{"id":919,"date":"2024-03-19T09:33:31","date_gmt":"2024-03-19T09:33:31","guid":{"rendered":"https:\/\/giropunt.cat\/?p=919"},"modified":"2024-04-09T12:48:25","modified_gmt":"2024-04-09T12:48:25","slug":"calcul-de-les-quotes-de-devolucio-dun-prestec","status":"publish","type":"post","link":"https:\/\/giropunt.cat\/es\/calcul-de-les-quotes-de-devolucio-dun-prestec\/","title":{"rendered":"C\u00e1lculo de las cuotas de devoluci\u00f3n de un pr\u00e9stamo"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"919\" class=\"elementor elementor-919\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b3507e2 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1b3507e2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_bottom&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-bottom\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b6f5759 elementor-widget elementor-widget-button\" data-id=\"b6f5759\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/giropunt.cat\/es\/calculadores\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-caret-square-left\" viewbox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M272 157.1v197.8c0 10.7-13 16.1-20.5 8.5l-98.3-98.9c-4.7-4.7-4.7-12.2 0-16.9l98.3-98.9c7.5-7.7 20.5-2.3 20.5 8.4zM448 80v352c0 26.5-21.5 48-48 48H48c-26.5 0-48-21.5-48-48V80c0-26.5 21.5-48 48-48h352c26.5 0 48 21.5 48 48zm-48 346V86c0-3.3-2.7-6-6-6H54c-3.3 0-6 2.7-6 6v340c0 3.3 2.7 6 6 6h340c3.3 0 6-2.7 6-6z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver atr\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4c4814ce elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4c4814ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInLeft&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00e1lculo de las tasas de retorno de un pr\u00e9stamo<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-13086b20 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"13086b20\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Esta hoja de c\u00e1lculo le permitir\u00e1 calcular las cuotas mensuales de un pr\u00e9stamo, seg\u00fan sea el principal solicitado y el tipo de inter\u00e9s aplicado.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5631449 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5631449\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7608639 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no elementor-invisible e-con e-child\" data-id=\"7608639\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-08a8725 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"08a8725\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\t1. Pr\u00e9stamo\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5d7d13 elementor-widget elementor-widget-text-editor\" data-id=\"e5d7d13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Utilice los pr\u00e9stamos para financiar necesidades de activo fijo. Si lo que necesita es financiar desfases de tesorer\u00eda (por desfase entre cobros y pagos, compra de mercanc\u00edas, etc.), utilice p\u00f3lizas de cr\u00e9dito o descuento comercial.<\/p><p>Ajuste el plazo de devoluci\u00f3n a la vida \u00fatil del activo financiado, sin pasarse:<\/p><ul><li>La generaci\u00f3n de tesorer\u00eda que le supondr\u00e1 la nueva inversi\u00f3n le ayudar\u00e1 a cancelar m\u00e1s c\u00f3modamente el pr\u00e9stamo.<\/li><li>Si pretende amortizarlo demasiado r\u00e1pido, las cuotas del pr\u00e9stamo ser\u00e1n muy altas y tendr\u00e1 que destinar recursos procedentes de otras fuentes para cancelarlo.<\/li><li>Si pretende amortizarlo a muy largo plazo (para reducir el importe de las cuotas), es posible que el activo sea obsoleto y que todav\u00eda tenga alg\u00fan importe pendiente de amortizar, con la dificultad que esto puede suponer para financiar la renovaci\u00f3n del activo.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5955ad6 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"5955ad6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\t2. Solicite un per\u00edodo de carencia\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c18792f elementor-widget elementor-widget-text-editor\" data-id=\"c18792f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Es posible solicitar un per\u00edodo de carencia, es decir, un per\u00edodo durante el cual s\u00f3lo se paguen intereses, sin devoluci\u00f3n del principal.<\/p><p>Justifique el per\u00edodo de carencia aportando sus previsiones de tesorer\u00eda. En general, es aconsejable solicitar este per\u00edodo de carencia en inversiones necesarias para el inicio de la actividad o para nuevos proyectos en los que durante los primeros meses se prevean ingresos inferiores a los normales. Piense que los bancos no ver\u00e1n con buenos ojos este per\u00edodo de carencia si el pr\u00e9stamo se destina a renovar maquinaria, ya que en este caso, el negocio ya est\u00e1 en marcha.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f7a7b2 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"0f7a7b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\t3. Garant\u00edas parciales\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2baf53c elementor-widget elementor-widget-text-editor\" data-id=\"2baf53c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En el caso de fraccionamientos, otorgue un aval para cada uno de los pagos que deba realizar, con el fin de no tener que esperar el pago de todos los plazos para poder cancelarlo.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2981241 elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"2981241\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\t4. Si no le conceden el aval\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-711ca2e elementor-widget elementor-widget-text-editor\" data-id=\"711ca2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Deber\u00e1 justificar a la Administraci\u00f3n que no le han concedido el compromiso irrevocable de aval (aporte una carta de su banco denegandoselo), y proponga como garant\u00eda una prenda sin desplazamiento sobre alguno de sus activos. Aporte en este caso una valoraci\u00f3n imparcial de estos activos y copia de sus \u00faltimas cuentas anuales e informe de auditor\u00eda, si existe.<\/p><p>Solicite dispensa de garant\u00edas si no dispone de bienes suficientes y la ejecuci\u00f3n de su patrimonio pudiera afectar sustancialmente a su capacidad productiva o de trabajo.