{"id":4313,"date":"2020-09-22T13:08:46","date_gmt":"2020-09-22T13:08:46","guid":{"rendered":"https:\/\/www.top5credits.com\/es\/?p=4313"},"modified":"2022-12-25T11:22:36","modified_gmt":"2022-12-25T11:22:36","slug":"cuota","status":"publish","type":"post","link":"https:\/\/www.top5credits.com\/es\/glosario\/cuota\/","title":{"rendered":"Cuota"},"content":{"rendered":"\n<p>Una <strong>cuota <\/strong>es una cantidad de dinero que se abona de forma regular y que puede incluir intereses aplicados. Las cuotas suelen estar acordadas de antemano, tanto en dinero como en periodos. Existen muchos<strong> tipos de cuotas<\/strong> (de mercado, tributarias, etc.), pero esta vez nos centraremos en conocer qu\u00e9 es una cuota de un <strong><a href=\"https:\/\/www.top5credits.com\/es\/tarjeta-de-credito-gratis\/\">cr\u00e9dito<\/a><\/strong> o <strong><a href=\"https:\/\/www.top5credits.com\/es\/articulos\/tipos-de-prestamos\/\">pr\u00e9stamo<\/a><\/strong>.<\/p>\n\n\n\n<p>La cuota de un pr\u00e9stamo es un pago peri\u00f3dico que el deudor se compromete a pagar a su <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/acreedor\/\"><strong>acreedor<\/strong><\/a> con el fin de devolver el cr\u00e9dito percibido. Existen dos componentes principales: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El <strong>principal<\/strong>, que consiste en la parte del capital prestado<\/li>\n\n\n\n<li>Los intereses acumulados, los cuales se calculan multiplicando el tipo de inter\u00e9s del periodo del saldo pendiente por cancelar.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Cuota inicial de un cr\u00e9dito<\/h2>\n\n\n\n<p>La cuota inicial de un cr\u00e9dito es la devoluci\u00f3n de forma adelantada de parte de pr\u00e9stamos recibido. Es muy com\u00fan en <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/hipoteca\/\"><strong>hipotecas<\/strong><\/a> y <a href=\"https:\/\/www.top5credits.com\/es\/prestamo-coche\/\"><strong>pr\u00e9stamos para veh\u00edculos<\/strong><\/a>. Consiste en un porcentaje del dinero prestado.<\/p>\n\n\n\n<p>Las ventajas de pagar una <strong>cuota inicial <\/strong>son muchas, tanto para el cliente como para la entidad financiera. A continuaci\u00f3n, podemos ver algunas de ellas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Para el prestatario<\/strong>:\n<ul class=\"wp-block-list\">\n<li>Las cuotas mensuales <strong>son m\u00e1s bajas o los plazos m\u00e1s cortos.<\/strong><\/li>\n\n\n\n<li>Se acumulan, por lo tanto, <strong>menos intereses<\/strong>, lo cual genera un ahorro en gastos financieros.<\/li>\n\n\n\n<li>Algunos gobiernos <strong>subsidian el acceso a vivienda<\/strong> cubriendo una parte de la cuota inicial, por lo que m\u00e1s personas pueden acceder a una casa propia.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Para la entidad financiera:<\/strong> el riesgo de impago es menor en caso de que el deudor se encuentre con alguna situaci\u00f3n extraordinaria. Adem\u00e1s, si la cuota es muy alta, tambi\u00e9n podr\u00eda darse una situaci\u00f3n de impago.<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/pago-de-cuotas-1024x683.jpg?cdn=1.1.1\" alt=\"Calculando una cuota\" class=\"wp-image-4315\" srcset=\"https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/pago-de-cuotas-1024x683.jpg?cdn=1.1.1 1024w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/pago-de-cuotas-300x200.jpg?cdn=1.1.1 300w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/pago-de-cuotas-768x512.jpg?cdn=1.1.1 768w, https:\/\/cdn.top5credits.com\/es\/wp-content\/uploads\/sites\/8\/2020\/09\/pago-de-cuotas.jpg?cdn=1.1.1 1254w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Para calcular una cuota no tendremos que tener s\u00f3lo en cuenta el dinero solicitado, si no tambi\u00e9n la suma de la TAE.