{"id":2884,"date":"2015-01-06T14:53:06","date_gmt":"2015-01-06T13:53:06","guid":{"rendered":"https:\/\/www.bestfinance.ch\/?p=2884"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"credito-incremento-posible","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/kreditaufstockung-immer-moeglich\/","title":{"rendered":"\u00bfSiempre es posible aumentar el cr\u00e9dito?"},"content":{"rendered":"<h2><span id=\"2_Erneute_Bonitaetspruefung_bei_Erhoehung_der_Kreditsumme\">Renovaci\u00f3n de la comprobaci\u00f3n de la solvencia si se aumenta el importe del pr\u00e9stamo<\/span><\/h2>\n<p>Dado que un nuevo pr\u00e9stamo se concluye con un nuevo acuerdo sobre el importe del pr\u00e9stamo, debe esperar una nueva comprobaci\u00f3n del cr\u00e9dito. Por lo tanto, se debe considerar cuidadosamente un aumento por adelantado si sus circunstancias financieras han cambiado negativamente desde la \u00faltima vez que tom\u00f3 un pr\u00e9stamo. Por ejemplo, si se ha retrasado en el pago de una cuota, es posible que se haya anotado en el ZEK.<\/p>\n<p>En este caso, las condiciones del nuevo pr\u00e9stamo son peores o incluso el banco se niega a aumentarlo.<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"3_Auch_zwei_Darlehen_bei_zwei_Banken_parallel_moeglich\">Tambi\u00e9n son posibles dos pr\u00e9stamos con dos bancos en paralelo<\/span><\/h2>\n<p>Si despu\u00e9s de comprobar las condiciones resulta que el reembolso del pr\u00e9stamo ser\u00eda m\u00e1s caro, pero otro banco ofrece condiciones m\u00e1s favorables para el nuevo importe del pr\u00e9stamo, tiene sentido concluir simplemente un segundo pr\u00e9stamo. Por supuesto, esto tambi\u00e9n depende del volumen. A los bancos no les gusta que haya un segundo pr\u00e9stamo, as\u00ed que se ofrecen a asumirlo por su cuenta. Sin embargo, esto no es obligatorio, sino que todo resulta del c\u00e1lculo de costes.<\/p>\n<p>En t\u00e9rminos de procedimiento, es m\u00e1s f\u00e1cil aumentar un pr\u00e9stamo existente con el antiguo banco que pedir un segundo pr\u00e9stamo. Podemos calcular r\u00e1pidamente qu\u00e9 opci\u00f3n es la m\u00e1s barata. Por supuesto, tambi\u00e9n puede ser \u00fatil presentar al banco actual la oferta m\u00e1s barata de un competidor para negociar as\u00ed un tipo de inter\u00e9s m\u00e1s favorable para el aumento.<\/p>\n<p><strong>Antes de aumentar, compruebe si su situaci\u00f3n financiera actual le permite aumentar sus tarifas.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h2>Conclusi\u00f3n:<\/h2>\n<p>Los bancos suelen estar abiertos a un aumento del pr\u00e9stamo si los ingresos son suficientes para el tipo m\u00e1s alto. Si los tipos de inter\u00e9s son significativamente m\u00e1s bajos, el pago del pr\u00e9stamo puede suponer un notable alivio financiero. Si una reestructuraci\u00f3n de la deuda est\u00e1 fuera de lugar, es concebible un segundo pr\u00e9stamo.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><a class=\"btn btn-success\" href=\"https:\/\/www.bestfinance.ch\/es\/cuotas-reducidas-para-el-prestamo-que-desee\/\"> Solicite su cr\u00e9dito<\/a><\/p>\n<p>&nbsp;<\/p>\n<p>Guardar el art\u00edculo como PDF:\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Kreditaufstockung-immer-moeglich.pdf\">\u00bfSiempre es posible aumentar el cr\u00e9dito?.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Aumentar un pr\u00e9stamo suele ser posible sin ning\u00fan problema. Las entidades financieras suelen comprobar su nueva solicitud seg\u00fan los mismos criterios que para el cr\u00e9dito existente.<\/p>","protected":false},"author":2,"featured_media":4765,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Neue Bonit\u00e4tspr\u00fcfung bei Krediterh\u00f6hung","_seopress_titles_desc":"Vor der Erh\u00f6hung der Kreditsumme erwartet Sie eine Bonit\u00e4tspr\u00fcfung. 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