El préstamo a plazos es la forma más común de préstamo. Los pagos se realizan mensualmente en forma de cuotas a la banco. Los importes se deducen automáticamente, por ejemplo, de la cuenta del prestatario.
La cuota está compuesta por intereses y amortización
Calculadora de préstamos a plazos
¿Qué es un préstamo a plazos?
Un préstamo a plazos es, como ya sugiere su nombre, un préstamo que el prestatario devuelve en cuotas. Estas cuotas se amortizan según el acuerdo y el contrato, en intervalos iguales. A menudo, la amortización del capital restante se realiza mensualmente.
¿Cómo funciona un préstamo a plazos?
Tras la concesión del préstamo por parte del prestamista, se comienza con el pago dentro del plazo de amortización, que se acordó previamente. El prestatario paga ahora la cantidad establecida, similar a una renta, mensualmente. Además, se suman intereses. La amortización de las cuotas reduce luego progresivamente el capital pendiente.
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