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?Cuanto tarda en hacerse efectivo el credito?

Puede ir desde minutos a unas 48-72h dependiendo de a donde deba ir el dinero. Las empresas que ofrecen creditos urgentes suelen tener varias cuentas en diferentes entidades bancarias (en las mas utilizadas) para que, si coincides en alguna de ellas, tu ingreso de los creditos rapidos sea efectivo en minutos.

Ahora bien, si tu cuenta corriente se encuentra en otro banco de los que no tienen cuenta, tardara lo que suele tardar una transferencia desde otro banco, de 48 a 72 horas.

?Que pasa si no lo devuelvo en el tiempo acordado?

Cada empresa aplicara una u otra normativa, por ello son entidades financieras privadas. No obstante, como hemos dicho antes, son muy flexibles en la gestion de los prestamos rapidos, con lo que es recomendable ponerse en contacto directamente con la entidad si se da la situacion de que no se puede devolver el credito. Seguro que te ofreceran alternativas altamente gratificantes para ti y tu dinero.

Hay que tener en cuenta que, si no se recurre a ponerse en contacto, se empezaran a aplicar intereses extra (dependiendo de cada empresa) asi como pueden inscribirte en listas de morosidad si no contestas ni realizas ninguna accion.

Es por ello que te recomendamos que hables con la empresa prestamista para regularizar tu situacion y adecuarla de manera que ambos salgais ganando.

Beneficios de los creditos rapidos

Para finalizar, es recomendable destacar porque es la mejor opcion un credito rapido.

Primero, por su rapidez. En minutos puedes gozar de tu prestamo.

Segundo, por la flexibilidad que te ofrece el prestamista, mucho mas alta que la de cualquier entidad financiera ordinaria.

Y en tercer lugar, los pocos requisitos que debes cumplir para solicitarlos.

Es el tipo de producto financiero ( prestamos rapidos ) mas recomendado en situaciones de emergencia como gastos inminentes o imprevistos.

Si se hace mediante llamada telefonica, la respuesta es inmediata. Tambien puedes hacerlo online, ya que todas las empresas que ofrecen este producto financiero tienen una calculadora en su propia web donde simular tus prestamos rapidos. Una vez hayas elegido el tiempo y la cantidad, es tan facil como cumplimentar un formulario y enviarlo. En unas horas tendras tu respuesta.

No es asi en los prestamos ordinarios, donde se lleva un estudio previo de tu perfil crediticio, se analizan los avales que propongas, tus entradas y salidas de dinero en los ultimos seis meses…

Si te preguntas porque son tan urgentes estos creditos rapidos es por los importes que se pueden solicitar. Normalmente oscilan desde los 200 hasta los 3.000€. Con menor cuantia, menor riesgo para la empresa financiera, por lo que los requisitos seran obviamente menores que para alguien que solicite un prestamo de 50.000€.

No es necesario avalar con un inmueble o un aval bancario, como suele pasar con los prestamos online, simplemente con tener una fuente de ingresos (por pequena que sea) y no estar en listas de morosidad como la popular ASNEF es suficiente.

Cuando solicitar un credito rapido

Hay que tener en cuenta que estos prestamos rapidos tambien son urgentes en su devolucion, es decir, que el plazo suele rondar de los 30 a los 60 dias (hay excepciones). Con ello, hay que tener presente en que en un mes deberemos abonar la cantidad solicitada mas los intereses aplicables.

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Por este motivo, no es recomendable endeudarse a base de creditos rapidos. Se debe controlar que podremos devolverlos sin demora (si existe, se aplicarian intereses extra).

Estan orientados a personas que necesiten liquidez de inmediato. Esto ocurre cuando surge un imprevisto y no lo podemos afrontar con nuestros ingresos habituales. Solo en este caso es adecuado solicitar prestamos rapidos. Debes tener presente que el tipo de interes sera mas elevado que el de un prestamo habitual, ya que cumple con una urgencia, se suministra con urgencia y se devuelve en un corto periodo de tiempo.

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