{"id":7627,"date":"2019-10-18T12:40:29","date_gmt":"2019-10-18T12:40:29","guid":{"rendered":"https:\/\/credxperts.ch\/dev\/dev\/dev\/dev\/?page_id=7627"},"modified":"2026-02-10T20:29:39","modified_gmt":"2026-02-10T19:29:39","slug":"comparacion-de-tipos-de-interes-2","status":"publish","type":"page","link":"https:\/\/credxperts.angularity.de\/es\/zinsvergleich-2\/","title":{"rendered":"Comparativa de intereses"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_raw_html wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t\n<div id=\"calculator\">\n    <div id=\"cx_calculator\">\n        <div class=\"calc left\">\n            <div class=\"upper\">\n                <label for=\"pricipal\">Pr\u00e9stamo deseado<\/label>\n                <div class=\"result\">\n                    <span class=\"currency\">CHF<\/span>\n                    <span id=\"principal_result\">0.0<\/span>\n                <\/div>\n                <input name=\"pricipal_range\" \n                       type=\"range\" \n                       id=\"pricipal\" \n                       min=\"5000\" \n                       max=\"250000\" \n                       value=\"450000\" \n                       step=\"1000\">\n                       <!--<p class=\"rightTrackPrincipal\"><\/p>-->\n            <\/div>\n            <div class=\"lower\">\n                <label for=\"duration\">Plazo<\/label>\n                <div class=\"result\">\n                    <span id=\"duration_result\">120<\/span>\n                    <span class=\"time\">Meses<\/span>\n                <\/div>\n                <input name=\"duration_range\" \n                       type=\"range\" \n                       id=\"duration\"\n                       min=\"6\" \n                       max=\"120\" \n                       value=\"84\" \n                       step=\"6\">\n                       <!--<p class=\"rightTrackDuration\"><\/p>-->\n            <\/div>\n        <\/div>\n        <div class=\"calc right\">\n            <h4>Tarifa mensual<\/h4>\n            <div class=\"half\">\n                <p>des 5.8%<\/p>\n                <span id=\"lower_rate\"><\/span>\n            <\/div>\n            <div class=\"half\">\n                <p>hasta 9,95%<\/p>\n                <span id=\"higher_rate\"><\/span>        \n            <\/div><div class=\"cx-calc-button\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\" id=\"cx-button\">\n                    Iniciar comparaci\u00f3n de pr\u00e9stamos\n                <\/a>        \n            <\/div><\/div>\n    <\/div>\n<\/div>\n<div id=\"offer_list\">\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Banco de dinero Cembra<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"7.95\"\n                 data-interest-to=\"9.95\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>7,95% a 9,95%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: No<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>1'000\n                CHF hasta <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Banco-ahora<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"7.90\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>7.90% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: No<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>1'000\n                CHF hasta <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"84\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Banco Migros <\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.7\"\n                 data-interest-to=\"5.9\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>4,7% a 5,9%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: No<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"100000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>1'000\n                CHF hasta <br>100.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"120\"        \n        >\n            <div class=\"offer-name\">\n                <strong>bob Finanzas<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.9\"\n                 data-interest-to=\"9.9\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>4,9% a 9,9%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: No<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"80000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>1'000\n                CHF hasta <br>80.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"6\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>BCGE<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"6.40\"\n                 data-interest-to=\"6.40\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>6.40% a 6.40%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: No<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"2500\"            \n                data-principal-max=\"70000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>2'500\n                CHF hasta <br>70.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>CreditGate24<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"4.80\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>4.80% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: S\u00ed<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"5000000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>5'000\n                CHF hasta <br>5.000.