{"id":44773,"date":"2022-08-03T13:08:22","date_gmt":"2022-08-03T13:08:22","guid":{"rendered":"https:\/\/payment1.com\/?p=44773"},"modified":"2026-08-02T20:39:46","modified_gmt":"2026-08-02T20:39:46","slug":"como-refinanciar-un-prestamo-personal","status":"publish","type":"post","link":"https:\/\/payment1.com\/es\/2022\/08\/how-to-refinance-a-personal-loan\/","title":{"rendered":"C\u00f3mo refinanciar un pr\u00e9stamo personal"},"content":{"rendered":"

Refinanciar un pr\u00e9stamo personal o saldar un pr\u00e9stamo existente con uno nuevo del mismo prestamista, o de una compa\u00f1\u00eda diferente, puede tener dos resultados. Uno es obtener una tasa de inter\u00e9s m\u00e1s baja y ahorrar dinero en general. Otro es refinanciar para reducir tus pagos mensuales, alargando as\u00ed el plazo de tu pr\u00e9stamo. Ten en cuenta que lo m\u00e1s probable es que pagues m\u00e1s en general debido a los cargos por inter\u00e9s del pr\u00e9stamo.<\/span><\/p>\n

\u00bfC\u00f3mo se refinancia un pr\u00e9stamo personal?<\/span><\/h2>\n

Cada prestamista tiene su propio proceso de refinanciamiento. Sin embargo, refinanciar un pr\u00e9stamo personal generalmente implica pasos similares a obtener un nuevo pr\u00e9stamo. Aqu\u00ed est\u00e1n los cinco pasos.<\/span><\/p>\n

Conoce tu puntaje de cr\u00e9dito<\/span><\/h3>\n

Consulta con tu compa\u00f1\u00eda de tarjetas de cr\u00e9dito o banco, ya que suelen ofrecer tu puntaje de cr\u00e9dito de forma gratuita. Por ejemplo, algunos prestamistas buscan un puntaje de cr\u00e9dito de 660 para refinanciar, pero puede ser suficiente tener un puntaje entre 580 y 600. Por supuesto, un puntaje m\u00e1s alto obtendr\u00eda t\u00e9rminos m\u00e1s favorables, como tasas de inter\u00e9s m\u00e1s bajas.<\/span><\/p>\n

2. Sal de compras por t\u00e9rminos<\/span><\/h3>\n

Pregunta a tu prestamista actual si est\u00e1 dispuesto a refinanciar tu pr\u00e9stamo personal. Tambi\u00e9n deber\u00eda poder indicarte el saldo pendiente de tu pr\u00e9stamo, para que sepas cu\u00e1nto puedes pedir prestado. Ac\u00e9rcate a prestamistas y bancos locales para preguntarles cu\u00e1les son sus condiciones. Compara las tasas de inter\u00e9s y los t\u00e9rminos del pr\u00e9stamo, as\u00ed como las comisiones de apertura. En cuanto a las comisiones de apertura, aseg\u00farate de que no superen entre 0,5% y 1% del monto total del pr\u00e9stamo.<\/span><\/p>\n

3. Env\u00eda tu solicitud<\/span><\/h3>\n

Los requisitos espec\u00edficos para refinanciar var\u00edan seg\u00fan el prestamista. Pero, en general, pueden solicitar tus declaraciones de impuestos y recibos de sueldo. As\u00ed que re\u00fane todos los documentos e informaci\u00f3n y env\u00eda tu solicitud al prestamista de tu elecci\u00f3n. Generalmente, se tarda desde unas horas hasta unas pocas semanas en obtener la aprobaci\u00f3n del refinanciamiento.<\/span><\/p>\n

4. Pagar el pr\u00e9stamo anterior<\/span><\/h3>\n

Cuando se apruebe el nuevo pr\u00e9stamo, utiliza los fondos del pr\u00e9stamo para pagar el pr\u00e9stamo anterior. Ten en cuenta que tu antiguo prestamista podr\u00eda cobrar comisiones por pago anticipado. Confirma que tu cuenta est\u00e9 cerrada antes de proceder con el nuevo pr\u00e9stamo para evitar costos y penalizaciones adicionales.<\/span><\/p>\n

