{"id":148078,"date":"2022-07-15T11:09:35","date_gmt":"2022-07-15T09:09:35","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=148078"},"modified":"2024-01-28T22:10:02","modified_gmt":"2024-01-28T21:10:02","slug":"requisitos-para-la-concesion-de-un-prestamo-en-suiza","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/voraussetzungen-fuer-eine-kreditvergabe-in-der-schweiz\/","title":{"rendered":"Condiciones para un pr\u00e9stamo en Suiza"},"content":{"rendered":"<p>Visi\u00f3n general de la Ley de cr\u00e9dito al consumo: datos importantes que debe conocer<\/p>\n\n\n\n<p>La Ley de Cr\u00e9dito al Consumo de Suiza regula varios aspectos del cr\u00e9dito que son importantes para los prestatarios. He aqu\u00ed algunos puntos clave que debe tener en cuenta:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Entrada ZEK:<\/strong> Cada solicitud de pr\u00e9stamo se registra en la Central de Informaci\u00f3n Crediticia (ZEK). Esta base de datos central permite a los prestamistas comprobar el historial crediticio de los solicitantes.<strong>Nota:<\/strong> Los c\u00f3digos ZEK negativos dificultan considerablemente la obtenci\u00f3n de pr\u00e9stamos.<\/li>\n\n\n\n<li><strong>Calificaci\u00f3n crediticia e historial de cr\u00e9dito:<\/strong> Las consultas de cr\u00e9dito m\u00faltiples, independientemente del proveedor, pueden afectar a su calificaci\u00f3n crediticia y reducir sus posibilidades de que le concedan un cr\u00e9dito.<\/li>\n\n\n\n<li><strong>Criterios de exclusi\u00f3n:<\/strong> No es posible conceder pr\u00e9stamos en caso de procedimientos de ejecuci\u00f3n de deudas, certificados de p\u00e9rdida o embargos. Los bancos no conceden pr\u00e9stamos para reembolsar procedimientos de ejecuci\u00f3n de deudas pendientes.<\/li>\n\n\n\n<li><strong>Periodos de bloqueo tras los reembolsos:<\/strong> Tras el reembolso de los certificados de embargo y p\u00e9rdida, hay un periodo de bloqueo de 2 a 5 a\u00f1os para nuevos pr\u00e9stamos.<\/li>\n\n\n\n<li><strong>Revisi\u00f3n del presupuesto y c\u00e1lculo del riesgo:<\/strong> Para solicitar un pr\u00e9stamo es obligatorio comprobar el presupuesto y calcular el riesgo. Los bancos acceden a varias bases de datos con perfiles de riesgo.<\/li>\n\n\n\n<li><strong>Plazo de anulaci\u00f3n y pago:<\/strong> Los pr\u00e9stamos s\u00f3lo se pagan tras un periodo de cancelaci\u00f3n de 14 d\u00edas. Durante este periodo, tanto t\u00fa como el banco pod\u00e9is rescindir el contrato de pr\u00e9stamo sin ning\u00fan motivo concreto.<\/li>\n\n\n\n<li><strong>Tipo de inter\u00e9s efectivo del pr\u00e9stamo:<\/strong> Con una buena calificaci\u00f3n crediticia y un riesgo bajo, recibir\u00e1 un tipo de inter\u00e9s de pr\u00e9stamo efectivo bajo.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Requisitos m\u00ednimos para un pr\u00e9stamo<\/strong><\/h2>\n\n\n\n<p>Para obtener un pr\u00e9stamo, debe cumplir determinados criterios:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Edad m\u00ednima 18 a\u00f1osEdad m\u00ednima 18 a\u00f1os<\/li>\n\n\n\n<li>unos ingresos netos mensuales de al menos 3.000 CHF<\/li>\n\n\n\n<li> permiso de residencia suizo (C, G o B, al menos 12 meses en Suiza)<\/li>\n\n\n\n<li>un puesto permanente o temporal (al menos 6 meses temporal) <\/li>\n\n\n\n<li>Trabajo por cuenta propia con una duraci\u00f3n de la empresa de al menos 24 meses y sin procedimientos de ejecuci\u00f3n de deudas, certificados de p\u00e9rdidas o embargos.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Si busca el mejor pr\u00e9stamo en Suiza, en bestfinance.ch somos su socio competente. Conf\u00ede en nuestra experiencia para obtener una soluci\u00f3n financiera personalizada.<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>Para cada solicitud de pr\u00e9stamo, se comprueba cuidadosamente su situaci\u00f3n financiera personal, con ingresos y gastos, para garantizar la solvencia del pr\u00e9stamo. Los bancos tienen acceso a varias bases de datos con perfiles de riesgo. S\u00f3lo con una buena calificaci\u00f3n crediticia y un bajo riesgo obtendr\u00e1 un tipo de inter\u00e9s efectivo bajo.<\/p>","protected":false},"author":2,"featured_media":15252,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"none","_seopress_titles_title":"Voraussetzungen f\u00fcr eine Kreditvergabe in der Schweiz","_seopress_titles_desc":"Bei jedem Kreditantrag wird Ihre pers\u00f6nliche finanzielle Situation mit Eink\u00fcnften und Ausgaben genauestens \u00fcberpr\u00fcft, um die Zahlungsf\u00e4higkeit eines Kredits zu gew\u00e4hrleisten.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[35],"tags":[],"class_list":["post-148078","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kredit"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/148078","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/comments?post=148078"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/148078\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/15252"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=148078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=148078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=148078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}