ECONOMÍA

¿Usamos correctamente las tarjetas de crédito?

Fuente: Internet

Los expertos en finanzas personales aconsejan que los créditos personales y de consumo no deben superar el 30% de los ingresos. Si los ingresos son de S/ 930, las cuotas de pago de los prestamos en general deberían de ser como máximo S/ 279. Sin embargo, ¿se respetan estas recomendaciones? ¿O se arriesga nuestra imagen crediticia con los créditos de consumo?

USO DE TARJETAS DE CRÉDITO

Según datos brindados por Asbanc, el monto utilizado en créditos de consumo en el año 2018 fue S/ 234, 286 millones. Esto en línea con la información brindada por Minsait, el cual señala que el Perú se encuentra entre los países con mayor consumo promedio de pago con tarjeta de crédito. Debido al uso frecuente de esta para pagar las salidas de los fines de semana, vacaciones, ropa, alimentos, etc.

MOROSIDAD

Por su parte, los bancos están tomando medidas para contrarrestar el nivel de morosidad en sus clientes. Por ejemplo: aumento del número de cuotas pero con un monto más bajo o periodos de gracia, según informó Alberto Morisaki, gerente de Estudios Económicos de Asbanc.

A consecuencia de ello, se logró una reducción del 6.00% en diciembre 2017 a 4.45% al cierre del año siguiente.

¿CUAL ES EL RESULTADO EN NUESTRAS FINANZAS PERSONALES?

Cuando inicial los problemas, los clientes optan por refinanciar, reprogramar o vender su deuda a otras entidades bancarias. En otros casos, simplemente dejan de pagar las cuotas, acumulando intereses exorbitantes.

Como consecuencia final, los clientes sobre endeudados y morosos obtienen una calificación negativa en Infocorp. Por consiguiente, obtienen un “castigo financiero”, impidiéndole el acceso a todo tipo de créditos. Además, se limitan las ofertas laborales, ya que las empresas consultan a las centrales de riesgo para evaluar la confiabilidad de los postulantes.

Finalmente, es importante reflexionar si vale la pena reducir las oportunidades laborales o renunciar al sueño de la vivienda propia. Además, recuerde que no necesita excederse en sus gastos para demostrarles a sus seres queridos cuanto amor siente por ellos.

Janira Garcia
Bachiller en Economía de la Universidad Nacional del Callao. Interesada en el mercado de capitales. Disfruto escuchar música a todo volumen y en mi tiempo libre me gusta leer libros de ficción y terror.
5 Comments

Deja tu comentario

Loading Facebook Comments ...

5 Comments

  1. yeezy boost 350

    Marzo 13, 2019 at 11:15 am

    Thanks for all of the hard work on this blog. My mother loves managing investigation and it is obvious why. My spouse and i notice all about the compelling tactic you convey priceless steps via your web blog and in addition boost response from visitors about this matter plus our daughter is really becoming educated a lot. Take pleasure in the rest of the year. You are always carrying out a fantastic job.

  2. golden goose outlet

    Marzo 14, 2019 at 8:45 am

    I intended to create you one bit of note to finally give thanks the moment again considering the striking ideas you’ve provided above. It has been really surprisingly generous with people like you to offer extensively what exactly most people would’ve advertised as an ebook to make some dough on their own, even more so considering the fact that you might have tried it if you wanted. These creative ideas additionally worked like the fantastic way to comprehend other people have a similar interest similar to my personal own to understand much more with respect to this issue. I am certain there are lots of more pleasant times ahead for individuals that browse through your website.

  3. moncler outlet

    Marzo 18, 2019 at 1:57 am

    I am just writing to make you be aware of of the superb experience my daughter had browsing your blog. She even learned several things, which include what it is like to possess a great giving mindset to make other folks without problems gain knowledge of some problematic things. You actually exceeded readers’ expectations. Thanks for churning out those great, healthy, edifying as well as unique tips on your topic to Emily.

  4. yeezy boost 350 v2

    Marzo 19, 2019 at 6:26 am

    I have to express some appreciation to this writer for rescuing me from this situation. Just after looking through the search engines and meeting opinions that were not helpful, I believed my life was well over. Existing without the approaches to the issues you’ve fixed as a result of your posting is a serious case, as well as the kind which might have in a negative way affected my career if I had not come across your blog post. Your actual mastery and kindness in playing with all the stuff was invaluable. I am not sure what I would’ve done if I had not encountered such a subject like this. I’m able to at this time look forward to my future. Thank you so much for the high quality and results-oriented help. I will not think twice to recommend your web blog to anyone who will need counselling about this subject matter.

  5. hermes outlet online

    Marzo 20, 2019 at 3:40 pm

    I must show my thanks to the writer for rescuing me from this type of instance. As a result of browsing through the online world and coming across methods that were not pleasant, I thought my entire life was well over. Being alive devoid of the approaches to the problems you’ve sorted out as a result of your main short article is a serious case, and ones that might have badly damaged my entire career if I hadn’t discovered the website. Your primary competence and kindness in taking care of all areas was priceless. I’m not sure what I would have done if I had not come across such a step like this. I’m able to at this moment relish my future. Thanks very much for the specialized and result oriented help. I will not hesitate to recommend the blog to any individual who would like tips on this topic.

Leave a Reply

Su dirección de correo no se hará público. Los campos requeridos están marcados *

To Top