{"id":81627,"date":"2021-12-23T14:20:59","date_gmt":"2021-12-23T14:20:59","guid":{"rendered":"https:\/\/www.asufin.com\/?page_id=81627"},"modified":"2022-06-21T05:40:03","modified_gmt":"2022-06-21T05:40:03","slug":"comissions-bancaries","status":"publish","type":"page","link":"https:\/\/staging.asufin.com\/staging\/ca\/reclama-cat\/comissions-bancaries\/","title":{"rendered":"Comisiones Bancarias"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"81627\" class=\"elementor elementor-81627\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-eed2bf9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eed2bf9\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-2d67a12e\" data-id=\"2d67a12e\" 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-3497592c elementor-widget elementor-widget-heading\" data-id=\"3497592c\" 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<p class=\"elementor-heading-title elementor-size-default\">Comissions Banc\u00e0ries<\/p>\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-d911b52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d911b52\" 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-1d7f382\" data-id=\"1d7f382\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-ab5372d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ab5372d\" 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-50 elementor-top-column elementor-element elementor-element-96892f1\" data-id=\"96892f1\" 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-1449565 elementor-widget elementor-widget-text-editor\" data-id=\"1449565\" 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>Les\u00a0<strong>comissions banc\u00e0ries s\u00f3n lliures<\/strong> per\u00f2 han d&#8217;estar pactades amb el client i correspondre a serveis expressament sol\u00b7licitats i efectivament prestats o despeses que hi hagin hagut (transfer\u00e8ncies, canvi de divises, administrar un compte, targeta de cr\u00e8dit\u2026).\u00a0<\/p><p>No obstant aix\u00f2, existeixen\u00a0<strong>comissions que s&#8217;han declarat nul\u00b7les en els tribunals per la seva opacitat i falta de transpar\u00e8ncia<\/strong>, perqu\u00e8 suposen una duplicitat de c\u00e0rrecs o perqu\u00e8 no corresponen a cap servei concret.<\/p><p>Aix\u00ed mateix, cal destacar la possibilitat que tenen les entitats financeres de <strong>modificar la quantia de les seves comissions o la periodicitat de la seva liquidaci\u00f3<\/strong>, aix\u00f2 s\u00ed, complint unes concretes exig\u00e8ncies: comunicaci\u00f3 individualitzada al client amb almenys<strong> 2 mesos de preav\u00eds.<\/strong><\/p><p>D&#8217;altra banda, la <strong>Circular 2\/2019<\/strong> va generar noves obligacions informatives per a les entitats, amb la finalitat de permetre la comparabilitat de les comissions que afecten els serveis associats a comptes de pagament. En concret, s&#8217;exigeix a les entitats que utilitzin una terminologia i uns documents normalitzats en tota la informaci\u00f3 que facilitin al client, tant en fase precontractual com contractual, tot aix\u00f2 perqu\u00e8 <strong>els consumidors puguin f\u00e0cilment comparar les condicions ofertes per diverses entita<\/strong><b>ts <\/b>i aix\u00ed triar l&#8217;opci\u00f3 que millor s&#8217;ajusti a les seves necessitats<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14109f2 elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"14109f2\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/signup\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">RECLAMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9ff5fd3\" data-id=\"9ff5fd3\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;slideshow&quot;,&quot;background_slideshow_gallery&quot;:[],&quot;background_slideshow_loop&quot;:&quot;yes&quot;,&quot;background_slideshow_slide_duration&quot;:5000,&quot;background_slideshow_slide_transition&quot;:&quot;fade&quot;,&quot;background_slideshow_transition_duration&quot;:500}\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-1be9c39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1be9c39\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-079e7a6\" data-id=\"079e7a6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-e752852 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e752852\" 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-50 elementor-top-column elementor-element elementor-element-9989c9b\" data-id=\"9989c9b\" 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-8a69cbe elementor-tablet-align-left elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8a69cbe\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Estudis ASUFIN: comissions banc\u00e0ries<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/ESTUDIO_COMISIONES_MARZO_2020.pdf\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Descarregar estudi complet<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Banc d'Espanya<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-check-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Glossari Comissions banc\u00e0ries<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-1c953c1\" data-id=\"1c953c1\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-80a0e41 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"80a0e41\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-bfd1a66\" data-id=\"bfd1a66\" 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-1a49904 elementor-widget elementor-widget-text-editor\" data-id=\"1a49904\" 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 style=\"text-align: left;\"><span style=\"color: #ffffff;\"><b>Com <\/b>reclamar?