{"id":3061,"date":"2019-06-23T22:24:14","date_gmt":"2019-06-24T03:24:14","guid":{"rendered":"http:\/\/payment1.flywheelsites.com\/?p=3061"},"modified":"2026-08-02T20:41:48","modified_gmt":"2026-08-02T20:41:48","slug":"es-una-buena-idea-refinanciar-un-prestamo-de-auto","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2019\/06\/is-refinancing-an-auto-loan-a-good-idea\/","title":{"rendered":"\u00bfEs una buena idea refinanciar un pr\u00e9stamo de autom\u00f3vil?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Refinanciar un coche <a href=\"https:\/\/payment1.com\/es\/2019\/02\/18\/los-tipos-de-prestamos-mas-comunes\/\">pr\u00e9stamo<\/a>\u00a0simplemente significa obtener un nuevo pr\u00e9stamo para pagar un pr\u00e9stamo de autom\u00f3vil existente, con el <a href=\"https:\/\/payment1.com\/es\/2019\/04\/08\/7-reparaciones-comunes-de-automoviles-y-como-financiarlas\/\">coche<\/a> como garant\u00eda. Esta es una opci\u00f3n atractiva si te encuentras con poco efectivo o si descubres una oferta de tasa de inter\u00e9s mejor. <\/span><\/p>\n<p><b>\u00bfQu\u00e9 podr\u00eda pasar si refinancias un pr\u00e9stamo de auto?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><b>Pagos mensuales m\u00e1s bajos para el auto<\/b><span style=\"font-weight: 400;\">. Si refinancias tu <a href=\"https:\/\/payment1.com\/es\/2019\/01\/24\/4-cosas-que-debes-saber-antes-de-obtener-un-prestamo-con-garantia-de-titulo-de-auto\/\">pr\u00e9stamo automotriz<\/a>, es posible que el monto de tu cuota mensual disminuya debido a una tasa de inter\u00e9s m\u00e1s baja o a un plazo m\u00e1s largo, o a ambos.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Tasa de inter\u00e9s reducida<\/b><span style=\"font-weight: 400;\">. Si califica para una tasa de inter\u00e9s m\u00e1s baja en el nuevo pr\u00e9stamo, podr\u00eda significar que pagar\u00e1 una tasa de inter\u00e9s m\u00e1s baja por su deuda en total, siempre que el plazo del pr\u00e9stamo no se extienda a un t\u00e9rmino m\u00e1s largo.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Plazo de pr\u00e9stamo extendido<\/b><span style=\"font-weight: 400;\">. En este escenario, tus pagos mensuales ser\u00e1n menores y tendr\u00e1s m\u00e1s tiempo para pagar tu pr\u00e9stamo. Sin embargo, esto podr\u00eda resultar en que pagues m\u00e1s por el auto en total, considerando los intereses.<\/span><\/li>\n<li style=\"font-weight: 400;\"><b>Plazo de pr\u00e9stamo m\u00e1s corto<\/b><span style=\"font-weight: 400;\">. Por otro lado, tu plazo del pr\u00e9stamo tambi\u00e9n puede ser m\u00e1s corto, lo que hace que tus pagos mensuales sean m\u00e1s altos, pero el pago total sea menor debido a la tasa de inter\u00e9s m\u00e1s baja.<\/span><\/li>\n<\/ul>\n<p><b>Es una buena idea refinanciar un pr\u00e9stamo de autom\u00f3vil cuando:\n* **Puedes obtener una tasa de inter\u00e9s m\u00e1s baja:** Si las tasas de inter\u00e9s del mercado han bajado desde que obtuviste tu pr\u00e9stamo original, podr\u00edas calificar para una tasa m\u00e1s baja al refinanciar. Esto puede ahorrarte dinero en intereses a lo largo de la vida del pr\u00e9stamo.\n* **Tu puntaje crediticio ha mejorado significativamente:** Un puntaje crediticio m\u00e1s alto generalmente significa que calificar\u00e1s para tasas de inter\u00e9s m\u00e1s bajas. Si tu cr\u00e9dito ha mejorado desde que obtuviste tu pr\u00e9stamo, podr\u00edas obtener mejores condiciones.\n* **Necesitas reducir tu pago mensual:** Si est\u00e1s luchando por hacer tus pagos actuales, refinanciar a un plazo m\u00e1s largo o a una tasa de inter\u00e9s m\u00e1s baja podr\u00eda reducir tu pago mensual, aliviando tu carga financiera.\n* **Necesitas extraer capital del veh\u00edculo:** Algunas opciones de refinanciamiento (conocidas como \"cash-out refinance\") te permiten pedir prestado m\u00e1s de lo que debes en tu autom\u00f3vil y recibir la diferencia en efectivo. Esto puede ser \u00fatil si necesitas fondos para otras necesidades.\n* **Quieres acortar el plazo del pr\u00e9stamo:** Si puedes mantener el mismo pago mensual o incluso aumentarlo ligeramente, podr\u00edas acortar el plazo de tu pr\u00e9stamo refinanci\u00e1ndolo. Esto te permitir\u00e1 pagar tu autom\u00f3vil m\u00e1s r\u00e1pido y ahorrar en intereses a largo plazo.\n* **La compa\u00f1\u00eda de tu pr\u00e9stamo actual tiene tarifas o cargos ocultos:** Si notas tarifas poco claras o muy altas con tu prestamista actual, podr\u00edas encontrar un prestamista m\u00e1s transparente y con mejores condiciones.\n\n**Antes de refinanciar, considera:**\n\n* **Las tarifas de originaci\u00f3n:** Algunos prestamistas cobran tarifas por procesar un nuevo pr\u00e9stamo.\n* **El impacto en tu puntaje crediticio:** Solicitar un nuevo cr\u00e9dito puede afectar temporalmente tu puntaje.\n* **Si el ahorro total supera las tarifas:** Aseg\u00farate de que los ahorros en intereses justifiquen cualquier tarifa asociada.