Los 14 conceptos que necesitas conocer de tu crédito educativo.✨

  • El mundo de los créditos no debe ser complicado en lo absoluto y sabemos que no siempre dominamos todo a la perfección. Así que en el blog de hoy te vamos a explicar con peras y manzanas algunos conceptos que te ayudarán a entender tu crédito educativo. 

  • Queremos que estés informado y preparado para que tomes decisiones inteligentes y bien fundamentadas, después de todo es tu derecho a tener acceso a la información. 

Asesor Laudex

  • Será tu guía que estará en cada etapa del proceso, desde que tu pre-aprobación hasta concluir. A esta persona puedes preguntarle absolutamente todas las dudas que tengas, está siempre para apoyarte y resolver cualquier cuestión con el fin de que estés tranquilo y sobre todo, informado. 

Buró de Crédito

  • A diferencia de lo que muchos piensan, el Buró de Crédito no es nada negativo o a quien deberías temer. Es más bien, una empresa privada que se encarga de administrar toda la información respecto a los créditos que una persona ha solicitado o tenido durante su vida, proporcionándole a instituciones financieras, como Laudex, para saber si eres candidato o no a un financiamiento.

Capital

  • Es la cantidad de dinero que recibimos por parte de la institución financiera y, que debemos devolver más los intereses y las comisiones pactadas al inicio del contrato del crédito. 

CAT

  • El Costo Anual Total, al ser un indicador, te ayudará a saber cuánto terminarás pagando al final de tu financiamiento. También te permite evaluar diferentes opciones y elegir la que es mejor para tu bolsillo. Se representa con porcentaje. 

Comisiones

  • Son cantidades que se cobran por ciertas gestiones necesarias. Por ejemplo, la comisión por apertura que ayuda a formalizar el crédito y la entrega del dinero al solicitante. 

Contrato

  • Es un acuerdo voluntario entre dos partes: deudor (quien solicita un crédito) y acreedor (quien otorga el dinero prestado con la condición de que sea devuelto más tarde). 

Crédito educativo

  • Básicamente es dinero que presta una institución financiera (como Laudex) a alguien que necesita esta cantidad con el fin de cubrir y/o pagar sus estudios. Con el compromiso de que el solicitante pague en una fecha determinada más los respectivos intereses. 

Historial crediticio

  • Es tu carta de presentación ante las instituciones financieras. En este reporte, generado por el Buró de Crédito, las empresas pueden saber el comportamiento (positivo o negativo) que has tenido con créditos anteriores. 

  • Piensa que es como, si antes de prestarle dinero a alguien, pudieras saber si ha pagado exitosamente sus créditos o si no los pagó o se demoró en hacerlo. 

Interés

  • Es el costo que se paga por usar el dinero recibido en préstamo durante un período determinado. Los intereses están regulados por una tasa o porcentaje de interés.

Interés moratorio

  • Muchos podemos tener la creencia de que, no pasa nada si pago un día después de la fecha de pago estipulada pero ¡GRAN ERROR! 

  • En cualquier tipo de crédito, no solo en los educativos, es esencial respetar las fechas. De no hacerlo, así pase un día, se estarían generando intereses moratorios que básicamente son aquellos que se originan por no pagar en tiempo y forma. Conforme más días pasen, esta cantidad se irá incrementando.

  • Entonces, en resumidas cuentas, el interés moratorio es una tasa de capital que se suma a la tasa de interés establecida al momento de contratar un crédito. Se generan por incumplimiento de los pagos programados al crédito.

  • Por ello, recomendamos que domicilies tu cuenta con el fin de que Laudex tome en automático el monto de tu mensualidad o simplemente programar y tener tus fechas de pago, muy presentes en el calendario.

Línea de crédito

  • Es la autorización de crédito por parte de una institución financiera, en las que el acreditado (persona que solicitó un crédito) puede realizar o requerir disposiciones de dinero, en los términos establecidos en el contrato de crédito.

Mensualidad

  • Es la cantidad de dinero que pagarás cada mes para fomentar el cumplimiento de tu crédito. 

Por ejemplo, supongamos que he solicitado $100,000.00 MXN para irme a estudiar a Nueva York, mis mensualidades quedarían de $3,420.00 MXN*. (Está tan solo es una simulación, para solicitar más información, por favor escríbenos vía WhatsApp). 😊

Obligado Solidario

  • Es el co titular del crédito. Es decir, es una persona que tiene los mismos derechos y responsabilidades que tú. Generalmente, es una persona de nuestra confianza, que cree en nosotros y que está ahí para respaldarnos. 
  • Por ejemplo, si en alguna ocasión no puedes pagar tu financiamiento, tu Obligado Solidario tiene la responsabilidad de asumir el monto y realizar el pago del crédito e incluso, de respaldarte pagándolo todos los meses (en caso de que estuvieras estudiando y no tuvieras un ingreso extra).
  • Otra situación es la siguiente, supongamos que yo quiero solicitar un crédito educativo para pagar mis estudios en el extranjero o en México, sin embargo tengo un sueldo que me permite solventarlo por mi mismo y aún así necesito un Obligado Solidario; en este caso mi papá. Él me ayudó a realizar el trámite y depositó su confianza en mí, de que pagaré puntualmente y la cantidad requerida cada mes. De esta forma, yo me hago responsable de pagar mi crédito mientras tuve el apoyo de mi familia para comenzar el trámite.
  • Por ello, la elección de esta figura es de suma importancia. Cuando hables con papá, mamá, tu tío favorito, tu best friend o un conocido, sé transparente con ellos para evitar malos entendidos en el futuro y llegar a un acuerdo juntos en el que estén satisfechos. 

Plazo

El periodo de tiempo que tienes para terminar de pagar tu crédito. Por ejemplo, pagarás tu crédito a 48 meses, una vez terminado ese período, está liquidado. 

Déjanos saber si te gustaría que expliquemos algún otro concepto 💙

Recuerda que ahora con tu financiamiento educativo Laudex es posible iniciar, retomar o concluir con tus estudios sin que el dinero sea una limitante. 🤑✨

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