<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e5bff9 elementor-widget elementor-widget-text-editor\" data-id=\"6e5bff9\" 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>A ASUFIN tenim formularis de reclamaci\u00f3 gratu\u00efts per als nostres socis (simpatitzants, adherits o plens). Moltes vegades l&#8217;entitat retorna els diners amb la mera reclamaci\u00f3 al servei d&#8217;atenci\u00f3 al client (SAC) o, en el seu cas, al Banc d&#8217;Espanya.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e85bcf3 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"e85bcf3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/staging.asufin.com\/staging\/contacto\/\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">CONTACTA'NS<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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-5354b861 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5354b861\" 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-68aa5f5e\" data-id=\"68aa5f5e\" 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-5c7fc74 elementor-widget elementor-widget-toggle\" data-id=\"5c7fc74\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9691\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-9691\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comissi\u00f3 d'Obertura<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9691\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-9691\"><p><span style=\"font-weight: 400;\">Comissi\u00f3 que retribueix a l&#8217;entitat per les <strong>gestions administratives realitzades per a formalitzar una operaci\u00f3<\/strong> (v\u00edd. <\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Comision_de_apertura.html?producto=\/webcb\/ServiciosProductosBancarios\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banc d&#8217;Espanya<\/span><\/a><span style=\"font-weight: 400;\">). La m\u00e9s comuna \u00e9s la d&#8217;obertura de pr\u00e9stec hipotecari, que normalment es tracta d&#8217;un percentatge sobre l&#8217;import de l&#8217;operaci\u00f3, amb un m\u00ednim. Hi ha\u00a0tribunals que consideren que nom\u00e9s es justifica si l&#8217;entitat acredita que s&#8217;ha realitzat una prestaci\u00f3 efectiva d&#8217;un servei d&#8217;estudi, de tramitaci\u00f3 administrativa i d&#8217;obtenci\u00f3 de fons i posada a la disposici\u00f3 del client, ajustant-se aix\u00ed a la Circular 5\/2012 del Banc d&#8217;Espanya.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9692\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-9692\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Comissi\u00f3 de Cancel\u00b7laci\u00f3 Anticipada<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9692\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-9692\"><p><span style=\"font-weight: 400;\">Comissi\u00f3 que retribueix els tr\u00e0mits administratius corresponents a les actuacions que ha de realitzar l&#8217;entitat per a posar fi a una operaci\u00f3 que tenia un termini definit de durada abans de que arribi el venciment pactat en el contracte (v\u00edd. <\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Comision_de_can_f12a5c9809cbe51.html?producto=\/webcb\/ServiciosProductosBancarios\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banc d&#8217;Espanya<\/span><\/a><span style=\"font-weight: 400;\">). <strong>Compensa a l&#8217;entitat pel que deixa de guanyar al no poder continuar cobrant interessos o comissions.<\/strong><\/span><\/p><div class=\"traductor-textarea form-group\"><div class=\"textarea-desti col-xs-12 col-sm-6\"><div class=\"form-control second-textarea\">En la nostra opini\u00f3, es genera una duplicitat amb la comissi\u00f3 de compensaci\u00f3 de risc de tipus d&#8217;inter\u00e8s.<\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9693\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-9693\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Comissi\u00f3 Compensaci\u00f3 de Risc de Tipus d'Inter\u00e8s<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9693\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-9693\"><p><span style=\"font-weight: 400;\">Comissi\u00f3 pactada que dep\u00e8n de si la cancel\u00b7laci\u00f3 genera un guany o una p\u00e8rdua de capital a l&#8217;entitat (v\u00edd. <\/span><a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/menu-horizontal\/productosservici\/relacionados\/comisiones\/comisionesproduc\/Compensacion_po_382a5c9809cbe51.