{"id":15998,"date":"2023-03-07T11:36:08","date_gmt":"2023-03-07T10:36:08","guid":{"rendered":"https:\/\/www.consultingcheck.com\/\/topics\/efectos-de-la-solvencia\/15998\/"},"modified":"2023-03-07T11:36:08","modified_gmt":"2023-03-07T10:36:08","slug":"efectos-de-la-solvencia","status":"publish","type":"jask_topic","link":"https:\/\/www.consultingcheck.com\/es\/topics\/efectos-de-la-solvencia\/15998\/","title":{"rendered":"Efectos de la solvencia"},"content":{"rendered":"<p>La solvencia tiene un efecto decisivo en las posibilidades de cr\u00e9dito y en los costes. Si la solvencia es insuficiente, no se conf\u00eda en el prestatario. En ese caso, se rechazar\u00e1 la solicitud de pr\u00e9stamo. Sin embargo, la mayor\u00eda de las entidades de cr\u00e9dito procuran conversar con los solicitantes para explicarles las razones del rechazo y mostrarles las formas en que pueden desarrollar su solvencia. <\/p><p>No obstante, si se aprueba un pr\u00e9stamo en caso de mala solvencia, el pr\u00e9stamo ser\u00e1 caro para el prestatario. Esto se debe a que el tipo de inter\u00e9s de los pr\u00e9stamos se corresponde exactamente con el precio de los riesgos derivados de este compromiso crediticio. Cuanto m\u00e1s alto sea el riesgo para el prestamista, m\u00e1s alto fijar\u00e1 el tipo de inter\u00e9s adecuado al riesgo. Para los prestamistas, los riesgos no son negativos en s\u00ed mismos: cuanto mayores sean los riesgos de impago, mejores ser\u00e1n las posibilidades de rentabilidad.<\/p>","protected":false},"featured_media":0,"parent":15996,"menu_order":33800,"template":"","meta":{"_links_to":"","_links_to_target":""},"jask_topic_categories":[414],"class_list":["post-15998","jask_topic","type-jask_topic","status-publish","hentry","jask_topic_categories-auswirkungen-der-bonitaet"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Efectos de la solvencia - consultingcheck<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.consultingcheck.com\/es\/topics\/efectos-de-la-solvencia\/15998\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Efectos de la solvencia - consultingcheck\" \/>\n<meta property=\"og:description\" content=\"La solvencia tiene un efecto decisivo en las posibilidades de cr\u00e9dito y en los costes. Si la solvencia es insuficiente, no se conf\u00eda en el prestatario. En ese caso, se rechazar\u00e1 la solicitud de pr\u00e9stamo. Sin embargo, la mayor\u00eda de las entidades de cr\u00e9dito procuran conversar con los solicitantes para explicarles las razones del rechazo ...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.consultingcheck.com\/es\/topics\/efectos-de-la-solvencia\/15998\/\" \/>\n<meta property=\"og:site_name\" content=\"consultingcheck\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.consultingcheck.com\/wp-content\/uploads\/2022\/04\/og-bild_1200x630-1024x538.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.consultingcheck.com\/wp-content\/uploads\/2022\/04\/og-bild_1200x630-1024x538.jpg\" \/>\n<meta name=\"twitter:label1\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minuto\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topics\\\/efectos-de-la-solvencia\\\/15998\\\/\",\"url\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topics\\\/efectos-de-la-solvencia\\\/15998\\\/\",\"name\":\"Efectos de la solvencia - consultingcheck\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/#website\"},\"datePublished\":\"2023-03-07T10:36:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topics\\\/efectos-de-la-solvencia\\\/15998\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topics\\\/efectos-de-la-solvencia\\\/15998\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topics\\\/efectos-de-la-solvencia\\\/15998\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Themen\",\"item\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/topic\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Efectos de la solvencia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/#website\",\"url\":\"https:\\\/\\\/www.consultingcheck.com\\\/es\\\/\",\"name\":\"consultingcheck\",\"description\":\"Vernetzt gedacht. 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