{"id":460,"date":"2014-03-01T10:48:29","date_gmt":"2014-03-01T09:48:29","guid":{"rendered":"http:\/\/bestfinance.ch\/?p=460"},"modified":"2021-05-28T15:21:10","modified_gmt":"2021-05-28T13:21:10","slug":"el-tipo-de-interes-maximo-de-los-creditos-al-consumo-debe-ajustarse-a-un-tipo-de-interes-bajo","status":"publish","type":"post","link":"https:\/\/www.bestfinance.ch\/es\/hoechstzinssatz-fuer-konsumkredite-soll-an-tiefes-zinsniveau-angepasst-werden\/","title":{"rendered":"El tipo de inter\u00e9s m\u00e1ximo de los pr\u00e9stamos al consumo se ajustar\u00e1 al nivel de los tipos de inter\u00e9s bajos"},"content":{"rendered":"<p>El tipo de inter\u00e9s m\u00e1ximo para los pr\u00e9stamos al consumo evita los abusos en el sistema de cr\u00e9dito. Adem\u00e1s del control de los precios por parte del Estado y de las normas contra la sobrecarga y la usura, protege a los consumidores del sobreendeudamiento. Tambi\u00e9n reduce el riesgo de que las instituciones financieras concedan pr\u00e9stamos m\u00e1s arriesgados debido a un alto margen de beneficio.<\/p>\n<p>En 2003, el Consejo Federal fij\u00f3 el tipo de inter\u00e9s m\u00e1ximo para los cr\u00e9ditos al consumo en 15% al a\u00f1o. El nivel persistentemente bajo de los tipos de inter\u00e9s requiere ahora un ajuste. Seg\u00fan la voluntad del legislador, el tipo de inter\u00e9s m\u00e1ximo deber\u00eda depender del nivel de los costes de refinanciaci\u00f3n. Por ello, el Consejo Federal propone un mecanismo de c\u00e1lculo basado en los costes que las entidades financieras, por su parte, tienen que pagar por el dinero prestado. El tipo de inter\u00e9s m\u00e1ximo se compone del Libor a tres meses, que determina en cada caso el Banco Nacional, y de un recargo de 10 puntos porcentuales, por lo que el valor as\u00ed calculado se redondea por exceso o por defecto al n\u00famero entero m\u00e1s pr\u00f3ximo.<\/p>\n<p>En la actualidad, esto se traduce en un tipo de inter\u00e9s m\u00e1ximo de <strong>10 por ciento.<\/strong><\/p>\n<h2>\u00bfQu\u00e9 repercusiones negativas podr\u00eda tener para el consumidor esta modificaci\u00f3n del tipo de inter\u00e9s m\u00e1ximo de los pr\u00e9stamos al consumo?<\/h2>\n<p>Con motivo de la introducci\u00f3n del tipo de inter\u00e9s m\u00e1ximo, se esgrimieron varios argumentos en contra de su introducci\u00f3n.<\/p>\n<ul>\n<li>Las personas que no tuvieran las mejores cualidades de deudor ya no podr\u00edan obtener pr\u00e9stamos en el futuro<\/li>\n<li>El resultado ser\u00e1 un pr\u00e9stamo menos generoso debido a la ca\u00edda de los rendimientos<\/li>\n<li>Podr\u00eda llevar al consumidor a la ilegalidad<\/li>\n<\/ul>\n<article><strong>Por tanto, un tipo de inter\u00e9s m\u00e1ximo de 12% ser\u00eda una soluci\u00f3n razonable. Los bancos de cr\u00e9dito podr\u00edan seguir concediendo pr\u00e9stamos al mismo tipo de inter\u00e9s, incluso si los rendimientos bajaran moderadamente. As\u00ed, usted, como consumidor, se beneficiar\u00eda doblemente.<\/strong>&nbsp;<\/article>\n<article>&nbsp;<\/article>\n<article><\/article>\n<article><\/article>\n<p>Guardar el art\u00edculo como PDF:&nbsp;<a href=\"https:\/\/www.bestfinance.ch\/wp-content\/uploads\/2018\/01\/1fbd30fe70bb52e839f8525adbf75a2c.pdf\">El tipo de inter\u00e9s m\u00e1ximo de los pr\u00e9stamos al consumo se ajustar\u00e1 al nivel de los tipos de inter\u00e9s bajos.pdf<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>El Consejo Federal quiere reducir el tipo de inter\u00e9s m\u00e1ximo de los cr\u00e9ditos al consumo de los 15% actuales a 10%. El viernes 5 de diciembre de 2014, abri\u00f3 el procedimiento de consulta para la correspondiente modificaci\u00f3n de la Ordenanza sobre la Ley de Cr\u00e9dito al Consumo. Tambi\u00e9n propone introducir un mecanismo de c\u00e1lculo sencillo y claro para el futuro y plasmarlo en una ordenanza.<\/p>","protected":false},"author":2,"featured_media":467,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"1","_seopress_titles_title":"Neue Regeln: H\u00f6chstzinssatz f\u00fcr Konsumkredite sinkt!","_seopress_titles_desc":"Erfahren Sie, wie der angepasste H\u00f6chstzinssatz f\u00fcr Konsumkredite Schutz vor \u00dcberschuldung bietet.","_seopress_robots_index":"","_eb_attr":"","site-sidebar-layout":"default","site-content-layout":"default","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":"default","adv-header-id-meta":null,"stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","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-460","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\/460","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=460"}],"version-history":[{"count":0,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/posts\/460\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media\/467"}],"wp:attachment":[{"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/media?parent=460"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/categories?post=460"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bestfinance.ch\/es\/wp-json\/wp\/v2\/tags?post=460"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}