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Banc d&#8217;Espanya<\/span><\/a><span style=\"font-weight: 400;\">). <strong>Aquesta compensaci\u00f3 s&#8217;est\u00e0 aplicant en pr\u00e0cticament la totalitat de les\u00a0hipoteques fixes i mixtes, aconseguint\u00a0un 5% d&#8217;inter\u00e8s.<\/strong><\/span><\/p><p>La normativa ha evolucionat en els \u00faltims anys, depenent de la data de la signatura s&#8217;aplica els seg\u00fcents par\u00e0metres:<\/p><ul><li style=\"font-weight: 400;\">Abans del 9.12.2007 \u2013 1% per cancel\u00b7laci\u00f3. 0% subrogaci\u00f3<\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Despr\u00e9s del 9.12.2007 (<\/span><a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2007-21086\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Llei 41\/2007<\/span><\/a><span style=\"font-weight: 400;\">) \u2013 0,5% els primers 5 amys, 0,25% despr\u00e9s.<\/span><\/li><li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Despr\u00e9s del 16.06.2019 <\/span><a href=\"https:\/\/www.boe.es\/buscar\/doc.php?id=BOE-A-2019-3814\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">(Llei 5\/2019 \u2013 LCCI)<\/span><\/a><span style=\"font-weight: 400;\">\u2013 0,25% anys 1-3, 0,15% anys 4-5, 0% despr\u00e9s<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Des d&#8217;ASUFIN venim denunciant la complexitat del c\u00e0lcul, similar al d&#8217;un derivat financer (swap), per determinar si s&#8217;aplica o no aquesta comissi\u00f3. En efecte, per a saber si s&#8217;aplica aquesta comissi\u00f3, caldr\u00e0 calcular el \u2018valor de mercat\u2019 de la hipoteca, un c\u00e0lcul que no est\u00e0 a l&#8217;abast d&#8217;un consumidor mitj\u00e0. Per tot aix\u00f2, ja hi ha sent\u00e8ncies que declaren la nul\u00b7litat d&#8217;aquesta comissi\u00f3 i els consumidors han pogut recuperar f\u00e0cilment entre 1.000 i 5.000 euros.<\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9694\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-9694\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comissi\u00f3 Descobert<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9694\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-9694\"><p>El descobert \u00e9s una facilitat credit\u00edcia concedida per l&#8217;entitat al titular d&#8217;un compte. I \u00e9s <strong>aquesta, i no el client, qui decideix la seva obertura<\/strong> (permetre c\u00e0rrecs per sobre del saldo comptable del compte).\u00a0<\/p><p>La comissi\u00f3 de descobert \u00e9s diferent a la comissi\u00f3 per reclamaci\u00f3 de posicions deutores, perqu\u00e8 remunera un servei diferent. Mentre la segona fa front als costos assumits per l&#8217;entitat per a recuperar el saldo deutor, la primera remunera la facilitat credit\u00edcia que ofereix l&#8217;entitat. Aix\u00ed, la comissi\u00f3 per descobert t\u00e9 un l\u00edmit: <strong>La\u00a0TAE\u00a0no pot ser superior a 2,5 vegades l&#8217;inter\u00e8s legal dels diners.<\/strong><\/p><p>Finalment, i en nom de la major transpar\u00e8ncia de l&#8217;entitat cap al seu client, sempre <strong>s&#8217;ha de facilitar la liquidaci\u00f3 d&#8217;aquesta comissi\u00f3<\/strong>, amb els dies de descobert.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9695\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-9695\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comissi\u00f3 o despesa de reclamaci\u00f3 de posicions deutores<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9695\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-9695\"><p>Es tracta d&#8217;una comissi\u00f3 que t\u00e9 per objecte <strong>rescabalar a l&#8217;entitat pels costos incorreguts en la recuperaci\u00f3 de les posicions deutores o \u201cn\u00fameros vermells\u201d<\/strong>. El Tribunal Suprem la va declarar nul\u00b7la a l&#8217;octubre de 2019. No obstant aix\u00f2, existeixen uns criteris concrets per la seva correcta aplicaci\u00f3:<\/p><div class=\"traductor-textarea form-group\"><div class=\"textarea-desti col-xs-12 col-sm-6\"><div class=\"form-control second-textarea\"><ul><li>Ha d&#8217;estar prevista en la informaci\u00f3 precontractual i contractual lliurada al client, amb l&#8217;import concret, que ha de ser conforme als costos efectivament suportats (podr\u00e0 ser diferent en funci\u00f3 del canal emprat, especificant-se cadascun d&#8217;ells).<\/li><li>Utilitzar-se el canal adequat per a les comunicacions, guardant proporci\u00f3 amb el saldo reclamat, podent establir-se llindars de deute m\u00ednims exempts d&#8217;aplicaci\u00f3 d&#8217;aquesta comissi\u00f3. Les comunicacions hauran de ser respectuoses amb la privacitat del client.