{"id":29336,"date":"2021-10-25T21:46:43","date_gmt":"2021-10-26T02:46:43","guid":{"rendered":"https:\/\/acl.com.ec\/?p=29336"},"modified":"2021-10-25T21:46:43","modified_gmt":"2021-10-26T02:46:43","slug":"manejo-prudente-del-credito-para-evitar-el-sobre-endeudamiento","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/manejo-prudente-del-credito-para-evitar-el-sobre-endeudamiento\/","title":{"rendered":"Manejo prudente del cr\u00e9dito para evitar el sobre endeudamiento"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"29336\" class=\"elementor elementor-29336\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89ed7bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89ed7bc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dba146\" data-id=\"9dba146\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64957c1 elementor-widget elementor-widget-heading\" data-id=\"64957c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-medium\">Manejo prudente del cr\u00e9dito para evitar el sobre endeudamiento<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d165304 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d165304\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f05cdc0\" data-id=\"f05cdc0\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec58019 elementor-widget elementor-widget-text-editor\" data-id=\"ec58019\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"title-h2\"><span style=\"color: #7e9fbb;\"><b>\u00bfQu\u00e9 es el cr\u00e9dito?<\/b><\/span><\/div><p><span style=\"font-weight: 400; color: #000000;\">El cr\u00e9dito es un pr\u00e9stamo de dinero que le puede otorgar una instituci\u00f3n financiera a un cliente, previo el compromiso de pago futuro en forma total o parcial considerando un valor adicional por el pago de los intereses que compensar\u00e1n a la instituci\u00f3n financiera por el tiempo que no dispuso de esos recursos.<\/span><\/p><div class=\"title-h2\"><span style=\"font-weight: 400; color: #7e9fbb;\">Importancia del Cr\u00e9dito:<\/span><\/div><p><span style=\"font-weight: 400; color: #000000;\">El cr\u00e9dito dentro de la econom\u00eda tiene gran importancia ya que permite a las personas, empresas y los Estados disponer de recursos que, de otra forma, ser\u00edan dif\u00edciles de obtener. El uso del cr\u00e9dito puede incentivar el consumo de las personas, los sistemas productivos de los pa\u00edses. El cr\u00e9dito en los diferentes sistemas de la econom\u00eda pueden ayudar a fortalecer aspectos como: la inversi\u00f3n social, el desarrollo de proyectos, etc.<\/span><\/p><p><b>Ventajas:<\/b><\/p><ul><li><span style=\"font-weight: 400; color: #000000;\">Poder adquisitivo inmediato<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Son otorgados en base a la capacidad de pago<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Permite crear un registro de las compras<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Accesible a cualquier tipo de persona<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Consolidar las cuentas en un solo pago<\/span><\/li><\/ul><p><b>Desventajas:<\/b><\/p><ul><li><span style=\"font-weight: 400; color: #000000;\">Generaci\u00f3n de intereses aumentando el costo de los productos<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Puede requerir cuotas adicionales<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Puede generar dificultades financieras si no hay un adecuado control<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\">Induce un mayor porcentaje de compras impulsivas<\/span><\/li><\/ul><div class=\"title-h2\"><span style=\"color: #7e9fbb;\"><b>\u00bfCu\u00e1ndo ocurre un sobreendeudamiento?<\/b><\/span><\/div><p><span style=\"font-weight: 400; color: #000000;\">Se produce un sobreendeudamiento cuando el patrimonio y los ingresos de un hogar no cubren el pago de sus necesidades b\u00e1sicas y de las obligaciones contra\u00eddas con sus acreedores. De hecho, si la suma total de las deudas supera el 40% de la renta familiar disponible, la familia se encuentra en una situaci\u00f3n de alto riesgo de sobreendeudamiento.<\/span><\/p><div class=\"title-h2\"><span style=\"color: #7e9fbb;\"><b>\u00bfC\u00f3mo evitar el sobreendeudamiento?<\/b><\/span><\/div><p><span style=\"font-weight: 400; color: #000000;\">A continuaci\u00f3n te ofrecemos algunos consejos que puedes seguir:<\/span><\/p><ol><li><span style=\"font-weight: 400; color: #000000;\"> Realizar un presupuesto peri\u00f3dico de tus finanzas. Esto permite tener un panorama m\u00e1s claro de cu\u00e1nto se dispone para gastar y ahorrar. Facilita visualizar en qu\u00e9 rubros habr\u00e1 como hacer recortes si es posible.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Priorizar los gastos que tienes (alimentaci\u00f3n, transporte, pago de servicio y de deudas), eliminando los gastos de menor importancia y que representan egresos de dinero.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Revisar las deudas con el objetivo de determinar cu\u00e1les pueden ser liquidadas m\u00e1s r\u00e1pido y si es conveniente consolidarlas o renegociarlas.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Revisar los productos financieros con el objetivo de analizar cuales te brindan verdaderos beneficios.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Planificar las compras a meses sin intereses, manteniendo los pagos mensuales al d\u00eda evitando pagar intereses.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Los ingresos extras destinarlos al pago de tus deudas a fin de liquidarlas lo m\u00e1s r\u00e1pido posible.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> No liquidar cr\u00e9ditos con otro cr\u00e9dito, si realmente no es beneficiosa esta opci\u00f3n podr\u00eda convertirse cada vez en un problema mayor.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> Haz del ahorro un h\u00e1bito, para ello cont\u00e9mplalo como parte de tu presupuesto y trata de que sea de al menos el 10% de tus ingresos.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> No aceptes pr\u00e9stamos que no hayas solicitado.<\/span><\/li><li><span style=\"font-weight: 400; color: #000000;\"> No gastes en cosas no presupuestadas. No realizar compras innecesarias. Evita en la medida comprometer tus ingresos futuros.<\/span><\/li><\/ol><p><b><i>Fuente: <\/i><\/b><i>Programa de Educaci\u00f3n Financiera CFN<\/i><\/p><p><br \/><br \/><br \/><br \/><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120100\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6aa6f3a\" data-id=\"6aa6f3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d4b6f6 elementor-widget elementor-widget-text-editor\" data-id=\"4d4b6f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Ante cualquier duda, comun\u00edquese con nosotros<\/p><p style=\"text-align: center;\">info@acl.com.ec<\/p><p>\u00a1S\u00edganos en Redes Sociales!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9be424 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"a9be424\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-1ccab11\" href=\"https:\/\/www.facebook.com\/ACLAUDITCO\/?epa=SEARCH_BOX\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-11a0a69\" href=\"https:\/\/www.youtube.com\/channel\/UCZ-wHjiy6Ss3AwamBWk-HAA?view_as=subscriber\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-1bd231e\" href=\"https:\/\/www.linkedin.com\/company\/acl-auditores-y-consultores-latam-ecuador\/?viewAsMember=true\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-ad68edc\" href=\"https:\/\/www.instagram.com\/acl_latam\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Manejo prudente del cr\u00e9dito para evitar el sobre endeudamiento \u00bfQu\u00e9 es el cr\u00e9dito? El cr\u00e9dito es un pr\u00e9stamo de dinero que le puede otorgar una instituci\u00f3n financiera a un cliente, previo el compromiso de pago futuro en forma total o parcial considerando un valor adicional por el pago de los intereses que compensar\u00e1n a la [&hellip;]<\/p>","protected":false},"author":3,"featured_media":29340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"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":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[23],"tags":[],"class_list":["post-29336","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-contabilidad","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/29336","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=29336"}],"version-history":[{"count":0,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/29336\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/29340"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=29336"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=29336"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=29336"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}