{"id":12016,"date":"2019-10-01T11:30:13","date_gmt":"2019-10-01T09:30:13","guid":{"rendered":"https:\/\/www.fintonic.com\/?p=12016"},"modified":"2024-09-16T14:18:34","modified_gmt":"2024-09-16T12:18:34","slug":"credito-personal-vs-linea-de-credito-que-diferencias-existen","status":"publish","type":"post","link":"https:\/\/www.fintonic.com\/blog\/credito-personal-vs-linea-de-credito-que-diferencias-existen\/","title":{"rendered":"Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito, \u00bfqu\u00e9 diferencias existen?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Los usuarios pueden obtener<strong> financiaci\u00f3n <\/strong>por medio de distintas\nv\u00edas, siendo algunas de las m\u00e1s populares las <strong>l\u00edneas de cr\u00e9dito y los cr\u00e9ditos personales<\/strong>. Por ello, hoy desde\nFintonic veremos las diferencias, para que sepas qu\u00e9 producto financiero se\najusta m\u00e1s a tus necesidades. <\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-credito-personal-vs-linea-de-credito-que-diferencias-existen\">Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito: \u00bfqu\u00e9\ndiferencias existen?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Antes de abarcar las\ndiferencias, \u00bfqu\u00e9 es concretamente cada producto? A continuaci\u00f3n te mostramos\nsu definici\u00f3n:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Una<strong> l\u00ednea de cr\u00e9dito <\/strong>es una <strong>cantidad\nde dinero<\/strong> que una entidad financiera pone a <strong>disposici\u00f3n de un cliente durante un determinado tiempo<\/strong>. El cliente\nno recibe ese dinero al inicio, sino que podr\u00e1 ir disponiendo de \u00e9l seg\u00fan\nnecesite, por medio de su cuenta o a trav\u00e9s de una tarjeta de cr\u00e9dito.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Normalmente, en las l\u00edneas\nde cr\u00e9dito se cobra una <strong>comisi\u00f3n m\u00ednima <\/strong>sobre\nel saldo que finalmente no se ha utilizado. Asimismo, se pagan<strong> intereses<\/strong> por la cantidad utilizada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Por otro lado, tenemos el<strong> cr\u00e9dito personal<\/strong>. En este caso, la\nentidad financiera le <strong>entrega al cliente\nuna cantidad de dinero al inicio<\/strong>, con la condici\u00f3n de que ser\u00e1 devuelta\njunto con unos <a href=\"https:\/\/www.abc.es\/economia\/abci-cuando-pago-aplazado-asociado-tarjetas-credito-conlleva-dispare-coste-intereses-201906130221_noticia.html\">intereses asociados<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ahora que sabemos qu\u00e9\nsignifica cada uno de estos productos financieros, \u00bfqu\u00e9 diferencias tenemos?\nLas siguientes son las principales: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Recepci\u00f3n<br>del dinero<\/strong>: una de las principales diferencias entre<br>ambos productos financieros, tiene que ver con la recepci\u00f3n del dinero. En el<br>caso de un cr\u00e9dito personal, \u00e9ste se recibe al principio, mientras que en la<br>l\u00ednea de cr\u00e9dito se puede solicitar seg\u00fan se vaya necesitando.<\/li>\n\n\n\n<li><strong>Intereses<\/strong>:<br>en los cr\u00e9ditos personales los intereses se abonan desde el momento en el que<br>se recibe el dinero. En las l\u00edneas de cr\u00e9dito cuando se disponga del <a href=\"https:\/\/www2.privalore.es\/ufaqs\/se-fija-capital-necesario-oportunidad\/\">capital necesario<\/a>.<\/li>\n\n\n\n<li><strong>Tipos<br>de inter\u00e9s<\/strong>: los tipo de inter\u00e9s m\u00e1s altos suelen<br>estar asociados a las l\u00edneas de cr\u00e9ditos. Los pr\u00e9stamos los tienen m\u00e1s bajos.<\/li>\n\n\n\n<li><strong>Renovaci\u00f3n<\/strong>:<br>las l\u00edneas de cr\u00e9dito se pueden renovar varias veces antes de su vencimiento.<br>El pr\u00e9stamo no, sino que debe <a href=\"https:\/\/www.20minutos.es\/noticia\/3523027\/0\/simulador-hipoteca-amortizar-cuota-plazo\/https:\/www.20minutos.es\/noticia\/3523027\/0\/simulador-hipoteca-amortizar-cuota-plazo\/\">amortizarse en plazo<\/a>.<\/li>\n\n\n\n<li><strong>Plazo<\/strong>:<br>el plazo de la l\u00ednea de cr\u00e9dito es inferior al pr\u00e9stamo personal.<\/li>\n\n\n\n<li><strong>Tipo<br>de usuario que accede al producto financiero<\/strong>:<br>las l\u00edneas de cr\u00e9dito son m\u00e1s habituales por parte de peque\u00f1as, medianas<br>empresas o aut\u00f3nomos, para tener cubiertas las necesidades de liquidez. En<br>cuanto al cr\u00e9dito personal, lo suele solicitar cualquier tipo de usuario.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/i2.wp.com\/s3-eu-west-1.amazonaws.com\/www.fintonic.com\/wp-content\/uploads\/2019\/10\/01111643\/Webp.net-resizeimage-2019-10-01T111659.598.jpg?fit=1024%2C576&amp;ssl=1\" alt=\"Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito: \u00bfqu\u00e9 diferencias existen?\" class=\"wp-image-12018\"\/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-que-opcion-es-mejor-para-mi\">\u00bfQu\u00e9 opci\u00f3n es mejor para m\u00ed?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Todo depende de tus\nnecesidades. Ahora que conoces las <strong>diferencias\nentre un cr\u00e9dito personal y una l\u00ednea de cr\u00e9dito <\/strong>seguro que tienes m\u00e1s\nclaro qu\u00e9 opci\u00f3n te conviene m\u00e1s.