{"id":12125,"date":"2021-12-17T17:16:52","date_gmt":"2021-12-17T17:16:52","guid":{"rendered":"https:\/\/senhorcarros.com\/?p=12125"},"modified":"2021-12-17T17:16:55","modified_gmt":"2021-12-17T17:16:55","slug":"como-funciona-financiamento-de-veiculo","status":"publish","type":"post","link":"https:\/\/senhorcarros.com\/es\/como-funciona-financiamento-de-veiculo\/","title":{"rendered":"\u00bfC\u00f3mo funciona la financiaci\u00f3n de veh\u00edculos?"},"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<h2>\u00a1Descubre c\u00f3mo funciona financiar un veh\u00edculo sin dolores de cabeza!<\/h2>\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=\"Descubra aqui como funciona um financiamento de um ve\u00edculo. Fonte: Pexels.\"  id=\"12127\" src=\"https:\/\/cdn.adtechpanda.com\/79a8ee18-95d1-4caa-90b0-dd853f21b07c\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubre aqu\u00ed c\u00f3mo funciona la financiaci\u00f3n de veh\u00edculos. Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A la hora de comprar el veh\u00edculo con el que sue\u00f1as, el dinero que tienes a la mano puede no ser suficiente, as\u00ed que descubre qu\u00e9 es la financiaci\u00f3n de veh\u00edculos y c\u00f3mo funciona.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, la financiaci\u00f3n de veh\u00edculos no es m\u00e1s que un pr\u00e9stamo que realiza cualquier instituci\u00f3n bancaria a trav\u00e9s de un CDC (Cr\u00e9dito Directo al Consumo).<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, para obtener financiaci\u00f3n hay que acudir a un banco p\u00fablico o privado e informarse con un gestor sobre las condiciones para obtener financiaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El valor de la financiaci\u00f3n y las cuotas del pr\u00e9stamo depender\u00e1n del salario que recibas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, debes saber que adem\u00e1s de la financiaci\u00f3n, existen otras dos opciones en las que puedes pagar a plazos para adquirir el veh\u00edculo de tus sue\u00f1os: leasing y consorcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1S\u00edguenos aqu\u00ed y descubre c\u00f3mo funciona la financiaci\u00f3n de veh\u00edculos!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1QCBhp\">\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\/uber-ou-carro\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Aumento de los precios de la gasolina: \u00bfvale la pena usar Uber o tener un auto?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/0b7ca907-8d72-48a8-a197-4f87289a4426\/\" 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\/uber-ou-carro\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Aumento de los precios de la gasolina: \u00bfvale la pena usar Uber o tener un auto?\">\n            Aumento de los precios de la gasolina: \u00bfvale la pena usar Uber o tener un auto?        <\/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            \u00a1Descubre si vale la pena tomar un Uber o tener un auto hoy en d\u00eda y qu\u00e9 tener en cuenta al considerar la mejor opci\u00f3n para tu presupuesto!        <\/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\/uber-ou-carro\/\"  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? this.visible() : ''; window.anchorReady = true; }); if (document.getElementById('landing')) { setTimeout(() => { !window.anchorReady ? this.visible() : ''; window.anchorReady = true; }, 1 * 30000); }; } connect() { this.onShowAnchor(); document.addEventListener(\"scroll\", this.boundOnShowAnchor); } disconnect() { document.removeEventListener(\"scroll\", this.boundOnShowAnchor); } visible() { if (document.getElementById('av-offerwall__wrapper')) { setTimeout(() => this.visible(), 20000); return; } if (document.getElementById('av-fixed__bottomWrapper') && document.getElementById('av-fixed__bottomWrapper').style.display !== 'none') { this.getAnchorElement().style.marginBottom = '60px'; } if (!window.km2AnchorReady) { this.active = true; \/*this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-down');*\/ \/*this.getAnchorElement().classList.add('animate-show-up');*\/ \/*setTimeout(() => {*\/ \/*this.getAnchorElement().style.animation = \"\";*\/ this.getAnchorElement().classList.add('animate-show-up'); this.getAnchorElement().classList.remove('hidden'); this.setAnchorViews(this.anchorViews+1); setTimeout(() => this.closeAnchor(), 20000); this.active = false; \/*}, 10);*\/ } } invisible() { this.active = true; this.getAnchorElement().style.animation = \"none\"; this.getAnchorElement().classList.remove('animate-show-up'); this.getAnchorElement().classList.add('animate-show-down'); setTimeout(() => { this.getAnchorElement().style.animation = \"\"; setTimeout(() => { this.getAnchorElement().classList.add('hidden'); this.active = false; }, 800); }, 10); } onShowAnchor() { let anchorReady = false;  \/*if (!this.active && !anchorReady) { if (this.getAnchorViews() <= 3) { if (window.scrollY > this.getHeightBlock()) { if (!this.passed && !this.closed) { this.visible(); this.passed = true; } } else { if (this.passed) { this.invisible(); this.passed = false; } } } else { if (!this.getAnchorElement().classList.contains('close')) { this.getAnchorElement().classList.add('close'); if (window.scrollY < this.getHeightBlock()) { this.invisible(); } } } }*\/ } closeAnchor() { this.invisible(); 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\/uber-ou-carro\/\"  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\/0b7ca907-8d72-48a8-a197-4f87289a4426\/\">          \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                Aumento de los precios de la gasolina: \u00bfvale la pena usar Uber o tener un auto?              <\/p>\n              <a href=\"https:\/\/senhorcarros.com\/es\/uber-ou-carro\/\"  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><!--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>\u00bfQu\u00e9 es la financiaci\u00f3n de veh\u00edculos y c\u00f3mo funciona?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, como ya dijimos, puedes financiar tu veh\u00edculo de 03 formas: pr\u00e9stamo bancario, leasing y consorcio. \u00a1Entendamos a cada uno!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Con un pr\u00e9stamo bancario se negocia directamente con un gestor de una instituci\u00f3n bancaria el valor del financiamiento y las cuotas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Importante! \u00a1Presta atenci\u00f3n al tipo de financiaci\u00f3n que cobra el banco a la hora de elegir con cu\u00e1l contratar el pr\u00e9stamo, ya que este tipo influye directamente en el valor de las cuotas a pagar!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, una vez realizado el pr\u00e9stamo, el banco libera el dinero y puedes comprar el veh\u00edculo directamente al vendedor.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tenga en cuenta que el veh\u00edculo adquirido de esta forma no se puede comercializar hasta que se paguen todas las cuotas, ya que se vende al banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el leasing, se alquila el veh\u00edculo que es adquirido por una empresa de leasing, que tambi\u00e9n puede ser un banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, al finalizar las cuotas, te conviertes en propietario del veh\u00edculo sin tener que pagar nada m\u00e1s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y, sin embargo, tenemos el consorcio, que no es m\u00e1s que otra forma de comprar un veh\u00edculo pagando una cuota mensual.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, en el consorcio usted es parte de un grupo de miembros del consorcio a trav\u00e9s de un administrador del consorcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, en este caso, s\u00f3lo recibir\u00e1s el veh\u00edculo si resultas sorteado (se sortea un veh\u00edculo cada mes), si pujas por el coche o cuando se hayan pagado las cuotas del consorcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es importante destacar que en la forma de CDC o leasing, el valor de las cuotas es fijo. \u00a1En el consorcio, este valor puede variar dependiendo de la variaci\u00f3n en el valor del veh\u00edculo!<\/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>\u00bfCu\u00e1nto necesito ganar para financiar un veh\u00edculo?<\/h2>\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=\"Ent\u00e3o, quanto preciso ganhar para fazer o financiamento? Fonte: Pexels.\"  id=\"12129\" src=\"https:\/\/cdn.adtechpanda.com\/5e3eeb78-45a3-4100-a1ba-664a6bc833fe\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entonces, \u00bfcu\u00e1nto necesito ganar para obtener el financiamiento? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, el monto que podr\u00e1s financiar ser\u00e1 proporcional al valor de tu salario o ingreso mensual.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, el monto a financiar, por ley, debe ser de hasta 30% de tu salario o ingreso mensual.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, antes de buscar un banco para pedir un pr\u00e9stamo, debes elegir el veh\u00edculo que quieres adquirir cuyo valor se ajuste a tu presupuesto.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, por ejemplo, si su ingreso mensual es de 5.000 R$, la cuota mensual no puede exceder los 1.500 R$.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es importante recordar que, si tienes una reserva financiera que puedes realizar como pago inicial en la compra del veh\u00edculo, esto reducir\u00e1 el monto a financiar y, por tanto, la cuota a pagar.<\/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>\u00bfQu\u00e9 se necesita para aprobar la financiaci\u00f3n del veh\u00edculo?<\/h2>\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=\"Mas o que \u00e9 necess\u00e1rio para aprovar um financiamento de ve\u00edculo? Fonte: Pexels.\"  id=\"12128\" src=\"https:\/\/cdn.adtechpanda.com\/af25b175-6a12-4572-82d3-108ac32663f4\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Pero, \u00bfqu\u00e9 se necesita para aprobar la financiaci\u00f3n de veh\u00edculos? Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bueno, para poder ser aprobado para el financiamiento, es necesario cumplir con algunos requisitos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfY qu\u00e9 son? Contar con toda la documentaci\u00f3n requerida, no tener mala reputaci\u00f3n con la SPC o Serasa y, adem\u00e1s, el monto a financiar debe ser adecuado a tus ingresos mensuales.