{"id":5455,"date":"2022-10-19T23:00:00","date_gmt":"2022-10-19T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=5455"},"modified":"2022-10-19T22:52:05","modified_gmt":"2022-10-19T22:52:05","slug":"tipos-de-credito","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/es\/tipos-de-credito\/","title":{"rendered":"Entender los tipos de cr\u00e9dito: personal, habitacional, consolidado y automotriz."},"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 id=\"h-conheca-os-principais-tipos-de-credito-e-decida-qual-o-melhor-para-voce\">\u00a1Descubre los principales tipos de cr\u00e9dito y decide cu\u00e1l es mejor para ti!<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"684\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1024x684.jpg\" alt=\"mulher sentada pesquisando em computador\" class=\"w-full object-cover object-center border mx-auto wp-image-5458\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1024x684.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-768x513.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito.jpg 1279w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Conoce m\u00e1s sobre cada tipo de cr\u00e9dito existente. Fuente: Pexels.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cada tipo de cr\u00e9dito tiene una finalidad espec\u00edfica. Mientras que algunos tienen el compromiso de utilizar con valor un fin, otros prescinden de este compromiso.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, tambi\u00e9n difieren en t\u00e9rminos de las reglas de concesi\u00f3n y sus efectos. Asimismo, respecto del valor de liberaci\u00f3n y plazo de pago.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-ZGxkYC\">\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:\/\/senhorcartao.com\/es\/como-obter-niss\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubre c\u00f3mo conseguir tu NISS f\u00e1cilmente\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/NISS-como-obter-tirar-NISS-1.png\" alt=\"Seguran\u00e7a social logotipo\">\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:\/\/senhorcartao.com\/es\/como-obter-niss\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubre c\u00f3mo conseguir tu NISS f\u00e1cilmente\">\n            Descubre c\u00f3mo conseguir tu NISS f\u00e1cilmente        <\/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            Consulta la gu\u00eda paso a paso sobre c\u00f3mo obtener el NISS en Portugal. Al fin y al cabo, el NISS es obligatorio y nuestra gu\u00eda te ense\u00f1a c\u00f3mo obtenerlo de forma sencilla y r\u00e1pida.        <\/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:\/\/senhorcartao.com\/es\/como-obter-niss\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Contin&#250;e 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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Entonces, sigue leyendo y conoce los cuatro tipos de cr\u00e9ditos. Adem\u00e1s, aclara todas tus dudas sobre cada uno de ellos. \u00a1Buena lectura!<\/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 id=\"h-tipos-de-credito-credito-pessoal\">Tipos de cr\u00e9dito: cr\u00e9dito personal<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Uno de los principales tipos de cr\u00e9dito es el personal. Se diferencia por no comprometerse con el uso del dinero. De hecho, este es el tipo de cr\u00e9dito perfecto para quienes tienen varios sue\u00f1os que poner en pr\u00e1ctica. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00bfQuieres viajar, hacer un curso o hacer tu vida financiera m\u00e1s relajada? Entonces este podr\u00eda ser el formato de pr\u00e9stamo perfecto para usted. El dinero se deposita directamente en tu cuenta y luego puedes usarlo como quieras. <\/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 id=\"h-quem-pode-pedir-um-credito-pessoal-quais-sao-os-valores-e-prazos\">\u00bfQui\u00e9n puede solicitar un pr\u00e9stamo personal? \u00bfCu\u00e1les son los valores y plazos?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Cualquier persona que no est\u00e9 en la lista negra del Banco de Portugal, que resida en el pa\u00eds y que tenga ingresos comprobables puede solicitar este cr\u00e9dito, simplemente pagando las cuotas mensuales despu\u00e9s del contrato.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, las tasas y plazos var\u00edan seg\u00fan cada pr\u00e9stamo. Mientras que los de menor valor se pueden pagar en 12 meses, los de mayor monto ofrecen hasta 84 meses para pagar.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-tipos-de-credito-credito-habitacao\">Tipos de cr\u00e9dito: cr\u00e9dito de vivienda<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"726\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1024x726.jpg\" alt=\"pessoa segurando uma chave e uma casa em miniatura\" class=\"w-full object-cover object-center border mx-auto wp-image-5520\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1024x726.