5. Empieza a pagar el nuevo pr\u00e9stamo<\/span><\/h3>\n

El d\u00eda 1 comienza con el nuevo pr\u00e9stamo. Inscribir tu nuevo pr\u00e9stamo en pagos autom\u00e1ticos es lo mejor para que no te pierdas ning\u00fan calendario de pagos. Despu\u00e9s de todo, quieres construir tu puntaje crediticio a largo plazo.<\/span><\/p>\n

Refinanciar un pr\u00e9stamo personal tiene sentido en los siguientes casos:\n\n* **Tasas de inter\u00e9s m\u00e1s bajas:** Si las tasas de inter\u00e9s actuales del mercado son significativamente m\u00e1s bajas que las de tu pr\u00e9stamo actual, refinanciar te permitir\u00e1 ahorrar dinero en intereses a lo largo de la vida del pr\u00e9stamo.\n* **Mejorar tu puntaje crediticio:** Si tu puntaje crediticio ha mejorado desde que obtuviste el pr\u00e9stamo original, podr\u00edas calificar para mejores t\u00e9rminos y una tasa de inter\u00e9s m\u00e1s baja con un refinanciamiento.\n* **Reducir tu pago mensual:** Si est\u00e1s teniendo dificultades para realizar tus pagos mensuales, refinanciar con un plazo m\u00e1s largo o una tasa de inter\u00e9s m\u00e1s baja podr\u00eda disminuir tu cuota mensual, aliviando tu carga financiera.\n* **Consolidar deudas:** Si tienes varios pr\u00e9stamos personales con diferentes acreedores, refinanciarlos en un solo pr\u00e9stamo con una sola cuota mensual y potencialmente una tasa de inter\u00e9s m\u00e1s baja puede simplificar tus finanzas y facilitar el pago de tus deudas.\n* **Cambiar el plazo del pr\u00e9stamo:** Puedes refinanciar para acortar el plazo del pr\u00e9stamo y pagar la deuda m\u00e1s r\u00e1pido (aunque tus pagos mensuales probablemente aumentar\u00e1n), o para alargar el plazo y reducir tus pagos mensuales (lo que podr\u00eda significar pagar m\u00e1s intereses en total).\n* **Acceder a capital adicional:** Aunque menos com\u00fan para pr\u00e9stamos personales, algunas opciones de refinanciamiento pueden permitirte tomar prestado una cantidad mayor que la deuda original si necesitas fondos adicionales.\n\nAntes de refinanciar, es crucial comparar las ofertas de diferentes prestamistas, entender todas las tarifas asociadas (como costos de originaci\u00f3n, tasaci\u00f3n, etc.) y calcular si los ahorros potenciales superan los costos de la refinanciaci\u00f3n.<\/span><\/h2>\n

En resumen, refinanciar un pr\u00e9stamo personal tendr\u00eda sentido si vas a ahorrar dinero. Sin embargo, hay casos en los que seguir\u00eda siendo una buena idea, incluso si vas a pagar m\u00e1s a largo plazo. A continuaci\u00f3n se presentan algunos escenarios que hacen de la refinanciaci\u00f3n una opci\u00f3n viable para ti.<\/span><\/p>\n

No te gusta tu tipo de tarifa actual\u00a0<\/span><\/h3>\n

Si el tipo de tasa de su pr\u00e9stamo existente es variable, puede resultarle muy dif\u00edcil planificar sus pagos. Refinanciar puede permitirle cambiar de una TAE variable a una fija, lo que le permitir\u00e1 obtener un monto constante para pagar cada mes.<\/span><\/p>\n

Tu puntaje de cr\u00e9dito ha mejorado<\/span><\/h3>\n

Mejorar tu puntaje de cr\u00e9dito es tu mejor opci\u00f3n si deseas calificar para tasas de inter\u00e9s m\u00e1s bajas. Si, a lo largo de los a\u00f1os, tu puntaje de cr\u00e9dito ha aumentado significativamente, refinanciar tu pr\u00e9stamo personal puede darte la oportunidad de reducir la tasa de inter\u00e9s de tu pr\u00e9stamo.<\/span><\/p>\n

