{"id":11592,"date":"2019-07-25T11:30:38","date_gmt":"2019-07-25T09:30:38","guid":{"rendered":"https:\/\/www.fintonic.com\/?p=11592"},"modified":"2019-07-25T11:30:38","modified_gmt":"2019-07-25T09:30:38","slug":"credito-responsable-que-significa","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/credito-responsable-que-significa\/","title":{"rendered":"Cr\u00e9dito responsable, \u00bfqu\u00e9 significa?"},"content":{"rendered":"\n<p>En el a\u00f1o 2011 en Gobierno\ncre\u00f3 una <a href=\"https:\/\/previa.uclm.es\/centro\/cesco\/pdf\/trabajos\/4\/2012\/Nuevo%20regimen%20de%20transparencia%20y%20protecci%C3%B3n%20del%20cliente%20de%20servicios%20bancarios.pdf\">orden de transparencia y protecci\u00f3n para el cliente a la hora de\ncontratar los servicios bancarios<\/a>.\nLo hizo para que las personas que quisieran contratar una hipoteca o un dinero\nextra lo hicieran a trav\u00e9s de un \u201d<strong>cr\u00e9dito\nresponsable<\/strong>\u201d. \u00bfSabes qu\u00e9 significa este concepto? Te lo contamos:<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 es el cr\u00e9dito responsable <\/h2>\n\n\n\n<p>Antes de prestar una\ndeterminada cantidad de dinero, la entidad bancaria tiene la obligaci\u00f3n de\nevaluar la<strong> capacidad del cliente <\/strong>para\nver si puede cumplir con las obligaciones del cr\u00e9dito. Para ello, se estudian\nsus ingresos, su historial bancario, su empleo, etc. Es lo que conocemos como\n\u2018FinScore\u2019 en Fintonic, un indicativo que <a href=\"https:\/\/www.financlick.es\/indicadores-financieros-basicos-n-145-es\">mide la capacidad financiera del cliente<\/a>.<\/p>\n\n\n\n<p>Por lo que por medio de\nesta medida del \u2018cr\u00e9dito responsable\u2019, lo que se busca es que <strong>no se concedan pr\u00e9stamos a las personas que\npuedan tener dificultades para devolver el dinero<\/strong>; algo que perjudica\ndirectamente a dichas personas y tambi\u00e9n a la entidad bancaria que se lo\nfacilita.<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 responsabilidades debe tener la\nentidad?<\/h3>\n\n\n\n<p>Al momento de solicitar y\nconceder un cr\u00e9dito responsable, es importante que la entidad bancaria tenga en\ncuenta las <strong>garant\u00edas reales, la cuant\u00eda\nm\u00e1xima del dinero prestado y los intereses derivados<\/strong>. <\/p>\n\n\n\n<p>Es decir, se debe pensar en\n<a href=\"https:\/\/www.elfinancierocr.com\/pymes\/conozca-siete-tipos-de-clientes-y-como-abordarlos\/DOKHKN3DHZBD3HJYWB4JXE3ETQ\/story\/\">c\u00f3mo ser\u00e1 la situaci\u00f3n del cliente de aqu\u00ed a largo plazo<\/a>,\nno solo teniendo en cuenta su situaci\u00f3n actual. Por ejemplo, hoy podr\u00eda tener\nun buen sueldo pero jubilarse en dos a\u00f1os y pasar a cobrar 3 veces mes.<\/p>\n\n\n\n<p>Por otro lado, es\nimportante que las entidades ofrezcan todas las explicaciones que sean\nnecesarias para que los<strong> clientes\nentiendan las caracter\u00edsticas de los productos financieros ofertados y los\nriesgos<\/strong>. <\/p>\n\n\n\n<p>Tambi\u00e9n se debe indicar de\nmanera clara y transparente el<strong> importe\nde las comisiones <\/strong>y si se puede desistir de la operaci\u00f3n sin coste\nadicional. Para poner a disposici\u00f3n del cliente todas las comodidades posibles.