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, los documentos normalmente requeridos son: c\u00e9dula de identidad (RG), Registro Individual del Contribuyente (CPF), comprobante de estado civil y residencia. Adem\u00e1s, tambi\u00e9n se requiere documentaci\u00f3n que acredite sus ingresos, como recibo de sueldo, extractos bancarios y declaraci\u00f3n de impuesto sobre la renta.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, con todo en orden, podr\u00e1s conseguir financiaci\u00f3n para el veh\u00edculo que sue\u00f1as.<\/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>\u00bfCu\u00e1l es la mejor forma de financiar un veh\u00edculo?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, como ya mencionamos, existen algunas ventajas y desventajas en las diferentes formas de financiar un veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, entre otras, existen dos condiciones que diferencian el pr\u00e9stamo bancario, el leasing y el consorcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, en los pr\u00e9stamos y leasing bancarios, el valor de la cuota mensual es fijo y negociado en el momento de la contrataci\u00f3n y no var\u00eda hasta que se paga la \u00faltima cuota.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el consorcio, el valor de la cuota podr\u00e1 variar en funci\u00f3n de la variaci\u00f3n del precio del veh\u00edculo en el mercado. Por lo tanto, es probable que este valor aumente con el tiempo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra caracter\u00edstica m\u00e1s se refiere a la propiedad del veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Tambi\u00e9n en este caso los pr\u00e9stamos bancarios y el leasing se diferencian de los consorcios.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Porque, en el primer caso, ya tienes la posesi\u00f3n del veh\u00edculo nada m\u00e1s realizar la compra.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La diferencia entre ambos es que, en el caso de un pr\u00e9stamo bancario, el veh\u00edculo se vende al banco. En el leasing, alquilas el veh\u00edculo a una empresa de leasing.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, no podr\u00e1s cambiar el veh\u00edculo hasta que pagues todas las cuotas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En el consorcio s\u00f3lo tendr\u00e1s el veh\u00edculo si est\u00e1 incluido en el sorteo mensual, si pujas por el veh\u00edculo o cuando se hayan pagado las cuotas del consorcio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, en el consorcio se puede pagar hasta en 84 cuotas, mientras que los bancos suelen ofrecer financiaci\u00f3n en un plazo de entre 48 y 60 meses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, en el caso de un consorcio, la cuota podr\u00e1 ser menor y caber en el bolsillo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero si quiere tener el coche de sus sue\u00f1os en su garaje lo antes posible, un consorcio no es una buena opci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora ya conoces las diferencias entre los tipos de financiaci\u00f3n de veh\u00edculos. Por tanto, \u00a1elige la modalidad que m\u00e1s se adapte a tus necesidades!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Y contin\u00faa leyendo sobre el mundo del autom\u00f3vil a continuaci\u00f3n!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-tPnV8\">\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\/carros-1-0-mais-caros-do-brasil\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra el Top 10 de los coches 1.0 m\u00e1s caros de Brasil\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/cebf40f2-f839-4259-a9bf-ca29e81bdee5\/\" alt=\"Pessoa olhando pap\u00e9is com computador e calculadora\">\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\/carros-1-0-mais-caros-do-brasil\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra el Top 10 de los coches 1.0 m\u00e1s caros de Brasil\">\n            Descubra el Top 10 de los coches 1.0 m\u00e1s caros de Brasil        <\/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            Consulte los diez autos 1.0 m\u00e1s caros de Brasil y descubra cu\u00e1nto cuesta cada uno de ellos antes de comprar su veh\u00edculo. \u00a1Sepa mas!        <\/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\/carros-1-0-mais-caros-do-brasil\/\"  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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Sepa que puede hacer realidad su sue\u00f1o a trav\u00e9s de la financiaci\u00f3n. Te revelamos aqu\u00ed todos los detalles para que sepas c\u00f3mo funciona la financiaci\u00f3n de un veh\u00edculo. \u00a1Verificar!<\/p>","protected":false},"author":15,"featured_media":12126,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[66,68,71,70,67],"tags":[519,93,520,88,166,521],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como funciona um financiamento de um ve\u00edculo? - Senhor Carros<\/title>\n<meta name=\"description\" content=\"Quer comprar um carro e precisa de financiamento, mas n\u00e3o sabe como fazer? 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