{"id":2836,"date":"2019-03-21T04:28:36","date_gmt":"2019-03-21T09:28:36","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=2836"},"modified":"2026-06-23T02:09:00","modified_gmt":"2026-06-23T02:09:00","slug":"millennials-y-prestamos-personales-cual-es-la-realidad","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/03\/millennials-and-personal-loans-whats-the-real-score\/","title":{"rendered":"Millennials y pr\u00e9stamos personales: \u00bfcu\u00e1l es la verdadera realidad?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Habiendo experimentado la recesi\u00f3n durante su infancia y sido testigos del auge de nuevas tecnolog\u00edas a lo largo de los a\u00f1os, los millennials han desarrollado inevitablemente una forma diferente de ver <a href=\"https:\/\/payment1.com\/es\/prestamos-personales-2\/\">Finanzas personales<\/a>, lidiando con el cr\u00e9dito y utilizando servicios financieros. Hay mucho que decir sobre la generaci\u00f3n m\u00e1s educada hasta la fecha, pero \u00bfen qu\u00e9 se diferencian sus comportamientos financieros de los de sus padres?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Lo que se interpone entre los millennials y la libertad financiera es la deuda por pr\u00e9stamos estudiantiles, que sigue siendo uno de sus mayores obst\u00e1culos. A finales de 2018, la deuda entre las personas de 19 a 29 a\u00f1os hab\u00eda superado la impresionante cifra de $1 bill\u00f3n, y los pr\u00e9stamos estudiantiles representan la mayor parte de esa cantidad. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">TransUnion realiz\u00f3 un <\/span><a href=\"https:\/\/solutions.transunion.com\/millennials\/resources\/files\/TransUnion-Millennial-Study-Campaign-Report.pdf\"><span style=\"font-weight: 400;\">estudiar<\/span><\/a><span style=\"font-weight: 400;\"> sobre la salud financiera de los millennials. El estudio arroj\u00f3 muchas ideas sobre c\u00f3mo los millennials usan y adquieren cr\u00e9dito, manejan deudas y pagan por <a href=\"https:\/\/payment1.com\/es\/2019\/02\/28\/es-buena-idea-usar-un-prestamo-personal-para-pagar-deudas-medicas\/\">atenci\u00f3n m\u00e9dica<\/a>, entre otros aspectos. Algunos de los hallazgos clave del estudio incluyen:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Los millennials de entre 25 y 34 a\u00f1os tienen un ingreso mediano 5% menor que el de la Generaci\u00f3n X en la misma etapa de sus vidas.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Los millennials no usan tarjetas de cr\u00e9dito tanto como sus contrapartes de la Generaci\u00f3n X, a pesar del aumento de acceso a tarjetas de cr\u00e9dito disponible para los primeros. Prefieren usar efectivo o tarjetas de d\u00e9bito. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cada vez m\u00e1s millennials no pagan la atenci\u00f3n m\u00e9dica en su totalidad. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Los Millennials obtienen m\u00e1s pr\u00e9stamos para autos que la Generaci\u00f3n X. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Los millennials solicitan pr\u00e9stamos personales m\u00e1s de dos veces m\u00e1s que la Generaci\u00f3n X. <\/span><\/li>\n<\/ul>\n<p><strong>Ahora, \u00bfpor qu\u00e9 los pr\u00e9stamos personales son atractivos para los millennials?<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Esto se ve muy influenciado por la disponibilidad de plataformas en l\u00ednea en las que pueden postularse. La disponibilidad y la facilidad que ofrecen dichas plataformas son muy atractivas para los millennials, quienes pr\u00e1cticamente crecieron con internet. Los prestamistas en l\u00ednea ofrecen tiempos de respuesta r\u00e1pidos, papeleo reducido y un proceso de solicitud m\u00e1s f\u00e1cil, por nombrar algunas ventajas. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Otra raz\u00f3n destacada para esto es la disminuci\u00f3n del uso de tarjetas de cr\u00e9dito. La Ley de Responsabilidad, Rendici\u00f3n de Cuentas y Divulgaci\u00f3n de Tarjetas de Cr\u00e9dito (CARD, por sus siglas en ingl\u00e9s) de 2009 limit\u00f3 la comercializaci\u00f3n de tarjetas de cr\u00e9dito en los campus universitarios. La preferencia de los millennials por usar efectivo o tarjetas de d\u00e9bito en lugar de tarjetas de cr\u00e9dito podr\u00eda atribuirse a esta legislaci\u00f3n, por lo que en lugar de gastar su dinero pagando <a href=\"https:\/\/payment1.com\/es\/2019\/01\/30\/como-evitar-endeudarse-demasiado\/\">deudas de tarjeta de cr\u00e9dito<\/a>, los millennials se centran en adquirir pr\u00e9stamos para autom\u00f3viles y personales.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Los pr\u00e9stamos personales son atractivos para los millennials porque no requieren garant\u00eda. Como la mayor\u00eda de ellos suelen hacer su primera compra con la ayuda de un pr\u00e9stamo personal, es posible que ni siquiera tengan un activo para usar como garant\u00eda en primer lugar.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finalmente, los millennials encuentran el pr\u00e9stamo personal como una buena manera de consolidar sus deudas; les da la oportunidad de transferir deudas de alto inter\u00e9s a un pr\u00e9stamo personal de menor inter\u00e9s. Los consumidores tambi\u00e9n pueden pagar sus pr\u00e9stamos personales en un horario regular, a lo largo de varios a\u00f1os, lo que les ayuda en la planificaci\u00f3n financiera y, de alguna manera, les da una idea de lo que les depara la deuda.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Having experienced recession growing up and witnessing the rise of new technologies through the years, millennials have inevitably developed a different way of looking at personal finance, dealing with credit, and utilizing financial services. There is much to say about the most educated generation to date, but how do their financial behaviors differ from their [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":2837,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,38],"tags":[113,112,104],"class_list":["post-2836","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-promotions","tag-financial-education","tag-loan-management","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>Millennials and Personal Loans: What\u2019s the real score? - 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\/2019\/03\/millennials-y-prestamos-personales-cual-es-la-realidad\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Millennials and Personal Loans: What\u2019s the real score? - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Having experienced recession growing up and witnessing the rise of new technologies through the years, millennials have inevitably developed a different way of looking at personal finance, dealing with credit, and utilizing financial services. 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