{"id":10966,"date":"2020-08-28T11:08:01","date_gmt":"2020-08-28T15:08:01","guid":{"rendered":"https:\/\/demo2.mybscu.org\/?p=10966"},"modified":"2024-01-14T21:54:30","modified_gmt":"2024-01-15T02:54:30","slug":"zero-percent-auto-loans-the-catch","status":"publish","type":"post","link":"https:\/\/demo2.mybscu.org\/es\/zero-percent-auto-loans-the-catch\/","title":{"rendered":"Pr\u00e9stamos para autom\u00f3viles con inter\u00e9s cero: el truco"},"content":{"rendered":"<section data-parent=\"true\" class=\"vc_section row-container\" id=\"section-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/demo2.mybscu.org\/wp-content\/uploads\/2020\/08\/shutterstock_749118631.jpg);background-repeat: no-repeat;background-position: center center;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row no-top-padding no-bottom-padding no-h-padding full-width row-parent\"><div data-parent=\"true\" class=\"vc_row row-container\" id=\"row-unique-0\"><div class=\"row unequal limit-width row-parent\" data-height-ratio=\"60\" data-minheight=\"300\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center align_center_mobile column_parent col-lg-12 no-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"ult-spacer spacer-69d9eb0ede35f\" data-id=\"69d9eb0ede35f\" data-height=\"20\" data-height-mobile=\"20\" data-height-tab=\"20\" data-height-tab-portrait=\"\" data-height-mobile-landscape=\"\" style=\"clear:both;display:block;\"><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><script id=\"script-section-unique-0\" data-section=\"script-section-unique-0\" type=\"text\/javascript\">UNCODE.initSection(document.getElementById(\"section-unique-0\"));<\/script><\/div><\/section><div data-parent=\"true\" class=\"vc_row style-color-lxmt-bg vc_custom_1596821653499 row-container onepage-section\" data-label=\"more\" data-name=\"more\" style=\"padding-top: 20px ;padding-bottom: 20px ;\" id=\"row-unique-1\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_2\"><div id=\"Info-box-wrap-6328\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\" data-animation=\"swing\" data-animation-delay=\"03\" style=\"color:#00475f;font-size:48px;display:inline-block;\">\n\t<i class=\"Defaults-heart\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-6328 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"desktop:20px;\",\"line-height\":\"\"}'  style=\"\">\u00bfEs realmente cero por ciento?<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-6328 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"desktop:18px;\",\"line-height\":\"\"}'  style=\"color:#000000;\">Los concesionarios y fabricantes suelen ofrecer financiaci\u00f3n al 0% para atraer clientes. Aunque parezca una oferta tentadora, menos del 101% de los solicitantes cumplen los requisitos para acceder a esta financiaci\u00f3n especial. Adem\u00e1s de que la mayor\u00eda no cumple los requisitos para este tipo de pr\u00e9stamo, estos suelen estar plagados de comisiones y cargos ocultos. Si est\u00e1 considerando una opci\u00f3n de pr\u00e9stamo como esta, lea atentamente la letra peque\u00f1a antes de firmar. Lo \u00faltimo que desea es acabar con un pr\u00e9stamo muy caro.<\/p>\n<h4><span data-preserver-spaces=\"true\">Cargos ocultos<\/span><\/h4>\n<p><span data-preserver-spaces=\"true\">Si una empresa ofreciera un pr\u00e9stamo con financiaci\u00f3n al cero por ciento, quebrar\u00eda r\u00e1pidamente. Muchos fabricantes y concesionarios que ofrecen financiaci\u00f3n al cero por ciento tienen cargos ocultos en la letra peque\u00f1a que quiz\u00e1s no le digan directamente. Los cargos t\u00edpicos incluyen cuotas de membres\u00eda anuales que van desde unos pocos d\u00f3lares hasta varios cientos y que a menudo pueden hacer que la tasa de inter\u00e9s baja del pr\u00e9stamo sea muy costosa a largo plazo. Otro t\u00e9rmino com\u00fan es que el prestatario recibir\u00e1 penalizaciones por pago anticipado, que pueden incluir\u00a0<strong><a href=\"https:\/\/www.investopedia.com\/terms\/r\/retroactive-interest-rate-increase.asp\">inter\u00e9s retroactivo<\/a><\/strong>\u00a0o cargos adicionales.<\/span><\/p>\n<h4><span data-preserver-spaces=\"true\">Truco de cr\u00e9dito<\/span><\/h4>\n<p><span data-preserver-spaces=\"true\">Un truco com\u00fan con las ofertas de financiaci\u00f3n al 0% es ofrecer un l\u00edmite de cr\u00e9dito apenas superior al importe del pr\u00e9stamo. Si superas ese l\u00edmite, aunque sea m\u00ednimamente, el acreedor podr\u00eda aumentar tus tipos de inter\u00e9s. Estos aumentos suelen superar el 20% o m\u00e1s. Si te ofrecen una TAE del 0% y esta est\u00e1 sujeta a un l\u00edmite de cr\u00e9dito espec\u00edfico, aseg\u00farate de NUNCA superarlo.<\/span><\/p>\n<h4>L\u00edmites de tiempo<\/h4>\n<p><span data-preserver-spaces=\"true\">Many loans promising 0% financing require you to pay the loan back in full by a particular time. If this deadline isn&#8217;t met, large interest amounts may be added based on the original loan amount, not just the remainder. If applied, these rates typically exceed 20% and can turn what seems like a great deal into a complete nightmare. When applying for a loan like this, make sure you&#8217;re realistic about what you can afford and how fast you can repay the loan amount. If there is any question on whether you&#8217;ll make the payments on time, find a different loan option.<\/span><\/p>\n<h4><span data-preserver-spaces=\"true\">Costes incorporados<\/span><\/h4>\n<p><span data-preserver-spaces=\"true\">If you&#8217;re getting a zero percent financing car deal, you might have difficulty haggling to get the car price lowered or any other incentives. This allows the automaker to pocket a nice profit on the car&#8217;s sale despite offering the 0% financing. These inflated prices can make the 0% financing deal a complete waste of money when. You need to compare the difference in cost to a zero percent financing deal and a low-interest rate with the ability to negotiate on the price.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span data-preserver-spaces=\"true\">More often than not, 0% financing is not what it&#8217;s made out to be. There are many hidden fees, time limits, and credit restrictions. When making a large purchase such as a car, it&#8217;s essential not to get tricked into thinking you&#8217;re genuinely getting 0% financing. With BrightStar&#8217;s <a href=\"https:\/\/demo2.mybscu.org\/es\/autoadvisors\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Asesores automotrices gratuitos<\/strong><\/a>Negociar\u00e1n el precio m\u00e1s bajo posible y usted recibir\u00e1 una reducci\u00f3n de la tasa de inter\u00e9s de 0.25% en su pr\u00e9stamo para autom\u00f3vil BrightStar.<\/span><\/p>\n<p><\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":""},"author":4,"featured_media":15546,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2866,33,35,45,26,16],"tags":[],"class_list":["post-10966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-financial-decisions","category-good-credit","category-rates","category-saving","category-shopping"],"_links":{"self":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/10966","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/comments?post=10966"}],"version-history":[{"count":2,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/10966\/revisions"}],"predecessor-version":[{"id":15548,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/posts\/10966\/revisions\/15548"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/media\/15546"}],"wp:attachment":[{"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/media?parent=10966"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/categories?post=10966"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/demo2.mybscu.org\/es\/wp-json\/wp\/v2\/tags?post=10966"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}