{"id":2162,"date":"2023-12-01T03:46:47","date_gmt":"2023-12-01T03:46:47","guid":{"rendered":"https:\/\/avista.co\/?p=2162"},"modified":"2023-12-18T16:55:07","modified_gmt":"2023-12-18T21:55:07","slug":"avista-te-explica-que-es-un-credito-de-libranza-y-por-que-tener-uno","status":"publish","type":"post","link":"https:\/\/avista.co\/avista-te-explica-que-es-un-credito-de-libranza-y-por-que-tener-uno\/","title":{"rendered":"Avista te explica \u00bfQu\u00e9 es un cr\u00e9dito de libranza? y \u00bfpor qu\u00e9 tener uno?"},"content":{"rendered":"<p>Empecemos explicando qu\u00e9 es exactamente un cr\u00e9dito de libranza con\u00a0<a href=\"https:\/\/avista.co\/\">Avista\u00a0<\/a>de una manera clara y sencilla:<\/p>\n<p>Un cr\u00e9dito de libranza es aquel que solicitas a trav\u00e9s de una entidad que tenga convenio con la empresa para la que trabajas o con tu fondo de pensiones, dado que el pago de las cuotas mensuales se debitar\u00e1 autom\u00e1ticamente de tu n\u00f3mina o pensi\u00f3n. En este tipo de cr\u00e9ditos t\u00fa autorizas a la entidad empleadora o fondo de pensiones a descontar de tu n\u00f3mina o pensi\u00f3n la cuota asociada a este cr\u00e9dito.<\/p>\n<p>Entre las condiciones m\u00e1s importantes a tener est\u00e1n: n\u00famero de cuotas, tasa de inter\u00e9s y el monto o valor de la cuota. Aqu\u00ed va un ejemplo simple para que entiendas mejor la din\u00e1mica de un cr\u00e9dito de libranza:<\/p>\n<p>La se\u00f1ora Mar\u00eda tiene 65 a\u00f1os, es pensionada, y desea comprar un autom\u00f3vil que le encant\u00f3 para ir a visitar a su familia y compartir con ellos, el problema es que actualmente no cuenta con todo el dinero para pagarlo de contado, raz\u00f3n por la cual la se\u00f1ora Mar\u00eda empieza a buscar en internet una entidad con la cu\u00e1l su fondo de pensiones tenga convenio y pueda solicitar un cr\u00e9dito. En esta b\u00fasqueda se encuentra con Avista e inmediatamente habla con un asesor, quien le explica detalladamente todo el proceso y las condiciones del cr\u00e9dito; despu\u00e9s de esto, la se\u00f1ora Mar\u00eda decide tomar su cr\u00e9dito y compra el carro de sus sue\u00f1os pag\u00e1ndolo en cuotas bajas que son directamente de su mesada de pensi\u00f3n.<\/p>\n<h2>Ventajas de los cr\u00e9ditos de libranza:<\/h2>\n<ul>\n<li>No requieres un codeudor, aval o garant\u00eda adicional al compromiso del descuento de la cuota de tu n\u00f3mina o pensi\u00f3n.<\/li>\n<li>Es un cr\u00e9dito que puedes utilizar en lo que tu desees: negocios, entretenimiento, educaci\u00f3n entre otros.<\/li>\n<li>Es un cr\u00e9dito con tasa de inter\u00e9s competitivas frente a otras opciones del mercado. Cont\u00e1ctanos al\u00a0<a href=\"https:\/\/avista.co\/blog\/que-es-un-credito-de-libranza-y-por-que-tener-uno\/%3Ca%20href=%22tel:3009121211%22%3ELl%C3%A1manos%3C\/a%3E\">3009121211<\/a>\u200b y conoce nuestra oferta para ti.<\/li>\n<li>Olvidarte de pagar tus cuotas ahora no ser\u00e1 un problema, el mecanismo de cr\u00e9dito de libranza, al ser un d\u00e9bito autom\u00e1tico de tu pensi\u00f3n o n\u00f3mina, te ahorrar\u00e1 la molestia de hacer los pagos cada mes. En Avista podemos prestarte aunque est\u00e9s reportado en una central de riesgo.<\/li>\n<li>\u00a0Mantendr\u00e1s un comportamiento financiero muy sano, las cuotas al ser autom\u00e1ticas te permitir\u00e1n no caer en mora y as\u00ed mismo acumular experiencia crediticia.<\/li>\n<li>Existe mayor facilidad al momento de acceder al cr\u00e9dito, con pocos documentos podr\u00e1s realizar el procedimiento.<\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Empecemos explicando qu\u00e9 es exactamente un cr\u00e9dito de libranza con\u00a0Avista\u00a0de una manera clara y sencilla: Un cr\u00e9dito de libranza es aquel que solicitas a trav\u00e9s de una entidad que tenga convenio con la empresa para la que trabajas o con tu fondo de pensiones, dado que el pago de las cuotas mensuales se debitar\u00e1 autom\u00e1ticamente [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2163,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[78],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Avista te explica \u00bfQu\u00e9 es un cr\u00e9dito de libranza? 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