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Antes de decidir refinanciar el pr\u00e9stamo de tu auto, lo mejor es revisar tu situaci\u00f3n actual y ver si te conviene proceder. Aqu\u00ed tienes escenarios en los que refinanciar el pr\u00e9stamo de tu auto tiene sentido.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Observas una disminuci\u00f3n significativa en la tasa de inter\u00e9s con respecto a la primera vez que solicitaste el pr\u00e9stamo original para tu auto. Una baja de dos o tres por ciento en el inter\u00e9s puede significar ahorros enormes en la totalidad de tu pr\u00e9stamo.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Necesitas ahorrar dinero de inmediato debido a una <a href=\"https:\/\/payment1.com\/es\/2019\/02\/14\/como-pagar-por-atencion-veterinaria-de-emergencia-cuando-tienes-poco-dinero\/\">gasto de emergencia<\/a> o una disminuci\u00f3n repentina de ingresos. Si necesitas liberar algo de efectivo lo antes posible, puede ser una buena idea refinanciar el pr\u00e9stamo de tu autom\u00f3vil, ya que puede reducir tus obligaciones financieras mensuales por el coche.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Tambi\u00e9n puedes considerar dar este paso si tu <a href=\"https:\/\/payment1.com\/es\/2019\/01\/11\/que-saber-sobre-el-puntaje-de-credito\/\">puntaje de cr\u00e9dito<\/a> ha mejorado desde que tomaste el pr\u00e9stamo original para el auto. Un mejor puntaje de cr\u00e9dito significa una tasa de inter\u00e9s m\u00e1s baja, lo que se traduce en grandes ahorros a largo plazo.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Tu \u00edndice de deuda\/ingresos ha mejorado. Al igual que con el puntaje crediticio, los prestamistas analizan tu situaci\u00f3n financiera actual al determinar la tasa de inter\u00e9s adecuada.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Incluso si tu situaci\u00f3n financiera no mejor\u00f3 o tu puntaje de cr\u00e9dito no es mejor, sigue siendo una buena idea buscar mejores ofertas de tasas de inter\u00e9s que las que obtuviste la primera vez. Si obtuviste tu pr\u00e9stamo original de un concesionario de autos, es probable que te hayan ofrecido tasas de inter\u00e9s m\u00e1s altas. <\/span><\/li>\n<\/ul>\n<p><b>\u00bfCu\u00e1ndo es? <\/b><b><i>no <\/i><\/b><b>\u00bfEs una buena idea refinanciar un pr\u00e9stamo de auto?<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cuanto m\u00e1s esperes para refinanciar, menos ahorrar\u00e1s en intereses. Si ya has pagado la mayor parte de tu pr\u00e9stamo original del autom\u00f3vil, lo mejor ser\u00eda terminar de pagarlo y no refinanciar m\u00e1s.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A diferencia de otros tipos de propiedades, los autos se deprecian r\u00e1pidamente. Si tu auto ya tiene una cantidad considerable de millas, probablemente no sea una buena idea refinanciar. <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Si las comisiones de transacci\u00f3n, entre otras tarifas asociadas al refinanciamiento, simplemente compensan los ahorros, es mejor no continuar con el refinanciamiento de tu pr\u00e9stamo de auto. Estos gastos podr\u00edan no ser tan altos, pero es mejor evaluar si puedes pagar estas tarifas antes de refinanciar.<\/span><\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>Refinancing a car loan\u00a0simply means getting a new loan to pay off an existing auto loan, with the car as collateral. This is an appealing option if you find yourself low on cash or you learn about a better interest rate deal. What could possibly happen if you refinance a car loan? Lower monthly car [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":3062,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[28,38],"tags":[113,112,105],"class_list":["post-3061","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","category-promotions","tag-financial-education","tag-loan-management","tag-title-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Is Refinancing an Auto Loan a Good Idea? - 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\/06\/es-una-buena-idea-refinanciar-un-prestamo-de-auto\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Refinancing an Auto Loan a Good Idea? - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Refinancing a car loan\u00a0simply means getting a new loan to pay off an existing auto loan, with the car as collateral. 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- Payment 1","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/payment1.com\/es\/2019\/06\/es-una-buena-idea-refinanciar-un-prestamo-de-auto\/","og_locale":"es_MX","og_type":"article","og_title":"Is Refinancing an Auto Loan a Good Idea? - Payment 1","og_description":"Refinancing a car loan\u00a0simply means getting a new loan to pay off an existing auto loan, with the car as collateral. This is an appealing option if you find yourself low on cash or you learn about a better interest rate deal. What could possibly happen if you refinance a car loan? 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