08T11:20:31","date_gmt":"2021-09-08T11:20:31","guid":{"rendered":"https:\/\/payment1.com\/?p=21068"},"modified":"2026-06-23T01:46:09","modified_gmt":"2026-06-23T01:46:09","slug":"7-cosas-que-los-prestamistas-evaluan-al-considerar-tu-solicitud-de-prestamo-personal","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2021\/09\/7-things-lenders-look-at-when-considering-your-personal-loan-application\/","title":{"rendered":"7 cosas que los prestamistas consideran al evaluar tu solicitud de pr\u00e9stamo personal"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">En un <\/span><a href=\"https:\/\/payment1.com\/es\/que-es-un-prestamo-personal\/\"><span style=\"font-weight: 400;\">solicitud de pr\u00e9stamo personal<\/span><\/a><span style=\"font-weight: 400;\">, tu puntaje de cr\u00e9dito juega un papel importante en la aprobaci\u00f3n, pero no lo es todo. Cada prestamista tiene muchas consideraciones diferentes al solicitar un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\">. Es crucial que detalles cada punto al m\u00e1ximo para aumentar tus oportunidades de obtener el pr\u00e9stamo que necesitas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Hay varios factores que los bancos e instituciones financieras consideran para asegurarse de que pueden confiarte su dinero. Ya sea que solicites <\/span><span style=\"font-weight: 400;\">pr\u00e9stamos personales en l\u00ednea<\/span><span style=\"font-weight: 400;\"> o en persona, estas pueden darte la ventaja que necesitas. Aqu\u00ed hay 7 cosas que los prestamistas observan. Muchos de estos detalles son algo de lo que debes ser consciente.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">1. Puntaje y Historial Crediticio<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Como notamos inicialmente, tu puntaje de cr\u00e9dito es uno de los factores m\u00e1s importantes, no solo para obtener la aprobaci\u00f3n de un pr\u00e9stamo, sino tambi\u00e9n para obtener las mejores <\/span><span style=\"font-weight: 400;\">tasas de pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\">. <\/span><a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/credit-education\/score-basics\/what-affects-your-credit-scores\/\"><span style=\"font-weight: 400;\">Puntajes de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> involucre su historial general de pr\u00e9stamos, incluyendo, pero no limit\u00e1ndose a:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historial de pagos<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deuda pendiente<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Duraci\u00f3n del historial crediticio<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Combinaci\u00f3n de cr\u00e9dito<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">N\u00famero de cr\u00e9ditos nuevos abiertos<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">A medida que aprendes <\/span><span style=\"font-weight: 400;\">\u00bfC\u00f3mo obtener un pr\u00e9stamo personal?<\/span><span style=\"font-weight: 400;\">, notar\u00e1s que los puntajes de cr\u00e9dito var\u00edan entre 300 y 850, bajando en algunas instituciones. Si quieres un mejor <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\">, quieres una calificaci\u00f3n m\u00e1s alta para obtener las mejores tasas de inter\u00e9s.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para los que vienen por primera vez, quieres <\/span><a href=\"https:\/\/payment1.com\/es\/como-mejorar-tu-historial-crediticio-usando-tu-tarjeta-de-credito\/\"><span style=\"font-weight: 400;\">construye tu puntaje de cr\u00e9dito<\/span><\/a><span style=\"font-weight: 400;\"> antes de solicitar <\/span><span style=\"font-weight: 400;\">pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\"> para construir tu historial crediticio. Esto les da a tus posibles prestamistas un buen punto de referencia con el que pueden empezar.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">2. Historial de ingresos y empleo<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">En cualquier escenario, los prestamistas e instituciones financieras querr\u00e1n asegurarse de que puedas pagar tus deudas. Har\u00e1n todo lo posible para mitigar los factores y variables de riesgo, por lo que otro factor que consideran es tu historial de ingresos y empleo. Adem\u00e1s de tu puntaje crediticio, esto juega un papel importante en tu <\/span><span style=\"font-weight: 400;\">solicitud de pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los requisitos de ingresos m\u00e1s comunes cambian dependiendo de la cantidad que pidas prestada contra los ingresos que tienes. Cuanto mayor sea la cantidad que pidas prestada, m\u00e1s probabilidades tendr\u00e1 el prestamista de ser cr\u00edtico con tus ingresos y empleo. Investigar\u00e1n el desglose de tus ingresos y c\u00f3mo incorporar\u00e1s tus pagos del pr\u00e9stamo en ellos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Tambi\u00e9n examinar\u00e1n tu estabilidad laboral. \u00bfQu\u00e9 tan estable eres en tu empresa\/negocio para asegurar un flujo de ingresos constante? Las personas que llevan poco tiempo trabajando o los reci\u00e9n aut\u00f3nomos pueden tener m\u00e1s dificultades para conseguir <\/span><a href=\"https:\/\/payment1.com\/es\/millennials-y-prestamos-personales-cual-es-la-realidad\/\"><span style=\"font-weight: 400;\">pr\u00e9stamos personales en l\u00ednea<\/span><\/a><span style=\"font-weight: 400;\"> debido a su limitado historial laboral.