{"id":9000,"date":"2023-04-20T06:30:00","date_gmt":"2023-04-20T11:30:00","guid":{"rendered":"https:\/\/myprospera.com\/blog\/five-reasons-ealerts-2"},"modified":"2023-05-17T11:53:21","modified_gmt":"2023-05-17T16:53:21","slug":"credit-cards-heloc","status":"publish","type":"post","link":"https:\/\/myprospera.com\/es\/blog\/credit-cards-heloc","title":{"rendered":"Diga adi\u00f3s a las altas tasas de las tarjetas de cr\u00e9dito con la consolidaci\u00f3n de deuda HELOC de Prospera"},"content":{"rendered":"<div class=\"c-wp-block--paragraph\">\n<p><\/p>\n<\/div>\n\n\n<header class=\"c-post-hero\">\n\t\t<div class=\"c-post-hero__visual\">\n\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1920\" height=\"1080\" src=\"https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple.png\" class=\"c-post-hero__image\" alt=\"a couple looks at a computer\" aria-hidden=\"true\" srcset=\"https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple.png 1920w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-300x169.png 300w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-1024x576.png 1024w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-768x432.png 768w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-1536x864.png 1536w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-18x10.png 18w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-960x540.png 960w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-480x270.png 480w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-853x480.png 853w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-806x453.png 806w, https:\/\/myprospera.com\/wp-content\/uploads\/2023\/04\/HELOC-couple-640x360.png 640w\" sizes=\"auto, (max-width: 1920px) 100vw, 1920px\" \/>\t<\/div>\n\t\n\t<div class=\"c-post-hero__text\">\n\t\t<h1 class=\"c-post-hero__heading\">\n\t\t\tDiga adi\u00f3s a las altas tasas de las tarjetas de cr\u00e9dito con la consolidaci\u00f3n de deuda HELOC de Prospera\t\t<\/h1>\n\n\t\t<div class=\"c-post-hero__meta\">\n\t\t\t\t\t<div class=\"c-entry-meta\">\n\t\t\t<div class=\"c-entry-meta__posted-on\">Actualizado por \u00faltima vez el <time class=\"updated\" datetime=\"2023-05-17T11:53:21-05:00\">17 de mayo de 2023<\/time> <\/div><div class=\"c-entry-meta__author\">por <a href=\"https:\/\/myprospera.com\/es\/blog\/author\/prospera_adm\">Uni\u00f3n de Cr\u00e9dito Prospera<\/a> <\/div><div class=\"c-entry-meta__categories\">en <span class=\"screen-reader-text\">Categor\u00edas de puestos: <\/span><a href=\"https:\/\/myprospera.com\/es\/blog\/category\/credit-and-credit-score\" rel=\"category tag\">Cr\u00e9dito y puntuaci\u00f3n de cr\u00e9dito<\/a>, <a href=\"https:\/\/myprospera.com\/es\/blog\/category\/credit-cards\" rel=\"category tag\">Tarjetas de cr\u00e9dito<\/a>, <a href=\"https:\/\/myprospera.com\/es\/blog\/category\/home-loans\" rel=\"category tag\">Pr\u00e9stamos hipotecarios<\/a><\/span> <\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t<\/div>\n<\/header><!-- .c-post-hero -->\n\n\n<div class=\"c-wp-block--paragraph\">\n<p>\u00bfEst\u00e1 cansado de las altas tasas de las tarjetas de cr\u00e9dito? La consolidaci\u00f3n de deudas con un HELOC de Prospera Credit Union podr\u00eda ser la soluci\u00f3n que ha estado buscando. Con las tasas en aumento, la consolidaci\u00f3n de tarjetas de cr\u00e9dito y otras deudas de alto inter\u00e9s con un HELOC podr\u00eda ayudarle a ahorrar miles de d\u00f3lares en cargos por intereses con el tiempo. \u00a1En serio!<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-2\">\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 es un HELOC?