Hubo una disminuci\u00f3n en el ingreso de los hogares<\/span><\/h3>\n

Tiene sentido reducir tus pagos mensuales si tus ingresos se reducen significativamente. En lugar de incumplir tu pr\u00e9stamo por completo debido a dificultades financieras, es mejor refinanciar tu pr\u00e9stamo personal para alargar el plazo del mismo. Terminar\u00e1s pagando m\u00e1s en total debido a los intereses, pero en este caso es un compromiso que vale la pena.\u00a0<\/span><\/p>\n

Se acerca un pago global<\/span><\/h3>\n

Algunos pr\u00e9stamos requieren que los prestatarios paguen una suma de dinero considerable al final del per\u00edodo de amortizaci\u00f3n. Si no puedes permitirte el pago global, es una buena idea refinanciar el pr\u00e9stamo para obtener nuevamente pagos mensuales consistentes.<\/span><\/p>\n

Quieres acortar tu per\u00edodo de pr\u00e9stamo<\/span><\/h3>\n

Refinanciar tu pr\u00e9stamo personal tiene sentido si tu salario mensual te permite hacer pagos mensuales m\u00e1s grandes. Esto puede ayudarte a pagar el pr\u00e9stamo m\u00e1s r\u00e1pido.<\/span><\/p>\n

Puedes pagar las tarifas<\/span><\/h3>\n

Refinanciar pr\u00e9stamos personales conlleva costos. Por ejemplo, tu nuevo prestamista podr\u00eda cobrarte tarifas de solicitud, mientras que tu prestamista actual podr\u00eda aplicar una penalizaci\u00f3n por pago anticipado por liquidar tu pr\u00e9stamo antes de lo acordado.<\/span><\/p>\n

Refinanciar un pr\u00e9stamo personal no es una buena idea cuando:\n\n* **Las tasas de inter\u00e9s han subido:** Si las tasas de inter\u00e9s actuales son m\u00e1s altas que las de tu pr\u00e9stamo actual, no te conviene refinanciar.\n* **Tienes un buen historial de pagos:** Si has pagado tu pr\u00e9stamo a tiempo y tienes un buen historial crediticio, renovar podr\u00eda acarrear comisiones o tasas de inter\u00e9s m\u00e1s altas.\n* **Te quedan pocos pagos por hacer:** Si adeudas una cantidad peque\u00f1a y te quedan pocos meses de pago, los costos de refinanciamiento podr\u00edan superar los ahorros.\n* **No entiendes completamente los t\u00e9rminos y condiciones:** Aseg\u00farate de leer y comprender todas las comisiones, tasas de inter\u00e9s, plazos y penalizaciones antes de firmar.\n* **Buscas extender el plazo para pagar menos mensualmente, sin considerar el inter\u00e9s total:** Aunque bajes tu cuota mensual, podr\u00edas terminar pagando m\u00e1s intereses a largo plazo.\n* **Tu situaci\u00f3n financiera no ha mejorado o ha empeorado:** Si tus ingresos son inestables o has acumulado m\u00e1s deudas, refinanciar podr\u00eda no resolver el problema de fondo.<\/span><\/h2>\n

Refinanciar un pr\u00e9stamo personal requiere esfuerzo y tiempo de tu parte, as\u00ed que aseg\u00farate de que realmente valga la pena dar este paso. A continuaci\u00f3n, se presentan algunas situaciones en las que refinanciar podr\u00eda no ser una buena opci\u00f3n.<\/span><\/p>\n

Si ya no debes tanto en tu pr\u00e9stamo<\/span><\/h3>\n

Si tu saldo es m\u00ednimo, m\u00e1s vale que termines de pagar tus deudas r\u00e1pidamente en lugar de incurrir en nuevas comisiones y solicitar un nuevo pr\u00e9stamo.<\/span><\/p>\n

Si ya casi terminas de pagar el pr\u00e9stamo<\/span><\/h3>\n

Refinanciar extender\u00e1 el plazo de tu pr\u00e9stamo, haciendo que pagues m\u00e1s intereses en general.\u00a0<\/span><\/p>\n

