{"id":23013,"date":"2023-05-18T10:44:45","date_gmt":"2023-05-18T13:44:45","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=23013"},"modified":"2023-05-18T10:44:46","modified_gmt":"2023-05-18T13:44:46","slug":"que-tipos-de-creditos-existen-en-peru","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/que-tipos-de-creditos-existen-en-peru\/","title":{"rendered":"\u00bfQu\u00e9 tipos de cr\u00e9ditos existen en Per\u00fa?"},"content":{"rendered":"\n

Mucha gente cree que \u201cpr\u00e9stamos\u201d y \u201ccr\u00e9dito\u201d son sin\u00f3nimos. Por eso, vamos a explicar la diferencia entre estos productos financieros y a contarte <\/strong>qu\u00e9 tipos de cr\u00e9ditos hay en Per\u00fa.<\/strong><\/p>\n\n\n\n

Un pr\u00e9stamo<\/a>, como su nombre lo indica, es un acuerdo entre un usuario que solicita un monto de dinero y una entidad que se lo brinda en un solo pago<\/strong>, con la condici\u00f3n que el prestatario devolver\u00e1 todo m\u00e1s un inter\u00e9s en cuotas.<\/p>\n\n\n\n

En cambio, un cr\u00e9dito es m\u00e1s flexible y permite acceder a l\u00ednea de financiaci\u00f3n dependiendo de las necesidades del usuario.<\/strong> Un claro ejemplo son las tarjetas de cr\u00e9dito, que le dan al cliente del banco la posibilidad de pagar con dinero prestado, es decir el del banco, y devolverlo a fin de mes. Pero es decisi\u00f3n del usuario si usar una parte, todo o nada de este cr\u00e9dito mensual.<\/p>\n\n\n\n

Tipos de cr\u00e9ditos en Per\u00fa<\/h2>\n\n\n\n

En Per\u00fa existen distintos tipos de cr\u00e9ditos seg\u00fan sus montos, plazo de devoluci\u00f3n y fines. Estos son:<\/p>\n\n\n\n

Cr\u00e9dito hipotecario<\/h3>\n\n\n\n

Es un dinero que los bancos ofrecen para financiar hasta el 90% de un inmueble nuevo, de una compra o remodelaci\u00f3n. La garant\u00eda, en caso que el beneficiario del cr\u00e9dito no pueda devolver el dinero, es el inmueble mismo.<\/p>\n\n\n\n

Los plazos de pago son medianos o largos.<\/p>\n\n\n\n

Cr\u00e9ditos al consumo<\/h3>\n\n\n\n

Suelen ser otorgados a individuos que desean financiar un consumo espec\u00edfico, como un viaje o un producto particular. Los plazos de devoluci\u00f3n son cortos o medianos.<\/p>\n\n\n\n

Tarjeta de cr\u00e9dito<\/h3>\n\n\n\n

Como dec\u00edamos, es una de las formas m\u00e1s comunes de cr\u00e9dito y consta de un dinero mensual que el banco le permite tomar mes a mes a sus usuarios, que deben devolverlo cuando termina el mes para no pagar intereses.<\/p>\n\n\n\n

Cr\u00e9ditos vehiculares<\/h3>\n\n\n\n

Se otorgan para financiar exclusivamente la adquisici\u00f3n de un autom\u00f3vil. Se paga a mediano plazo y, al igual que los cr\u00e9ditos hipotecarios, se deja el veh\u00edculo mismo como garant\u00eda. <\/p>\n\n\n\n

Cr\u00e9ditos para empresas<\/h3>\n\n\n\n

Se otorgan a la empresas, principalmente a MYPEs, para que estas financien la adquisici\u00f3n de maquinaria nueva y ampl\u00eden su infraestructura. Se suele devolver a mediano o corto plazo.<\/p>\n\n\n\n

\u00bfC\u00f3mo elegir el cr\u00e9dito que mejor se adapte a mis necesidades?<\/h2>\n\n\n\n

