¿Crédito educativo? ¿Qué es? Lee esta mini guía que hemos preparado para ti.  ✨

Un crédito educativo es la herramienta ideal que necesitas para la consecución de tus objetivos; enfocados al aspecto de la educación. 

Adicionalmente, debes saber que un crédito se divide en dos categorías y los conceptos que se cubren son diferentes. Averigua cuál es el que tú necesitas 👇🏼

Para estudios en México

  • Un crédito te ayudará a financiar el 100% de tus estudios superiores. Por ejemplo, tu licenciatura, maestria, doctorado. Es decir, el monto que solicitas es aplicable para inscripción, reinscripción, colegiaturas, adeudos, gastos de titulación e intercambios académicos. 
  • Se puede financiar los periodos que elijas o inclusive solo algunos. Por ejemplo, existen personas que pasan por un mal momento financiero que les impide desembolsar el total de un semestre, un crédito, es aplicable para esa situación también.

Para estudios en el extranjero

  • Por ejemplo, si lo que quieres es ir a estudiar a otro país, pero no cuentas con los fondos económicos suficientes que un viaje de esta categoría requiere. Esta es tu alternativa. 
  • Ya sea que hayas salido becado en un programa académico en el exterior pero tu beca no cubre la manutención, boletos de avión, gastos de viaje o algún otro concepto, puedes solicitar a partir de $25,000.00 MXN 
  • Necesitas tener una carta de aceptación.

Aspectos importantes

  • Los pagos son fijos y personalizados, se hace un plan de acuerdo con tus ingresos para que sea sencillo de pagar mientras cumples tus metas educativas. 
  • Con Laudex, tus pagos comienzan aproximadamente 1 mes después de que se firma el contrato. 
  • Ten en cuenta que un crédito educativo, funciona como cualquier otro. Muchas personas tienen la creencia de que, por un día que no paguen, no pasa nada. Piensa en tu tarjeta de crédito, si te atrasas un día, los intereses moratorios se comienzan a generar. Lo ideal, es que si te encuentras en una situación desfavorable, te pongas en contacto directo y lo más pronto posible con la financiera a fin de encontrar una solución, seguro la hay. 😃

Consejos que debes tomar en cuenta

  • Es fundamental estar bien informados. Realiza un comparativo entre distintas financieras y elige la alternativa que sea más conveniente con tu estilo de vida y objetivos académicos. 
  • Una vez que has tomado una decisión, necesitas leer absolutamente bien el contrato antes de firmar. Informarte sobre cada concepto, plan de pagos, los intereses, el tiempo por el cual estarás pagando el crédito para evitar sorpresas en el futuro. 
  • También, no te olvides de revisar tu simulador con el objetivo de que sepas cómo funcionan los pagos, cuando terminarás de liquidarlo y qué cantidad debes abonar cada mes. 
  • Revisa qué es lo que realmente puede cubrir el crédito de tu elección. Por ejemplo, para estudios en México, no se cubren exámenes extraordinarios, transporte o manutención o compra de material escolar. Por ello, pregunta todas tus dudas a tu asesor antes de tomar una decisión tan trascendental como esta. 
  • Evalúa si realmente un financiamiento es lo que necesitas. No es lo mismo ahorrar unos meses para cumplir tu objetivo a que si por ejemplo, tuvieras hacerlo durante 7 años para llegar. Mantén en claro tus prioridades y toma una decisión consciente. Al final, es un compromiso que durará algunos meses y/o años. 
  • Otro punto esencial es que, un financiamiento NO es una beca, ni tampoco una ayuda gratuita milagrosa. Significa que solicitarás una cantidad de dinero para cumplir tus metas académicas, y posteriormente, tendrás que devolver el monto requerido más los interéses.

Cuándo sí solicitarlo

  • Cuando ya realizaste un plan y sabes que es el camino que necesitas. Por ejemplo, para financiar tu maestría en el extranjero. Tienes que ser cosciente que son inversiones que te beneficiarán a futuro.
  • Cuando has sido acreedor de una beca pero necesitas más fondos económicos. Cuando necesitas una ayuda extra para terminar de pagar tu carrera.
  • Otro ejemplo es cuando requieres apoyo para tus gastos de titulación o a tus papás se les complicó pagar algunos periodos de tu carrera. 
  • Cuando el programa académico que requieres es beneficioso para ti pero se te dificulta pagarlo en una sola exhibición o las colegiaturas son muy pesadas.

Recomendaciones finales

  • Analiza todas las ofertas del mercado y aquella financiera que te otorgue más beneficios. 
  • Pregunta si tienes planes para abonar a capital (te ayudará a reducir intereses) y terminar de pagar tu crédito antes de lo esperado. 
  • Haz un plan inteligente de estudios que te permita generar ingresos adicionales (Por ejemplo, si quieres estudiar en otro país, elige alguno en el cual puedas estudiar y trabajar. Además, te ayudará a aprender el idioma o experimentar nuevas culturas) .
  • Verifica que los créditos no sean variables. Es decir, que sea siempre en pesos y sin riesgos cambiarios. 
  • Como muchas cosas en la vida, que tu crédito no absorba la mayoría de tus ingresos. Toma en cuenta que necesitas cubrir ciertos gastos fijos y variables. Adicionalmente, el financiamiento. 
  • Cuando busques un obligado solidario, háblales con la verdad y asegúrate de compartir toda la información con ellos. Al fin y al cabo, es una responsabilidad compartida.

¿Cómo obtener un crédito?

¡Perfecto! Gracias por llegar hasta este punto. 

Cuando ya tengas definido tu programa académico y objetivo (comenzar, retomar o finalizar estudios), escríbenos para ponerte en contacto con un asesor que resolverá todas tus preguntas y será tu guía en este mundo financiero. 

 

Ingresando en 👇🏼

Importante: *No te olvides de revisar los requisitos y asegurarte que cumples con ellos, antes de iniciar tu proceso. 😊

Próximos pasos

  1. Una vez que estemos en contacto, llenaremos juntos tu solicitud de pre-aprobación. Con el objetivo de saber si eres candidato al crédito educativo.
  2. Sube tus documentos. Los confirmaremos y validaremos que todo esté en orden.
  3. Recibe y firma tu contrato. ¡Y listo! Programamos el depósito para la universidad para que comiences tus estudios.

 

Hemos llegado al final de esta mini guía. Cuéntanos si te resultó útil o escribe las preguntas que tengas y las responderemos lo más pronto posible. ¡Un abrazo a la distancia! 💚

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