<\/h2>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p class=\"has-text-align-left\"><a href=\"https:\/\/myprospera.com\/es\/loans\/home-equity-loans\/\">L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/a>es un tipo de pr\u00e9stamo que permite a los propietarios de viviendas pedir dinero prestado utilizando como garant\u00eda el valor de su vivienda. <em>El patrimonio neto es la diferencia entre el valor de la vivienda y el importe adeudado de la hipoteca. <\/em>Los HELOC suelen tener tipos de inter\u00e9s m\u00e1s bajos que otros tipos de pr\u00e9stamos porque la vivienda sirve de garant\u00eda. <em><a href=\"https:\/\/myprospera.com\/es\/blog\/credit-cards-heloc\/#other-ways\">Descubra las m\u00faltiples formas de utilizar un HELOC<\/a><\/em> <\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-2\">\n<h2 class=\"wp-block-heading\">C\u00f3mo funciona una consolidaci\u00f3n de deuda HELOC de Prospera<\/h2>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>\u00bfC\u00f3mo funciona la consolidaci\u00f3n de deudas HELOC de Prospera? Es muy sencillo. Nuestro HELOC le permite pedir dinero prestado contra el capital de su casa. Los fondos pueden ser utilizados para pagar su deuda de tarjeta de cr\u00e9dito de alto inter\u00e9s, dej\u00e1ndole con una tasa de inter\u00e9s m\u00e1s baja y un pago mensual manejable. Al consolidar su deuda con nosotros, simplificar\u00e1 sus finanzas y le resultar\u00e1 m\u00e1s f\u00e1cil gestionar sus deudas.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-2\">\n<h2 class=\"wp-block-heading\" id=\"heloc-perks\">Por qu\u00e9 consolidar la deuda de la tarjeta de cr\u00e9dito con HELOC de Prospera puede ser la mejor soluci\u00f3n<\/h2>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>\u00bfPor qu\u00e9 consolidar su deuda de tarjetas de cr\u00e9dito con un HELOC de Prospera? Hay muchas razones por las que puede ser la mejor soluci\u00f3n:<\/p>\n<\/div>\n\n<div class=\"c-wp-block--columns\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\"><em>\u00a1Arriba y lejos!<\/em> Subida de tipos<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p><a href=\"https:\/\/apnews.com\/article\/federal-reserve-interest-rates-credit-cards-a1a5c342b60b63f45d1a700798b70b3a\">Con los tipos en constante aumento<\/a>consolidar su deuda de tarjeta de cr\u00e9dito con nuestro HELOC ahora es una decisi\u00f3n inteligente que podr\u00eda ayudarle a ahorrar dinero a largo plazo. En Prospera Credit Union, ofrecemos una tasa APR baja de s\u00f3lo 6.24%* para HELOCs, d\u00e1ndole la flexibilidad financiera que necesita para manejar su deuda y alcanzar sus metas.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Un pago para gobernarlos a todos<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Consolidar su deuda de tarjeta de cr\u00e9dito con un HELOC de PCU significa que s\u00f3lo tendr\u00e1 que hacer un pago cada mes, en lugar de hacer malabares con m\u00faltiples pagos y fechas de vencimiento. Esto simplifica sus finanzas y hace que sea m\u00e1s f\u00e1cil de manejar su deuda.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Aumento de la puntuaci\u00f3n de cr\u00e9dito<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Consolidar la deuda de su tarjeta de cr\u00e9dito tambi\u00e9n puede <a href=\"https:\/\/myprospera.com\/es\/blog\/pay-on-time\/\">mejore su puntuaci\u00f3n de cr\u00e9dito<\/a>. Al liquidar sus saldos, reducir\u00e1 sus <em>\u00edndice de utilizaci\u00f3n del cr\u00e9dito<\/em>que es un factor importante a la hora de calcular su puntuaci\u00f3n crediticia. Esto puede conducir a una mejora en su puntuaci\u00f3n de cr\u00e9dito con el tiempo, lo que potencialmente hace que sea m\u00e1s f\u00e1cil para usted para obtener la aprobaci\u00f3n de otros pr\u00e9stamos o cr\u00e9ditos en el futuro. Adem\u00e1s, con nuestra baja tasa TAE y nuestros flexibles plazos de amortizaci\u00f3n, podr\u00e1 saldar su deuda m\u00e1s r\u00e1pidamente y con menos estr\u00e9s, mejorando en \u00faltima instancia su salud financiera general.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"c-wp-block--heading h-2\">\n<h2 class=\"wp-block-heading\" id=\"other-ways\">Otras formas de utilizar una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/h2>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Adem\u00e1s de pagar los pr\u00e9stamos estudiantiles, <a href=\"https:\/\/myprospera.com\/es\/blog\/how-your-home-can-make-your-dreams-come-true-home-equity-loans\/\">hay muchas otras formas de utilizar un HELOC<\/a>:<\/p>\n<\/div>\n\n<div class=\"c-wp-block--columns\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Mejoras en el hogar<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Una de las formas m\u00e1s populares de utilizar un HELOC es para financiar <a href=\"https:\/\/myprospera.com\/es\/blog\/how-to-add-value-to-your-home\/\">proyectos de mejora del hogar<\/a>como una remodelaci\u00f3n de la cocina o un tejado nuevo. Disfrute de las ventajas del aumento del valor y la revalorizaci\u00f3n de su vivienda.