<\/li><li>Incompatibilitat d&#8217;aquesta despesa amb altres penalitzacions.<\/li><li>Nom\u00e9s es cobrar\u00e0 una comissi\u00f3 per cada saldo impagat, encara que es prorrogui en el temps i es necessitin successives reclamacions.<\/li><li>S&#8217;haur\u00e0 d&#8217;informar d&#8217;aquesta despesa amb car\u00e0cter previ al seu c\u00e0rrec, preferiblement en la pr\u00f2pia comunicaci\u00f3 del deute.<\/li><\/ul><p>Finalment, cal destacar que en el <span style=\"font-weight: 400;\"><a href=\"https:\/\/panel.asufin.com\/\" target=\"_blank\" rel=\"noopener\">ESTUDI ASUFIN: COMISSIONS BANC\u00c0RIES<\/a>,<\/span> es posava de manifest que aquesta comissi\u00f3 podia arribar a suposar el 10.000% TAE. <strong>El cobrament d&#8217;aquesta comissi\u00f3 es fa efectiu a les 48 hores del descobert<\/strong> i ronda uns 40 euros de mitjana, des dels 30 euros de BBVA i Deutsche Bank fins als 50 i 49 euros de Liberbank i Banc Santander.<\/p><\/div><\/div><\/div><div class=\"traductor-checkbox form-group\"><div class=\"row\"><div class=\"col-sm-5\">\u00a0<\/div><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9696\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-9696\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\"> Comissi\u00f3 Ingr\u00e9s Finestreta<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9696\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-9696\"><p>Tal com indica el Banc d&#8217;Espanya, &#8220;l&#8217;acceptaci\u00f3 d&#8217;ingressos en efectiu per abonament en un compte de la pr\u00f2pia entitat receptora constitueix una prestaci\u00f3 del servei de caixa, inherent al contracte de compte, i, per tant, no pot ser remunerada de manera independent. El servei de caixa en aquests sup\u00f2sits es retribueix a trav\u00e9s de la comissi\u00f3 de manteniment&#8221;. Per tant, com a regla general, <strong>aquesta comissi\u00f3 no estaria permesa, tret que es pacti amb el client el seu cobrament<\/strong> quan el servei prestat excedeixi de l&#8217;ordinari. Ara b\u00e9, el propi regulador considera que s\u00ed que \u00e9s &#8220;un servei addicional identificar el concepte de l&#8217;ingr\u00e9s&#8221; pel que es podria cobrar comissi\u00f3 per aix\u00f2.\u00a0<\/p><p>A <strong>ASUFIN<\/strong> no estem d&#8217;acord amb aquesta apreciaci\u00f3 i els tribunals ja han dictat sent\u00e8ncies sobre aquest tema, com la Sent\u00e8ncia de 10 d&#8217;octubre de 2017 del Jutjat del Mercantil n\u00fam. 1 de Vit\u00f2ria-Gasteiz, que estima que la simple inclusi\u00f3 del concepte, tant en el justificant com en l&#8217;anotaci\u00f3 en compte, no suposa una acci\u00f3 excessiva i fora del servei de caixa b\u00e0sic.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9697\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-9697\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comssi\u00f3 Manteniment<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9697\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-9697\"><p>Aquesta comissi\u00f3 remunera el servei de caixa b\u00e0sic: ingr\u00e9s i reintegrament d&#8217;efectiu, disposicions mitjan\u00e7ant xec, deutes i ingressos. A m\u00e9s, quant al seu cobrament, \u00e9s\u00a0pospagable\u00a0i de meritaci\u00f3 lineal, i en cas de cancel\u00b7laci\u00f3 de compte, \u00fanicament ha de cobrar-se la part proporcional.<\/p><p>En l&#8217;<span style=\"font-weight: 400;\"><a href=\"https:\/\/panel.asufin.com\/\" target=\"_blank\" rel=\"noopener\">ESTUDI ASUFIN: COMISSIONS BANC\u00c0RIES<\/a> <\/span> es poden consultar els imports que cobren les entitats banc\u00e0ries al nostre pa\u00eds, que van des dels 200 euros a l&#8217;any de Banc Sabadell als 48 euros anuals de CaixaBank.\u00a0<\/p><p>No obstant aix\u00f2, quan es tracta d&#8217;un compte instrumental o vinculat, \u00e9s a dir, oberta per a realitzar els pagaments d&#8217;una hipoteca o rebre els ingressos d&#8217;un dip\u00f2sit a termini o producte d&#8217;inversi\u00f3, ens trobem amb dues situacions. Si aquest compte va ser oberta abans del 2012, no podr\u00e0 suposar cap cost per al seu titular, sempre que es destini \u00fanica i exclusivament per a una obligaci\u00f3 de pagament o dret de cobrament. A partir del 2012 es permet el cobrament de comissions en comptes que es mantenen obertes per exig\u00e8ncies de l&#8217;entitat, per\u00f2 s&#8217;ha d&#8217;informar d&#8217;aquest extrem al client en el moment de contractar el producte principal i les comissions han de tenir-se en compte per al c\u00e0lcul de la\u00a0TAE\u00a0del citat producte. A m\u00e9s, aquestes comissions no podran modificar-se durant tota la vida del producte vinculat.