{"id":86074,"date":"2022-02-21T08:36:27","date_gmt":"2022-02-21T08:36:27","guid":{"rendered":"https:\/\/www.asufin.com\/?p=86074"},"modified":"2022-04-13T10:11:26","modified_gmt":"2022-04-13T10:11:26","slug":"prestecs-preconcedits-que-son-i-com-sofereixen","status":"publish","type":"post","link":"https:\/\/staging.asufin.com\/staging\/ca\/prestecs-preconcedits-que-son-i-com-sofereixen\/","title":{"rendered":"PR\u00c9STECS PRECONCEDITS: Qu\u00e8 s\u00f3n i com s&#8217;ofereixen?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"86074\" class=\"elementor elementor-86074\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-02720fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"02720fb\" 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-795197b\" data-id=\"795197b\" 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-220df6b elementor-widget elementor-widget-text-editor\" data-id=\"220df6b\" 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<div class=\"traductor-textarea form-group\"><div class=\"textarea-desti col-xs-12 col-sm-6\"><h4 class=\"form-control second-textarea\"><strong>Pr\u00e9stec a l&#8217;instant en el teu compte. Renova la teva llar, pr\u00e9stec 100% en l\u00ednia, r\u00e0pid i c\u00f2mode, de fins a 300.000 euros. Disposa de 20.000 euros a l&#8217;instant, en 3 passos. Us sona tot aix\u00f2? Parlem de pr\u00e9stecs preconcedits<\/strong><\/h4><\/div><\/div><div class=\"traductor-checkbox form-group\"><div class=\"row\"><div class=\"col-sm-offset-2 col-sm-5\">\u00a0<\/div><\/div><\/div>\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-fb6f474 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fb6f474\" 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-cbf9722\" data-id=\"cbf9722\" 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-507ce0c elementor-widget elementor-widget-text-editor\" data-id=\"507ce0c\" 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>\u00c9s molt probable que la teva entitat t&#8217;hagi &#8216;temptat&#8217; en m\u00e9s d&#8217;una ocasi\u00f3 amb aquest producte: pr\u00e9stecs preconcedidos. Es tracta d&#8217;una modalitat de finan\u00e7ament concret que <strong>es presenta al client com un vestit a mida<\/strong>, perqu\u00e8 no dubti a contractar-lo. S&#8217;acompanya de reclams comercials que ho converteixen en &#8216;irresistible&#8217;. Vegem amb m\u00e9s detall.<br \/><br \/><strong>Qu\u00e8 s\u00f3n els pr\u00e9stecs preconcedits?<\/strong><br \/><br \/>S\u00f3n productes pensats perqu\u00e8 el client que no t\u00e9 intenci\u00f3 d&#8217;endeutar-se, el faci.<br \/><br \/>Aix\u00ed, la forma en qu\u00e8 s\u00f3n oferts conviden a endeutar-se encara que no ho tinguis pensat. Per exemple, es dona la sensaci\u00f3 que s\u00f3n gratis, o que amb ells reps un premi. <strong>En realitat, aquest tipus de reclams s\u00f3n accions comercials encaminades a activar la necessitat de contractar un pr\u00e9stec i desactivar, al seu torn, la d&#8217;anar a buscar-lo.<\/strong><\/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-7f3a900 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7f3a900\" 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-c304a96\" data-id=\"c304a96\" 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-0da537e elementor-widget elementor-widget-video\" data-id=\"0da537e\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;hosted&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;play_on_mobile&quot;:&quot;yes&quot;,&quot;mute&quot;:&quot;yes&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-hosted-video elementor-wrapper elementor-open-inline\">\n\t\t\t\t\t<video class=\"elementor-video\" src=\"https:\/\/staging.asufin.com\/staging\/wp-content\/uploads\/2022\/01\/220117_TW_PRESTAMOS_PRECONCEDIDOS.mp4\" autoplay=\"\" controls=\"\" muted=\"muted\" playsinline=\"\" controlsList=\"nodownload\"><\/video>\n\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-386ae2d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"386ae2d\" 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-c994c88\" data-id=\"c994c88\" 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-e9116e3 elementor-widget elementor-widget-text-editor\" data-id=\"e9116e3\" 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<h5><a href=\"https:\/\/staging.asufin.com\/staging\/reclama\/\" target=\"_blank\" rel=\"noopener\">\u00bfHas tenido alg\u00fan problema con tu banco? Te guiamos desde el comienzo de tu reclamaci\u00f3n<\/a><\/h5>\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-6588e39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6588e39\" 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-1d21cb0\" data-id=\"1d21cb0\" 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-8e7111e elementor-widget elementor-widget-text-editor\" data-id=\"8e7111e\" 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>Una altra de les seves caracter\u00edstiques \u00e9s que solen tenir un topall de quantitat estimada que supera l&#8217;expectativa de l&#8217;usuari, per la qual cosa\u00a0<strong>genera un nivell d&#8217;endeutament m\u00e9s elevat de l&#8217;estrictament necessari<\/strong>. \u00c9s a dir, si per les meves condicions financeres no requer\u00eds manllevar m\u00e9s enll\u00e0 de 5.000 euros, el pr\u00e9stec preconcedido m&#8217;oferir\u00e0 10.000 euros, per exemple.