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-300x213.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-768x545.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao-1536x1090.jpg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/como-escolher-credito-habitacao.jpg 1748w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Comprenda m\u00e1s sobre c\u00f3mo funciona el cr\u00e9dito para vivienda. Fuente: Canva.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Otro tipo de pr\u00e9stamo disponible en el mercado es el cr\u00e9dito inmobiliario. Como ya lo indica el nombre tiene fines inmobiliarios. Por ejemplo, podr\u00eda ser para comprar una propiedad o un terreno.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Asimismo, para la rehabilitaci\u00f3n de un inmueble, construcci\u00f3n o hipoteca. En este caso, el consumidor tiene un valor disponible, pero necesariamente debe utilizarlo para el fin declarado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>A la hora de adquirir un inmueble, es habitual que el banco asuma la deuda con la constructora o promotora, mientras que el consumidor la debe sin ver el color del dinero.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De hecho, es natural que la propiedad sirva como garant\u00eda para la transacci\u00f3n financiera, lo que puede reducir el inter\u00e9s y la tasa de inter\u00e9s, reduciendo el diferencial.<\/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 id=\"h-quais-sao-as-finalidades-do-credito-habitacao\">\u00bfCu\u00e1les son los prop\u00f3sitos del cr\u00e9dito para vivienda?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Consulte las principales finalidades y tipos de cr\u00e9dito para vivienda presentes en el mercado:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Compra de propiedad construida;<\/li><li>Compra de terrenos;<\/li><li>Construcci\u00f3n o renovaci\u00f3n de inmuebles.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este \u00faltimo caso, es habitual que el importe se vaya disponiendo poco a poco, seg\u00fan el avance de la obra. Adem\u00e1s, sepa que puede resultar \u00fatil para comprar su primera o segunda propiedad, como para vacaciones o alquiler.<\/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 id=\"h-qual-o-valor-e-o-prazo-de-um-credito-habitacao\">\u00bfCu\u00e1l es el valor y plazo de un pr\u00e9stamo para vivienda?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como ocurre con otros tipos de cr\u00e9dito, este var\u00eda seg\u00fan las condiciones del consumidor, el riesgo que asume el banco y la existencia de garant\u00edas.<\/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 id=\"h-tipos-de-credito-credito-consolidado\">Tipos de cr\u00e9dito: cr\u00e9dito consolidado<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Siguiendo con los tipos de cr\u00e9dito disponibles en el mercado, tenemos el cr\u00e9dito consolidado. Funciona de una forma muy diferente, ya que permite la consolidaci\u00f3n de cr\u00e9ditos. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Es decir, la uni\u00f3n de dos o m\u00e1s deudas de distintos cr\u00e9ditos en una \u00fanica cuota mensual. Considere, por ejemplo, alguien que tiene pagos pendientes de tarjetas de cr\u00e9dito, pr\u00e9stamos personales y vivienda.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En este caso, el consumidor asume tres cuotas mensuales. Cada una de las operaciones tiene sus propias tarifas y tarifas, lo que las encarece.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Al unificarlos todos en una sola cuota, con este tipo de cr\u00e9dito se logra tener un solo tipo de tasa y tarifas, lo que conlleva un ahorro en gastos mensuales para afrontar gastos.<\/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 id=\"h-quem-pode-pedir-um-credito-consolidado\">\u00bfQui\u00e9n puede solicitar cr\u00e9dito consolidado?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>S\u00f3lo aquellos que tengan dos o m\u00e1s cr\u00e9ditos abiertos. Se pueden utilizar los siguientes tipos de operaciones para la consolidaci\u00f3n:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><li>Tarjeta de cr\u00e9dito.<\/li><li>Cr\u00e9dito personal;<\/li><li>Pr\u00e9stamos hipotecarios;<\/li><li>Cr\u00e9dito para autom\u00f3vil y otros.<\/li><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, s\u00f3lo quienes no est\u00e9n registrados en la lista negra del Banco de Portugal pueden contratar este tipo de cr\u00e9dito. Es decir, las cuotas de los cr\u00e9ditos a consolidar deben estar al d\u00eda y no tener retrasos en el pago.