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-9698\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-9698\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-chevron-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-chevron-down\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comissi\u00f3 Administraci\u00f3<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-9698\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-9698\"><p>Es tracta d&#8217;una comissi\u00f3 vinculada al funcionament del compte, consistent en una quantia fixa per cada anotaci\u00f3 que es produeix durant el termini de liquidaci\u00f3, que sol ser trimestral o semestral. A vegades el contracte inclou un nombre determinat d&#8217;anotacions exemptes de cobrament (els primers 10, per exemple). La comissi\u00f3 d&#8217;administraci\u00f3 ha de cobrar-se \u00fanicament per anotacions no retribu\u00efdes ja amb la comissi\u00f3 de manteniment, com poden ser les transfer\u00e8ncies (executades i rebudes) o els deutes de rebuts.<\/p><p>D&#8217;altra banda, segons el Banc d&#8217;Espanya, ha de tenir-se en compte la redacci\u00f3 de la cl\u00e0usula contractual d&#8217;aquesta comissi\u00f3 per a verificar que pot ser entesa pel client l&#8217;exist\u00e8ncia de dues comissions sobre el compte, la de manteniment i la d&#8217;administraci\u00f3.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\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-7cfe745 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7cfe745\" 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-72bbd82\" data-id=\"72bbd82\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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-bc29791 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc29791\" 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-33 elementor-top-column elementor-element elementor-element-b36ba85\" data-id=\"b36ba85\" 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-aab60b4 elementor-widget elementor-widget-image\" data-id=\"aab60b4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54779\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/asociacion_experta_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"ASOCIACION_EXPERTA_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/ASOCIACION_EXPERTA_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54779\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3d7c8 elementor-widget elementor-widget-text-editor\" data-id=\"5f3d7c8\" 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>ASSOCIACI\u00d3 EXPERTA<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-508de94 elementor-widget elementor-widget-text-editor\" data-id=\"508de94\" 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>En la defensa d&#8217;abusos bancaris de consumidors i usuaris<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6af45ac\" data-id=\"6af45ac\" 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-57c460d elementor-widget elementor-widget-image\" data-id=\"57c460d\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54780\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/equipo_profesional_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"EQUIPO_PROFESIONAL_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/EQUIPO_PROFESIONAL_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54780\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2f9493 elementor-widget elementor-widget-text-editor\" data-id=\"a2f9493\" 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>EQUIP PROFESSIONAL<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f678d1 elementor-widget elementor-widget-text-editor\" data-id=\"7f678d1\" 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>L&#8217;associaci\u00f3 compta amb un equip de professionals experts compromesos<\/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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-f69b565\" data-id=\"f69b565\" 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-fa9cc55 elementor-widget elementor-widget-image\" data-id=\"fa9cc55\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" data-attachment-id=\"54781\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/casos_de_exito_asufin-png\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" data-orig-size=\"156,146\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"CASOS_DE_EXITO_ASUFIN.png\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" width=\"156\" height=\"146\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/CASOS_DE_EXITO_ASUFIN.png?fit=156%2C146&amp;ssl=1\" class=\"attachment-large size-large wp-image-54781\" alt=\"\" title=\"\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-117df6e elementor-widget elementor-widget-text-editor\" data-id=\"117df6e\" 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>CASOS D&#8217;\u00c8XIT<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f8e7a42 elementor-widget elementor-widget-text-editor\" data-id=\"f8e7a42\" 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>\u00c8xits judicials comparables<\/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-1992f70 