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">3. Activos l\u00edquidos<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">En muchas situaciones, los prestamistas har\u00e1n todo lo posible para ayudar a los prestatarios a obtener un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\">. Incluso si tienes ingresos estables y un buen puntaje crediticio, ellos quieren asegurarse de que podr\u00e1n recuperar su dinero, especialmente de aquellos que comienzan nuevas empresas. Algunos prestamistas pedir\u00e1n una lista de tus activos l\u00edquidos que puedas convertir f\u00e1cilmente en efectivo.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los activos l\u00edquidos son cosas que puedes vender lo antes posible para pagar el monto que pediste prestado. Esto puede ser cualquier cosa, desde efectivo, acciones, bonos y, en algunos prestamistas especializados, criptomonedas.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La idea es que si pierdes tu trabajo o te embarcas en un emprendimiento fallido, tengas activos l\u00edquidos para cubrir el monto que pediste prestado. Los prestamistas ser\u00e1n m\u00e1s propensos a aprobar tu <\/span><span style=\"font-weight: 400;\">solicitud de pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\"> si pueden ver que tienes activos l\u00edquidos preparados.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">4. \u00cdndice de endeudamiento<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">En relaci\u00f3n con tus ingresos, el <\/span><a href=\"https:\/\/www.investopedia.com\/ask\/answers\/081214\/whats-considered-be-good-debttoincome-dti-ratio.asp\"><span style=\"font-weight: 400;\">ratio deuda-ingreso<\/span><\/a><span style=\"font-weight: 400;\"> es algo que el prestamista exigente observar\u00e1. Si tienes un pr\u00e9stamo existente a tu nombre, como un <\/span><a href=\"https:\/\/payment1.com\/es\/un-prestamo-con-garantia-de-titulo\/\"><span style=\"font-weight: 400;\">Pr\u00e9stamo con garant\u00eda de t\u00edtulo de autom\u00f3vil<\/span><\/a><span style=\"font-weight: 400;\">, los prestamistas ver\u00e1n si a\u00fan puedes cubrir el monto que est\u00e1s solicitando.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A las instituciones financieras les gustar\u00eda ver un \u00edndice de deuda a ingresos de 36% o menos, y un m\u00e1ximo de 43%. Dentro de este \u00edndice, lo ideal es que el porcentaje destinado a tu hipoteca sea de 28% o menos. Cualquier valor superior a 43% es una se\u00f1al de alerta para los prestamistas, lo que podr\u00eda dar lugar a que se rechace la solicitud.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Algunos prestatarios que tienen un \u00edndice de endeudamiento de 43% o superior a\u00fan pueden obtener un pr\u00e9stamo. Aun as\u00ed, esto solo ocurre si cuentan con ingresos absurdamente altos, un buen historial crediticio o si aceptan un <\/span><span style=\"font-weight: 400;\">tasas de pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\">. Sin embargo, la mayor\u00eda de los prestamistas no se arriesgar\u00e1n ante se\u00f1ales de alerta obvias, por lo que es mejor pagar el monto para reducir su \u00edndice.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">5. Personaje<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Uno de los requisitos m\u00e1s estrictos que tienen los bancos y prestamistas es el car\u00e1cter, que se refiere a una verificaci\u00f3n exhaustiva de tu historial personal y empresarial. Algunos prestamistas investigar\u00e1n tu reputaci\u00f3n en el \u00e1mbito de los negocios, lo que puede considerar:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Historial de cr\u00e9dito personal limpio<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Referencias confiables<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Antecedentes<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Educaci\u00f3n<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cr\u00e9dito comercial s\u00f3lido<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">El car\u00e1cter es lo m\u00e1s importante para el alto valor <\/span><span style=\"font-weight: 400;\">pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\"> que llegan a decenas de miles. Sin un buen perfil de personaje o con un <\/span><a href=\"https:\/\/payment1.com\/es\/5-practicas-que-podrian-perjudicar-tu-puntaje-de-credito\/\"><span style=\"font-weight: 400;\">historia de la delincuencia<\/span><\/a><span style=\"font-weight: 400;\"> en tu historial crediticio personal o de negocios, es posible que no consigas el monto que deseas.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">6. Plazo del Pr\u00e9stamo<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Cuando aprendas <\/span><span style=\"font-weight: 400;\">\u00bfC\u00f3mo obtener un pr\u00e9stamo personal?