{"id":38174,"date":"2022-04-18T05:36:40","date_gmt":"2022-04-18T05:36:40","guid":{"rendered":"https:\/\/payment1.com\/?p=38174"},"modified":"2026-08-02T20:40:32","modified_gmt":"2026-08-02T20:40:32","slug":"entendiendo-los-diferentes-tipos-de-prestamos","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2022\/04\/understanding-the-different-types-of-loans\/","title":{"rendered":"Comprendiendo los diferentes tipos de pr\u00e9stamos"},"content":{"rendered":"

La mayor\u00eda de nosotros nos encontramos necesitando o queriendo comprar algo que no podemos pagar en el momento, lo que hace necesario solicitar pr\u00e9stamos. Ya sea un coche, una casa, un t\u00edtulo universitario o una boda, no todos podemos ahorrar para estos art\u00edculos a tiempo. Sin embargo, es importante tener en cuenta que no todos los pr\u00e9stamos son iguales: diferentes pr\u00e9stamos se adaptan a diferentes prestatarios.\u00a0<\/span><\/p>\n

Los siguientes son los diferentes tipos de pr\u00e9stamos y un breve resumen de qu\u00e9 son. La lista incluye algunos de los tipos de pr\u00e9stamos que no se han discutido mucho en nuestros art\u00edculos de blog.\u00a0\u00a0<\/span><\/p>\n

Comprendiendo los diferentes tipos de pr\u00e9stamos<\/span><\/h2>\n

Pr\u00e9stamos para peque\u00f1as empresas<\/span><\/h3>\n

Tanto los prestamistas tradicionales como los alternativos ofrecen pr\u00e9stamos para peque\u00f1as empresas a los emprendedores. Estos pr\u00e9stamos est\u00e1n disponibles para quienes poseen empresas con hasta 300 empleados. Los pr\u00e9stamos para peque\u00f1as empresas vienen en diferentes tipos seg\u00fan las necesidades de tu negocio, la duraci\u00f3n del pr\u00e9stamo y los t\u00e9rminos espec\u00edficos. Aqu\u00ed tienes algunos de ellos.<\/span><\/p>\n

Pr\u00e9stamos por desastre de la Administraci\u00f3n de Peque\u00f1as Empresas (SBA)<\/b>. Estos pr\u00e9stamos est\u00e1n disponibles para quienes tengan negocios que hayan sufrido crisis o desastres declarados, incluida la pandemia de COVID-19. La tasa de inter\u00e9s suele ser de 3,75%, con un plazo de pago de hasta 30 a\u00f1os.<\/span><\/p>\n

Pr\u00e9stamos del Programa de Protecci\u00f3n de Pagos (PPP)<\/b>. Este programa se reanud\u00f3 el a\u00f1o pasado. Las empresas que hayan sufrido una ca\u00edda de al menos un 25% en sus ingresos brutos anuales o en cualquier trimestre de 2020, en comparaci\u00f3n con sus cifras de 2019, pueden acceder a los pr\u00e9stamos del PPP. Este programa en particular permite la condonaci\u00f3n de los pr\u00e9stamos, siempre y cuando los fondos se hayan utilizado seg\u00fan lo previsto.<\/span><\/p>\n

Pr\u00e9stamos de capital de trabajo<\/b>. Por lo general, los empresarios los utilizan para gestionar las fluctuaciones en los gastos e ingresos provocadas por factores como la estacionalidad. Se trata de pr\u00e9stamos a corto plazo con una duraci\u00f3n de entre 30 d\u00edas y un a\u00f1o, con montos que var\u00edan de $5000 a $100,000.\u00a0<\/span><\/p>\n

Pr\u00e9stamos de d\u00eda de pago<\/span><\/h3>\n

Estos son pr\u00e9stamos a corto plazo que vencen en tu pr\u00f3ximo d\u00eda de pago. En pocas palabras, obtener un <\/span>pr\u00e9stamo de d\u00eda de pago<\/span> significa aumentar tus salarios. Aparte de los plazos de pago breves, los pr\u00e9stamos de d\u00eda de pago tienen altos <\/span>tasas de porcentaje anual o APR<\/span><\/a> (alrededor de 400%), y es por eso que se las considera, en general, depredadoras.\u00a0<\/span><\/p>\n

