{"id":4933,"date":"2012-05-11T08:53:07","date_gmt":"2012-05-11T08:53:07","guid":{"rendered":"https:\/\/gregorydamy.niceavocats.fr\/?p=4933"},"modified":"2023-08-19T05:18:17","modified_gmt":"2023-08-19T05:18:17","slug":"conciencia-crediticia","status":"publish","type":"post","link":"https:\/\/gregorydamy.niceavocats.fr\/es\/conciencia-crediticia\/","title":{"rendered":"Algunos cambios en el cr\u00e9dito al consumo"},"content":{"rendered":"

[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.19.5″ custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” locked=”off” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.19.5″ _module_preset=”default” background_enable_mask_style=”on” background_mask_style=”wave” background_mask_color=”rgba(0,0,0,0.08)” custom_padding=”||6px|||” locked=”off” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_circle_counter title=”Tiempo estimado de lectura (en minutos)” number=”2″ percent_sign=”off” _builder_version=”4.20.2″ _module_preset=”default” title_font=”Amiri||||||||” max_width=”137px” global_colors_info=”{}”][\/et_pb_circle_counter][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row admin_label=”row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/gregorydamy.niceavocats.fr\/wp-content\/uploads\/2012\/05\/1520164508396.jpg” title_text=”1520164508396″ _builder_version=”4.21.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”4.21.0″ text_font=”Amiri||||||||” header_2_font=”Amiri||||||||” header_3_font=”Amiri||||||||” background_size=”initial” background_position=”top_left” background_repeat=”repeat” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

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El cr\u00e9dito al consumo<\/span><\/a>\u00a0ha\u00a0<\/span>entrado\u00a0<\/span>definitively\u00a0\u00a0<\/span>\u00a0de moda y, en 2010, uno de cada dos franceses contrat\u00f3 este tipo de cr\u00e9dito.\u00a0La ley de cr\u00e9dito al consumo ha evolucionado y\u00a0\u00a0<\/span>los cambios significativos\u00a0<\/span>\u00a0se detallan aqu\u00ed.<\/span><\/p>\n

LO NUEVO EN LA LEY<\/span><\/h2>\n

La ley del 1 de julio de 2010 ha estipulado claramente que los anuncios deben mencionar cifras con ejemplos representativos del costo total del cr\u00e9dito.\u00a0La legibilidad de estos elementos es ahora obligatoria.\u00a0La declaraci\u00f3n \u201cUn cr\u00e9dito te compromete y debe ser reembolsado.\u00a0Comprueba tu capacidad de pago antes de comprometerte\u201d tambi\u00e9n es obligatorio.<\/span><\/p>\n

EL CONTRATO<\/span><\/h2>\n

Los prestamistas ya no estar\u00e1n obligados a ofrecer contratos est\u00e1ndar a los prestatarios y las obligaciones de los prestatarios pueden ser mayores.\u00a0La tasa de cargo porcentual anual (APR) debe ser verificada por el prestatario: esta tasa indica al prestatario el costo total de su cr\u00e9dito.\u00a0El plazo de desistimiento se reducir\u00e1 de 7 d\u00edas a 14 d\u00edas el 1 de mayo de 2011.<\/span><\/p>\n

CR\u00c9DITO RENOVABLE<\/span><\/h2>\n

El cr\u00e9dito rotativo (tambi\u00e9n llamado cr\u00e9dito rotativo) ahora solo puede ser una segunda opci\u00f3n ofrecida por los prestamistas o las principales marcas.\u00a0El contrato debe especificar el plazo de amortizaci\u00f3n y este s\u00f3lo puede durar un m\u00e1ximo de un a\u00f1o.\u00a0El consumidor ahora puede salir de este tipo de cr\u00e9dito 3 meses antes de que finalice el plazo.<\/span><\/p>\n

\u201cLa importancia del ejercicio regular no se puede exagerar.\u00a0Practicar actividad f\u00edsica tiene muchos beneficios tanto para el cuerpo como para la mente.\u00a0Ayuda a mantener un peso saludable, fortalece m\u00fasculos y huesos, mejora la salud cardiovascular y reduce el riesgo de enfermedades cr\u00f3nicas.\u00a0Adem\u00e1s, el ejercicio promueve el bienestar mental al reducir el estr\u00e9s, la ansiedad y la depresi\u00f3n.\u00a0Ya sea salir a correr, practicar yoga o practicar un deporte, encontrar una actividad que disfrute puede marcar una diferencia significativa en su salud general y calidad de vida.<\/span><\/p>\n

bufete de abogados<\/span><\/a>\u00a0;\u00a0Ma\u00eetre Gr\u00e9gory DAMY, abogado del colegio de abogados de Niza.<\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

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[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.19.5″ _module_preset=”default” custom_margin=”||0px||false|false” custom_padding=”||0px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider _builder_version=”4.19.5″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

El cr\u00e9dito al consumo\u00a0ha\u00a0entrado\u00a0definitively\u00a0\u00a0\u00a0de moda y, en 2010, uno de cada dos franceses contrat\u00f3 este tipo de cr\u00e9dito.\u00a0La ley de cr\u00e9dito al consumo ha evolucionado y\u00a0\u00a0los cambios significativos\u00a0\u00a0se detallan aqu\u00ed. LO NUEVO EN LA LEY La ley del 1 de julio de 2010 ha estipulado claramente que los anuncios deben mencionar cifras con ejemplos representativos […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[334],"tags":[],"class_list":["post-4933","post","type-post","status-publish","format-standard","hentry","category-derecho-bancario"],"yoast_head":"\nAlgunos cambios en el cr\u00e9dito al consumo - Soci\u00e9t\u00e9 d'avocats Damy<\/title>\n<meta name=\"description\" content=\"conciencia crediticia El cr\u00e9dito al consumo ha entrado definitivamente de moda y, en 2010, uno de cada dos franceses contrat\u00f3\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gregorydamy.niceavocats.fr\/es\/conciencia-crediticia\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Algunos cambios en el cr\u00e9dito al consumo - 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