{"id":369,"date":"2014-11-01T17:23:31","date_gmt":"2014-11-01T16:23:31","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=369"},"modified":"2021-03-15T14:20:23","modified_gmt":"2021-03-15T13:20:23","slug":"necesito-un-seguro-para-mi-prestamo","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/brauche-ich-eine-raten-versicherung-fuer-meinen-kredit\/","title":{"rendered":"\u00bfNecesito un seguro de protecci\u00f3n de pagos para mi pr\u00e9stamo?"},"content":{"rendered":"<p>Si se queda sin trabajo por causas ajenas a su voluntad o est\u00e1 completamente incapacitado para trabajar debido a una enfermedad o accidente, podr\u00eda encontrarse en dificultades de pago.<\/p>\n<p>Los bancos le ofrecen un seguro opcional y de pago para su CR\u00c9DITO. En caso de incapacidad laboral o desempleo por causas ajenas a su voluntad, sus cuotas ser\u00e1n asumidas por los socios del seguro. En caso de fallecimiento del prestatario, los bancos renuncian a reclamar el resto de la deuda pendiente en ese momento.<\/p>\n<p>Sin embargo, debe leer atentamente el AVB. Porque en la mayor\u00eda de los seguros se excluyen muchas posibilidades. Como por ejemplo:<\/p>\n<p>Si queda incapacitado debido a un accidente con su bicicleta, no recibir\u00e1 ninguna prestaci\u00f3n. Conseguir una prestaci\u00f3n suele ser muy rocoso y largo, porque la mayor\u00eda de las compa\u00f1\u00edas de seguros excluyen muchas posibilidades.<\/p>\n<ul>\n<li><strong>Es especialmente importante prestar atenci\u00f3n al tiempo del carro, las exclusiones y las descripciones de los servicios.<\/strong><\/li>\n<li>Si decide contratar un seguro, debe informarse bien de antemano.<\/li>\n<li>El seguro de cr\u00e9dito es voluntario.<\/li>\n<li>Los bancos se benefician dos veces y a veces hay importantes diferencias de precio.<\/li>\n<\/ul>\n<hr \/>\n<p><strong>Estaremos encantados de ayudarle en esta importante decisi\u00f3n y estamos a su disposici\u00f3n con nuestro asesoramiento independiente.<\/strong><\/p>\n<hr \/>\n<h2>\u00a0Hay que tener en cuenta los siguientes puntos:<\/h2>\n<ul>\n<li>La edad de entrada suele estar entre los 20 y los 60 a\u00f1os<\/li>\n<li>No debe haber conocimiento de una enfermedad existente<\/li>\n<li>No haber estado ausente del trabajo m\u00e1s de 20 d\u00edas por enfermedad\/accidente y no haber estado hospitalizado m\u00e1s de 10 d\u00edas en los \u00faltimos 12 meses.<\/li>\n<li>No tiene conocimiento de un despido inminente<\/li>\n<li>Relaci\u00f3n laboral permanente durante al menos 6 meses<\/li>\n<li>Residencia principal en Suiza<\/li>\n<\/ul>\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>Guardar el art\u00edculo como PDF:\u00a0<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/Brauche-ich-eine-Raten-Versicherung-fuer-meinen-Kredit.pdf\">\u00bfNecesito un seguro de protecci\u00f3n de pagos para mi pr\u00e9stamo?.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Un seguro a plazos, tambi\u00e9n llamado seguro de cr\u00e9dito, puede en caso de accidente, enfermedad, desempleo por causas ajenas a su voluntad o incapacidad sus cuotas de cr\u00e9dito - porque en la vida, muchas cosas pueden suceder.<\/p>","protected":false},"author":2,"featured_media":230,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_titles_title":"Sch\u00fctzen Sie Ihren Kredit bei Arbeitslosigkeit &amp; Krankheit!","_seopress_titles_desc":"Umfassender Versicherungsschutz f\u00fcr Ihren Kredit bei Arbeitsunf\u00e4higkeit oder Arbeitslosigkeit. Sichern Sie sich jetzt ab!","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_seopress_news_disabled":"","_seopress_video_disabled":"","_seopress_video":[],"_seopress_pro_schemas_manual":[],"_seopress_pro_rich_snippets_disable_all":"","_seopress_pro_rich_snippets_disable":[],"_seopress_pro_schemas":[],"_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":null,"stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":null,"astra-migrate-meta-layouts":"default","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":[1],"tags":[],"class_list":["post-369","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-allgemein"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/369","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=369"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/369\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/230"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=369"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=369"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=369"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}