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"12\"        \n            data-max-duration=\"72\"        \n        >\n            <div class=\"offer-name\">\n                <strong>LEND - Suiza<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.5\"\n                 data-interest-to=\"9.8\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>3,5% a 9,8%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: S\u00ed<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"200000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>5'000\n                CHF hasta <br>200.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"1\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Cashare<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.90\"\n                 data-interest-to=\"9.90\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>3.90% a 9.90%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: S\u00ed<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"1000\"            \n                data-principal-max=\"1000000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>1'000\n                CHF hasta <br>1.000.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n        <div class=\"offer-item\"\n            data-min-duration=\"1\"        \n            data-max-duration=\"60\"        \n        >\n            <div class=\"offer-name\">\n                <strong>Crowd4Cash<\/strong>\n            <\/div>\n            <div class=\"offer-interest\"\n                 data-interest-from=\"3.9\"\n                 data-interest-to=\"8.9\"\n            >\n                <span>Tipo de inter\u00e9s efectivo anual<\/span>\n                <strong>3,9% a 8,9%<\/strong>\n                <span class=\"additional-cost\">Costes adicionales: S\u00ed<\/span>\n            <\/div>\n            <div class=\"offer-sum\"\n                data-principal-min=\"5000\"            \n                data-principal-max=\"250000\"            \n            >\n                <span>Monto del cr\u00e9dito<\/span>\n                <strong>5'000\n                CHF hasta <br>250.000 CHF\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cost\">\n                <span>Gastos mensuales<\/span>\n                <strong>\n                    <span class=\"monthly_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"monthly_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-total\">\n                <span>Costes totales<\/span>\n                <strong>\n                    <span class=\"total_from\">0<\/span><span> CHF a<\/span>\n                    <br \/>\n                    <span class=\"total_to\">0<\/span><span> CHF<\/span>\n                <\/strong>\n            <\/div>\n            <div class=\"offer-cta\">\n                <a href=\"https:\/\/credxperts.angularity.de\/es\/kreditantrag\/\">Solicitar informaci\u00f3n<\/a>                         \n            <\/div>\n        <\/div>\n<\/div>\n\t\t<\/div>\n\t<\/div>\n<div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >En credXperts encontrar\u00e1 la mejor tasa de inter\u00e9s de Suiza.<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Comparaci\u00f3n de tipos de inter\u00e9s: lo que debe saber sobre intereses y tipos de inter\u00e9s<\/strong><\/p>\n<p>Cualquiera que quiera comparar tipos de inter\u00e9s deber\u00eda tener una respuesta a estas preguntas: \u00bfQu\u00e9 son exactamente los tipos de inter\u00e9s? \u00bfPor qu\u00e9 hay distintos tipos de inter\u00e9s? \u00bfY cu\u00e1l es la diferencia entre un tipo de inter\u00e9s efectivo y uno nominal? En los siguientes apartados responderemos a estas y otras preguntas sobre los tipos de inter\u00e9s. Entre otras cosas, abordaremos estos temas:<\/p>\n<ul>\n<li>Inter\u00e9s: definici\u00f3n y funci\u00f3n.<\/li>\n<li>Importe del tipo de inter\u00e9s: \u00bfQu\u00e9 factores intervienen?<\/li>\n<li>Comparaci\u00f3n de tipos de inter\u00e9s: \u00bfPor qu\u00e9 merece la pena comparar los tipos de inter\u00e9s de los pr\u00e9stamos personales?<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323835557 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >\u00bfQu\u00e9 son los intereses?<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Los intereses son la cantidad de dinero que un deudor paga por el dinero prestado, como un pr\u00e9stamo o una hipoteca. La tasa de inter\u00e9s se mide en porcentaje y se establece durante un per\u00edodo de tiempo determinado. Lo que se aplica a los pr\u00e9stamos tambi\u00e9n se aplica a las cuentas de ahorro: all\u00ed usted presta su dinero al banco y este le paga un inter\u00e9s de ahorro (= inter\u00e9s a favor) que hoy en d\u00eda apenas vale la pena debido a las bajas tasas de inter\u00e9s.<\/p>\n<p>Por otro lado, lo que s\u00ed vale la pena es la comparaci\u00f3n de tasas de inter\u00e9s, como al solicitar un pr\u00e9stamo personal: con una comparaci\u00f3n de tasas de inter\u00e9s, ahorrar\u00e1 dinero en efectivo. <a href=\"https:\/\/de.wikipedia.org\/wiki\/Zins\" target=\"_blank\" rel=\"noopener noreferrer\">Si desea saber m\u00e1s sobre el tema que le interesa, puede encontrar m\u00e1s informaci\u00f3n aqu\u00ed.