{"id":6883,"date":"2014-03-04T10:05:20","date_gmt":"2014-03-04T16:05:20","guid":{"rendered":"http:\/\/www.figueroafinancial.com\/?p=6883"},"modified":"2014-03-04T07:05:02","modified_gmt":"2014-03-04T13:05:02","slug":"evita-la-trampa-de-co-firmar-por-un-prestamo","status":"publish","type":"post","link":"https:\/\/www.figueroafinancial.com\/es\/2014\/03\/04\/evita-la-trampa-de-co-firmar-por-un-prestamo\/","title":{"rendered":"Evita La Trampa de Co-firmar Por Un Pr\u00e9stamo"},"content":{"rendered":"<!--powerpress_player--><div class=\"powerpress_player\" id=\"powerpress_player_2604\"><audio class=\"wp-audio-shortcode\" id=\"audio-6883-1\" preload=\"none\" style=\"width: 100%;\" controls=\"controls\"><source type=\"audio\/mpeg\" src=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Podcast-Mar-05-2014.mp3?_=1\" \/><a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Podcast-Mar-05-2014.mp3\">http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Podcast-Mar-05-2014.mp3<\/a><\/audio><\/div><p class=\"powerpress_links powerpress_links_mp3\" style=\"margin-bottom: 1px !important;\">Podcast: <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Podcast-Mar-05-2014.mp3\" class=\"powerpress_link_pinw\" target=\"_blank\" title=\"Reproducir en una nueva ventana\" onclick=\"return powerpress_pinw('https:\/\/www.figueroafinancial.com\/es\/\/?powerpress_pinw=6883-podcast');\" rel=\"nofollow\">Reproducir en una nueva ventana<\/a> | <a href=\"http:\/\/media.blubrry.com\/ayuda_y_esperanza\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Podcast-Mar-05-2014.mp3\" class=\"powerpress_link_d\" title=\"Descargar\" rel=\"nofollow\" download=\"Podcast-Mar-05-2014.mp3\">Descargar<\/a><\/p><p class=\"powerpress_links powerpress_subscribe_links\">Suscr\u00edbete: <a href=\"https:\/\/subscribebyemail.com\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_email\" target=\"_blank\" title=\"Suscr\u00edbete por correo electr\u00f3nico\" rel=\"nofollow\">Correo electr\u00f3nico<\/a> | <a href=\"https:\/\/www.figueroafinancial.com\/es\/feed\/podcast\/\" class=\"powerpress_link_subscribe powerpress_link_subscribe_rss\" target=\"_blank\" title=\"Suscr\u00edbete v\u00eda RSS\" rel=\"nofollow\">RSS<\/a><\/p><p><a href=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Porque-Debes-Evitar-Co-firmar.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft  wp-image-6888\" alt=\"Evita La Trampa de Co-firmar Por Un Pr\u00e9stamo\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2014\/03\/Porque-Debes-Evitar-Co-firmar.jpg\" width=\"260\" height=\"164\" \/><\/a>\u00a1Bienvenidos al nuevo episodio del Podcast \u201c<span style=\"color: #008000;\"><b><i>Ayuda y Esperanza para Tus Finanzas<\/i><\/b><\/span>\u201d! Estoy muy agradecido de que est\u00e9s conmigo de nuevo esta semana.<\/p>\n<p>La deuda es sin duda el estilo de vida americano. Estamos acostumbrados a obtener pr\u00e9stamos para cualquier cosa y para todo lo que consideramos necesario.<\/p>\n<p>Existe el mito de que la deuda es simplemente una herramienta necesaria para prosperar con el dinero.