{"id":10282,"date":"2021-07-24T09:01:00","date_gmt":"2021-07-24T09:01:00","guid":{"rendered":"https:\/\/senhorcarros.com\/?p=10282"},"modified":"2021-07-23T00:55:07","modified_gmt":"2021-07-23T00:55:07","slug":"consorcio-ou-financiamento","status":"publish","type":"post","link":"https:\/\/senhorcarros.com\/es\/consorcio-ou-financiamento\/","title":{"rendered":"\u00bfConsorcio o financiaci\u00f3n? \u00bfCu\u00e1l es la mejor opci\u00f3n para comprar tu coche?"},"content":{"rendered":"<!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>\u00bfConsorcio o financiaci\u00f3n? La respuesta definitiva <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A la hora de adquirir veh\u00edculos, los brasile\u00f1os tienen a su disposici\u00f3n una serie de alternativas para llevar un coche al taller, pero dos terminan siendo las favoritas del gran p\u00fablico. Para darle una respuesta definitiva sobre consorcio o <a style=\" color:;\" href=\"https:\/\/senhorcarros.com\/es\/como-fazer-financiamento-de-veiculos\/\">financiaci\u00f3n<\/a>, nuestros expertos aportan todos los puntos sobre cada una de estas modalidades.\u00a0<\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"image\"  id=\"10283\" src=\"https:\/\/ucarecdn.com\/6f5efa0c-4659-48bd-b4b6-557be71321c0\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" ><\/figcaption><\/figure>\n<\/div><!--image--><div class=\"wp-block-lazyblock-cta lazyblock-cta-1LidSq\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra todo sobre el arrendamiento\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/34b5d3c8-d9bf-4f5c-a9cb-a06e01161e26\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra todo sobre el arrendamiento\">\n            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type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { 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this.getAnchorElement().classList.add('close'); this.closed = true; } getAnchorElement() { return this.lazyBlockAnchorTargets[0]; } getAnchorViews() { this.anchorViews = parseInt(sessionStorage.getItem(\"anchorViews\")) >= 1 ? parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/cdn.adtechpanda.com\/34b5d3c8-d9bf-4f5c-a9cb-a06e01161e26\/\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                Descubra todo sobre el arrendamiento              <\/p>\n              <a href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Sigue leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Seguir\u00e1s en el mismo lugar              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hoy, los consumidores brasile\u00f1os eligen b\u00e1sicamente dos opciones a la hora de comprar un autom\u00f3vil a plazos: consorcio o financiaci\u00f3n.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Probablemente ya te hayas parado a pensar cu\u00e1l de los dos ser\u00eda mejor, \u00bfverdad?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La respuesta que dan nuestros expertos a este tipo de preguntas es: depende del objetivo del comprador.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, la respuesta a esta sencilla ecuaci\u00f3n se reduce a dos matices importantes: coste y tiempo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el art\u00edculo de hoy (intentaremos) responder a esta cruel pregunta que atormenta a la mayor\u00eda de las personas que quieren comprar un veh\u00edculo.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Consorcio o financiaci\u00f3n: Un an\u00e1lisis racional <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cuando le haces este tipo de preguntas a un matem\u00e1tico o a un economista, te dir\u00e1n que ninguna de las opciones es buena.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Que lo ideal es ahorrar para comprar el auto al contado con efectivo en mano, que la mejor opci\u00f3n es una buena planificaci\u00f3n financiera y que hay que tener paciencia y reevaluar si realmente es necesario comprar el auto a trav\u00e9s de un consorcio o financiamiento.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, la misma vieja letan\u00eda.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero cuando el bien a adquirir es algo de alto valor, pocas personas podr\u00e1n tener el dinero para ahorrar y comprarlo todo al contado, por lo que recurrir a un consorcio o financiaci\u00f3n es algo que, en la jerga popular, muchos dir\u00edan: es parte de ello.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vea el siguiente ejemplo: Una casa que es un activo habitacional y algo costosa necesita una <a style=\" color:;\" href=\"https:\/\/senhorcarros.com\/es\/os-14-melhores-consorcios-de-carro-online\/\">financiaci\u00f3n<\/a> o de un consorcio para ser adquirido, y lo mismo sigue siendo v\u00e1lido cuando hablamos de un coche.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Despu\u00e9s de esta introducci\u00f3n, te mostraremos qu\u00e9 tener en cuenta en cada una de estas dos opciones. \u00bfVamonos?<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Comprender c\u00f3mo funciona el consorcio <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El consorcio est\u00e1 formado por un grupo de personas que se unen con un mismo objetivo. En ese caso, c\u00f3mprate un coche.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta manera, los consumidores utilizan un administrador para ahorrar dinero para una compra, cuando hay fondos, en consecuencia hay compra.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Popularmente, el consorcio es un crowdfunding colectivo. Se trata de una compra planificada para quienes realizan una planificaci\u00f3n financiera y no tienen prisa ni urgencia inmediata por tener el coche.