<\/a><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Existen diferentes tasas de inter\u00e9s debido a varios factores. Algunas de las razones principales son:<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Lo favorable que sea un pr\u00e9stamo depende del tipo de inter\u00e9s, que a su vez depende de varios factores. Por eso merece la pena comparar los tipos de inter\u00e9s, porque puede ahorrarte mucho dinero. Aqu\u00ed puede ver qu\u00e9 factores provocan tipos de inter\u00e9s diferentes:<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"200\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >La relaci\u00f3n entre la oferta y la demanda.<\/h6><p >Por ejemplo, si muchas empresas invierten en investigaci\u00f3n y desarrollo y toman pr\u00e9stamos para ello, la tasa de inter\u00e9s aumenta. Si la demanda de pr\u00e9stamos disminuye, la tasa de inter\u00e9s tambi\u00e9n disminuye.<\/p><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"400\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >Calificaci\u00f3n crediticia y valuaci\u00f3n de riesgo<\/h6><p >Adem\u00e1s de los factores mencionados anteriormente que influyen en la tasa de inter\u00e9s, la propia solvencia crediticia que los bancos y proveedores de cr\u00e9dito eval\u00faan tambi\u00e9n es de gran importancia. Si una evaluaci\u00f3n de riesgo resulta desfavorable, el riesgo para los acreedores aumenta y se busca compensar con una tasa de inter\u00e9s m\u00e1s alta. Por lo tanto, si usted solicita un pr\u00e9stamo y su capacidad crediticia representa un mayor riesgo para el prestamista, puede esperar una tasa de inter\u00e9s m\u00e1s alta. Sin embargo, incluso en este caso, vale la pena comparar diferentes proveedores de cr\u00e9dito y tasas de inter\u00e9s para obtener el cr\u00e9dito m\u00e1s favorable posible.<\/p><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"key-icon-box icon-default  cont-left ib-hover-2  kd-animated fadeInUp\" style=\"background-color: transparent;\" data-animation-delay=\"600\"><div class=\"ib-wrapper\"><h6 class=\"service-heading\" >Prop\u00f3sito del cr\u00e9dito<\/h6><p >Adem\u00e1s, tambi\u00e9n es importante qu\u00e9 tipo de pr\u00e9stamo solicite en un banco: si es un pr\u00e9stamo con un prop\u00f3sito espec\u00edfico, como para un autom\u00f3vil o una propiedad, o un pr\u00e9stamo no espec\u00edfico. Con los pr\u00e9stamos con prop\u00f3sito espec\u00edfico, en comparaci\u00f3n con un pr\u00e9stamo no espec\u00edfico, obtendr\u00e1 una tasa de inter\u00e9s m\u00e1s baja porque el banco tiene una garant\u00eda, como el autom\u00f3vil o la propiedad. Por otro lado, un pr\u00e9stamo no espec\u00edfico representa un mayor riesgo de incumplimiento para el banco, por lo que la tasa de inter\u00e9s puede ser m\u00e1s alta. Sin embargo, tambi\u00e9n es importante verificar las diferentes ofertas, ya que no todos los prestamistas manejan esto de la misma manera y algunos no vinculan el prop\u00f3sito del pr\u00e9stamo con la tasa de inter\u00e9s.<\/p><\/div><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Como hay varios factores que influyen en el tipo de inter\u00e9s, puede merecer la pena comparar los tipos de inter\u00e9s de distintos proveedores de cr\u00e9dito. Como agente de cr\u00e9dito, comparamos constantemente el tipo de inter\u00e9s actual de los pr\u00e9stamos personales: Gracias a nuestra independencia, podemos ofrecerle el mejor tipo de inter\u00e9s de pr\u00e9stamo en Suiza. <strong>Consejo: Compare el tipo de inter\u00e9s tambi\u00e9n con su <a href=\"https:\/\/credxperts.angularity.de\/es\/\">Cr\u00e9dito<\/a>.<\/strong> Posiblemente podr\u00eda empezar con un <a href=\"https:\/\/credxperts.angularity.de\/es\/canjear-credito\/\" target=\"_blank\" rel=\"noopener noreferrer\">Amortizaci\u00f3n de pr\u00e9stamos<\/a> obtener tipos de inter\u00e9s m\u00e1s bajos.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-kd-parallax=\"1.5\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1584116012365 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom vc_general kd_vc_parallax kd_vc_parallax-content-moving\"><div class=\"parallax-overlay\" data-vc-kd-parallax=\"1.5\"><\/div><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-center\" ><h2 class=\"separator_off\" style=\"color: #ffffff;\">M\u00e1s informaci\u00f3n \u00fatil<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_row-o-equal-height vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"200\"><a href=\"\/es\/solicitud-de-credito\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Calcular mi cr\u00e9dito<\/h6><\/a><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"400\"><a href=\"\/es\/preguntas-frecuentes-respuestas\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Preguntas y respuestas frecuentes<\/h6><\/a><\/div><\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-4\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><div class=\"key-icon-box icon-default icon-top cont-center ib-no-effect  kd-animated fadeIn\" style=\"background-color: #ffffff;\" data-animation-delay=\"600\"><a href=\"\/es\/solicitar-credito\/\" target=\"_blank\"><i class=\"\" style=\" \"><\/i> <h6 class=\"service-heading\" >Criterios de pr\u00e9stamo<\/h6><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323835557 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >\u00bfCu\u00e1l es la diferencia entre la tasa de inter\u00e9s efectiva y la tasa de inter\u00e9s nominal?