<\/p>\n<p>Mientras que normalmente hablo de c\u00f3mo tu puedes vivir sin deudas, hoy quiero hablarte de sobre <span style=\"color: #008000;\"><em><strong>c<\/strong><strong>\u00f3mo evitar la trampa de co-firmar para otra persona en un pr\u00e9stamo.<\/strong><\/em><\/span><\/p>\n<p><a title=\"Suscr\u00edbete al Podcast aqu\u00ed.\" href=\"itms:\/\/itunes.apple.com\/us\/podcast\/ayuda-y-esperanza-para-tus\/id717724952?mt=2\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-6136\" alt=\"Suscribete al Podcast\" src=\"http:\/\/www.figueroafinancial.com\/wp-content\/uploads\/2013\/11\/Podcast-CTA-SM.jpg\" width=\"200\" height=\"39\" \/><\/a><\/p>\n<h2><em>Resumen del Episodio<\/em><\/h2>\n<p>\u00bfQu\u00e9 significa el\u00a0<span style=\"color: #008000;\"><b><i>dar una firma<\/i><\/b><\/span>\u00a0o\u00a0<span style=\"color: #008000;\"><b><i>co-firmar<\/i><\/b><\/span>? Esto ocurre cuando una persona que solicita un pr\u00e9stamo (pr\u00e9stamo de auto, hipoteca, pr\u00e9stamos estudiantiles, tarjetas de cr\u00e9dito, etc.), no puede obtener el cr\u00e9dito en base a su historial de cr\u00e9dito y su situaci\u00f3n financiera.<\/p>\n<p>El banco necesita que una tercera entidad entre en la transacci\u00f3n, para poder tener mayor seguridad de que el pr\u00e9stamo ser\u00e1 pagado.<\/p>\n<p>Estas son las consecuencias de ceder a la tentaci\u00f3n de tratar de ayudar a alguien por la\u00a0<b><i><span style=\"color: #008000;\">co-firma<\/span>:<\/i><\/b><\/p>\n<ul>\n<li>Vas a\u00a0<span style=\"color: #008000;\"><b><i>perjudicar<\/i><\/b>\u00a0<\/span>en lugar de ayudar a tu amigo \/ pariente.<\/li>\n<li>Tu amigo o familiar\u00a0<span style=\"color: #008000;\"><b><i>no va a pagar<\/i><\/b><\/span>\u00a0el pr\u00e9stamo.<\/li>\n<li>Tu\u00a0<span style=\"color: #008000;\"><b><i>cr\u00e9dito<\/i><\/b><\/span>\u00a0se ver\u00e1 afectado.<\/li>\n<li>El banco\u00a0<span style=\"color: #008000;\"><b><i>vendr\u00e1 a ti<\/i><\/b><\/span>\u00a0para que pagues el dinero.<\/li>\n<li>Lo m\u00e1s probable es que\u00a0<span style=\"color: #008000;\"><b><i>vas a perder la relaci\u00f3n<\/i><\/b><\/span>\u00a0con tu amigo \/ pariente.<\/li>\n<\/ul>\n<h2><em>Recursos Mencionados en el Episodio<\/em><\/h2>\n<ul>\n<li><a href=\"http:\/\/www.figueroafinancial.com\/recommended-reading\/\">Libros Recomendados<\/a><\/li>\n<\/ul>\n<p>No caigas en la trampa de la co-firma. Si tienes la capacidad financiera para ayudar, ayuda a tu amigo \/ pariente d\u00e1ndoles el dinero.<\/p>\n<p align=\"center\"><span style=\"color: #008000;\"><b><i>\u201c<\/i><\/b><b><i>El hombre falto de entendimiento<\/i><\/b><b><i>\u00a0<\/i><\/b><b><i>se compromete,<\/i><\/b><b><i> y sale fiador a favor de su pr\u00f3jimo.<\/i><\/b><b><i>\u201d<br \/>\nProverbios 17:18 (LBLA)<\/i><\/b><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mientras que normalmente hablo de c\u00f3mo tu puedes vivir sin deudas, hoy quiero hablarte de sobre c\u00f3mo evitar la trampa de la co-firma para otra persona en un pr\u00e9stamo. \u00bfQu\u00e9 significa el dar una firma o co-firmar? <\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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