{"id":27033,"date":"2023-12-04T16:52:12","date_gmt":"2023-12-04T14:52:12","guid":{"rendered":"https:\/\/lica.ch\/?p=27033"},"modified":"2026-06-09T21:38:47","modified_gmt":"2026-06-09T20:38:47","slug":"aumento-del-tipo-maximo-para-creditos-privados-desde-el-1-enero-2024","status":"publish","type":"post","link":"https:\/\/www.lica.ch\/es\/reglementation\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\/","title":{"rendered":"Aumento del tipo m\u00e1ximo para los cr\u00e9ditos privados desde enero de 2024"},"content":{"rendered":"<p class=\"wp-block-paragraph\">En enero de 2024, los consumidores suizos se enfrentar\u00e1n a una nueva realidad financiera: el aumento de la tasa m\u00e1xima de <a href=\"https:\/\/www.lica.ch\/es\/\">cr\u00e9dito privado<\/a>. Este cambio, significativo en el panorama crediticio suizo, llevar\u00e1 el tipo a 12 % para los pr\u00e9stamos en efectivo y a 14 % para los descubiertos. Se trata de un momento clave para los consumidores, que no s\u00f3lo deben comprender las implicaciones de este aumento, sino tambi\u00e9n actuar en consecuencia. Este art\u00edculo pretende desmitificar esta evoluci\u00f3n y ofrecer una visi\u00f3n clara de lo que significa para <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">prestatarios individuales<\/a>. Comprender estos cambios es esencial para tomar decisiones financieras informadas y oportunas en un entorno cambiante.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-augmentation-du-taux-maximal-1er-janvier-2024-1\">Objetivo de un tipo m\u00e1ximo para los pr\u00e9stamos privados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Los tipos de inter\u00e9s de los pr\u00e9stamos privados est\u00e1n actualmente regulados en Suiza, lo que ofrece a los consumidores condiciones relativamente ventajosas. Estos tipos vienen determinados por <a href=\"https:\/\/www.fedlex.admin.ch\/eli\/cc\/2002\/593\/fr\" target=\"_blank\" rel=\"noreferrer noopener\">ley federal de cr\u00e9dito al consumo<\/a>, cuyo objetivo es proteger a los prestatarios de tipos excesivos y garantizar la equidad en el sector crediticio. La Ley establece <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/como-evolucionaran-los-tipos-de-interes-de-los-creditos-privados-en-suiza\/\">una tasa m\u00e1xima<\/a>, Esto impide que los prestamistas apliquen tipos de inter\u00e9s excesivamente altos. Actualmente, estos tipos permiten a los consumidores acceder a pr\u00e9stamos para diversas necesidades personales en condiciones razonables, fomentando as\u00ed una gesti\u00f3n financiera estable y apoyando el consumo. Sin embargo, existen algunas preocupaciones, <a href=\"https:\/\/www.admin.ch\/gov\/fr\/accueil\/documentation\/communiques.msg-id-99111.html\">el aumento previsto en 2024<\/a> podr\u00eda cambiar el juego, encareciendo el cr\u00e9dito e influyendo potencialmente en las decisiones financieras de los hogares suizos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-augmentation-du-taux-maximal-1er-janvier-2024-2\">\u00bfQu\u00e9 representa un aumento de la tasa de 1%?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La comparaci\u00f3n entre <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/que-documentos-son-necesarios-para-obtener-un-credito\/\">condiciones de cr\u00e9dito<\/a> Para comprender el impacto financiero sobre los consumidores suizos, es vital conocer los tipos actuales y previstos tras el aumento del tipo m\u00e1ximo en 2024. He aqu\u00ed un ejemplo num\u00e9rico para ayudarle a comprender el impacto de este aumento:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td>Importe del cr\u00e9dito<\/td><td class=\"has-text-align-center\" data-align=\"center\">CHF 30\u2019000.-<\/td><td class=\"has-text-align-center\" data-align=\"center\">CHF 30\u2019000.-<\/td><\/tr><tr><td>Tipos de inter\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.95%<\/td><td class=\"has-text-align-center\" data-align=\"center\">11.95%<\/td><\/tr><tr><td>Plazo de amortizaci\u00f3n<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 meses<\/td><td class=\"has-text-align-center\" data-align=\"center\">60 meses<\/td><\/tr><tr><td><strong>Coste de los intereses<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>CHF 9\u2019091.-<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>CHF 9\u2019994.-<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Con <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">cr\u00e9dito privado <\/a>De CHF 30\u2019000.