<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p>Un banco fija el tipo de inter\u00e9s nominal de un pr\u00e9stamo a un plazo determinado. Tambi\u00e9n se denomina tipo de inter\u00e9s deudor y corresponde a la cantidad de dinero que el deudor debe pagar por su pr\u00e9stamo. El tipo de inter\u00e9s efectivo se utiliza cuando, adem\u00e1s del <strong>Tipo de inter\u00e9s nominal<\/strong> tambi\u00e9n incluyen otros factores como <strong>Gastos de tramitaci\u00f3n, plazo del cr\u00e9dito y plazos de amortizaci\u00f3n<\/strong>Un plazo m\u00e1s largo de un pr\u00e9stamo personal se asocia a unos costes por intereses m\u00e1s elevados, siempre que el pr\u00e9stamo se utilice tambi\u00e9n durante todo el plazo. Sin embargo, un<strong> per\u00edodo m\u00e1s largo<\/strong> tambi\u00e9n merece la pena, porque puede <strong>Distribuir mejor el riesgo<\/strong> y, por tanto, son m\u00e1s flexibles. Y si puede reembolsar un pr\u00e9stamo anticipadamente, puede <strong>beneficiarse de una exenci\u00f3n del tipo de inter\u00e9s<\/strong>. Para ello puede utilizar nuestro <a href=\"https:\/\/credxperts.angularity.de\/es\/calculadora-de-drenaje\/\">Calculadora de amortizaci\u00f3n de pr\u00e9stamos<\/a> utilizar. Por eso es importante sopesar todos los pros y los contras y compararlos con tu situaci\u00f3n personal para encontrar la oferta de pr\u00e9stamo que m\u00e1s te convenga.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><div class=\"vc_row wpb_row vc_row-fluid vc_custom_1571323691160 vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-left\" ><h2 class=\"separator_off\" >Tasa de Inter\u00e9s Anual Efectiva entre 4,4 % y 9,95 %<\/h2><\/header><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p><strong>Todo sobre los tipos de inter\u00e9s, los tipos de inter\u00e9s y la comparaci\u00f3n de tipos de inter\u00e9s<\/strong><\/p>\n<p>Gracias a un <a href=\"https:\/\/credxperts.angularity.de\/es\/comparacion-de-tipos-de-interes\/\">Comparaci\u00f3n de tipos de inter\u00e9s en toda Suiza, obtendr\u00e1 el mejor tipo de inter\u00e9s en credXperts.<\/a> Suiza: flexible, r\u00e1pida y transparente. <strong>Los tipos de inter\u00e9s efectivos oscilan entre 4,4 % y 9,95 %, en funci\u00f3n de su calificaci\u00f3n crediticia.<\/strong> Como nuestra corredur\u00eda de cr\u00e9dito es independiente, tenemos m\u00e1s margen de maniobra que los bancos de cr\u00e9dito tradicionales a la hora de fijar y comparar los tipos de inter\u00e9s.<\/p>\n<p class=\"translation-block\">Si desea beneficiarse de tasas de inter\u00e9s m\u00e1s favorables para un pr\u00e9stamo personal en comparaci\u00f3n con otros proveedores de cr\u00e9dito, perm\u00edtanos calcular el monto de su pr\u00e9stamo deseado. El plazo puede ser seleccionado entre <strong>6 y 120 meses.<\/strong><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1584116180125 vc_row-has-fill vc_row-has-padding-top vc_row-has-padding-bottom\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><header class=\"kd-section-title col-lg-12 text-center\" ><h2 class=\"separator_off\" style=\"color: #ffffff;font-size: 32px;\">Ahora solicite su cr\u00e9dito y calcule la tasa de inter\u00e9s efectiva.<\/h2><\/header>\n\t<div class=\"wpb_text_column wpb_content_element\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<p style=\"text-align: center;\"><span style=\"color: #ffffff;\">\u00a1Obtenga r\u00e1pidamente su cr\u00e9dito deseado y econ\u00f3mico con nosotros!<\/span><\/p>\n\n\t\t<\/div>\n\t<\/div>\n<a style=\"width: 360px;\" href=\"\/es\/solicitud-de-credito\/\"  target=\"_self\"  title=\"\" class=\"tt_button tt_primary_button btn_primary_color  button-center button-action-link  kd-animated fadeInUp\" data-animation-delay=\"200\"><span class=\"prim_text\">Solicite su cr\u00e9dito ahora.<\/span><\/a><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"Solicitud de pr\u00e9stamo CHF 0,0 Plazo 120 meses Cuota mensual de 5,8% a 9,95% Iniciar comparaci\u00f3n de cr\u00e9ditos Cembra Money Bank Tipo de inter\u00e9s efectivo anual de 7,95% a 9,95% Costes adicionales: No Importe del pr\u00e9stamo de 1.000 CHF a 250.000 CHF Costes mensuales de 0 CHF a 0 CHF Costes totales de 0 CHF a 0 CHF Solicitar ahora Bank-now Tipo de inter\u00e9s efectivo anual de 7,90% a 9,90% Costes adicionales: No Importe del pr\u00e9stamo de 1.000 <strong><a href=\"https:\/\/credxperts.angularity.de\/es\/zinsvergleich-2\/\">m\u00e1s...<\/a><\/strong>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-7627","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.0 - 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