<\/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 id=\"h-qual-o-valor-e-o-prazo-de-um-credito-consolidado\">\u00bfCu\u00e1l es el valor y plazo de un cr\u00e9dito consolidado?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Una vez m\u00e1s, esto var\u00eda dependiendo del consumidor y de la entidad financiera y del riesgo que asuma. En general, el pago puede tardar hasta 84 meses.<\/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 id=\"h-tipos-de-credito-conheca-o-credito-automovel\">Tipos de cr\u00e9dito: aprenda sobre el cr\u00e9dito para autom\u00f3vil<\/h2>\n<\/div><!--image--><div class=\"px-5 sm:px-0 sm:w-[800px] sm:ml-[50%] sm:-translate-x-2\/4 rounded-lg overflow-hidden mb-5 text-center\">\n<figure class=\"wp-block-image size-large\"><img width=\"1024\" height=\"682\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-1024x682.jpg\" alt=\"imagem com um homem com a m\u00e3o estendida\" class=\"w-full object-cover object-center border mx-auto wp-image-5457\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-1024x682.jpg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-300x200.jpg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1-768x511.jpg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/09\/tipos-de-credito-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Todo sobre tipos de cr\u00e9dito. Fuente: Pexels<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>El \u00faltimo de los tipos de cr\u00e9dito que aqu\u00ed enumeramos es el de autom\u00f3vil, que tambi\u00e9n es uno de los m\u00e1s habituales en el mercado y est\u00e1 especialmente dirigido a la compra o cambio de un coche. <\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, tiene un uso espec\u00edfico y no es de libre aplicaci\u00f3n por parte del consumidor. A menudo, como en el caso del cr\u00e9dito para vivienda, el importe va directamente al concesionario y el consumidor paga las cuotas al banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De hecho, el cr\u00e9dito suele estar garantizado por el coche financiado u otro bien que posea el consumidor, como un inmueble. Esto puede ayudar a limitar las tarifas y el riesgo.<\/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 id=\"h-quem-pode-pedir-um-credito-automovel-qual-o-valor-e-o-prazo\">\u00bfQui\u00e9n puede solicitar un pr\u00e9stamo de coche? \u00bfCu\u00e1l es el valor y el plazo?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pueden solicitar este cr\u00e9dito las personas que quieran adquirir un coche y que no est\u00e9n en la lista negra del Banco de Portugal.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, el plazo y el valor var\u00edan seg\u00fan el monto del auto deseado, la imagen del consumidor en el mercado y los riesgos que representa para el banco que otorga el cr\u00e9dito.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Finalmente, si quieres saber un poco m\u00e1s sobre la lista negra del Banco de Portugal, mencionada varias veces en este art\u00edculo, \u00a1ve abajo y descubre c\u00f3mo salir de ella!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-2lVJtN\">\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:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/02\/lista-negra-de-devedores-banco-de-portugal-1.png\" alt=\"logotipo Fonte: Banco de Portugal YouTube\">\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:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!\">\n            Descubra si est\u00e1 en la lista negra del Banco de Portugal y c\u00f3mo salir: \u00a1paso a paso!        <\/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            Saber si est\u00e1s en la lista negra del Banco de Portugal es fundamental para cualquiera que tenga contratos con servicios financieros. \u00a1Aprende hoy c\u00f3mo comprobar si est\u00e1s en la lista y c\u00f3mo salir de ella!\n\n        <\/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:\/\/senhorcartao.com\/es\/saber-lista-negra-do-banco-de-portugal\/\"  data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n            Contin&#250;e 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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Por eso es importante comprender qu\u00e9 tipos de l\u00edneas de cr\u00e9dito est\u00e1n disponibles. \u00a1Consulta nuestra gu\u00eda para descubrir qu\u00e9 tipo es mejor para ti!<\/p>","protected":false},"author":4,"featured_media":5456,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3,8],"tags":[1507,168,244,144,1506],"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>Entenda sobre os tipos de cr\u00e9dito: pessoal, habita\u00e7\u00e3o, consolidado e autom\u00f3vel - Senhor Cart\u00e3o<\/title>\n<meta name=\"description\" content=\"Voc\u00ea conhece os principais tipos de cr\u00e9dito e como cada um deles funciona? 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