La KKG es una ley federal que pretende aumentar la protecci\u00f3n de los prestatarios contra el sobreendeudamiento. Representa una regulaci\u00f3n exhaustiva de los contratos de cr\u00e9dito al consumo que abarcan pr\u00e9stamos en el \u00e1mbito de De 500 a 80.000 francos <\/strong>cobertura. La introducci\u00f3n de la KKG ha sustituido a las anteriores disposiciones del C\u00f3digo de Obligaciones sobre contratos a plazos.<\/p>\n\n\n\n La KKG no solo regula los pr\u00e9stamos tradicionales, sino que se extiende a diversos instrumentos financieros como tarjetas de cr\u00e9dito, tarjetas de tiendas, pr\u00e9stamos personales, contratos de arrendamiento financiero y facilidades de descubierto. Establece directrices claras para la comprobaci\u00f3n del cr\u00e9dito y concede al prestatario el derecho a devolver el pr\u00e9stamo en cualquier momento.<\/p>\n\n\n\n Antes de suscribir un contrato de cr\u00e9dito al consumo, todo prestamista est\u00e1 obligado a efectuar una verificaci\u00f3n de solvencia. Se considera que un consumidor es solvente si puede devolver el pr\u00e9stamo en 36 meses con su renta disponible<\/mark><\/strong>A\u00fan as\u00ed, deben cubrirse las necesidades m\u00ednimas de subsistencia. Esta medida pretende garantizar que los pr\u00e9stamos se concedan de forma responsable y que los prestatarios no se vean sobrecargados.<\/p>\n\n\n\n La KKG vela por el cumplimiento de las normas y prev\u00e9 sanciones en caso de infracci\u00f3n. La publicidad agresiva puede penalizarse con multas de hasta 100.000 francos suizos. Las infracciones de la normativa de la KKG, como no realizar una comprobaci\u00f3n adecuada del cr\u00e9dito o no informar de los pr\u00e9stamos, hacen que los prestamistas pierdan sus derechos a intereses y comisiones.<\/p>\n\n\n\n La KKG desempe\u00f1a un papel crucial en la protecci\u00f3n de los prestatarios frente a los riesgos financieros. Es un instrumento que asegura que los pr\u00e9stamos se conceden de forma responsable y que se garantiza la estabilidad financiera de los prestatarios. La correcta aplicaci\u00f3n de la KKG es, por tanto, de vital importancia para garantizar que el sistema financiero suizo se base en los principios de equidad y transparencia.<\/p>","protected":false},"excerpt":{"rendered":" En Suiza, la Ley Federal de Cr\u00e9dito al Consumo (KKG) protege los intereses de los prestatarios y sirve para evitar el sobreendeudamiento. En esta entrada del blog, examinamos m\u00e1s de cerca la Ley de Cr\u00e9dito al Consumo y explicamos qu\u00e9 implica, c\u00f3mo se aplica y por qu\u00e9 desempe\u00f1a un papel importante en el sistema financiero suizo.<\/p>","protected":false},"author":2,"featured_media":194387,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":null,"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":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"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":[301,302],"class_list":["post-194386","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-kredit","tag-kkg","tag-kreditfaehigkeitspruefung"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/194386","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=194386"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/194386\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/194387"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=194386"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=194386"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=194386"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}Contenido de la KKG: una normativa exhaustiva<\/h2>\n\n\n\n
Aplicaci\u00f3n de la KKG: evaluaci\u00f3n del cr\u00e9dito y responsabilidad<\/h2>\n\n\n\n
Consecuencias del incumplimiento de la ley: multas y p\u00e9rdida de derechos<\/h2>\n\n\n\n
Conclusi\u00f3n: centrarse en la protecci\u00f3n y la responsabilidad<\/h2>\n\n\n\n