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1992f70\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-9f5d39c\" data-id=\"9f5d39c\" 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-9564242 elementor-widget elementor-widget-text-editor\" data-id=\"9564242\" 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>Si el teu cas \u00e9s viable, et presentarem un pressupost ajustat, moltes vegades <span style=\"color: #eb2b8e;\"><strong>sense cost inicial<\/strong><\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fc1ee2 elementor-widget elementor-widget-text-editor\" data-id=\"1fc1ee2\" 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>Presentem les demandes en defensa dels nostres associats, sent aix\u00ed la part actora del procediment i evitant el risc de condemna en costes en cas de perdre.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d693ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d693ba\" 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-50 elementor-inner-column elementor-element elementor-element-766ba06\" data-id=\"766ba06\" 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-74d84cb elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"74d84cb\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/signup\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">RECLAMA<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7b9356f\" data-id=\"7b9356f\" 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-8a19730 elementor-align-left elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"8a19730\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/panel.asufin.com\/archivos\/pdf\/FICHA_PRODUCTO_COMISION_COMPENSACION_POR_TIPOS_DE_INTERES_2021.pdf\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">FITXA DE PRODUCTE<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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\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-3cb6abb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3cb6abb\" 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-47a55a2\" data-id=\"47a55a2\" 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-38b181f elementor-arrows-position-outside anwp-pg-widget-header-style--b anwp-pg-post-teaser__post-icon--size-16 elementor-pagination-position-outside elementor-widget elementor-widget-anwp-pg-classic-slider\" data-id=\"38b181f\" data-element_type=\"widget\" data-widget_type=\"anwp-pg-classic-slider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"anwp-pg-wrap\">\n\n\t\n\t<!-- Slider main container -->\n\t<div\n\t\tclass=\"anwp-pg-classic-slider anwp-pg-swiper-wrapper position-static swiper swiper-container anwp-pg-no-transform\"\n\t\tdata-pg-slides-per-view=\"3\"\n\t\tdata-pg-slides-per-view-mobile=\"1\"\n\t\tdata-pg-slides-per-view-tablet=\"2\"\n\t\tdata-pg-slides-per-group=\"1\"\n\t\tdata-pg-slides-per-group-mobile=\"1\"\n\t\tdata-pg-slides-per-group-tablet=\"1\"\n\t\tdata-pg-autoplay=\"yes\"\n\t\tdata-pg-autoplay-delay=\"5000\"\n\t\tdata-pg-space-between=\"20\"\n\t\tdata-pg-effect=\"slide\"\n\t\tdata-pg-show-read-more=\"no\"\n\t\tdata-pg-enable-observer=\"no\"\n\t\tdata-pg-loop=\"no\"\n\t\tdir=\"ltr\"\n\t>\n\t\t<!-- Additional required wrapper -->\n\t\t<div class=\"swiper-wrapper\">\n\t\t\t<!-- Slides -->\n\t\t\t<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"El Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/revolving-supremo-analisis.jpeg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/el-supremo-cambia-el-criterio-a-favor-de-la-banca-y-aboca-a-reclamar-las-revolving-por-transparencia\/\" aria-hidden=\"true\">\n\t\t\t\tEl Supremo cambia el criterio a favor de la banca y aboca a reclamar las revolving por transparencia\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"Tarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/03\/bodegon-balanza-justicia-1-1.jpeg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/tarjetas-revolving-la-mayoria-de-las-tae-no-integran-todas-las-comisiones-ni-seguros-ni-el-peligroso-interes-compuesto\/\" aria-hidden=\"true\">\n\t\t\t\tTarjetas revolving: \u00abLa mayor\u00eda de las TAE no integran todas las comisiones, ni seguros, ni el peligroso inter\u00e9s compuesto\u00bb\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"Nuestro socio recupera su dinero tras reclamar una tarjeta revolving con un 25,59% de inter\u00e9s\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/02\/negocio-tarjetas-credito-compra-pc-contemporanea-1.jpeg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/nuestro-socio-recupera-su-dinero-tras-reclamar-una-tarjeta-revolving-con-un-2559-de-interes\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/nuestro-socio-recupera-su-dinero-tras-reclamar-una-tarjeta-revolving-con-un-2559-de-interes\/\" aria-hidden=\"true\">\n\t\t\t\tNuestro socio recupera su dinero tras reclamar una tarjeta revolving con un 25,59% de inter\u00e9s\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"\u00a1Una