{"id":11686,"date":"2019-08-05T11:30:43","date_gmt":"2019-08-05T09:30:43","guid":{"rendered":"https:\/\/www.fintonic.com\/?p=11686"},"modified":"2019-08-05T11:30:43","modified_gmt":"2019-08-05T09:30:43","slug":"prestamos-al-consumo-cuando-y-como-se-originaron","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/prestamos-al-consumo-cuando-y-como-se-originaron\/","title":{"rendered":"Pr\u00e9stamos al consumo, \u00bfcu\u00e1ndo y c\u00f3mo se originaron?"},"content":{"rendered":"\n<p>Es muy probable que est\u00e9s al tanto de la existencia de los <strong>pr\u00e9stamos al consumo<\/strong>. Pero, \u00bfsabes cu\u00e1ndo y c\u00f3mo se originaron? Con el paso de los a\u00f1os los usuarios han vivido distintas tendencias, por lo que los <strong>cambios en los h\u00e1bitos de consumo <\/strong>han dado lugar a la aparici\u00f3n de estos <strong><a href=\"https:\/\/www.fintonic.com\/tipos-de-credito-al-consumo\/\">cr\u00e9ditos<\/a><\/strong>.<\/p>\n\n\n\n<!--more-->\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Historia de los Pr\u00e9stamos al consumo: todo\nlo que necesitas saber<\/h2>\n\n\n\n<p>Antes de nada, \u00bfqu\u00e9 es un<strong> cr\u00e9dito al consumo<\/strong>? Se trata de un\ncontrato en el que el prestamista concede un cr\u00e9dito o financiaci\u00f3n a un\nconsumidor; bajo una forma de pago concreta y a devolver en un plazo\ndeterminado.<\/p>\n\n\n\n<p>Los cr\u00e9ditos al consumo se\nencuentran regulados por la <strong>Ley 16\/2011 <\/strong>con\nfecha del <strong>24 de junio<\/strong>; por lo que su\nexistencia en Espa\u00f1a se remonta a ese momento. Y los consumidores no pueden\nrenunciar a los derechos que implica esta Ley.<\/p>\n\n\n\n<p>No se consideran contratos\nde cr\u00e9dito al suministro de bienes o prestaci\u00f3n continuada de servicios. Pero\ns\u00ed a la concesi\u00f3n de un <a href=\"https:\/\/www.eldiario.es\/consumoclaro\/ahorrar_mejor\/Pago-aplazado-tarjetas-credito-evitarlo_0_774473547.html\">cr\u00e9dito bajo pago aplazado,<\/a>\npr\u00e9stamo, apertura de cr\u00e9dito u otro medio de financiaci\u00f3n.<\/p>\n\n\n\n<p>Es m\u00e1s, el <strong>Banco de Espa\u00f1a (BdE)<\/strong> introduce a los\ncr\u00e9ditos al consumo en una categor\u00eda dentro de los pr\u00e9stamos personales. \u00bfPor\nqu\u00e9? Esto es debido a que buena parte de los pr\u00e9stamos personales son destinados\na <a href=\"https:\/\/www.pymesyautonomos.com\/fiscalidad-y-contabilidad\/diferencia-entre-entrega-de-bienes-y-prestaciones-de-servicios\">comprar bienes o servicios<\/a>,\npor lo que se consideran cr\u00e9ditos al consumo.<\/p>\n\n\n\n<p>Es por ello por lo que el <a href=\"https:\/\/www.bde.es\/bde\/es\/\">BdE<\/a>\nconsidera los cr\u00e9ditos al consumo como \u201c<em>contratos\nen los que una persona f\u00edsica o jur\u00eddica ejerciendo su actividad comercial\nconcede a un consumidor un cr\u00e9dito bajo una forma de plazo para satisfacer\nnecesidades personales al margen de su actividad profesional y de al menos 200\n\u20ac<\/em>\u201d.<\/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\/08\/05092445\/Webp.net-resizeimage-48.jpg?fit=1024%2C683&amp;ssl=1\" alt=\"Historia de los Pr\u00e9stamos al consumo\" class=\"wp-image-11689\"\/><\/figure>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfDe d\u00f3nde vienen los pr\u00e9stamos al consumo?<\/h3>\n\n\n\n<p>El <strong>origen de los cr\u00e9ditos al consumo <\/strong>se remonta a la<strong> segunda mitad del siglo XV<\/strong>. M\u00e1s\nconcretamente surgieron en el norte de Italia, conocidos como los <strong>Montes de Piedad<\/strong>. <\/p>\n\n\n\n<p>La propia Asociaci\u00f3n\nInternacional de Entidades de Cr\u00e9dito Prendario y Social ha afirmado que han\nsido los <strong>frailes franciscanos<\/strong> los\nque crearon estos \u201cmontes pietatis\u201d pensando en los<strong> prestamistas jud\u00edos<\/strong>; que eran los \u00fanicos que daban cr\u00e9ditos al\nconsumo a cambio de grandes intereses (30 &#8211; 200%).