Ser garante de un préstamo puede traer consecuencias financieras y personales, conócelas con estos datos que Infocorp comparte.
Ser garante de un préstamo (a través de un aval o una fianza) puede acarrear consecuencias financieras y personales. A menudo, cuando amigos o familiares solicitan este favor, no se consideran los efectos para las finanzas y las relaciones. En ese sentido, Infocorp/Equifax Perú brinda información esencial para tomar decisiones informadas antes de aceptar ser aval.
Primero, ¿en qué consiste ser garante de un préstamo?
Cuando alguien cercano, como un amigo o familiar, solicita que seas garante (un aval o una fianza) para obtener un préstamo, podría parecer una simple ayuda hacia un ser querido. Sin embargo, ser garante de una obligación implica asumir riesgos financieros significativos y comprometer sus propias finanzas. Al actuar como garante, asumes la responsabilidad por de la deuda en caso de incumplimiento por parte del deudor principal.
Consecuencias financieras de ser garante de un préstamo
A menudo, las personas subestiman las consecuencias financieras que conlleva ser un garante (avalista o fiador) de un préstamo. Algunas de las repercusiones son:
- Responsabilidad del pago del préstamo: Como garante, eres responsable del pago del préstamo si el prestatario principal no cumple con sus obligaciones. Esto implica asumir una carga financiera y acatar las consecuencias del incumplimiento.
- Registro en los informes de crédito: El préstamo en el que aparece como garante se reflejará en sus informes de crédito, junto con cualquier registro asociado a él, como pagos atrasados o incumplimientos. Estos registros pueden afectar su Historial Crediticio y su capacidad para obtener crédito en el futuro.
- Impacto en la obtención de préstamos personales: Ser garante de un préstamo puede afectar su capacidad para obtener préstamos en su nombre debido al aumento de la proporción entre la deuda y los ingresos.
- Riesgo de deterioro del historial crediticio: Si el deudor principal no cumple con los pagos y usted no los cubre, el acreedor informará el incumplimiento a las agencias de crédito. Esto puede resultar en un deterioro de su Historial Crediticio y afectar su Calificación Crediticia.
- Responsabilidad legal: En caso de que el préstamo no se pague, tanto el deudor principal como el garante pueden enfrentar demandas legales, y que se le exija judicialmente pagar el 100% de la deuda, además de los costos legales asociados.
¿Qué hacer al considerar ser garante de un préstamo?
Infocorp/Equifax Perú te recomienda evaluar cuidadosamente antes de garantizar un préstamo. Algunas acciones para considerar son:
- Evalúe la capacidad de pago del deudor principal: Antes de comprometerte como garante, es importante analizar la situación financiera y capacidad de pago del deudor principal. Asegúrate de que tenga un Historial Crediticio sólido y sea capaz de cumplir con las obligaciones del préstamo.
- Comunique su decisión con afecto y respeto: Si decide no aceptar ser garante, explique las responsabilidades financieras asociadas.
- Proteja sus finanzas y la relación: En caso de aceptar ser garante, tome medidas para mitigar los riesgos financieros y mantener una buena comunicación con el deudor principal. Estas acciones incluyen establecer un diálogo constante sobre el estado del préstamo y prepararse para afrontar posibles pagos no realizados.
Asimismo, Infocorp/Equifax Perú enfatiza la importancia de tomar decisiones financieras informadas y conscientes al considerar ser garante de un préstamo. Antes de comprometer sus finanzas y relaciones, es fundamental evaluar los riesgos y establecer límites claros para proteger su propio bienestar financiero.
Para obtener más información sobre tu Historial de Crédito, solo debes ingresar al portal de Infocorp, la central de riesgos que recopila la información crediticia de todos los peruanos.
¿Cómo ingresar y consultar mis deudas en Infocorp?
- Ingresa desde AQUÍ a Equifax y sigue los pasos indicados.
- Después de validar tu identidad, podrás hacer el pago (S/. 29).
- Tu reporte llegará al correo electrónico que registraste.
Finalmente, si deseas consultar tu Score Infocorp gratis, solo debes registrarte e ingresar a tu Zona Equifax de manera gratuita. Allí encontrarás tu Calificación Crediticia, un número que va del 0 al 999 y mientras más cerca estés al 999 serás mejor visto ante entidades financieras.
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