TAE del 598.425%! Nuestro socio recupera el dinero de un pr\u00e9stamo con 4 Finance\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/02\/hombre-joven-camiseta-gris-contando-billetes-euros-1.jpeg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/una-tae-del-598-425-nuestro-socio-recupera-el-dinero-de-un-prestamo-con-4-finance\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/una-tae-del-598-425-nuestro-socio-recupera-el-dinero-de-un-prestamo-con-4-finance\/\" aria-hidden=\"true\">\n\t\t\t\t\u00a1Una TAE del 598.425%! Nuestro socio recupera el dinero de un pr\u00e9stamo con 4 Finance\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"How to establish a household budget and thus having more financial control?\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/01\/businesswoman-take-position-to-protect-on-the-piggybank-and-paper-family-in-hand-donation-saving-charity-family-finance-plan-concept-fundraising-superannuation-financial-crisis-concept-1.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/en\/how-to-establish-household-budget-financial-control\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/en\/how-to-establish-household-budget-financial-control\/\" aria-hidden=\"true\">\n\t\t\t\tHow to establish a household budget and thus having more financial control?\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n<div class=\"anwp-pg-post-teaser anwp-pg-post-teaser--inner-cover-link anwp-pg-post-teaser--layout-d d-flex flex-column swiper-slide\">\n\t<div class=\"anwp-pg-post-teaser__thumbnail position-relative\">\n\n\t\t\n\t\t\n\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" class=\"anwp-pg-post-teaser__thumbnail-img d-block anwp-pg-height-170 anwp-pg-sm-height-280 anwp-pg-lg-height-280 anwp-object-cover m-0 w-100\" alt=\"\u00bfC\u00f3mo establecer un presupuesto familiar y as\u00ed tener un mayor control financiero?\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2023\/01\/businesswoman-take-position-to-protect-on-the-piggybank-and-paper-family-in-hand-donation-saving-charity-family-finance-plan-concept-fundraising-superannuation-financial-crisis-concept-1.jpg?resize=150%2C150&#038;ssl=1\" title=\"\">\n\t\t\n\t\t<div class=\"anwp-pg-post-teaser__thumbnail-bg anwp-position-cover\"><\/div>\n\n\t\t<a class=\"anwp-position-cover anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/como-presupuesto-familiar-control-financiero\/\" aria-hidden=\"true\"><\/a>\n\t<\/div>\n\n\t<div class=\"anwp-pg-post-teaser__content flex-grow-1 pt-1 d-flex flex-column\">\n\n\t\t<div class=\"anwp-pg-post-teaser__title anwp-font-heading mt-2\">\n\t\t\t<a class=\"anwp-link-without-effects\" href=\"https:\/\/staging.asufin.com\/staging\/como-presupuesto-familiar-control-financiero\/\" aria-hidden=\"true\">\n\t\t\t\t\u00bfC\u00f3mo establecer un presupuesto familiar y as\u00ed tener un mayor control financiero?\t\t\t<\/a>\n\t\t<\/div>\n\n\t\t<div class=\"anwp-pg-post-teaser__bottom-meta d-flex flex-wrap\">\n\n\t\t\t\n\t\t\t\t\t<\/div>\n\n\t\t\n\t\t\n\t<\/div>\n\n<\/div>\n\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<div class=\"swiper-pagination\"><\/div>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t<svg class=\"anwp-pg-icon anwp-pg-icon--feather anwp-pg-icon--s28\">\n\t\t\t\t\t\t<use xlink:href=\"#icon-anwp-pg-chevron-left\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\">\n\t\t\t\t\t<svg class=\"anwp-pg-icon anwp-pg-icon--feather anwp-pg-icon--s28\">\n\t\t\t\t\t\t<use xlink:href=\"#icon-anwp-pg-chevron-right\"><\/use>\n\t\t\t\t\t<\/svg>\n\t\t\t\t\t<span 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data-id=\"d908ccf\" data-element_type=\"widget\" id=\"inversa\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/covid-19-moratoria-hipotecaria\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"55394\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/ficha_producto_covid-19_moratoria_hipotecaria\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-55394\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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-b342112 elementor-hidden-desktop elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b342112\" 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-50 elementor-top-column 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data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"QRENTA_ESFERA_CAPITAL.jpg\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-54784\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-8b348d3\" data-id=\"8b348d3\" 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-58d6abb honor elementor-widget elementor-widget-image\" data-id=\"58d6abb\" data-element_type=\"widget\" id=\"segunda\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a 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elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d7512ba\" 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-50 elementor-top-column elementor-element elementor-element-37bd7b7\" data-id=\"37bd7b7\" 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-31ddb1a elementor-widget elementor-widget-image\" data-id=\"31ddb1a\" data-element_type=\"widget\" id=\"sobre\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/sobreendeudamiento\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54786\" 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src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/SOBREENDEUDAMIENTO.