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un punto importante del consorcio es que no tiene intereses, sino una comisi\u00f3n administrativa que se cobra durante todo el per\u00edodo de participaci\u00f3n del cliente.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hoy en d\u00eda, este valor administrativo no llega a los 0,2% mensuales, pero para quienes tienen planificaci\u00f3n financiera, es algo que hay que tener en cuenta.\u00a0<\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Cons\u00f3rcio \u00e9 para quem n\u00e3o tem pressa\"  id=\"10284\" src=\"https:\/\/ucarecdn.com\/9ccb93d5-452a-4109-b9ff-180e418cc576\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >El consorcio es para los que no tienen prisa.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el caso del consorcio, el cliente est\u00e1 incluido, es decir, recibe la carta de cr\u00e9dito por el valor del bien elegido mediante suerte o puja, como en una subasta de veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Estos dos procesos ocurren una vez al mes. Incluso hay administradores de consorcios que aceptan veh\u00edculos usados como ofertas, lo que puede facilitar la vida a quienes buscan un consorcio para intercambiar coches.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, como en cualquier tipo de negociaci\u00f3n en Brasil, no todo es color de rosa.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para tomar precauciones y evitar problemas, el consumidor, antes de incorporarse a cualquier consorcio, debe acceder al sitio web del Banco Central y verificar si el administrador del consorcio est\u00e1 autorizado por la instituci\u00f3n.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el sitio web del Banco Central tambi\u00e9n es posible consultar cu\u00e1ntas quejas tiene la empresa del consorcio.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y tambi\u00e9n alertamos de una nueva estafa en el mercado de los consorcios: la venta de cuotas cubiertas, algo que sencillamente no existe.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Consejo de experto sobre el consorcio de dinero y coches<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Aqu\u00ed te dejamos un consejo interesante: si tu objetivo es ahorrar dinero para comprar un auto, puedes, en lugar de pagar las cuotas a un consorcio, poner tu dinero en alg\u00fan tipo de inversi\u00f3n cada mes.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Puede ser un CDB, un CDI, LCA, LCI o incluso viejos ahorros. Todas estas opciones generan alg\u00fan tipo de ingreso financiero.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si tiene mucha mala suerte y no quiere ofertar por el consorcio, esta opci\u00f3n de inversi\u00f3n es v\u00e1lida, ya que no hay ninguna tarifa de administraci\u00f3n en el consorcio.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si s\u00f3lo eres seleccionado al final del consorcio, habr\u00e1s gastado m\u00e1s dinero del que podr\u00edas haber ahorrado.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora que os hemos mostrado todo sobre el consorcio, llega el momento de hablar de financiaci\u00f3n.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Saber c\u00f3mo funciona la financiaci\u00f3n <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para continuar con el tema: consorcio o <a style=\" color:;\" href=\"https:\/\/senhorcarros.com\/es\/comprar-carro-de-leilao-de-financiamento\/\">financiaci\u00f3n<\/a>, ahora toca hablar de la segunda opci\u00f3n.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Un punto importante de esta forma de compra es que tiene una gran ventaja frente al consorcio: la posesi\u00f3n inmediata del veh\u00edculo. Sin embargo, esto tiene un precio, \u00a1que suele ser m\u00e1s caro!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Podemos decir que existen tres tipos de financiaci\u00f3n.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El primero de ellos es el m\u00e1s com\u00fan, en el que la instituci\u00f3n financiera otorga cr\u00e9dito a tasas de inter\u00e9s normales del mercado.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tambi\u00e9n hay consorcios subvencionados por los fabricantes, con tipos m\u00e1s bajos y en ocasiones especiales incluso con tipo cero.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y por \u00faltimo, existe una financiaci\u00f3n que garantiza la recompra del veh\u00edculo. En esta \u00faltima opci\u00f3n, el cliente normalmente utiliza su propio coche para cambiarlo por otro veh\u00edculo nuevo.<\/p>\n<\/div><!--image--><div class=\"px-5 sm:px-0 w-full sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-uploadcare-image\"><img loading=\"lazy\" alt=\"Financiamento \u00e9 para quem tem pressa\"  id=\"10285\" src=\"https:\/\/ucarecdn.com\/ab6af048-8757-40b2-8064-e9e59bb1b183\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >La financiaci\u00f3n es para los que tienen prisa<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esta operaci\u00f3n de recompra es muy utilizada en otros pa\u00edses. Es muy similar al arrendamiento operativo.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es una ventaja, ya que el cliente siempre dispone de un coche nuevo en un corto periodo de tiempo, dependiendo directamente de su capacidad econ\u00f3mica.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A la hora de optar por una financiaci\u00f3n, el consumidor siempre debe mirar m\u00e1s all\u00e1 del tipo que cobran los bancos o entidades financieras, esta mirada m\u00e1s all\u00e1 del llamado Coste Efectivo de Transacci\u00f3n, el famoso CET.