{"id":14307,"date":"2022-04-16T23:00:00","date_gmt":"2022-04-16T23:00:00","guid":{"rendered":"https:\/\/senhorcarros.com\/?p=14307"},"modified":"2022-04-14T20:01:45","modified_gmt":"2022-04-14T20:01:45","slug":"financiamento-ou-carro-por-assinatura","status":"publish","type":"post","link":"https:\/\/senhorcarros.com\/es\/financiamento-ou-carro-por-assinatura\/","title":{"rendered":"Financiaci\u00f3n o suscripci\u00f3n de coche: \u00bfcu\u00e1l es m\u00e1s ventajoso?"},"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>Financiaci\u00f3n o suscripci\u00f3n de coche: \u00a1consulta antes de decidirte!<\/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=\"Qual \u00e9 mais vantajoso, financiamento ou carro por assinatura? Fonte: Unsplash.\"  id=\"14309\" src=\"https:\/\/cdn.adtechpanda.com\/965c6215-cfaf-4155-a7b3-e417dc449d80\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00bfQu\u00e9 es m\u00e1s ventajoso, la financiaci\u00f3n o el abono del coche? Fuente: Unsplash.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues bien, una de las consecuencias de la pandemia es que ha cambiado algunos h\u00e1bitos de la poblaci\u00f3n general. Y uno de ellos es en relaci\u00f3n a tener coche propio o no. Hoy en d\u00eda, si no deseas adquirir un veh\u00edculo, puedes optar por alquilar un coche mediante suscripci\u00f3n. \u00bfPero sabes cu\u00e1l es la opci\u00f3n m\u00e1s ventajosa entre financiaci\u00f3n y suscripci\u00f3n de coche?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues bien, si necesitas un coche, deber\u00edas analizar ambas alternativas. Cada uno de ellos tiene sus ventajas y desventajas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, uno de los cambios importantes que trajo la pandemia fue la implementaci\u00f3n del trabajo desde casa, debido al confinamiento que se impuso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Poco a poco la vida parece volver a la normalidad. Pero la mayor\u00eda de las empresas se han dado cuenta de que hacer que sus empleados trabajen desde casa puede aportar una serie de ventajas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, el coche ha dejado de ser una prioridad para muchas personas, ya que ha disminuido la necesidad de tener un coche a su disposici\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como resultado, los servicios de alquiler de coches por suscripci\u00f3n comenzaron a crecer y establecerse en el mercado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, por otro lado, existe la posibilidad de disponer de veh\u00edculo propio. A trav\u00e9s de financiaci\u00f3n es posible comprar el tuyo. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero ante este escenario, surgen dudas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfFinanciaci\u00f3n o alquiler de coches mediante suscripci\u00f3n? \u00bfCu\u00e1l es m\u00e1s ventajoso?<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Bueno, para responder a esta pregunta es necesario conocer los pros y los contras que ofrece cada opci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, depender\u00e1 de tus expectativas y prioridades. Es necesario analizar cu\u00e1l es la mejor opci\u00f3n para ti y tu bolsillo.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZcQ5vE\">\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\/conheca-financiamento-banco-pan\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Financiamiento de veh\u00edculos de Banco Pan: conoce m\u00e1s\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/6d089a90-a68e-4519-aff2-b7277f47d513\/\" alt=\"Logo Banco Pan\">\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\/conheca-financiamento-banco-pan\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Financiamiento de veh\u00edculos de Banco Pan: conoce m\u00e1s\">\n            Financiamiento de veh\u00edculos de Banco Pan: conoce m\u00e1s        <\/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            \u00bfQuieres financiar un coche, pero no sabes qu\u00e9 opciones hay disponibles? La financiaci\u00f3n de veh\u00edculos de Banco Pan es una buena alternativa: \u00a1descubre si es confiable aqu\u00ed!        <\/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\/conheca-financiamento-banco-pan\/\"  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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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\/conheca-financiamento-banco-pan\/\"  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\/6d089a90-a68e-4519-aff2-b7277f47d513\/\">          \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                Financiamiento de veh\u00edculos de Banco Pan: conoce m\u00e1s              <\/p>\n              <a href=\"https:\/\/senhorcarros.com\/es\/conheca-financiamento-banco-pan\/\"  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>Financiamiento de veh\u00edculos<\/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=\"Saiba como financiar seu carro pr\u00f3prio. Fonte: AdobeStock.\"  id=\"14314\" src=\"https:\/\/cdn.adtechpanda.com\/06205a1e-3904-443d-9b89-80522972fc4f\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubra c\u00f3mo financiar su propio coche. Fuente: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, conozcamos un poco m\u00e1s sobre qu\u00e9 es la financiaci\u00f3n y cu\u00e1les son sus pros y sus contras.