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Deuda estudiantil<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Pagar sus pr\u00e9stamos estudiantiles no podr\u00eda ser m\u00e1s f\u00e1cil. Accediendo al capital de su vivienda, puede saldar su deuda estudiantil r\u00e1pidamente con tipos de inter\u00e9s m\u00e1s bajos y plazos de amortizaci\u00f3n flexibles. Esto podr\u00eda ahorrarle dinero a largo plazo y proporcionarle una mayor libertad financiera.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Fondo de emergencia<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Los HELOC tambi\u00e9n pueden utilizarse como un fondo de emergencia flexible, que permite a los prestatarios acceder a los fondos de forma r\u00e1pida y sencilla en caso de gastos imprevistos o emergencias. Piense en ello como la seguridad financiera y la tranquilidad que necesita para capear cualquier temporal.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Gastos de educaci\u00f3n<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Cubrir los gastos de educaci\u00f3n, como la matr\u00edcula o los libros, para usted o su familia. Esta puede ser una forma inteligente de financiar una educaci\u00f3n a un tipo de inter\u00e9s m\u00e1s bajo que los pr\u00e9stamos estudiantiles tradicionales, lo que puede suponer un ahorro de miles de d\u00f3lares a lo largo de la vida del pr\u00e9stamo.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--heading h-3\">\n<h3 class=\"wp-block-heading\">Gastos profesionales<\/h3>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Las HELOC tambi\u00e9n pueden ser una soluci\u00f3n de financiaci\u00f3n inteligente para los gastos de la empresa. Tanto si desea ampliar su negocio, comprar equipos o cubrir gastos imprevistos, una HELOC puede proporcionarle el capital que necesita a un tipo de inter\u00e9s m\u00e1s bajo que los pr\u00e9stamos comerciales tradicionales. Esto puede ahorrarle dinero y darle la flexibilidad financiera necesaria para que su negocio prospere.<\/p>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"c-wp-block--heading h-2\">\n<h2 class=\"wp-block-heading\">Solicitar un HELOC<\/h2>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>Para solicitar un HELOC, tendr\u00e1 que cumplir ciertos requisitos, entre los que se incluyen:<\/p>\n<\/div>\n\n<div class=\"c-wp-block--columns\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><div class=\"c-wp-block--list\">\n<ol class=\"wp-block-list\">\n<li><strong>Patrimonio neto de su vivienda |<\/strong> Para poder optar a un HELOC, deber\u00e1 disponer de un determinado capital en su vivienda. Por lo general, tendr\u00e1 que tener al menos 20% de capital, aunque esto puede variar seg\u00fan el prestamista.<\/li>\n\n\n\n<li><strong>Buen cr\u00e9dito<\/strong> <strong>|<\/strong> Tambi\u00e9n examinaremos su puntuaci\u00f3n crediticia para determinar si re\u00fane los requisitos para obtener una HELOC. Una puntuaci\u00f3n crediticia m\u00e1s alta puede ayudarle a obtener un tipo de inter\u00e9s m\u00e1s bajo y mejores condiciones de pr\u00e9stamo.<\/li>\n\n\n\n<li><strong>Ingresos estables |<\/strong> Tendr\u00e1 que demostrar que dispone de una fuente de ingresos estable para hacer frente a los pagos de su HELOC.<\/li>\n\n\n\n<li><strong>Otras obligaciones financieras |<\/strong> Tambi\u00e9n tendremos en cuenta sus otras obligaciones financieras, como el pago mensual de su hipoteca y otros pagos de deudas, para determinar si puede permitirse una HELOC.