{"id":45877,"date":"2025-11-11T14:50:56","date_gmt":"2025-11-11T17:50:56","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=45877"},"modified":"2025-11-11T15:41:21","modified_gmt":"2025-11-11T18:41:21","slug":"prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/","title":{"rendered":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas"},"content":{"rendered":"\n<p>Tras las elecciones, el Gobierno impuls\u00f3<strong> una baja en las tasas de inter\u00e9s <\/strong>con el objetivo de reactivar el cr\u00e9dito en pesos. Esa decisi\u00f3n ya comenz\u00f3 a tener efecto: las l\u00edneas personales y de consumo est\u00e1n mostrando condiciones m\u00e1s blandas, por lo que es un buen momento para evaluar si te conviene tomar o refinanciar.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 pas\u00f3 con las tasas de inter\u00e9s<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Los pr\u00e9stamos empresariales de corto plazo bajaron de tasas alt\u00edsimas (m\u00e1s de 190 % nominal anual) a <strong>cerca del 41,1 %<\/strong> en unos pocos d\u00edas.<\/p>\n\n\n\n<p>En cuanto al cr\u00e9dito para consumo personal (12 a 60 meses), la <strong>TNA pas\u00f3 de 90-95 % a 81-85 % anual<\/strong> en bancos que ya salieron a competir.<\/p>\n\n\n\n<p>Las tarjetas de cr\u00e9dito, hist\u00f3ricamente con CFT superiores al 200 % anual, a\u00fan est\u00e1n arriba pero los bancos proyectan que las <strong>tasas comenzar\u00e1n a bajar m\u00e1s r\u00e1pido que en otros cr\u00e9ditos.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Oportunidades para tomar un cr\u00e9dito<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si est\u00e1s buscando un <a href=\"https:\/\/alprestamo.com\/ar\/prestamos-online?utm_source=institucional&amp;utm_medium=arrow-slider&amp;utm_source_sub=institucional-arrow-slider-prestamos\" target=\"_blank\" rel=\"noreferrer noopener\">pr\u00e9stamo personal<\/a> y cont\u00e1s con un buen perfil crediticio (ingresos, historial, cuenta sueldo), aprovechar estos tiempos de tasas de inter\u00e9s m\u00e1s bajas puede ahorrar mucho en pagos futuros.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Si us\u00e1s tarjetas de cr\u00e9dito para financiar compras, revis\u00e1 el <strong>Costo Financiero Total (CFT)<\/strong> y no s\u00f3lo la TNA: este indicador muestra lo que realmente vas a pagar.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Consider\u00e1 refinanciar deudas antiguas de tarjeta o consumo caro: cambiar a una l\u00ednea con tasa m\u00e1s baja puede reducir la carga financiera.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Verific\u00e1 que la tasa sea fija o tenga condiciones claras, para evitar que suba despu\u00e9s y te agarre desprevenido.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u00e9 tener en cuenta a la hora de aprovechar las tasas de inter\u00e9s<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A pesar de esta baja, las tasas siguen siendo elevadas en t\u00e9rminos reales frente a la inflaci\u00f3n. No asumas que son \u201cbaratas\u201d todav\u00eda.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>No pidas un cr\u00e9dito s\u00f3lo porque \u201cest\u00e1 m\u00e1s barato ahora\u201d sin antes asegurarte de que pod\u00e9s afrontar la cuota sin comprometer tu presupuesto.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Le\u00e9 el contrato completo: costos de otorgamiento, seguros asociados, plazos, penalidades.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Evalu\u00e1 alternativas: si el cr\u00e9dito es para algo no urgente, tal vez convenga esperar a que las condiciones mejoren a\u00fan m\u00e1s.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Tras las elecciones, el Gobierno impuls\u00f3 una baja en las tasas de inter\u00e9s con el objetivo de reactivar el cr\u00e9dito en pesos. Esa decisi\u00f3n ya comenz\u00f3 a tener efecto: las l\u00edneas personales y de consumo est\u00e1n mostrando condiciones m\u00e1s blandas, por lo que es un buen momento para evaluar si te conviene tomar o refinanciar.&nbsp; &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\"> <span class=\"screen-reader-text\">Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":32277,"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":[92,20],"tags":[],"class_list":["post-45877","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ar","category-economia-finanzas-ar"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas<\/title>\n<meta name=\"description\" content=\"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.