<\/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>\u00bfQu\u00e9 es?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La financiaci\u00f3n de veh\u00edculos no es m\u00e1s que un pr\u00e9stamo. Las entidades financieras ofrecen esta opci\u00f3n a sus clientes, para que puedan adquirir su propio coche.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De esta forma, recibes el dinero para comprar el veh\u00edculo y pagas cuotas mensuales al banco hasta liquidar el pr\u00e9stamo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En algunas instituciones, estas cuotas pueden ser de hasta 60 meses.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero para calcular el importe a pagar, el banco considera el total del pr\u00e9stamo y el n\u00famero de cuotas. A esto se aplica el tipo de inter\u00e9s de financiaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esta tarifa se cobra para minimizar el riesgo de incumplimiento por parte del comprador.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, si elige financiaci\u00f3n, investigue para encontrar las mejores tasas de inter\u00e9s.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Averig\u00fcemos cu\u00e1les son las ventajas y desventajas de financiar la compra de tu propio coche.<\/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>Beneficios<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, con el dinero de la financiaci\u00f3n comprar\u00e1 un activo propio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tiene la ventaja de pagos mensuales potencialmente m\u00e1s bajos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Sin embargo, las tasas de inter\u00e9s est\u00e1n aumentando. La planificaci\u00f3n es necesaria para obtener una buena financiaci\u00f3n y tener tranquilidad.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra ventaja es que puedes conducir tu coche todo lo que quieras, sin preocuparte por las limitaciones de la franquicia.<\/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>Desventajas<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una de las desventajas es que el veh\u00edculo s\u00f3lo ser\u00e1 realmente tuyo despu\u00e9s de pagar todas las cuotas de financiaci\u00f3n. Hasta entonces, est\u00e1 alienado de la instituci\u00f3n financiera.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, no puedes revenderlo, por ejemplo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es m\u00e1s, tener tu propio veh\u00edculo en el garaje tambi\u00e9n significa que tendr\u00e1s que pagar todos los gastos. Desde mantenimientos, inspecciones y pago de impuestos, hasta regularizaci\u00f3n de documentaci\u00f3n, entre otras cosas.<\/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>Coches de suscripci\u00f3n<\/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=\"Saiba o que \u00e9 Carro por Assinatura. Fonte: AdobeStock.\"  id=\"14317\" src=\"https:\/\/cdn.adtechpanda.com\/7acb017a-0771-4a4a-8cf3-01a96ebc9630\/\" class=\"w-full object-cover object-center border mx-auto uploadcare-image\"\/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Descubra qu\u00e9 es un Coche de Suscripci\u00f3n. Fuente: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al fin y al cabo, \u00bfqu\u00e9 es un coche de suscripci\u00f3n? Siga a continuaci\u00f3n y haga sus preguntas.<\/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>\u00bfQu\u00e9 es?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pues bien, el servicio de alquiler de coches por suscripci\u00f3n es similar a un alquiler normal, pero con algunas particularidades.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Actualmente, no s\u00f3lo las empresas de alquiler ofrecen este servicio. Incluso los propios fabricantes de autom\u00f3viles ya est\u00e1n entrando en este mercado en expansi\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, pagas un alquiler mensual. Los plazos var\u00edan de 12 a 48 meses, dependiendo de la empresa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Luego deber\u00e1s elegir la marca, modelo, color y accesorios que deseas, como si compraras un coche en el concesionario.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, si alquilas a un fabricante de autom\u00f3viles, tendr\u00e1s el veh\u00edculo disponible r\u00e1pidamente. Pero si es una empresa de alquiler, ella se encargar\u00e1 de comprarte el coche.<\/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>Beneficios<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, en un contrato de arrendamiento por suscripci\u00f3n, tendr\u00e1s un coche nuevo a tu disposici\u00f3n en todo momento.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y si tienes algo de dinero disponible, no necesitar\u00e1s usarlo para comprar un coche. Puedes utilizarlo para saldar alguna deuda o incluso realizar una inversi\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra gran ventaja es que tu preocupaci\u00f3n se limita a conducir y pagar combustible, aparcamiento y peajes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Porque toda la documentaci\u00f3n, pago de impuestos, mantenimiento programado e inspecciones peri\u00f3dicas est\u00e1n incluidos en el contrato.