- suscritos en un plazo de 60 meses a 10.95%, el coste de los intereses pagados a lo largo del plazo es de 9\u2019091.-. En cambio, con <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/aumento-de-los-tipos-de-interes-en-los-creditos-al-consumo\/\">un aumento de la tasa m\u00e1xima<\/a> para los pr\u00e9stamos privados a 11,95%, el coste adicional ascender\u00eda a CHF 903.- a lo largo de la vida del pr\u00e9stamo. Este aumento, aunque aparentemente modesto a primera vista, tiene importantes repercusiones en los presupuestos familiares, sobre todo para quienes dependen del cr\u00e9dito para <a href=\"https:\/\/www.lica.ch\/es\/solvable\/reducir-los-gastos-y-optimizar-el-presupuesto\/\">gestionar sus gastos cotidianos<\/a> o hacer frente a gastos imprevistos. Este aumento del tipo m\u00e1ximo del cr\u00e9dito privado subraya la importancia que tiene para los consumidores planificar cuidadosamente sus necesidades de cr\u00e9dito y de <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">aprovechar las condiciones actuales<\/a> m\u00e1s favorable antes del cambio en 2024.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-augmentation-du-taux-maximal-1er-janvier-2024-3\">Planea pedir un pr\u00e9stamo privado antes de fin de a\u00f1o<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Para los consumidores que se plantean <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">obtener cr\u00e9dito<\/a> Antes de que los tipos suban en 2024, es importante proceder de forma estrat\u00e9gica y prudente. En primer lugar, eval\u00fae sus necesidades reales y <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/calcular-monto-maximo-de-un-credito\/\">su capacidad de reembolso<\/a>. Es crucial pedir prestada s\u00f3lo la cantidad que necesita y asegurarse de que las cuotas mensuales se ajustan a su presupuesto. En segundo lugar, compare ofertas utilizando <a href=\"https:\/\/www.lica.ch\/es\/\">Servicios Lica<\/a> para encontrar las mejores condiciones. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No se precipite a firmar un acuerdo sin explorar varias opciones. En tercer lugar, considera la posibilidad de fijar el plazo del cr\u00e9dito para optimizar el coste total del pr\u00e9stamo. <a href=\"https:\/\/www.lica.ch\/es\/\">pr\u00e9stamo<\/a>. Un plazo m\u00e1s corto puede significar pagos mensuales m\u00e1s altos, pero costes totales de intereses m\u00e1s bajos. Por \u00faltimo, planifica tu futuro financiero teniendo en cuenta <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/aumento-de-los-tipos-de-interes-en-los-creditos-al-consumo\/\">evoluci\u00f3n del mercado crediticio<\/a>. Reserve ahorros para emergencias y considere inversiones a largo plazo para reducir su dependencia del cr\u00e9dito. Estos pasos le ayudar\u00e1n a navegar por el cambiante panorama financiero y a mantener una s\u00f3lida salud financiera.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-augmentation-du-taux-maximal-1er-janvier-2024-4\">Repercusiones del aumento del tipo m\u00e1ximo de los pr\u00e9stamos privados<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El aumento previsto de <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/criterios-que-determinan-el-tipo-de-interes-de-su-credito\/\">tipo de inter\u00e9s<\/a> para los pr\u00e9stamos privados en Suiza tendr\u00e1 repercusiones a largo plazo tanto para los consumidores como para el mercado crediticio. Para los consumidores, este aumento podr\u00eda conducir a una mayor cautela en el uso del cr\u00e9dito. <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">pr\u00e9stamo<\/a>, Esto puede limitar el gasto discrecional y afectar a su capacidad para gestionar gastos imprevistos. En el mercado crediticio, podr\u00eda producirse una reducci\u00f3n de la demanda de nuevos pr\u00e9stamos, lo que podr\u00eda influir en <a href=\"https:\/\/www.lica.ch\/es\/credito-privado-2\/como-funciona-un-credito-privado\/\">estrategias de los prestamistas<\/a>. La evoluci\u00f3n futura de los tipos de inter\u00e9s en Suiza depender\u00e1 de diversos factores econ\u00f3micos y normativos. Es posible que se produzcan ajustes peri\u00f3dicos en respuesta a las condiciones del mercado y las pol\u00edticas monetarias. Por lo tanto, los consumidores deben mantenerse informados y flexibles en su planificaci\u00f3n financiera para adaptarse a estos cambios.