El préstamo a plazos es la forma más común de crédito. Los reembolsos se devuelven al banco mensualmente en forma de cuotas. Los importes se cargan automáticamente en la cuenta del prestatario, por ejemplo.
Como su nombre indica, un préstamo a plazos es un préstamo que el prestatario devuelve en cuotas. Los plazos se devuelven a intervalos iguales, según el acuerdo y el contrato. A menudo, el reembolso de la deuda restante es mensual.
¿Cómo funciona un préstamo a plazos?
Una vez que el préstamo ha sido desembolsado por el prestamista, el reembolso comienza dentro del periodo de amortización, que se aclara de antemano. El prestatario pasa a pagar mensualmente la suma especificada, similar a un alquiler. A esto se añaden los intereses. El reembolso de las cuotas reduce entonces de forma continua la deuda restante.
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