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, cuentas con asistencia vehicular las 24 horas, auto de repuesto, entre otros beneficios.<\/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>Desventajas<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una desventaja de un coche de alquiler es que nunca lo poseer\u00e1. Aunque tienes la opci\u00f3n de compra al finalizar el contrato.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra desventaja a analizar es que con el alquiler por suscripci\u00f3n tienes limitaciones de kilometraje. Var\u00eda de 1.000 a 3.000 km y pagar\u00e1 una tarifa adicional por el kilometraje excedido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, dependiendo de la tarifa de alquiler mensual, es posible que incurras en un coste mayor por periodos m\u00e1s largos. En este caso, comprar un coche ser\u00eda m\u00e1s ventajoso.<\/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>Al fin y al cabo, \u00bfcu\u00e1l elegir: financiar o contratar un coche?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Muy bien, para poder responder a esta pregunta lo primero es hacer una buena planificaci\u00f3n de tus condiciones financieras. Tu decisi\u00f3n depender\u00e1 en gran medida del presupuesto que tengas.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otra cuesti\u00f3n importante a tener en cuenta es la finalidad de uso del veh\u00edculo. En otras palabras, cu\u00e1l es el per\u00edodo de uso necesario, con qu\u00e9 frecuencia y cu\u00e1nto se necesita durante el mes.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y como dec\u00edamos m\u00e1s arriba, tener tu propio coche implica tener que pagar varios gastos adicionales. Pero no tendr\u00e1s estos gastos al elegir un coche de suscripci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, debes considerar gastos con documentaci\u00f3n, impuestos, mantenimiento e inspecciones, si optas por adquirir tu propio veh\u00edculo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Mientras que con un coche de suscripci\u00f3n la \u00fanica preocupaci\u00f3n son los costes b\u00e1sicos.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En conclusi\u00f3n, tanto la financiaci\u00f3n como las suscripciones de coches tienen sus pros y sus contras. Como ya hemos dicho, tu situaci\u00f3n financiera real y tus necesidades definir\u00e1n tu decisi\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed que planifica bien. \u00c9l te garantizar\u00e1 mucho para tener el coche que necesitas. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Y si quieres conocer una buena opci\u00f3n para alquilar tu coche mediante suscripci\u00f3n, \u00a1consulta m\u00e1s informaci\u00f3n sobre Moove a continuaci\u00f3n!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZDFKAT\">\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\/conheca-moove-carro-por-assinatura\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra el coche MOOVE mediante suscripci\u00f3n \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/cdn.adtechpanda.com\/2081d72d-1c23-4c9c-a456-4ded309e129c\/\" alt=\"Logo MOOVE\">\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\/conheca-moove-carro-por-assinatura\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra el coche MOOVE mediante suscripci\u00f3n \">\n            Descubra el coche MOOVE mediante suscripci\u00f3n         <\/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            \u00bfQuieres saber todo sobre el servicio de coche por suscripci\u00f3n? \u00a1Descubre aqu\u00ed si vale la pena alquilar un coche mediante suscripci\u00f3n con Moove!        <\/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\/conheca-moove-carro-por-assinatura\/\"  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\/conheca-moove-carro-por-assinatura\/\"  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\/2081d72d-1c23-4c9c-a456-4ded309e129c\/\">          \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 el coche MOOVE mediante suscripci\u00f3n              <\/p>\n              <a href=\"https:\/\/senhorcarros.com\/es\/conheca-moove-carro-por-assinatura\/\"  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>","protected":false},"excerpt":{"rendered":"<p>Si necesitas un coche para desplazarte, puedes optar por tener tu propio coche o alquilar una suscripci\u00f3n. \u00bfPero cu\u00e1l de las alternativas es la mejor? \u00a1Mira las diferencias y elige la opci\u00f3n que mejor se adapte a ti!<\/p>","protected":false},"author":15,"featured_media":14318,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[66,70,67,877],"tags":[151,769,166,900],"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>Financiamento ou carro por assinatura: qual \u00e9 mais vantajoso? - Senhor Carros<\/title>\n<meta name=\"description\" content=\"Para escolher entre financiamento ou carro por assinatura considere gastos, burocracias, comodidades e op\u00e7\u00f5es de ve\u00edculos. 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