<a href=\"https:\/\/www.lica.ch\/es\/\"> elegir el cr\u00e9dito adecuado<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"-augmentation-du-taux-maximal-1er-janvier-2024-5\">Nuestra conclusi\u00f3n sobre esta \u00faltima subida de tipos<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">En conclusi\u00f3n, el aumento previsto del tipo m\u00e1ximo para los pr\u00e9stamos privados en Suiza en 2024 requiere atenci\u00f3n y acci\u00f3n inmediatas por parte de los consumidores. Es esencial comprender el impacto de este aumento en sus finanzas personales y actuar de forma proactiva para asegurar <a href=\"https:\/\/www.lica.ch\/es\/demande-de-credit-prive-en-ligne\/\">condiciones de cr\u00e9dito ventajosas<\/a> en la medida de lo posible. Los consumidores deben mantenerse vigilantes, bien informados y prudentes en su gesti\u00f3n financiera para navegar eficazmente por este panorama cambiante.<\/p>","protected":false},"excerpt":{"rendered":"<p>En janvier 2024, les consommateurs suisses seront confront\u00e9s \u00e0 une nouvelle r\u00e9alit\u00e9 financi\u00e8re : l&rsquo;augmentation du taux maximal pour les cr\u00e9dits priv\u00e9s. Cette \u00e9volution, significative dans le paysage du cr\u00e9dit suisse, portera le taux \u00e0 12 % pour les cr\u00e9dits au comptant et \u00e0 14 % pour les d\u00e9couverts. Il s&rsquo;agit d&rsquo;un moment cl\u00e9 pour [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":27717,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[55],"tags":[],"class_list":["post-27033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-reglementation"],"_yoast_wpseo_focuskw":"Taux maximal pour les cr\u00e9dits priv\u00e9s","_yoast_wpseo_title":"Augmentation du taux maximal pour les cr\u00e9dits priv\u00e9s","_yoast_wpseo_metadesc":"Le taux maximal pour les cr\u00e9dits priv\u00e9s augmente d\u00e8s le 1er janvier 2024. Regardons ensemble quelles sont les implications de cette nouvelle.","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Augmentation du taux maximal pour les cr\u00e9dits priv\u00e9s<\/title>\n<meta name=\"description\" content=\"Le taux maximal pour les cr\u00e9dits priv\u00e9s augmente d\u00e8s le 1er janvier 2024. 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Regardons ensemble quelles sont les implications de cette nouvelle.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lica.ch\/es\/regulacion\/aumento-del-tipo-maximo-para-creditos-privados-desde-el-1-enero-2024\/\" \/>\n<meta property=\"og:site_name\" content=\"Lica cr\u00e9dit priv\u00e9\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lica.suisse\/\" \/>\n<meta property=\"article:published_time\" content=\"2023-12-04T14:52:12+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-09T20:38:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lica.ch\/wp-content\/uploads\/2023\/12\/Taux-maximal-pour-les-credits-prives_IMA.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"650\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Bastien Henri\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/\"},\"author\":{\"name\":\"Bastien Henri\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#\\\/schema\\\/person\\\/a85c40b1bbb44f71978139eb3a5f5b3c\"},\"headline\":\"Augmentation du taux maximal pour les cr\u00e9dits priv\u00e9s d\u00e8s janvier 2024\",\"datePublished\":\"2023-12-04T14:52:12+00:00\",\"dateModified\":\"2026-06-09T20:38:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/\"},\"wordCount\":1000,\"publisher\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Taux-maximal-pour-les-credits-prives_IMA.webp\",\"articleSection\":[\"R\u00e9glementation\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/\",\"url\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/\",\"name\":\"Augmentation du taux maximal pour les cr\u00e9dits priv\u00e9s\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.lica.ch\\\/reglementation\\\/augmentation-du-taux-maximal-pour-les-credits-prives-des-le-1er-janvier-2024\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.lica.ch\\\/wp-content\\\/uploads\\\/2023\\\/12\\\/Taux-maximal-pour-les-credits-prives_IMA.webp\",\"datePublished\":\"2023-12-04T14:52:12+00:00\",\"dateModified\":\"2026-06-09T20:38:47+00:00\",\"description\":\"Le taux maximal pour les cr\u00e9dits priv\u00e9s augmente d\u00e8s le 1er janvier 2024. 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