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Abonos chiquitos ¿para pagar poquito?

Adquirir deudas es muy fácil, tenemos a la mano créditos, tarjetas de bancos, departamentales que nos pueden llevar a un punto crítico, abonar el mínimo requerido puede ayudarnos a mantener limpio nuestro historial crediticio, sin embargo, esta no es una buena práctica, por lo que debe evitarla.

La subdelegada en Sinaloa, de la Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros, María Guadalupe Espinoza Calderón, dijo que pagar el mínimo alarga el plazo para liquidar el total de su deuda y pagara una mayor cantidad de intereses.

“Por eso Condusef te da estos consejos paga el mínimo en caso de emergencia y no puedas cubrir un poco más, con ello no afectaras tu historial y evitaras intereses moratorios”.

Si las deudas son altas y la única opción es pagar los mínimos o no puede pagar ni eso, la recomendamos de Condusef es refinanciarlas con otro crédito más barato a menor tasa de interés anual.

“Antes de recurrir a esta medida debes saber cuánto tiempo te tomará liquidar tu deuda con los pagos mínimos y la tasa de interés anual de la tarjeta”.

Para tener este detalle puede utilizar la Calculadora de Pagos Mínimos, en la página de internet de Condusef.

“En el sitio  www.gob.mx/condusef/acciones-y-programas/simuladores-y-calculadoras, con ellas podrás conocer el importe del pago mínimo, el saldo pendiente de liquidar y el tiempo que tardarías en pagar tus deudas, si solo realizas el importe mínimo, siempre y cunado no se efectúen otras compras”.

Resaltar que pagar más del mínimo requerido le ayudara a liquidar más rápido, con menos intereses, mejora su calificación crediticia, en algunas entidades financieras aumenta su línea de crédito y es sujeto a prestamos más grandes, que solo se recomienda tomar si tiene la capacidad de pago.

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