{"id":349,"date":"2023-03-20T18:16:29","date_gmt":"2023-03-20T23:16:29","guid":{"rendered":"http:\/\/castiero.com\/?p=349"},"modified":"2025-08-27T16:42:01","modified_gmt":"2025-08-27T21:42:01","slug":"sobreendeudamiento","status":"publish","type":"post","link":"https:\/\/castiero.com\/en\/2023\/03\/20\/sobreendeudamiento\/","title":{"rendered":"Sobreendeudamiento"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"349\" class=\"elementor elementor-349\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d6d3aca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d6d3aca\" data-element_type=\"section\" data-settings=\"{&quot;shape_divider_top&quot;:&quot;wave-brush&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 283.5 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d=\"M75.5,12.6c0.2,0.1,2-0.8,4.3-1.1c2.3-0.2,2.1-0.3,2.1-0.5c0-0.1-1.8-0.4-3.4,0\tC76.9,11.5,75.3,12.5,75.5,12.6z\"\/>\n\t<path class=\"elementor-shape-fill\" d=\"M15.6,13.2c0-0.1,4.3,0,6.7,0.5c2.4,0.5,5,1.9,5,2c0,0.1-2.7-0.8-5.1-1.4\tC19.9,13.7,15.7,13.3,15.6,13.2z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0e2ff10\" data-id=\"0e2ff10\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1475792 elementor-widget elementor-widget-spacer\" data-id=\"1475792\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b514884 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"b514884\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sobreendeudamiento.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1ae6f3c6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1ae6f3c6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-54339b2b\" data-id=\"54339b2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bd3a672 elementor-widget elementor-widget-text-editor\" data-id=\"1bd3a672\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\"><strong>\u00bfHas escuchado de los servicios financieros?<\/strong><\/span><\/p><p><span style=\"font-weight: 400;\"> Son aquel tipo de servicios que te ofrece, por ejemplo, una entidad bancaria; aunque hay varios tipos de servicios financieros, uno especialmente nos llama la atenci\u00f3n en la temprana edad: los cr\u00e9ditos. Son b\u00e1sicamente pr\u00e9stamos o fuentes de financiaci\u00f3n. Normalmente se utilizan para el consumo, para la adquisici\u00f3n de viviendas o de veh\u00edculos, o para financiar estudios.<\/span><\/p><p><span style=\"font-weight: 400;\">De hecho, los cr\u00e9ditos o pr\u00e9stamos son servicios cumplen una funci\u00f3n social importante y son realmente \u00fatiles cuando se saben aprovechar. Sin embargo, la juventud muchas veces se caracteriza por su inexperiencia y alguien joven puede llegar a solicitar cr\u00e9ditos sin saber muy bien c\u00f3mo corresponder a las obligaciones financieras que se adquiere.<\/span><\/p><p><span style=\"font-weight: 400;\">Adem\u00e1s, no son pocas las entidades bancarias que promocionan sus servicios financieros omitiendo cierta informaci\u00f3n relevante, como el valor de las cuotas mensuales, la tasa de inter\u00e9s o el plazo. De modo que quien solicita un cr\u00e9dito se ve tentado por el dinero que conseguir\u00e1, sin darle la importancia necesaria a la informaci\u00f3n que es crucial para mantener el bienestar financiero deseado en la juventud.<\/span><\/p><p><span style=\"font-weight: 400;\">No es raro que los j\u00f3venes adquieran deudas que finalmente se hacen impagables por distintas razones. La soluci\u00f3n aparente es la refinanciaci\u00f3n de tales deudas, pero si no se cuenta con una planificaci\u00f3n consciente se persiste en el error y s\u00f3lo se consigue llegar a una situaci\u00f3n financiera todav\u00eda m\u00e1s desventajosa. Esto inevitablemente repercutir\u00e1 en su calidad de vida.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Si est\u00e1s por solicitar un cr\u00e9dito y no quieres cometer este error, recuerda siempre preguntar todos los detalles respecto al cr\u00e9dito que piensas adquirir. Es importante que tambi\u00e9n consideres tu situaci\u00f3n financiera actual y al corto y mediano plazo. As\u00ed, sabiendo cu\u00e1les son tus ingresos, cu\u00e1les son tus gastos y qu\u00e9 significa la obligaci\u00f3n financiera que adquieres, puedes tomar una decisi\u00f3n acertada. No olvides que buen un historial crediticio te ofrecer\u00e1 grandes beneficios en el futuro.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\"><strong>Camilo Camargo Gonz\u00e1lez.<\/strong><br \/><strong>Profesional en Filosof\u00eda y Letras.<\/strong><br \/><strong>Universidad de Caldas<\/strong>.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-21a60f5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"21a60f5\" data-element_type=\"section\" data-settings=\"{&quot;shape_divider_bottom&quot;:&quot;wave-brush&quot;}\">\n\t\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 283.5 27.8\" preserveaspectratio=\"none\">\n\t<path 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