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-54786\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/SOBREENDEUDAMIENTO.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/SOBREENDEUDAMIENTO.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b71dbb6\" data-id=\"b71dbb6\" 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-9879fe3 elementor-widget elementor-widget-image\" data-id=\"9879fe3\" data-element_type=\"widget\" id=\"revolving\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/tarjetas\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54787\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/tarjetas_y_creditos_revoling-jpg\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"TARJETAS_Y_CREDITOS_REVOLING.jpg\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-54787\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/TARJETAS_Y_CREDITOS_REVOLING.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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-94f2b09 elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"94f2b09\" 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-33 elementor-top-column elementor-element elementor-element-1d462f9\" data-id=\"1d462f9\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\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-9862bc2 honor elementor-widget elementor-widget-image\" data-id=\"9862bc2\" data-element_type=\"widget\" id=\"honor\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/derecho-al-honor\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54782\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/derecho_al_honor-jpg\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/DERECHO_AL_HONOR.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" 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srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/DERECHO_AL_HONOR.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/DERECHO_AL_HONOR.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-6de1cfd covid\" data-id=\"6de1cfd\" 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-1325c3c elementor-widget elementor-widget-image\" data-id=\"1325c3c\" data-element_type=\"widget\" id=\"inversa\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/covid-19-moratoria-hipotecaria\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"55394\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/ficha_producto_covid-19_moratoria_hipotecaria\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-55394\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/FICHA_PRODUCTO_COVID-19_MORATORIA_HIPOTECARIA.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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<div 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data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"QRENTA_ESFERA_CAPITAL.jpg\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?fit=387%2C114&amp;ssl=1\" width=\"387\" height=\"114\" src=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?fit=387%2C114&amp;ssl=1\" class=\"attachment-large size-large wp-image-54784\" alt=\"\" srcset=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?w=387&amp;ssl=1 387w, https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/QRENTA_ESFERA_CAPITAL.jpg?resize=300%2C88&amp;ssl=1 300w\" sizes=\"(max-width: 387px) 100vw, 387px\" title=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\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-bb0ca11 elementor-hidden-tablet elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bb0ca11\" 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-33 elementor-top-column elementor-element elementor-element-7067449\" data-id=\"7067449\" 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-3c08c1e honor elementor-widget elementor-widget-image\" data-id=\"3c08c1e\" data-element_type=\"widget\" id=\"segunda\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/segunda-oportunidad\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" data-attachment-id=\"54785\" data-permalink=\"https:\/\/staging.asufin.com\/staging\/segunda_oportunidad-jpg\/\" data-orig-file=\"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2020\/09\/SEGUNDA_OPORTUNIDAD.jpg?fit=387%2C114&amp;ssl=1\" data-orig-size=\"387,114\" data-comments-opened=\"1\" 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