Si la tasa de inter\u00e9s es m\u00e1s alta<\/span><\/h3>\n

Teniendo en cuenta todas las tarifas asociadas a la refinanciaci\u00f3n, puede no ser una buena idea refinanciar tu pr\u00e9stamo personal si obtienes una tasa de inter\u00e9s m\u00e1s alta. Sin embargo, si no puedes afrontar los pagos mensuales de tu pr\u00e9stamo actual y un plazo de pr\u00e9stamo m\u00e1s largo es la \u00fanica soluci\u00f3n, tiene sentido aceptar la tasa de inter\u00e9s m\u00e1s alta.<\/span><\/p>\n

Pensamientos finales<\/span><\/h2>\n

Refinanciar un pr\u00e9stamo personal es una excelente manera de reducir tus tasas de inter\u00e9s y alargar el plazo de tu pr\u00e9stamo para evitar el incumplimiento. Sin embargo, sin importar la raz\u00f3n para refinanciar, investiga adecuadamente para encontrar los mejores t\u00e9rminos y asegurarte de que la refinanciaci\u00f3n te beneficie financieramente.<\/span><\/p>\n

Permita que nuestro equipo experto en pr\u00e9stamos lo gu\u00ede a trav\u00e9s de este importante proceso de toma de decisiones. <\/span>Cont\u00e1ctanos<\/span><\/a> hoy, y nuestro amable personal estar\u00e1 encantado de ayudarte.<\/span><\/p>","protected":false},"excerpt":{"rendered":"

Refinancing a personal loan or paying off an existing loan with a new one from the same lender, or a different company can go two ways. One is getting a lower interest rate and saving money overall. Another is refinancing to lower your monthly repayments, thus lengthening your loan term. Note that you will most […]<\/p>\n","protected":false},"author":7,"featured_media":52962,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[109,112,104],"class_list":["post-44773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-loan-resources","tag-debt-consolidation","tag-loan-management","tag-personal-loans"],"acf":[],"yoast_head":"\nHow to Refinance a Personal Loan - 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\/08\/como-refinanciar-un-prestamo-personal\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Refinance a Personal Loan - Payment 1\" \/>\n<meta property=\"og:description\" content=\"Refinancing a personal loan or paying off an existing loan with a new one from the same lender, or a different company can go two ways. One is getting a lower interest rate and saving money overall. Another is refinancing to lower your monthly repayments, thus lengthening your loan term. Note that you will most […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/payment1.com\/es\/2022\/08\/como-refinanciar-un-prestamo-personal\/\" \/>\n<meta property=\"og:site_name\" content=\"Payment 1\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Payment1Financial\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-03T13:08:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-02T20:39:46+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/payment1.com\/wp-content\/uploads\/2022\/08\/romain-dancre-doplSDELX7E-unsplash-e1683005397150.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"750\" \/>\n\t<meta property=\"og:image:height\" content=\"563\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Bendon Gaddy\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Bendon Gaddy\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/\"},\"author\":{\"name\":\"Bendon Gaddy\",\"@id\":\"https:\\\/\\\/payment1.com\\\/#\\\/schema\\\/person\\\/50f1639f35a81c60bcfce25db2cae621\"},\"headline\":\"How to Refinance a Personal Loan\",\"datePublished\":\"2022-08-03T13:08:22+00:00\",\"dateModified\":\"2026-08-02T20:39:46+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/\"},\"wordCount\":975,\"publisher\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/payment1.com\\\/wp-content\\\/uploads\\\/2022\\\/08\\\/romain-dancre-doplSDELX7E-unsplash-e1683005397150.jpg\",\"keywords\":[\"Debt Consolidation\",\"Loan Management\",\"Personal Loans\"],\"articleSection\":[\"Loan Resources\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/\",\"url\":\"https:\\\/\\\/payment1.com\\\/2022\\\/08\\\/how-to-refinance-a-personal-loan\\\/\",\"name\":\"How to Refinance a Personal Loan - 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One is getting a lower interest rate and saving money overall. Another is refinancing to lower your monthly repayments, thus lengthening your loan term. 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