{"id":9427,"date":"2023-04-13T23:00:00","date_gmt":"2023-04-13T23:00:00","guid":{"rendered":"https:\/\/senhorcartao.com\/?p=9427"},"modified":"2023-04-12T20:00:13","modified_gmt":"2023-04-12T20:00:13","slug":"diferenca-tan-taeg","status":"publish","type":"post","link":"https:\/\/senhorcartao.com\/es\/diferenca-tan-taeg\/","title":{"rendered":"\u00bfCu\u00e1l es la diferencia entre TAN y APR? \u00a1Desbloquea los secretos de los pr\u00e9stamos!"},"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-foi-atingido-pelas-taxas-de-juros-saiba-diferenciar-a-tan-da-taeg\">\u00bfSe vio afectado por las tasas de inter\u00e9s? \u00a1Sepa c\u00f3mo diferenciar el TAN de la TAE!<\/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=\"576\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1024x576.jpeg\" alt=\"Pilha de moedas crescendo com desenhos de setas e rendimentos\" class=\"w-full object-cover object-center border mx-auto wp-image-9467\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1024x576.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-300x169.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-768x432.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-1536x864.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_573715600-2048x1152.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Despu\u00e9s de todo, \u00bfsabes la diferencia? Fuente: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Si desea tomar mejores decisiones con respecto a diferentes tipos de financiamiento, desde pr\u00e9stamos personales hasta tarjetas de cr\u00e9dito y pr\u00e9stamos, \u00a1es fundamental comprender la diferencia entre APR y TAN!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Esto se debe a que estas son las dos tasas que organizan los valores de las tasas de inter\u00e9s de toda financiaci\u00f3n. Sin embargo, cada tarifa tiene su particularidad y funciona de una manera espec\u00edfica.<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-26LOqF\">\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\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? Descubra c\u00f3mo funcionan \">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\" alt=\"pessoa com uma chave nas m\u00e3os\">\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\/tipos-de-taxa-de-credito-habitacao\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"\u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? Descubra c\u00f3mo funcionan \">\n            \u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? Descubra c\u00f3mo funcionan         <\/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            Existen b\u00e1sicamente 3 tipos de tasas de pr\u00e9stamos hipotecarios, con diferentes caracter\u00edsticas y beneficios para el consumidor. Por eso, conocerlos es fundamental antes de cerrar un trato.         <\/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\/tipos-de-taxa-de-credito-habitacao\/\"  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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parseInt(sessionStorage.getItem(\"anchorViews\")) : 0; return this.anchorViews; } setAnchorViews(views) { sessionStorage.setItem(\"anchorViews\", views); } getHeightBlock() { return this.lazyBlockTarget.offsetTop + this.lazyBlockTarget.offsetHeight - 110; } }) <\/script>  <div data-anchor-target=\"lazyBlockAnchor\" class=\"fixed w-full sm:w-96 px-3 py-2 bottom-0 left-0 hidden\" style=\"z-index: 999999;\" name=\"lazyBlockAnchor\">\n    <div class=\"grid justify-items-stretch\">        \n              <div class=\"relative justify-self-end top-4 -right-2\">\n          <button class=\"bg-white text-md font-medium text-center rounded-full h-7 w-7 border-2\" data-analytics-label=\"anchorCloseAnchor\" data-action=\"anchor#closeAnchor\" style=\"z-index: 999999;\">\n            X\n          <\/button>\n        <\/div>\n        <div class=\"justify-self-auto flex flex-col h-32 bg-white border-solid border-2 shadow-md rounded-md\">\n          <div class=\"flex my-0 h-full\">\n            <div class=\"w-2\/5 p-1 ml-2 mt-2 w-full\">\n              <a href=\"https:\/\/senhorcartao.com\/es\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"anchorImage\" data-action=\"analytics#trackCTA\">          \n                <img loading=\"lazy\" alt=\"card\" class=\"w-full object-cover h-24 