{"id":52257,"date":"2020-01-27T19:56:43","date_gmt":"2020-01-28T01:56:43","guid":{"rendered":"http:\/\/www.lospoliticosveracruz.com.mx\/?p=52257"},"modified":"2020-01-27T19:56:43","modified_gmt":"2020-01-28T01:56:43","slug":"creditos-imss-publicidad-enganosa","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=52257","title":{"rendered":"Cr\u00e9ditos IMSS, publicidad enga\u00f1osa"},"content":{"rendered":"<p><strong>Teresa Carbajal<\/strong><\/p>\n<p><em>Debo no niego; pago lo justo<\/em><\/p>\n<p>Financieras que se dedican a colocar cr\u00e9ditos entre la poblaci\u00f3n de pensionados del IMSS, han desplegado una nueva ofensiva en materia de publicidad enga\u00f1osa los mal llamados \u201ccr\u00e9ditos IMSS\u201d.<\/p>\n<p>Pues este producto da a entender que se trata de un financiamiento otorgado por el Instituto Mexicano del Seguro Social (IMSS), lo cual es falso.<\/p>\n<p>Recibe ese nombre porque los productos son ofertados dentro de Unidades M\u00e9dicas, Sociales y Administrativas del Instituto (lo que de por s\u00ed ya es agresivo e incorrecto) y su p\u00fablico destino son los pensionados al amparo de la Ley del Seguro Social de 1973.<\/p>\n<p>No comprendo porque los encargados de la supervisi\u00f3n de estas financieras se han abstenido hasta el momento de prohibirles usar el nombre de una Instituci\u00f3n P\u00fablica para denominar a estos cr\u00e9ditos, dadas las confusiones que provocan y los abusos que al amparo de esa confusi\u00f3n pudieran cometerse.<\/p>\n<p>El llamativo t\u00edtulo del producto me gener\u00f3 la inquietud de conocer m\u00e1s acerca de los requisitos para su contrataci\u00f3n, la tasa de inter\u00e9s aplicable as\u00ed como su comportamiento.<\/p>\n<p>Publicidad en mano, pude comprobar que dichos cr\u00e9ditos ofrecen (sujeto a autorizaci\u00f3n) montos de hasta cuatrocientos mil pesos, y los pagos mensuales son descontados directamente del pago de la pensi\u00f3n, por lo que seguramente las financieras que los operan, deben de tener convenios con el Instituto para poder llevar a cabo dichos descuentos autom\u00e1ticos.<\/p>\n<p>Lo malo de este tipo de cr\u00e9ditos, es que si en alg\u00fan momento tuvieras necesidad de \u201crenegociar\u201d la deuda, esto es pr\u00e1cticamente imposible, pues la financiera siempre contar\u00e1 con la seguridad de poder cobrar en autom\u00e1tico su abono, capital e intereses.<\/p>\n<p>Otro poderoso \u201cgancho\u201d publicitario que esta modalidad de cr\u00e9dito te ofrece es poder \u201cpagar tu deuda\u201d; sin embargo, no olvides que al pagar la anterior deuda no se negociar\u00e1 sobre alguna quita o descuento, pues a tu nuevo acreedor le convendr\u00e1 que entre mayor sea la deuda, mayor ser\u00e1 el monto de intereses a cobrar.<\/p>\n<p>Por ejemplo para un cr\u00e9dito de 10 mil pesos, -seg\u00fan el folleto informativo que analizo- a 60 meses, es decir 5 a\u00f1os terminar\u00e1s pagando 25,380 pesos; es decir tu deuda se elevar\u00e1 en poco m\u00e1s de un doscientos cincuenta por ciento. Dado que su Costo Anual Total (CAT) promedio es de 46.8% in IVA.<\/p>\n<p>As\u00ed que antes de contratar un \u201ccr\u00e9dito IMSS\u201d tenga cuidado y analice las condiciones de su contrataci\u00f3n, la documentaci\u00f3n que va a firmar y tenga por seguro, que no son pr\u00e9stamos que le d\u00e9 el \u201cseguro\u201d, (como habitualmente nos referimos al IMSS).<\/p>\n<p>Tambi\u00e9n espero que por parte del Instituto se analicen los convenios vigentes con las financieras para no permitir que se cometan abusos con una poblaci\u00f3n que debe gozar de la mayor protecci\u00f3n posible y que son los pensionados, para no mermar su calidad de vida al gravar irremediablemente sus ingresos.<\/p>\n<p>Si tiene dudas o deudas llame al 2281148502<\/p>\n<p>Visite\u00a0 <a href=\"http:\/\/www.elbarzonrc.org\/\">www.elbarzonrc.org<\/a> Contacte <a href=\"mailto:elbarzonrc@yahoo.com.mx\">elbarzonrc@yahoo.com.mx<\/a>, O s\u00edgame en @terecarbajal<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Teresa Carbajal Debo no niego; pago lo justo Financieras que se dedican a colocar cr\u00e9ditos entre la poblaci\u00f3n de pensionados del IMSS, han desplegado una nueva ofensiva en materia de publicidad enga\u00f1osa los mal llamados \u201ccr\u00e9ditos IMSS\u201d. Pues este producto da a entender que se trata de un financiamiento otorgado por el Instituto Mexicano del [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[11766,16271,16269,595,16268,1208,15296,3530,16270,15570],"class_list":{"0":"post-52257","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-opinion","7":"tag-contratacion","8":"tag-costo-anual-total","9":"tag-creditos-imss","10":"tag-deuda","11":"tag-financieras","12":"tag-imss","13":"tag-ley-del-seguro-social","14":"tag-pensionados","15":"tag-tasa-de-interes","16":"tag-teresa-carbajal"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9ditos IMSS, publicidad enga\u00f1osa - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=52257\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos IMSS, publicidad enga\u00f1osa - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Teresa Carbajal Debo no niego; pago lo justo Financieras que se dedican a colocar cr\u00e9ditos entre la poblaci\u00f3n de pensionados del IMSS, han desplegado una nueva ofensiva en materia de publicidad enga\u00f1osa los mal llamados \u201ccr\u00e9ditos IMSS\u201d. 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