\" \/>\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\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas\" \/>\n<meta property=\"og:description\" content=\"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\" \/>\n<meta property=\"og:site_name\" content=\"Alprestamo - Hacemos que todo suceda\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-11T17:50:56+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-11-11T18:41:21+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ramiro Querejeta\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ramiro Querejeta\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\"},\"author\":{\"name\":\"Ramiro Querejeta\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/4c568603ceb381762b4c9062d42c7627\"},\"headline\":\"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas\",\"datePublished\":\"2025-11-11T17:50:56+00:00\",\"dateModified\":\"2025-11-11T18:41:21+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\"},\"wordCount\":396,\"publisher\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg\",\"articleSection\":[\"AR\",\"Econom\u00eda y finanzas\"],\"inLanguage\":\"es-AR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\",\"url\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\",\"name\":\"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas\",\"isPartOf\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg\",\"datePublished\":\"2025-11-11T17:50:56+00:00\",\"dateModified\":\"2025-11-11T18:41:21+00:00\",\"description\":\"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.\",\"breadcrumb\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#breadcrumb\"},\"inLanguage\":\"es-AR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es-AR\",\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage\",\"url\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg\",\"contentUrl\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg\",\"width\":1024,\"height\":768,\"caption\":\"Mujer revisando su cuenta bancaria y pr\u00e9stamo con nuevas tasas reducidas.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/alprestamo.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#website\",\"url\":\"https:\/\/alprestamo.com\/blog\/\",\"name\":\"Alprestamo\",\"description\":\"Hacemos que todo suceda\",\"publisher\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/alprestamo.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"es-AR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#organization\",\"name\":\"Alprestamo\",\"url\":\"https:\/\/alprestamo.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-AR\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2022\/10\/Imagotipo_Blanco.svg\",\"contentUrl\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2022\/10\/Imagotipo_Blanco.svg\",\"width\":1199,\"height\":203,\"caption\":\"Alprestamo\"},\"image\":{\"@id\":\"https:\/\/alprestamo.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/4c568603ceb381762b4c9062d42c7627\",\"name\":\"Ramiro Querejeta\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es-AR\",\"@id\":\"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2025\/08\/1688503693490-150x150.jpeg\",\"contentUrl\":\"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2025\/08\/1688503693490-150x150.jpeg\",\"caption\":\"Ramiro Querejeta\"},\"url\":\"https:\/\/alprestamo.com\/blog\/author\/ramiro\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas","description":"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/","og_locale":"es_ES","og_type":"article","og_title":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas","og_description":"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.","og_url":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/","og_site_name":"Alprestamo - Hacemos que todo suceda","article_published_time":"2025-11-11T17:50:56+00:00","article_modified_time":"2025-11-11T18:41:21+00:00","og_image":[{"width":1024,"height":768,"url":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg","type":"image\/jpeg"}],"author":"Ramiro Querejeta","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Ramiro Querejeta","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#article","isPartOf":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/"},"author":{"name":"Ramiro Querejeta","@id":"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/4c568603ceb381762b4c9062d42c7627"},"headline":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas","datePublished":"2025-11-11T17:50:56+00:00","dateModified":"2025-11-11T18:41:21+00:00","mainEntityOfPage":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/"},"wordCount":396,"publisher":{"@id":"https:\/\/alprestamo.com\/blog\/#organization"},"image":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage"},"thumbnailUrl":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg","articleSection":["AR","Econom\u00eda y finanzas"],"inLanguage":"es-AR"},{"@type":"WebPage","@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/","url":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/","name":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas","isPartOf":{"@id":"https:\/\/alprestamo.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage"},"image":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage"},"thumbnailUrl":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg","datePublished":"2025-11-11T17:50:56+00:00","dateModified":"2025-11-11T18:41:21+00:00","description":"C\u00f3mo aprovechar la ca\u00edda de las tasas de inter\u00e9s: qu\u00e9 pr\u00e9stamos se abarataron y qu\u00e9 tarjetas conviene acceder si est\u00e1s pensando en una.","breadcrumb":{"@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#breadcrumb"},"inLanguage":"es-AR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/"]}]},{"@type":"ImageObject","inLanguage":"es-AR","@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#primaryimage","url":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg","contentUrl":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg","width":1024,"height":768,"caption":"Mujer revisando su cuenta bancaria y pr\u00e9stamo con nuevas tasas reducidas."