object-center rounded justify-self-auto border-2 border-gray-100\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/tipos-de-taxa-de-credito-habitacao-1.jpg\">          \n              <\/a>\n            <\/div>\n            <div class=\"w-3\/5 my-2\">\n              <p class=\"px-4 text-center text-xs h-1\/2\">\n                \u00bfCu\u00e1les son los tipos de tasas de pr\u00e9stamos hipotecarios? Averiguar como\u2026              <\/p>\n              <a href=\"https:\/\/senhorcartao.com\/es\/tipos-de-taxa-de-credito-habitacao\/\"  data-analytics-label=\"anchorButton\" data-action=\"analytics#trackCTA\" >\n                <button class=\"flex w-5\/6 m-auto mt-2 border-0 py-1 px-3 focus:outline-none rounded\">                \n                  <p class=\"text-center w-full\" style=\"font-size: 0.67rem;\">\n                    Contin&#250;e Leyendo                  <\/p>\n                <\/button>\n              <\/a>\n              <p class=\"text-gray-500 text-center mt-1\" style=\"font-size: 0.50rem;\">\n                Permanecer\u00e1s en el mismo sitio              <\/p>\n            <\/div>\n          <\/div>\n        <\/div>\n          <\/div>\n  <\/div>\n  <\/section>\n\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, pueden existir cargos diferentes para un pr\u00e9stamo basado en TAN y otro basado en TAE. Por tanto, este es uno de los elementos fundamentales para que puedas tomar buenas decisiones de financiaci\u00f3n.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Pero primero, \u00bfsabes qu\u00e9 significa cada acr\u00f3nimo? \u00a1El TAN es la Tasa Nominal Anual! Mientras tanto, \u00a1la APR es la tasa anual efectiva global! \u00bfQuiere saber y comprender m\u00e1s sobre c\u00f3mo afectan su cr\u00e9dito? \u00a1Sigue leyendo!<\/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-fatores-a-considerar-para-pedir-credito\">Factores a considerar al solicitar un cr\u00e9dito<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En primer lugar, si est\u00e1s buscando alg\u00fan tipo de cr\u00e9dito personal, \u00a1vale la pena prestar atenci\u00f3n a otros datos adem\u00e1s de la tasa de inter\u00e9s y los cargos que vienen con el TAN y la TAE!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Entonces, en primer lugar, es importante considerar si realmente necesitas ese dinero o si existe alguna otra forma de conseguir lo que deseas, ya sea una casa, un auto o alg\u00fan tipo de servicio.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, consulta si no es posible pagar con cuenta de ahorro o tarjeta. En muchos casos, las tarifas con tarjeta pueden resultar m\u00e1s atractivas. Adem\u00e1s, \u00a1confirma que la entidad financiera est\u00e9 registrada para ofrecer cr\u00e9dito!<\/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-fatores-a-considerar-para-pedir-um-cartao\">Factores a considerar al solicitar una tarjeta<\/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=\"683\" loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1024x683.jpeg\" alt=\"Mulher confusa olhando para notebook\" class=\"w-full object-cover object-center border mx-auto wp-image-9468\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1024x683.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-300x200.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-768x512.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-1536x1024.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_574181446-2048x1365.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >\u00a1Descubra c\u00f3mo considerar las tarifas! Fuente: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>De hecho, cada vez m\u00e1s bancos e instituciones financieras ofrecen ventajas y beneficios al contratar una tarjeta de cr\u00e9dito espec\u00edfica. Por lo tanto, tenga en cuenta algunos factores adem\u00e1s de la tarifa.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Piense, por ejemplo, cu\u00e1les son los beneficios, como el reembolso en efectivo y si los valores de retorno tienen el potencial de compensar los gastos por intereses cobrados por el servicio del banco.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Adem\u00e1s, es importante tomar el contexto completo tanto de la tarjeta como del pr\u00e9stamo, al relacionar la informaci\u00f3n con tu realidad e inter\u00e9s al adquirir este cr\u00e9dito!