<\/p><p>En caso de que la garant\u00eda sea aval de entidad de cr\u00e9dito o de Sociedad de Garant\u00eda Rec\u00edproca, o un seguro de cauci\u00f3n, la cantidad aplazada devenga el inter\u00e9s legal del dinero. En el resto de casos, se reporta el inter\u00e9s de demora.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0255fd elementor-widget-divider--view-line_text elementor-widget-divider--element-align-center elementor-widget elementor-widget-divider\" data-id=\"b0255fd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t\t<span class=\"elementor-divider__text elementor-divider__element\">\n\t\t\t\t5. Mientras espera\t\t\t\t<\/span>\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-afb336d elementor-widget elementor-widget-text-editor\" data-id=\"afb336d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La Administraci\u00f3n dispone de seis meses para contestarle. Si dentro de este per\u00edodo \u2013y antes de haber recibido la respuesta\u2013 se produce el vencimiento de uno de los pagos propuestos, efect\u00faelo.<\/p><p>Si le deniegan el aplazamiento, procede al pago en la fecha que se le indique en la resoluci\u00f3n, m\u00e1s los intereses de demora correspondientes. Todo esto sin perjuicio de la posible reclamaci\u00f3n contra la denegaci\u00f3n.<\/p><p>En caso de errores en la solicitud, le requerir\u00e1n para que los solucione en el plazo de diez d\u00edas:<\/p><ul><li>Si no atiende el requerimiento, la solicitud se entiende por no presentada.<\/li><li>Si se atiende al requerimiento pero la Administraci\u00f3n entiende que no est\u00e1 solucionado, se deniega la solicitud.<\/li><li>Tambi\u00e9n se entiende como no presentada la solicitud de aplazamiento de deudas inaplazables, o la solicitud de deudas derivadas de autoliquidaci\u00f3n si \u00e9sta no se ha presentado antes o conjuntamente con la solicitud de aplazamiento.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e469f9 elementor-widget elementor-widget-html\" data-id=\"6e469f9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe class=\"basic_simulator\" src=\"https:\/\/externo.lefebvre.es\/contenido\/cal-100?identrada=eHRncX1naw%3D%3D\" frameborder=\"0\" height=\"565px\"><\/iframe>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b29c6d e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6b29c6d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;shape_divider_top&quot;:&quot;tilt&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-shape elementor-shape-top\" aria-hidden=\"true\" data-negative=\"false\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 1000 100\" preserveaspectratio=\"none\">\n\t<path class=\"elementor-shape-fill\" d=\"M0,6V0h1000v100L0,6z\"\/>\n<\/svg>\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1d9053 elementor-widget elementor-widget-heading\" data-id=\"e1d9053\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Contenido relacionado<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e553ea9 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"e553ea9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8742917 elementor-grid-eael-col-3 elementor-grid-tablet-eael-col-2 elementor-grid-mobile-eael-col-1 elementor-widget elementor-widget-eael-post-grid\" data-id=\"8742917\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;eael_post_grid_columns&quot;:&quot;eael-col-3&quot;,&quot;eael_post_grid_columns_tablet&quot;:&quot;eael-col-2&quot;,&quot;eael_post_grid_columns_mobile&quot;:&quot;eael-col-1&quot;}\" data-widget_type=\"eael-post-grid.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"eael-post-grid-8742917\" class=\"eael-post-grid-container\">\n            <div class=\"eael-post-grid eael-post-appender eael-post-appender-8742917 eael-post-grid-style-one\" data-layout-mode=\"grid\"><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-919 category-calculadores tags-mercantil\" data-id=\"919\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/giropunt.cat\/es\/calcul-de-les-quotes-de-devolucio-dun-prestec\/\" title=\"C\u00e1lculo de las cuotas de devoluci\u00f3n de un pr\u00e9stamo\">C\u00e1lculo de las cuotas de devoluci\u00f3n de un pr\u00e9stamo<\/a><\/h2><\/header><div class=\"eael-entry-header-after\"><div class=\"eael-entry-meta\"><span class=\"eael-posted-on\"><time datetime=\"19 de marzo de 2024\">19 de marzo de 2024<\/time><\/span><\/div><\/div><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>Esta hoja de c\u00e1lculo le permitir\u00e1 calcular las cuotas mensuales...<\/p><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><article class=\"eael-grid-post  eael-post-grid-column eael-pg-post-901 category-calculadores tags-mercantil\" data-id=\"901\">\n        <div class=\"eael-grid-post-holder\">\n            <div class=\"eael-grid-post-holder-inner\"><div class=\"eael-entry-wrapper\"><header class=\"eael-entry-header\"><h2 class=\"eael-entry-title\"><a class=\"eael-grid-post-link\" href=\"https:\/\/giropunt.cat\/es\/interessos-per-demora-en-el-pagament-doperacions-comercials\/\" title=\"Intereses por demora en el pago de operaciones comerciales\">Intereses por demora en el pago de operaciones comerciales<\/a><\/h2><\/header><div class=\"eael-entry-header-after\"><div class=\"eael-entry-meta\"><span class=\"eael-posted-on\"><time datetime=\"19 de marzo de 2024\">19 de marzo de 2024<\/time><\/span><\/div><\/div><div class=\"eael-entry-content\">\n                        <div class=\"eael-grid-post-excerpt\"><p>Utilice esta hoja de Excel para calcular los intereses que deber\u00e1...<\/p><\/div>\n                    <\/div><\/div><\/div>\n        <\/div>\n    <\/article><\/div>\n            <div class=\"clearfix\"><\/div>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Aquest full de c\u00e0lcul us permetr\u00e0 calcular les quotes mensuals d&#8217;un pr\u00e9stec, segons quin sigui el principal sol\u00b7licitat i el tipus d&#8217;inter\u00e8s aplicat.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_canvas","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"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":"","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":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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