El reembolso generalmente requiere que escribas un cheque posfechado o autorices al prestamista a retirar autom\u00e1ticamente tu salario el d\u00eda de pago. Puedes considerar esto como tu \u00faltimo recurso si te encuentras en una emergencia financiera y no tienes acceso a ahorros o alternativas de pr\u00e9stamos o cr\u00e9dito m\u00e1s econ\u00f3micas.<\/span><\/p>\n

Pr\u00e9stamo Alternativo de D\u00eda de Pago<\/span><\/h2>\n

Hay cooperativas de cr\u00e9dito federales que ofrecen pr\u00e9stamos alternativos al d\u00eda de pago, dise\u00f1ados para ser m\u00e1s accesibles que los pr\u00e9stamos de d\u00eda de pago. Estos pr\u00e9stamos alternativos (PAL) tienen plazos de pago m\u00e1s largos \u2014de hasta seis meses\u2014 y te permiten pedir prestado hasta $1000.\u00a0<\/span><\/p>\n

Los pr\u00e9stamos de d\u00eda de pago suelen cobrar comisiones de hasta $15 por cada $100 prestado, lo que hace que sus tasas de porcentaje anual (APR) alcancen valores de tres d\u00edgitos. Las cooperativas de cr\u00e9dito federales, por otro lado, tienen un l\u00edmite m\u00e1ximo en cuanto a las comisiones de solicitud, lo que las convierte en una alternativa viable a los pr\u00e9stamos de d\u00eda de pago.\u00a0<\/span><\/p>\n

Pr\u00e9stamo con garant\u00eda hipotecaria<\/span><\/h2>\n

Puedes utilizar el valor neto de tu vivienda \u2014la parte de la casa que te pertenece a ti, y no al banco\u2014 como garant\u00eda para solicitar un pr\u00e9stamo. Tambi\u00e9n conocidos como \u201csegunda hipoteca\u201d, los pr\u00e9stamos sobre el valor neto de la vivienda te permiten obtener hasta el 85% del valor neto de tu vivienda. El pago se realiza en una sola cuota a lo largo de un plazo de entre cinco y 30 a\u00f1os.\u00a0<\/span><\/p>\n

Para calcular el valor neto de tu vivienda, suma la diferencia entre el valor catastral de tu casa y el saldo de tu hipoteca. Dependiendo de la entidad crediticia, por lo general puedes pedir prestado hasta $85,000 si tienes $100,000 en valor neto.<\/span><\/p>\n

Pr\u00e9stamo en casa de empe\u00f1o<\/span><\/h2>\n

Probablemente el tipo de pr\u00e9stamo garantizado m\u00e1s antiguo y com\u00fan, el pr\u00e9stamo de casa de empe\u00f1o es otra opci\u00f3n de financiamiento para quienes necesitan dinero en efectivo r\u00e1pidamente. Para obtener este tipo de pr\u00e9stamo, deber\u00e1s llevar un art\u00edculo de valor, como joyas, un instrumento musical o una herramienta el\u00e9ctrica, a una casa de empe\u00f1o. El prestamista evaluar\u00e1 su valor de reventa y, por lo general, te permitir\u00e1 obtener un pr\u00e9stamo de entre 25% y 60% de ese monto. Se espera que pagues el pr\u00e9stamo en un plazo de 30 d\u00edas. De lo contrario, corres el riesgo de perder el art\u00edculo, ya que la casa de empe\u00f1o lo revender\u00e1 para recuperar su dinero.<\/span><\/p>\n

Pr\u00e9stamo para botes y casas rodantes<\/span><\/h2>\n

Los bancos, prestamistas en l\u00ednea y cooperativas de cr\u00e9dito ofrecen pr\u00e9stamos para yates y veh\u00edculos recreativos a quienes necesitan ayuda para comprar embarcaciones o casas rodantes. Estos pr\u00e9stamos pueden ser garantizados o <\/span>inseguro<\/span><\/a>, con pr\u00e9stamos garantizados utilizando tu embarcaci\u00f3n o casa rodante como garant\u00eda.\u00a0<\/span><\/p>\n