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si no eres aut\u00f3nomo o\nempresa, lo m\u00e1s habitual es optar por un <strong>cr\u00e9dito\npersonal<\/strong>. De esta forma podr\u00e1s<strong>\nrecibir la cantidad de dinero que necesitas ya mismo<\/strong> y hacer frente al pago\nde una hipoteca, un coche, un viaje\u2026 \u00a1lo que necesites!<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-gt-solicita-tu-credito-personal-en-fintonic\">&gt; Solicita tu cr\u00e9dito personal en\nFintonic<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfQuieres solicitar un\npr\u00e9stamo personal y no sabes por d\u00f3nde empezar? Si deseas obtener hasta 50.000\neuros y bajo las mejores condiciones, te invitamos a que eches un vistazo en\nnuestra <a href=\"https:\/\/www.fintonic.com\/prestamos\/\">web de pr\u00e9stamos<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para solicitarlo,\nsimplemente tendr\u00e1s que bajarte la app de Fintonic en tu m\u00f3vil, conectar tus\ncuentas bancarias y, en base a tu FinScore (la salud de tus cuentas) podr\u00e1s\nacceder a una cantidad u otra y a unas determinadas condiciones.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, te ofrecemos un <strong>cr\u00e9dito personal sin comisiones y en cuesti\u00f3n de 24 horas<\/strong>, para que no tengas que esperar por tu dinero.  Al conocer las<strong> diferencias entre cr\u00e9dito personal vs l\u00ednea de cr\u00e9dito <\/strong>seguro que ya tienes m\u00e1s claro qu\u00e9 opci\u00f3n se ajusta a lo que tienes en mente. A\u00fan as\u00ed, no dudes en ponerte en contacto con nosotros si tienes dudas  <\/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>Los usuarios pueden obtener financiaci\u00f3n por medio de distintas v\u00edas, siendo algunas de las m\u00e1s populares las l\u00edneas de cr\u00e9dito y los cr\u00e9ditos personales. Por ello, hoy desde Fintonic veremos las diferencias, para que sepas qu\u00e9 producto financiero se ajusta m\u00e1s a tus necesidades.<\/p>\n","protected":false},"author":3,"featured_media":12017,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[30,33],"tags":[1079,1080,942],"class_list":["post-12016","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finanzas-personales","category-seccion-prestamos","tag-credito-personal","tag-linea-de-credito","tag-prestamo-personal"],"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 Personal vs L\u00ednea de Cr\u00e9dito, \u00bfqu\u00e9 diferencias existen? - Fintonic News<\/title>\n<meta name=\"description\" content=\"Algunas de las v\u00edas de financiac\u00edon m\u00e1s populares son las l\u00edneas de cr\u00e9dito y los cr\u00e9ditos personales, \u00bfsabes cu\u00e1l es al perfecta para ti?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fintonic.com\/blog\/credito-personal-vs-linea-de-credito-que-diferencias-existen\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito, \u00bfqu\u00e9 diferencias existen?\" \/>\n<meta property=\"og:description\" content=\"Algunas de las v\u00edas de financiac\u00edon m\u00e1s populares son las l\u00edneas de cr\u00e9dito y los cr\u00e9ditos personales, \u00bfsabes cu\u00e1l es al perfecta para ti?\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fintonic.com\/blog\/credito-personal-vs-linea-de-credito-que-diferencias-existen\/\" \/>\n<meta property=\"og:site_name\" content=\"Fintonic News\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fintonic\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-10-01T09:30:13+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-16T12:18:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fintonic.com\/blog\/wp-content\/uploads\/2024\/03\/cropped-Fintonic_Logo-1-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"512\" \/>\n\t<meta property=\"og:image:height\" content=\"512\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Jorge Jimenez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@JorgeJimenez1\" \/>\n<meta name=\"twitter:site\" content=\"@FINTONIC\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jorge Jimenez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/\"},\"author\":{\"name\":\"Jorge Jimenez\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#\\\/schema\\\/person\\\/ddf97a6c293f2dbeed890d3f3d817499\"},\"headline\":\"Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito, \u00bfqu\u00e9 diferencias existen?\",\"datePublished\":\"2019-10-01T09:30:13+00:00\",\"dateModified\":\"2024-09-16T12:18:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/\"},\"wordCount\":683,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"Cr\u00e9dito Personal\",\"L\u00ednea de Cr\u00e9dito\",\"Pr\u00e9stamo personal\"],\"articleSection\":[\"Finanzas\",\"Pr\u00e9stamos\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/\",\"url\":\"https:\\\/\\\/www.fintonic.com\\\/blog\\\/credito-personal-vs-linea-de-credito-que-diferencias-existen\\\/\",\"name\":\"Cr\u00e9dito Personal vs L\u00ednea de Cr\u00e9dito, \u00bfqu\u00e9 diferencias existen? 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