Alpestamo es un marketplace de productos financieros<\/strong><\/a> que conecta a usuarios que buscan uno de estos productos, como pr\u00e9stamos o cr\u00e9ditos, con instituciones que pueden ofrecerlos. <\/strong><\/p>\n\n\n\n

As\u00ed que si est\u00e1s buscando algunos de los tipos de cr\u00e9ditos que hay en Per\u00fa,<\/em> solo tienes que completar este formulario<\/a> y en pocos segundos nuestro sistema te va a mostrar los cr\u00e9ditos que mejor se adapten a tus necesidades econ\u00f3micas y a tu perfil crediticio. \u00a1Es as\u00ed de sencillo!<\/p>\n","protected":false},"excerpt":{"rendered":"

Mucha gente cree que \u201cpr\u00e9stamos\u201d y \u201ccr\u00e9dito\u201d son sin\u00f3nimos. Por eso, vamos a explicar la diferencia entre estos productos financieros y a contarte qu\u00e9 tipos de cr\u00e9ditos hay en Per\u00fa. Un pr\u00e9stamo, como su nombre lo indica, es un acuerdo entre un usuario que solicita un monto de dinero y una entidad que se lo …<\/p>\n

\u00bfQu\u00e9 tipos de cr\u00e9ditos existen en Per\u00fa?<\/span> Leer m\u00e1s »<\/a><\/p>\n","protected":false},"author":9,"featured_media":23014,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"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":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[101,118],"tags":[],"class_list":["post-23013","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pe","category-prestamos-pe"],"acf":[],"yoast_head":"\n\u00bfQu\u00e9 tipos de cr\u00e9ditos existen en Per\u00fa?<\/title>\n<meta name=\"description\" content=\"Mucha gente cree que \u201cpr\u00e9stamos\u201d y \u201ccr\u00e9dito\u201d son sin\u00f3nimos. Por eso, vamos a explicar la diferencia entre estos productos financieros y a contarte qu\u00e9\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/alprestamo.com\/blog\/que-tipos-de-creditos-existen-en-peru\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 tipos de cr\u00e9ditos existen en Per\u00fa?\" \/>\n<meta property=\"og:description\" content=\"Mucha gente cree que \u201cpr\u00e9stamos\u201d y \u201ccr\u00e9dito\u201d son sin\u00f3nimos. 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Por eso, vamos a explicar la diferencia entre estos productos financieros y a contarte qu\u00e9 tipos de cr\u00e9ditos hay en Per\u00fa. Un pr\u00e9stamo, como su nombre lo indica, es un acuerdo entre un usuario que solicita un monto de dinero y una entidad que se lo…","rttpg_featured_image_url":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false],"landscape":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false],"portraits":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru-150x150.jpg",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru-300x176.jpg",300,176,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru-1024x602.jpg",1024,602,true],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false],"rt_custom":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/05\/creditos-peru.jpg",1250,735,false]},"rttpg_author":{"display_name":"Ramiro Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/pe\/\" rel=\"category tag\">PE<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/pe\/prestamos-pe\/\" rel=\"category tag\">Pr\u00e9stamos<\/a>","rttpg_excerpt":"Mucha gente cree que \u201cpr\u00e9stamos\u201d y \u201ccr\u00e9dito\u201d son sin\u00f3nimos. Por eso, vamos a explicar la diferencia entre estos productos financieros y a contarte qu\u00e9 tipos de cr\u00e9ditos hay en Per\u00fa. Un pr\u00e9stamo, como su nombre lo indica, es un acuerdo entre un usuario que solicita un monto de dinero y una entidad que se lo…","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/23013"}],"collection":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/comments?post=23013"}],"version-history":[{"count":1,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/23013\/revisions"}],"predecessor-version":[{"id":23015,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/23013\/revisions\/23015"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/23014"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=23013"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=23013"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=23013"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}