<\/span><span style=\"font-weight: 400;\">, un detalle vital que debes observar es el plazo de tu pr\u00e9stamo. Los prestamistas hacen lo mismo, verificando la viabilidad del pr\u00e9stamo que obtienes durante todo tu tiempo de pago.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La mayor\u00eda de las carreras ser\u00e1n estables por algunos a\u00f1os, pero un prestamista considera tu viabilidad financiera a lo largo del tiempo, especialmente si tu plazo de pago es a a\u00f1os vista. Los prestamistas suelen sentirse m\u00e1s c\u00f3modos con pr\u00e9stamos que tienen plazos de pago m\u00e1s cortos debido a menores riesgos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Un plazo de pr\u00e9stamo m\u00e1s corto significa que tendr\u00edas que pagar una cantidad mayor al mes. Tambi\u00e9n tendr\u00e1s menor <\/span><span style=\"font-weight: 400;\">tasas de pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\">, as\u00ed que todo se resolver\u00e1 al final.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">De todos modos, considere si tiene la capacidad de pagar montos m\u00e1s altos por un per\u00edodo de pr\u00e9stamo m\u00e1s corto. Cuanto m\u00e1s corto sea el pago de su pr\u00e9stamo, mayores ser\u00e1n sus posibilidades de obtener un pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\"> Solicitud de pr\u00e9stamo aprobada<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">7. Clima Econ\u00f3mico<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Un factor cr\u00edtico que algunos prestamistas consideran cuando solicita <\/span><span style=\"font-weight: 400;\">pr\u00e9stamos personales<\/span><span style=\"font-weight: 400;\"> es la condici\u00f3n de la industria en la que trabajas. Los climas econ\u00f3micos cambian cada a\u00f1o, algo que probablemente no podr\u00e1s controlar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Si provienes de una industria de alto riesgo con una alta tasa de despidos, es probable que tu prestamista <\/span><a href=\"https:\/\/payment1.com\/es\/posibles-razones-por-las-que-tu-solicitud-de-prestamo-personal-fue-denegada\/\"><span style=\"font-weight: 400;\">denegar su solicitud<\/span><\/a><span style=\"font-weight: 400;\">. La idea es que la instituci\u00f3n financiera busca protegerse en caso de una desaceleraci\u00f3n econ\u00f3mica repentina, donde las posibilidades de que te despidan pueden ser altas.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Para obtener la aprobaci\u00f3n, la mayor\u00eda de los prestamistas examinar\u00e1n su historial laboral y su capacidad para superar condiciones econ\u00f3micas dif\u00edciles. Esto puede reflejarse en su historial laboral y en su historial crediticio.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">El resultado final<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">solicitud de pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\"> no deber\u00eda ser tedioso ni estresante. Ya sea que est\u00e9s obteniendo tu <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal en l\u00ednea<\/span><span style=\"font-weight: 400;\"> o en persona, necesitas tener todos tus detalles y documentaci\u00f3n preparados para el interrogatorio.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Mira tu historial personal y mira si tienes buenas instalaciones para un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\">. Considera los factores que enumeramos y <\/span><a href=\"https:\/\/payment1.com\/es\/contact-us\/\"><span style=\"font-weight: 400;\">comprar prestamistas<\/span><\/a><span style=\"font-weight: 400;\"> que consideren tu situaci\u00f3n actual. Recuerda, cuanto menor sea tu riesgo personal, m\u00e1s f\u00e1cil ser\u00e1 obtener un <\/span><span style=\"font-weight: 400;\">pr\u00e9stamo personal<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>In a personal loan application, your credit score plays a big part in getting approved, but it\u2019s not the end. Every lender has many different considerations when applying for personal loans. It\u2019s crucial that you iron every detail to maximize your chances of getting the loan that you need. There are several factors that banks [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":21069,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[107,113,104],"class_list":["post-21068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-resources","tag-credit-scores","tag-financial-education","tag-personal-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7 Things Lenders Look at When Considering Your Personal Loan Application - Payment 1<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/payment1.com\/es\/2021\/09\/7-cosas-que-los-prestamistas-evaluan-al-considerar-tu-solicitud-de-prestamo-personal\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 Things Lenders Look at When Considering Your Personal Loan Application - Payment 1\" \/>\n<meta property=\"og:description\" content=\"In a personal loan application, your credit score plays a big part in getting approved, but it\u2019s not the end. Every lender has many different considerations when applying for personal loans. It\u2019s crucial that you iron every detail to maximize your chances of getting the loan that you need. 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