<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">C\u00e1lculo de la cuota<\/h2>\n\n\n\n<p>Para calcular la cuota de un<strong> pr\u00e9stamo<\/strong> debemos tener en cuenta en primer lugar el <strong>tipo de inter\u00e9s<\/strong>. Por ello, cuanto m\u00e1s alta sea la tasa, m\u00e1s altos ser\u00e1n tambi\u00e9n los gastos financieros y los pagos mensuales.<\/p>\n\n\n\n<p>Supongamos que el pr\u00e9stamo recibido es de <strong>15 000 \u20ac<\/strong>, con un <strong>pago inicial de 3 000 \u20ac<\/strong>, a pagar en 12 meses (o 12 periodos), con una amortizaci\u00f3n constante de 1 000 \u20ac y con un <strong>inter\u00e9s del 5 %<\/strong>. Por lo tanto, seg\u00fan el <a href=\"https:\/\/www.top5credits.com\/es\/glosario\/cuadro-de-amortizacion-de-prestamo\/\">cuadro de amortizaci\u00f3n del pr\u00e9stamo<\/a>, las cuotas quedar\u00edan de la siguiente manera (cuarta columna):<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes\"><table><tbody><tr><td><strong>Periodo<\/strong><\/td><td><strong>Intereses<\/strong><strong><\/strong><\/td><td><strong>Amortizaci\u00f3n del capital<\/strong><strong><\/strong><\/td><td><strong>Cuota<\/strong><strong><\/strong><\/td><td><strong>Capital pendiente<\/strong><strong><\/strong><\/td><\/tr><tr><td>&nbsp;<\/td><td>&nbsp;<\/td><td>&nbsp;<\/td><td>&nbsp;<\/td><td>15 000 \u20ac<\/td><\/tr><tr><td>0<\/td><td>&nbsp;<\/td><td>&nbsp;<\/td><td>3 000<\/td><td>12 000 \u20ac<\/td><\/tr><tr><td>1<\/td><td>600<\/td><td>1 000<\/td><td>1 600<\/td><td>11 000 \u20ac<\/td><\/tr><tr><td>2<\/td><td>550<\/td><td>1 000<\/td><td>1 550<\/td><td>10 000 \u20ac<\/td><\/tr><tr><td>3<\/td><td>500<\/td><td>1 000<\/td><td>&nbsp;1 500<\/td><td>9 000 \u20ac<\/td><\/tr><tr><td>4<\/td><td>450<\/td><td>1 000<\/td><td>1 450<\/td><td>8 000 \u20ac<\/td><\/tr><tr><td>5<\/td><td>400<\/td><td>1 000<\/td><td>1 400<\/td><td>7 000 \u20ac<\/td><\/tr><tr><td>6<\/td><td>350<\/td><td>1 000<\/td><td>&nbsp;1 350<\/td><td>6 000 \u20ac<\/td><\/tr><tr><td>7<\/td><td>300<\/td><td>1 000<\/td><td>1 300<\/td><td>5 000 \u20ac<\/td><\/tr><tr><td>8<\/td><td>250<\/td><td>1 000<\/td><td>1 250<\/td><td>4 000 \u20ac<\/td><\/tr><tr><td>9<\/td><td>200<\/td><td>1 000<\/td><td>1 200<\/td><td>3 000 \u20ac<\/td><\/tr><tr><td>10<\/td><td>150<\/td><td>1 000<\/td><td>1 150<\/td><td>2 000 \u20ac<\/td><\/tr><tr><td>11<\/td><td>100<\/td><td>1 000<\/td><td>1 100<\/td><td>1 000 \u20ac<\/td><\/tr><tr><td>12<\/td><td>50<\/td><td>1 000<\/td><td>1 050<\/td><td>0 \u20ac<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Ejemplo de un cuadro de amortizaci\u00f3n donde consultar tus cuotas.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Calcular Cuota de tu Hipoteca<\/h2>\n\n\n\n<p>Como puedes ver, es muy sencillo calcular la cuota de tu pr\u00e9stamo simplemente acudiendo al <strong>cuadro de amortizaci\u00f3n<\/strong>. No obstante, cuando firmamos la cuota, muchas veces esto no es tan sencillo, especialmente si no contratamos una hipoteca de tipo fijo.<\/p>\n\n\n\n<p>Ten en cuenta que si contratas una hipoteca de tipo variable, tendr\u00e1s que tener muy claro qu\u00e9 tipo de inter\u00e9s se te aplica. <strong>Lo normal es que se aplique un %TAE + el \u00edndice Eur\u00edbor<\/strong>, pero a la hora de firmar tu hipoteca, aseg\u00farate de tener claro c\u00f3mo funcionan los intereses para que puedas calcular la cuota.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">M\u00e1s informaci\u00f3n<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.top5credits.com\/es\/calculadora\/\"><strong>Calculadora de pr\u00e9stamos<\/strong><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>La cuota de un pr\u00e9stamo es el importe, normalmente mensual, que abonamos hasta liquidar la deuda.<\/p>\n","protected":false},"author":13,"featured_media":4314,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"page-glossary.php","format":"standard","meta":{"footnotes":""},"categories":[125],"tags":[],"class_list":["post-4313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-glosario","entry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - 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