<\/p>\n\n\n\n<p>Con el objetivo de<strong> aliviar a los campesinos<\/strong>, los\nfranciscanos apostaron por este modelo de negocio; para as\u00ed prestar peque\u00f1as\ncantidades de dinero en met\u00e1lico con garant\u00eda de prenda, y sin intereses.<\/p>\n\n\n\n<p>En el a\u00f1o<strong> 1515 <\/strong>el papa Le\u00f3n X aprob\u00f3 el cobro de<strong> intereses<\/strong>. Desde entonces los Montes\nde Piedad decidieron cobrarlos. Luego, a\u00f1os m\u00e1s tarde, se fueron extendiendo\npor el territorio cat\u00f3lico.<\/p>\n\n\n\n<p>Empezaron a dispararse\ndurante el siglo XX, con la llegada del coche. Primero en EEUU y luego en\nEuropa. Su \u00e9xito fue tal que<strong> en la\nsegunda mitad del siglo XX se tuvieron que legislar los cr\u00e9ditos al consumo<\/strong>.\n<\/p>\n\n\n\n<div style=\"height:27px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfC\u00f3mo solicitar un cr\u00e9dito al consumo?<\/h3>\n\n\n\n<p>Teniendo en cuenta los cambios en los h\u00e1bitos de consumo, es cada vez m\u00e1s habitual recurrir a<strong> pr\u00e9stamos al consumo<\/strong>. <\/p>\n\n\n\n<p>Si te descargas nuestra <strong>aplicaci\u00f3n para controlar gastos<\/strong> ver\u00e1s\nque tenemos una secci\u00f3n de pr\u00e9stamos desde la cual podr\u00e1s ver la cantidad que\npuedes solicitar, en base a tu FinScore. De esta forma podr\u00e1s <strong>organizar gastos <\/strong>y tapar cualquier\nagujero, con un cr\u00e9dito peque\u00f1o adaptado en todo momento a tus posibilidades. <\/p>\n\n\n\n<p>Te invitamos tambi\u00e9n a que\neches un ojo a la <a href=\"https:\/\/www.fintonic.com\/prestamos\/\">web de\npr\u00e9stamos de Fintonic<\/a>. De esta manera podr\u00e1s\nrealizar una simulaci\u00f3n, para que as\u00ed conozcas la cantidad a la que puedes\nacceder.<\/p>\n\n\n\n<p>No importa si necesitas un<strong> pr\u00e9stamo personal al consumo<\/strong>; porque desde Fintonic podremos ayudarte de manera transparente, tanto a ahorrar como a conseguir un dinero extra para lo que te apetezca. \u00bfCharlamos? <\/p>\n\n\n\n<p>Gracias por leer nuestro blog, recuerda que si tienes cualquier duda o sugerencia puedes dej\u00e1rnosla en los comentarios \ud83d\ude03<\/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=prestamosweb1\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.fintonic.com\/wp-content\/uploads\/2019\/02\/Fintonic-Prestamos-1-1024x401.png\" alt=\"Simula tu pr\u00e9stamo\" class=\"wp-image-9500\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Es muy probable que est\u00e9s al tanto de la existencia de los pr\u00e9stamos al consumo. Pero, \u00bfsabes cu\u00e1ndo y c\u00f3mo se originaron? Con el paso de los a\u00f1os los usuarios han vivido distintas tendencias, por lo que los cambios en los h\u00e1bitos de consumo han dado lugar a la aparici\u00f3n de estos cr\u00e9ditos.<\/p>\n","protected":false},"author":3,"featured_media":11688,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,33],"tags":[1050,921],"class_list":["post-11686","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-seccion-prestamos","tag-prestamo-al-consumo","tag-prestamos-fintonic"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Pr\u00e9stamos al consumo, \u00bfcu\u00e1ndo y c\u00f3mo se originaron? - Fintonic News<\/title>\n<meta name=\"description\" content=\"Es muy probable que est\u00e9s al tanto de la existencia de los pr\u00e9stamos al consumo. 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