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El AEC incluye tasas e impuestos cobrados en la transacci\u00f3n financiera.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para evitar confusiones y exceso de informaci\u00f3n sobre intereses y CET, lo que realmente importa es el valor final de la cuota de financiaci\u00f3n.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si el cliente, por ejemplo, quiere comprar un coche por valor de 30.000 rands y tiene 10.000 rands en la cuenta para hacer el pago inicial, debe observar cu\u00e1nto ser\u00e1 la cuota y comparar.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es b\u00e1sicamente lo que hace la gente cuando va a comprar un televisor o un frigor\u00edfico, es decir, compara cu\u00e1nto puede pagar.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h3>Consejos de expertos sobre dinero y financiaci\u00f3n de autom\u00f3viles <\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Toda financiaci\u00f3n requerir\u00e1 un determinado porcentaje de <a style=\" color:;\" href=\"https:\/\/senhorcarros.com\/es\/comprar-carro-sem-dar-entrada\/\">Prohibido<\/a>, esta es una forma de garant\u00eda y amortizaci\u00f3n de cuotas.\u00a0<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La financiaci\u00f3n es conocida por sus altas tasas de inter\u00e9s. Por lo tanto, cuanto m\u00e1s larga sea tu financiaci\u00f3n, m\u00e1s intereses pagar\u00e1s.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Hay situaciones en las que pagas hasta el doble del valor del coche. Por tanto, observa todo con mucha calma y serenidad antes de entrar en financiaci\u00f3n definitivamente.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>La respuesta final: \u00bfConsorcio o financiaci\u00f3n? <\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Despu\u00e9s de todo esto, llega el momento del veredicto final, \u00bfcu\u00e1l es la mejor opci\u00f3n a la hora de comprar un coche: consorcio o financiaci\u00f3n?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces vayamos a la respuesta directa:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfNecesitas un coche lo antes posible? Nuestra recomendaci\u00f3n es la financiaci\u00f3n, aunque tiene un coste mayor, incluso con tipos de inter\u00e9s a la baja.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfNo tienes prisa y tienes una fecha l\u00edmite para planificar? Entonces, \u00a1elige el consorcio!&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En definitiva, todo depende de la realidad y situaci\u00f3n actual de cada uno.&nbsp;<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2>Conclusi\u00f3n<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora que ya sabes elegir entre consorcio o financiaci\u00f3n, \u00bfqu\u00e9 tal si te informas de alguna modalidad en la que puedas alquilar el veh\u00edculo por un per\u00edodo determinado y al finalizar el alquiler optar por comprar el coche?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto es arrendamiento. Una opci\u00f3n que, aunque ha ca\u00eddo en desuso, pueden utilizarla quienes gustan y necesitan los coches, pero no est\u00e1n tan pegados f\u00edsicamente a los veh\u00edculos.&nbsp;<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Para conocer m\u00e1s sobre esta modalidad, \u00a1solo necesitas hacer clic a continuaci\u00f3n!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z28xHzy\">\n  <section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n    <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n      <div class=\"w-24 h-full\"><\/div>\n    <\/div>\n    <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n    \n              <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra todo sobre el arrendamiento\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/34b5d3c8-d9bf-4f5c-a9cb-a06e01161e26\/\" alt=\"\">\n          <\/div>\n        <\/a>\n            <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n        <a href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra todo sobre el arrendamiento\">\n            Descubra todo sobre el arrendamiento        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            Descubre qu\u00e9 es el leasing, c\u00f3mo funciona y por qu\u00e9 puede ser una gran opci\u00f3n para ti.         <\/p>\n        <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n          <a class=\"inline-flex items-center\" href=\"https:\/\/senhorcarros.com\/es\/leasing-de-carros\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Sigue leyendo            <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n              <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n            <\/svg>\n          <\/a>\n        <\/div>\n      <\/div>  \n          \n    <\/div>\n      <script type=\"module\"> function waitFor(conditionFunction) { const poll = resolve => { if(conditionFunction()) resolve(); else setTimeout(_ => poll(resolve), 400); }; return new Promise(poll); } import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\"; let Stimulus = Application.start(); Stimulus.register(\"anchor\", class extends Controller { static get targets() { return [ \"lazyBlock\", \"lazyBlockAnchor\" ]; } initialize() { this.active = false; this.passed = false; this.closed = false; this.anchorViews = 0; this.boundOnShowAnchor = this.onShowAnchor.bind(this); window.anchorReady = window.anchorReady || false; waitFor(_ => (window.scrollY > this.getHeightBlock() && !this.active)) .then(_ => { !window.anchorReady? 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