Ten en cuenta que ambos tipos de veh\u00edculos se deprecian con el tiempo, por lo que es mejor no dar un anticipo muy alto. Si quieres vender tu veh\u00edculo, hazlo lo antes posible. En el caso de las casas rodantes, puedes solicitar pr\u00e9stamos de hasta $25,000 pagaderos en unos pocos a\u00f1os; pero tambi\u00e9n puedes encontrar opciones que ofrezcan hasta $300,000 con plazos de pago de hasta 30 a\u00f1os.\u00a0<\/span><\/p>\n

Pr\u00e9stamo familiar<\/span><\/h2>\n

En algunos casos, un pr\u00e9stamo familiar es tu mejor opci\u00f3n; est\u00e1 libre de tasas de inter\u00e9s, requisitos y verificaciones de cr\u00e9dito. Esto es especialmente \u00fatil si no cumples los requisitos y calificaciones para un pr\u00e9stamo de bancos o prestamistas.\u00a0<\/span><\/p>\n

Es mejor pedir dinero prestado a alguien que sea financieramente capaz y que conf\u00ede en ti. Sin embargo, a\u00fan es recomendable redactar un acuerdo, que incluya fechas de vencimiento, cuotas o consecuencias por pagos atrasados y similares, con tu prestamista.<\/span><\/p>\n

Pr\u00e9stamo para construir cr\u00e9dito<\/span><\/h2>\n

Como sugiere el nombre, un pr\u00e9stamo para construir cr\u00e9dito te permite <\/span>construye tu puntaje de cr\u00e9dito<\/span><\/a>. Ya sea que est\u00e9s estableciendo tu puntaje de cr\u00e9dito actualmente o reparando uno existente, un pr\u00e9stamo constructor de cr\u00e9dito puede ayudarte a demostrar a las instituciones financieras que eres un prestatario bueno y responsable. Los pr\u00e9stamos constructores de cr\u00e9dito son una forma segura y asequible para que los j\u00f3venes construyan su cr\u00e9dito.\u00a0<\/span><\/p>\n

Con los pr\u00e9stamos para mejorar el cr\u00e9dito, realizas pagos mensuales fijos y, al final del plazo del pr\u00e9stamo, recuperas tu dinero. La tasa de porcentaje anual (APR) oscila entre 6% y 16%, y el monto del pr\u00e9stamo puede variar entre $300 y $3000.\u00a0<\/span><\/p>\n

Pensamientos finales<\/span><\/h1>\n

Antes de solicitar cualquier tipo de pr\u00e9stamo, revisa tu presupuesto mensual primero, as\u00ed sabr\u00e1s <\/span>amortizaci\u00f3n mensual<\/span><\/a> de tu presupuesto. Al elegir el tipo de pr\u00e9stamo que mejor te conviene, considera siempre las Tasas de Porcentaje Anual (APR, por sus siglas en ingl\u00e9s), los plazos del pr\u00e9stamo y si es garantizado o no garantizado.<\/span><\/p>\n

Ten cuidado con los pr\u00e9stamos que son ampliamente conocidos como depredadores. Prefiere prestamistas que consideren tu presupuesto y tu capacidad de pago al crear un plan de pago, como <\/span>Pago1<\/span><\/a>.<\/span><\/p>\n

Completa tu solicitud de pr\u00e9stamo completamente en l\u00ednea sin tener que ir a nuestra oficina, o <\/span>cont\u00e1ctanos<\/span><\/a> para preguntas, hoy.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Most of us find ourselves needing or wanting to purchase something that we cannot afford at the moment, making it necessary to take out loans. Whether it\u2019s a car, a house, a college degree, or a wedding \u2014 not all of us are able to save up for these items in time. It is important […]<\/p>\n","protected":false},"author":7,"featured_media":38175,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[113,104,105],"class_list":["post-38174","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-resources","tag-financial-education","tag-personal-loans","tag-title-loans"],"acf":[],"yoast_head":"\nUnderstanding the Different Types of Loans - 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\/2022\/04\/entendiendo-los-diferentes-tipos-de-prestamos\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding the Different Types of Loans - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Most of us find ourselves needing or wanting to purchase something that we cannot afford at the moment, making it necessary to take out loans. 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