<\/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-porque-a-tan-e-taeg-existem-e-como-funcionam\">\u00bfPor qu\u00e9 existen TAN y APR y c\u00f3mo funcionan?<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1No olvides que eres t\u00fa quien paga el TAN y la TAE! Esto sucede porque la tasa de inter\u00e9s es como el precio que pagas por utilizar el servicio y por conservar el dinero de la instituci\u00f3n. En otras palabras, \u00a1es el beneficio del banco!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, adem\u00e1s del tipo de tipo, otras cuestiones influir\u00e1n en el importe del inter\u00e9s. As\u00ed, queda la cuesti\u00f3n del valor del monto, el plazo, el tipo de cr\u00e9dito y el precio que la propia instituci\u00f3n establece por sus servicios!<\/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-qual-e-a-diferenca-entre-a-tan-e-a-taeg\">\u00bfCu\u00e1l es la diferencia entre TAN y APR?<\/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\/2023\/04\/AdobeStock_579875386-1024x684.jpeg\" alt=\"M\u00e3o digitando em calculadora\" class=\"w-full object-cover object-center border mx-auto wp-image-9469\" srcset=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-1024x684.jpeg 1024w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-300x200.jpeg 300w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-768x513.jpeg 768w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-1536x1025.jpeg 1536w, https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/04\/AdobeStock_579875386-2048x1367.jpeg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"mt-5 text-xs text-center border-b pb-4\" >Entonces, \u00a1comprende la diferencia! Fuente: AdobeStock.<\/figcaption><\/figure>\n<\/div><!--image--><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Vale recalcar que, tanto en un pr\u00e9stamo personal o de vivienda, como en una tarjeta de cr\u00e9dito, \u00a1se aplican el TAN y la TAE!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, s\u00f3lo entendiendo la diferencia y la funci\u00f3n de cada tarifa es posible tomar la mejor decisi\u00f3n. \u00a1Esto se debe a que esta es la \u00fanica manera de ver el valor total de ese servicio!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed que, sin m\u00e1s, \u00a1veamos en detalle de qu\u00e9 se trata cada una de las tasas de inter\u00e9s!<\/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-o-que-e-a-taeg\">\u00bfQu\u00e9 es la TAE?<\/h3>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Como ya hemos mostrado, la TAE es la Tasa de Cargo Anual Efectiva Global y est\u00e1 directamente relacionada con el coste total del pr\u00e9stamo. Es decir, es el porcentaje que debe pagar el cliente en relaci\u00f3n al importe obtenido.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>La TAE se calcula incluyendo todos los seguros obligatorios, intereses, gastos fiscales adicionales, altas y transacciones financieras. Y tambi\u00e9n incluye comisiones de pr\u00e9stamos y cualquier otro tipo de cargo.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por otro lado, la TAE no tiene en cuenta algunas comisiones como: comisiones por amortizaci\u00f3n anticipada; costos notariales; cantidades a pagar por incumplimiento del contratante (es decir, el suyo).<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-1jYkug\">\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\/fundos-investimento-imobiliario\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Todo sobre Fondos de Inversi\u00f3n Inmobiliaria\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2022\/10\/Tudo-sobre-Fundos-de-investimento-imobiliario.jpg\" alt=\"imagem com duas pessoas segurando uma chave de uma casa em m\u00e3os ao pesquisar tudo sobre fundos imobili\u00e1rios\">\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\/fundos-investimento-imobiliario\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Todo sobre Fondos de Inversi\u00f3n Inmobiliaria\">\n            Todo sobre Fondos de Inversi\u00f3n Inmobiliaria        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00bfQuieres saber todo sobre los fondos de inversi\u00f3n inmobiliarios? Entonces est\u00e1s en el lugar correcto. \u00a1Mira hoy c\u00f3mo funcionan y las ventajas de apostar por ellos!         <\/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\/fundos-investimento-imobiliario\/\"  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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Es una tarifa simple, que se cobra anualmente sobre las transacciones financieras. En otras palabras, se define \u00fanicamente como el inter\u00e9s de cualquier tipo de pr\u00e9stamo monetario.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>As\u00ed, a pesar de cobrarse anualmente, se puede calcular seg\u00fan el tipo de pr\u00e9stamo: semestral, anual o incluso trimestral.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Adem\u00e1s, la principal definici\u00f3n del TAN es que no tiene incorporado ning\u00fan tipo de impuesto adicional, ni otros cargos de cr\u00e9dito. Por lo tanto, \u00a1tenga cuidado al comparar pr\u00e9stamos utilizando solo esto como base!<\/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-cuidados-com-a-diferenca-da-tan-e-taeg-ao-comparar-os-emprestimos\">\u00a1Ojo con la diferencia entre TAN y APR al comparar pr\u00e9stamos!<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por tanto, se puede decir que la mayor diferencia entre el TAN y la TAE son los cargos y cargas adicionales a los intereses de alg\u00fan tipo de pr\u00e9stamo. Por este motivo, cabe destacar que en los contratos el valor del TAN es inferior a la TAE.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>En otras palabras, \u00a1priorice siempre la comparaci\u00f3n de la APR! Esto se debe a que, a menudo, el TAN de un banco puede ser incluso m\u00e1s bajo. Pero, al comparar otras tarifas, \u00a1el monto total puede terminar siendo mayor!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por lo tanto, en situaciones de pr\u00e9stamo con el mismo plazo, monto, modalidad y condiciones de amortizaci\u00f3n, \u00a1la propuesta con la TAE m\u00e1s baja ser\u00e1 la m\u00e1s barata para ti!<\/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-conheca-mais-plataforma-linha-valor\">M\u00e1s informaci\u00f3n: Plataforma Linha Valor<\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Ahora que comprende mejor la diferencia entre TAN y APR, \u00bfest\u00e1 listo para encontrar el pr\u00e9stamo ideal para usted? Adem\u00e1s, existen plataformas que pueden ayudarte a encontrar el mejor camino.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>Por eso, te presentamos Linha Valor, una plataforma de marketing digital que funciona como un centro de b\u00fasqueda y comparaci\u00f3n en Internet. De esta manera, el sitio web le presentar\u00e1 opciones de cr\u00e9dito consolidado.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Esta es una excelente manera de deshacerse de sus deudas crediticias negoci\u00e1ndolas con otras instituciones! Entonces, si desea comprender m\u00e1s sobre c\u00f3mo funciona la plataforma, \u00a1puede consultar nuestra revisi\u00f3n!<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left\">\n<p>\u00a1Acceda al siguiente enlace y no pierda tiempo para gastar menos en los intereses de sus deudas pendientes de pr\u00e9stamo!<\/p>\n<\/div><div class=\"wp-block-lazyblock-cta lazyblock-cta-Z1iFBhW\">\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\/conheca-plataforma-linha-valor\/\"  data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Plataforma Linha Valor: \u00bfc\u00f3mo funciona?\">\n          <div class=\"m-auto float-none\">\n            <img loading=\"lazy\" src=\"https:\/\/senhorcartao.com\/wp-content\/uploads\/2023\/03\/2-7.jpg\" alt=\"M\u00e3o colocando moeda em monte\">\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\/conheca-plataforma-linha-valor\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Plataforma Linha Valor: \u00bfc\u00f3mo funciona?\">\n            Plataforma Linha Valor: \u00bfc\u00f3mo funciona?        <\/a>\n      <\/h2>\n      <div class=\"w-full md:w-3\/5 md:pl-6\">\n        <p class=\"text-center md:text-left leading-relaxed text-base\">\n            \u00bfQuieres obtener cr\u00e9dito consolidado? Entonces, sepa que a trav\u00e9s de Linha Valor es posible encontrar opciones seguras y en l\u00ednea registradas por el Banco de Portugal.         <\/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\/conheca-plataforma-linha-valor\/\"  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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