{"id":25469,"date":"2024-06-03T16:59:13","date_gmt":"2024-06-03T19:59:13","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=25469"},"modified":"2025-06-17T17:05:28","modified_gmt":"2025-06-17T20:05:28","slug":"como-acceder-a-prestamos-desde-s-20-mil-sin-historial-crediticio","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/como-acceder-a-prestamos-desde-s-20-mil-sin-historial-crediticio\/","title":{"rendered":"C\u00f3mo acceder a pr\u00e9stamos desde S\/20 mil sin historial crediticio"},"content":{"rendered":"\n<p>Todos los d\u00edas, miles de solicitudes de<strong> pr\u00e9stamos <\/strong>son rechazadas por diferentes razones, pero la principal es la falta de<strong> historial crediticio<\/strong>. Para tener uno positivo y fuerte, es importante tener buenas costumbres financieras, como estar al d\u00eda con las deudas.&nbsp;<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Por otro lado, hay algunas personas que tienen<strong> historial crediticio negativo<\/strong>, debido al retraso en los pagos o por incumplimiento de sus obligaciones. Esto los lleva a tener un score malo en centrales de riesgo como Infocorp.&nbsp;<\/p>\n\n\n\n<p>A pesar de esto, es posible<a href=\"https:\/\/alprestamo.com\/blog\/pe\/que-tipos-de-prestamos-existen-en-peru-y-cual-es-el-mejor-para-ti\/\"> <\/a>en Per\u00fa <a href=\"https:\/\/alprestamo.com\/blog\/pe\/que-tipos-de-prestamos-existen-en-peru-y-cual-es-el-mejor-para-ti\/\" target=\"_blank\" rel=\"noreferrer noopener\">acceder a <strong>pr\u00e9stamos<\/strong><\/a><strong> desde S\/20 mil sin historial crediticio. <\/strong>&nbsp;\u00bfC\u00f3mo? Gracias a los pr\u00e9stamos con garant\u00eda hipotecaria, tu historial crediticio o situaci\u00f3n financiera en las centrales de riesgo no es determinante para calificar, debido a que el inmueble o propiedad funciona como garant\u00eda o aval de tu solicitud.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Beneficios de los pr\u00e9stamos desde S\/20 mil&nbsp;<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Desembolsos desde<strong> S\/20 mil hasta S\/600 mil<\/strong>.&nbsp;<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/alprestamo.com\/blog\/pe\/que-tasas-de-interes-tienen-los-prestamos-en-peru\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tasa de inter\u00e9s<\/a> desde 1.35% mensual<\/strong> con los gastos adicionales incluidos.&nbsp;<\/li>\n\n\n\n<li>Plazos de pagos de hasta 48 meses con posibilidad de renovaci\u00f3n.<\/li>\n\n\n\n<li>Posibilidad de elegir tres esquemas de pago.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f3mo acceder al pr\u00e9stamo desde S\/20 mil&nbsp;<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Para solicitar un pr\u00e9stamo con garant\u00eda hipotecaria es necesario contar con un inmueble o propiedad que est\u00e9 inscrita en la <strong>Superintendencia Nacional de Registros P\u00fablicos (Sunarp)<\/strong>, ubicado en la regi\u00f3n metropolitana de <strong>Lima<\/strong>, <strong>Callao<\/strong>, <strong>Arequipa Metropolitana<\/strong> o <strong>Trujillo Metropolitano <\/strong>y libre de multas, grav\u00e1menes o afectaciones en la municipalidad o registros p\u00fablicos.&nbsp;<\/p>\n\n\n\n<p>Los documentos a presentar son los siguientes:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Copia literal actualizada&nbsp;<\/li>\n\n\n\n<li>Hoja resumen y Predio urbano<\/li>\n\n\n\n<li>Copia del DNI de los due\u00f1os de la propiedad&nbsp;<\/li>\n\n\n\n<li>Copia de recibo del servicio de luz o agua&nbsp;<\/li>\n\n\n\n<li>Copia del DNI del solicitante&nbsp;<\/li>\n\n\n\n<li>Sustento de ingresos de los \u00faltimos tres meses<\/li>\n<\/ul>\n\n\n\n<p>Este tipo de pr\u00e9stamos desde S\/20 mil sin historial crediticio son otorgados por <strong>Prestamype<\/strong>, una fintech en Per\u00fa registrada en la Superintendencia de Banca y Seguros. Luego de presentar toda la documentaci\u00f3n, en 15 d\u00edas h\u00e1biles se firma el contrato en notar\u00eda y se entrega el dinero. Adem\u00e1s, cuenta con asesor\u00eda personalizada durante todo el proceso del pr\u00e9stamo. Adicionalmente, si necesitas un pr\u00e9stamo m\u00e1s grande, existen algunas entidades que pueden realizar <a href=\"https:\/\/alprestamo.com\/blog\/como-obtener-un-prestamo-de-s-500-al-instante\/\">pr\u00e9stamos de 500 soles al instante<\/a>, te recomendamos que selecciones la entidad financiera en donde poseas cuenta, completes la informaci\u00f3n necesaria y evalues condiciones y montos otorgados.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Todos los d\u00edas, miles de solicitudes de pr\u00e9stamos son rechazadas por diferentes razones, pero la principal es la falta de historial crediticio. Para tener uno positivo y fuerte, es importante tener buenas costumbres financieras, como estar al d\u00eda con las deudas.&nbsp; Por otro lado, hay algunas personas que tienen historial crediticio negativo, debido al retraso &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/como-acceder-a-prestamos-desde-s-20-mil-sin-historial-crediticio\/\"> <span class=\"screen-reader-text\">C\u00f3mo acceder a pr\u00e9stamos desde S\/20 mil sin historial crediticio<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":33093,"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-25469","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-pe","category-prestamos-pe"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>C\u00f3mo acceder a pr\u00e9stamos desde S\/20 mil sin historial crediticio<\/title>\n<meta name=\"description\" content=\"Todos los d\u00edas, miles de solicitudes de pr\u00e9stamos son rechazadas por diferentes razones, pero la principal es la falta de historial crediticio. Para tener\" \/>\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\/como-acceder-a-prestamos-desde-s-20-mil-sin-historial-crediticio\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00f3mo acceder a pr\u00e9stamos desde S\/20 mil sin historial crediticio\" \/>\n<meta property=\"og:description\" content=\"Todos los d\u00edas, miles de solicitudes de pr\u00e9stamos son rechazadas por diferentes razones, pero la principal es la falta de historial crediticio. 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