},{"@type":"BreadcrumbList","@id":"https:\/\/alprestamo.com\/blog\/prestamos-y-tarjetas-de-credito-como-aprovechar-tasas-de-interes-mas-bajas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/alprestamo.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Pr\u00e9stamos y tarjetas de cr\u00e9dito: c\u00f3mo aprovechar tasas de inter\u00e9s m\u00e1s bajas"}]},{"@type":"WebSite","@id":"https:\/\/alprestamo.com\/blog\/#website","url":"https:\/\/alprestamo.com\/blog\/","name":"Alprestamo","description":"Hacemos que todo suceda","publisher":{"@id":"https:\/\/alprestamo.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/alprestamo.com\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"es-AR"},{"@type":"Organization","@id":"https:\/\/alprestamo.com\/blog\/#organization","name":"Alprestamo","url":"https:\/\/alprestamo.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"es-AR","@id":"https:\/\/alprestamo.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2022\/10\/Imagotipo_Blanco.svg","contentUrl":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2022\/10\/Imagotipo_Blanco.svg","width":1199,"height":203,"caption":"Alprestamo"},"image":{"@id":"https:\/\/alprestamo.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/4c568603ceb381762b4c9062d42c7627","name":"Ramiro Querejeta","image":{"@type":"ImageObject","inLanguage":"es-AR","@id":"https:\/\/alprestamo.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2025\/08\/1688503693490-150x150.jpeg","contentUrl":"https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2025\/08\/1688503693490-150x150.jpeg","caption":"Ramiro Querejeta"},"url":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"}]}},"uagb_featured_image_src":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447-150x150.jpg",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447-300x225.jpg",300,225,true],"medium_large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447-768x576.jpg",768,576,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false]},"uagb_author_info":{"display_name":"Ramiro Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"uagb_comment_info":0,"uagb_excerpt":"Tras las elecciones, el Gobierno impuls\u00f3 una baja en las tasas de inter\u00e9s con el objetivo de reactivar el cr\u00e9dito en pesos. Esa decisi\u00f3n ya comenz\u00f3 a tener efecto: las l\u00edneas personales y de consumo est\u00e1n mostrando condiciones m\u00e1s blandas, por lo que es un buen momento para evaluar si te conviene tomar o refinanciar.&nbsp;&hellip;","rttpg_featured_image_url":{"full":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"landscape":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"portraits":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"thumbnail":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447-150x150.jpg",150,150,true],"medium":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447-300x225.jpg",300,225,true],"large":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"1536x1536":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"2048x2048":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,false],"rt_custom":["https:\/\/alprestamo.com\/blog\/wp-content\/uploads\/2023\/10\/Diseno-sin-titulo-2023-10-30T154116.447.jpg",1024,768,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\/ar\/\" rel=\"category tag\">AR<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/ar\/economia-finanzas-ar\/\" rel=\"category tag\">Econom\u00eda y finanzas<\/a>","rttpg_excerpt":"Tras las elecciones, el Gobierno impuls\u00f3 una baja en las tasas de inter\u00e9s con el objetivo de reactivar el cr\u00e9dito en pesos. Esa decisi\u00f3n ya comenz\u00f3 a tener efecto: las l\u00edneas personales y de consumo est\u00e1n mostrando condiciones m\u00e1s blandas, por lo que es un buen momento para evaluar si te conviene tomar o refinanciar.&nbsp;&hellip;","_links":{"self":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/45877"}],"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=45877"}],"version-history":[{"count":4,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/45877\/revisions"}],"predecessor-version":[{"id":45881,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/posts\/45877\/revisions\/45881"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media\/32277"}],"wp:attachment":[{"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/media?parent=45877"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/categories?post=45877"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alprestamo.com\/blog\/wp-json\/wp\/v2\/tags?post=45877"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}