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/i0.wp.com\/s3-eu-west-1.amazonaws.com\/www.fintonic.com\/wp-content\/uploads\/2019\/07\/25092923\/Webp.net-resizeimage-33.jpg?fit=1024%2C576&amp;ssl=1\" alt=\"Pr\u00e9stamo personal\" class=\"wp-image-11593\"\/><\/figure>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfY el consumidor?<\/h3>\n\n\n\n<p>El cliente debe saber d\u00f3nde\nse est\u00e1 metiendo en todo momento. Es decir, nadie conoce mejor su situaci\u00f3n\nfinanciera que el propio consumidor, por lo que deber\u00e1 <strong>echar cuentas a ver si la cantidad de dinero que necesita es realista y\nasumible<\/strong>. Si la puede devolver contando los intereses y en el plazo\nindicado. En ese caso, s\u00ed se puede lanzar a la piscina.<\/p>\n\n\n\n<p>En el caso de que se tenga\ncualquier duda con los papeleos, los intereses o las condiciones, entre otros,\nes recomendable<strong> consultarlo con la\npropia entidad <\/strong>para salir de dudas o bien a trav\u00e9s de un<strong> asesor o abogado<\/strong>. Para no firmar nunca\nalgo de lo que no se est\u00e1 completamente seguro.<\/p>\n\n\n\n<div style=\"height:24px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">En Fintonic te ofrecemos un cr\u00e9dito\nresponsable<\/h3>\n\n\n\n<p><strong>En Fintonic somos 100% transparentes<\/strong> y\nno nos gusta la letra peque\u00f1a, por lo que si quieres solicitar un pr\u00e9stamo\npersonal podemos ayudarte. Desde <a href=\"https:\/\/www.fintonic.com\/prestamos\/\">nuestra web\nde pr\u00e9stamos<\/a> encontrar\u00e1s toda la informaci\u00f3n necesaria\ny podr\u00e1s iniciar tu solicitud para conseguir el dinero que necesitas al menor\ninter\u00e9s posible.<\/p>\n\n\n\n<p>Ponemos a tu disposici\u00f3n<strong> un pr\u00e9stamo responsable<\/strong>, de tal forma\nque solo te ofreceremos una determinada cantidad de dinero si sabemos que\npuedes devolverlo. Adem\u00e1s, el FinScore que consigas determinar\u00e1 tu nivel de\nriesgo y por tanto las <strong>condiciones en\ncuanto a intereses y plazos<\/strong>, para que se ajuste completamente a tus\nnecesidades espec\u00edficas.<\/p>\n\n\n\n<p>Desc\u00e1rgate ahora la app de\nFintonic, reg\u00edstrate, conecta tus cuentas y descubre qu\u00e9 cantidad puedes\nsolicitar de pr\u00e9stamo y bajo qu\u00e9 condiciones. Es muy <strong>importante que mejores tu FinScore <\/strong>para conseguir las mejores\ncondiciones posibles. Nada nos gustar\u00eda m\u00e1s que poder darte ese dinero que\nnecesitas para cumplir todos tus sue\u00f1os y alcanzar las metas que te propongas.<\/p>\n\n\n\n<p>\u00bfQuieres solicitar un <strong>cr\u00e9dito responsable<\/strong>? Recuerda que podemos ayudarte.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.fintonic.com\/prestamos\/?&amp;utm_source=MC&amp;utm_medium=email&amp;utm_campaign=prestamosweb2\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2019\/02\/Fintonic-Prestamos-21-1024x401.png\" alt=\"Consigue tu pr\u00e9stamo con Fintonic\" class=\"wp-image-9509\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 significa cr\u00e9dito responsable?<\/p>\n","protected":false},"author":3,"featured_media":11598,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,33],"tags":[1043,34,921],"class_list":["post-11592","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-seccion-prestamos","tag-credito-responsable","tag-prestamos-personales","tag-prestamos-fintonic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cr\u00e9dito responsable, \u00bfqu\u00e9 significa? 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