<br \/><br \/><strong>Preconcedit equival al fet que m&#8217;ho donen amb seguretat?<\/strong><br \/><br \/>En realitat, no. El que fa l&#8217;entitat financera \u00e9s un primer scoring (mesurament)\u00a0<strong>basat exclusivament en les dades que posseeix l&#8217;usuari<\/strong>, per exemple, quantitat de diners exposada a deute, com a hipoteca o altres pr\u00e9stecs. Tamb\u00e9 examinen la incid\u00e8ncia d&#8217;impagaments i que tingui ingressos, aix\u00ed com que es mantingui un saldo positiu cada mes (el que comunament es coneix com a n\u00fameros negres enfront de n\u00fameros vermells) que garanteixin el seu pagament.<br \/><br \/>Per aquesta ra\u00f3, els qui reben aquesta oferta s\u00f3n principalment clients \u201cbons\u201d dels bancs, paradoxalment en molts casos els qui menys ho necessiten.<br \/><br \/>En el moment en el qual se sol\u00b7licita el pr\u00e9stec, es creuen altres dades com s\u00f3n la consulta de la CIRBE (central del Banc d&#8217;Espanya que posseeix el registre de deutes de cada usuari) o registres d&#8217;impagaments en general. Si es demostra que existeix un endeutament excessiu o impagaments, el pr\u00e9stec es denega, per la qual cosa la caracter\u00edstica de \u201cpreconcedit\u201d no dona cap seguretat, ni significa que amb acceptar-lo ja el tens.<br \/><br \/><strong>Nova tend\u00e8ncia<\/strong><br \/><br \/>Com a tend\u00e8ncia nova en aquest segment de pr\u00e9stecs, podem citar la proliferaci\u00f3 dels quals provenen de EFC (establiment financer de cr\u00e8dit) o entitats banc\u00e0ries que emeten targetes revolving, com Bankinter Consumer Finance o WiZink.<br \/><br \/><strong>S\u00f3n gratu\u00efts?<\/strong><br \/><br \/>Aquest tipus de pr\u00e9stecs s\u00f3n a tipus elevats, per sobre del mercat (tipus entre 10% i 14%) i es dirigeixen a clients amb bona traject\u00f2ria de pagament amb les seves targetes.<\/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-b993feb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b993feb\" 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-7cca41f\" data-id=\"7cca41f\" 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-5c2f1d3 elementor-widget elementor-widget-text-editor\" data-id=\"5c2f1d3\" 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<h5><a href=\"https:\/\/panel.asufin.com\/signup\" target=\"_blank\" rel=\"noopener\">\u00a1Hazte socio de ASUFIN para poder acceder a nuestro contenido m\u00e1s exclusivo!<\/a><\/h5>\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<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9stec a l&#8217;instant en el teu compte. Renova la teva llar, pr\u00e9stec 100% en l\u00ednia, r\u00e0pid i c\u00f2mode, de fins a 300.000 euros. Disposa de 20.000 euros a l&#8217;instant, en 3 passos. Us sona tot aix\u00f2? Parlem de pr\u00e9stecs preconcedits \u00c9s molt probable que la teva entitat t&#8217;hagi &#8216;temptat&#8217; en m\u00e9s d&#8217;una ocasi\u00f3 amb aquest [&hellip;]<\/p>\n","protected":false},"author":279,"featured_media":82090,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3278,6999,6878],"tags":[],"class_list":["post-86074","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-asufin-comunicats-cat","category-educacio-financera-cat","category-sobreendeudamiento-cat"],"acf":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/staging.asufin.com\/staging\/wp-content\/uploads\/2021\/12\/prestamos_preconcedidos.jpg?fit=1500%2C1000&ssl=1","jetpack_shortlink":"https:\/\/wp.me\/peayLa-moi","jetpack_likes_enabled":false,"jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86074","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/users\/279"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/comments?post=86074"}],"version-history":[{"count":9,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86074\/revisions"}],"predecessor-version":[{"id":95950,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/posts\/86074\/revisions\/95950"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media\/82090"}],"wp:attachment":[{"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/media?parent=86074"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/categories?post=86074"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.asufin.com\/staging\/wp-json\/wp\/v2\/tags?post=86074"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}