{"id":132357,"date":"2023-02-23T15:38:58","date_gmt":"2023-02-23T15:38:58","guid":{"rendered":"https:\/\/all-car-news.com\/pedir-un-prestamo-para-comprar-un-coche-cada-vez-mas-popular\/"},"modified":"2023-02-23T15:38:58","modified_gmt":"2023-02-23T15:38:58","slug":"pedir-un-prestamo-para-comprar-un-coche-cada-vez-mas-popular","status":"publish","type":"post","link":"https:\/\/all-car-news.com\/es\/pedir-un-prestamo-para-comprar-un-coche-cada-vez-mas-popular\/","title":{"rendered":"Pedir un pr\u00e9stamo para comprar un coche, cada vez m\u00e1s popular"},"content":{"rendered":"

Antes comprabas un coche. En alg\u00fan momento, el leasing se convirti\u00f3 en una alternativa atractiva para repartir los costes. A largo plazo, sin embargo, el leasing no siempre es la opci\u00f3n m\u00e1s econ\u00f3mica. Entonces entra en escena un pr\u00e9stamo. Parece que cada vez m\u00e1s consumidores optan por esta opci\u00f3n. Seg\u00fan el sitio de comparaci\u00f3n Becam, el n\u00famero de pr\u00e9stamos para autom\u00f3viles aument\u00f3 casi un 11% el a\u00f1o pasado.<\/p>\n

Por lo tanto, cada vez es m\u00e1s frecuente pedir prestado<\/strong><\/h2>\n

El creciente n\u00famero de pr\u00e9stamos para coches tiene todo que ver con la subida constante de los precios. La gente se queda con menos a final de mes y las cuentas de ahorro se agotan. Adem\u00e1s, los coches son cada vez m\u00e1s caros. Adem\u00e1s de la inflaci\u00f3n general, el impuesto de compra bpm tambi\u00e9n sigue aumentando. El precio medio de los coches nuevos vendidos en los Pa\u00edses Bajos en 2022 ascendi\u00f3 a la friolera de 43.072 euros<\/a>. Un fuerte aumento en comparaci\u00f3n con a\u00f1os anteriores.<\/p>\n

Recurrir al mercado de segunda mano es una buena alternativa, pero no eres el \u00fanico al que se le ha ocurrido esa idea. As\u00ed que los precios tambi\u00e9n suben all\u00ed. En 2021, ya te gastabas una media de 21.376 euros<\/a> por un coche usado en Holanda y esa cantidad no ha hecho m\u00e1s que seguir subiendo.<\/p>\n

Dos tipos de pr\u00e9stamos para coches<\/strong><\/h2>\n

Existen b\u00e1sicamente dos tipos de pr\u00e9stamos para coches: un pr\u00e9stamo personal y un cr\u00e9dito renovable. La primera forma es la m\u00e1s popular. Esto se debe a que un pr\u00e9stamo personal tiene un plazo y un tipo de inter\u00e9s fijos. Eso da m\u00e1s seguridad sobre los futuros costes mensuales.<\/p>\n

Subida de los tipos de inter\u00e9s<\/strong><\/h2>\n

Lo cual es bueno, ya que los tipos de inter\u00e9s tambi\u00e9n est\u00e1n volviendo a subir r\u00e1pidamente. En el segundo trimestre de 2022, el tipo de inter\u00e9s de un pr\u00e9stamo era a\u00fan del 3,45%, a finales de a\u00f1o ya era del 4,4%. Mientras tanto, los tipos de inter\u00e9s ya han subido m\u00e1s…<\/p>\n

As\u00ed de alto es el pr\u00e9stamo medio para coches<\/strong><\/h2>\n

Becam prev\u00e9 que los clientes pidan un pr\u00e9stamo medio de 19.366 euros para comprar un coche en 2022. Un gran aumento desde 2021, cuando el importe medio era de 16.592 euros. Eso supone una diferencia de casi el 17%.<\/p>\n

Fuente : https:\/\/www.becam.nl\/gemiddelde-lening-voor-auto-stijgt-naar-e-19-366\/<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Antes comprabas un coche. En alg\u00fan momento, el leasing se convirti\u00f3 en una alternativa atractiva para repartir los costes. 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