<\/li>\n<\/ol>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n<div class=\"c-wp-block--paragraph\">\n<p>\u00bfEst\u00e1 listo para decir adi\u00f3s a los altos tipos de inter\u00e9s de las tarjetas de cr\u00e9dito y tomar el control de su deuda? Concierte una cita con una sucursal para obtener m\u00e1s informaci\u00f3n sobre nuestras opciones HELOC. \u00bfListo para solicitarlo? Pulse el bot\u00f3n de abajo para iniciar su viaje hacia un futuro financiero pr\u00f3spero.<\/p>\n<\/div>\n\n<div class=\"c-wp-block--columns\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"c-cta-button-block\">\n\t<div class=\"c-cta-button-block__container -align-center\">\n\t\t\t\t\t<div class=\"c-cta-button-block__button-container--aside\">\n\t\t\t\t<a class=\"c-cta-button-block__button -button-yellow\" href=\"https:\/\/www.loanliner.com\/LoanRequest\/Presenter\/LoanForm?CUID=04802796&#038;LoanFormId=2904147816020140424&#038;ChannelId=7264670503132182942&#038;LocationId=3972750503132183252&#038;IsFramed=T\">Solicite un HELOC de Prospera<\/a>\t\t\t<\/div>\n\t\t\t\t<\/div> \n<\/div><!-- .c-cta-button-block -->\n\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n\n<div class=\"c-cta-button-block\">\n\t<div class=\"c-cta-button-block__container -align-center\">\n\t\t\t\t\t<div class=\"c-cta-button-block__button-container--aside\">\n\t\t\t\t<a class=\"c-cta-button-block__button -button-blue\" href=\"https:\/\/myprospera.com\/es\/bookings\/#schedule-our-appointment-feature\">Reservar una sucursal<\/a>\t\t\t<\/div>\n\t\t\t\t<\/div> \n<\/div><!-- .c-cta-button-block -->\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"c-disclosure-block\">\n\t<div class=\"c-disclosure-block__container\">\n\t\t<p>*La TAE es la Tasa Anual Equivalente. La TAE de 6,24% est\u00e1 disponible para viviendas principales ocupadas por el propietario de hasta 80% de relaci\u00f3n pr\u00e9stamo-valor (LTV). La TAE se fijar\u00e1 al tipo inicial durante el periodo inicial de 12 meses. La oferta est\u00e1 sujeta a los requisitos de cr\u00e9dito habituales. Los tipos est\u00e1n sujetos a cambios, pero no pueden superar los 18%. Pueden aplicarse algunas restricciones.  Una vez transcurrido el periodo de carencia de doce meses, el tipo de inter\u00e9s se indexar\u00e1 a The Wall Street Journal Prime. La TAE es variable y est\u00e1 sujeta a cambios mensuales, pero no puede superar los 18%. La tasa de inter\u00e9s requiere una cuenta de cheques activa con Prospera Credit Union con pago autom\u00e1tico. La TAE inicial ser\u00eda 0,5% superior sin cuenta corriente. Durante los per\u00edodos introductorios y de disposici\u00f3n de 10 a\u00f1os, el pago mensual m\u00ednimo (a) $50 o (b) el inter\u00e9s acumulado sobre el saldo pendiente bajo el acuerdo al cierre del ciclo de facturaci\u00f3n, el que sea mayor seguido de un reembolso de 15 a\u00f1os; el saldo pendiente se amortizar\u00e1 entonces basado en la tasa variable para ser reembolsado en pagos mensuales durante 180 meses. Sin embargo, si supera el saldo m\u00e1ximo del pr\u00e9stamo principal permitido en virtud de su acuerdo, tambi\u00e9n se le exigir\u00e1 que pague una cantidad suficiente para reducir el saldo del pr\u00e9stamo principal al saldo m\u00e1ximo del pr\u00e9stamo principal permitido en virtud del acuerdo. La TAE es la tasa anunciada y puede variar en funci\u00f3n de la solvencia. Cuenta corriente activa: la cuenta corriente debe estar activa con un m\u00ednimo de 10 transacciones al mes. Las transferencias autom\u00e1ticas a otra cuenta o pr\u00e9stamo de Prospera no se tienen en cuenta en las transacciones por mes.<\/p>\n\t<\/div> \n<\/div><!-- .c-disclosure-block -->","protected":false},"excerpt":{"rendered":"<p>Are you tired of high credit card rates? Debt consolidation with a Prospera Credit Union HELOC could be the solution you&#8217;ve been looking for. With rates on the rise, consolidating credit card and other high-interest debt with a HELOC could help you save thousands of dollars in interest charges over time. For real! What is [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7930,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[13,14,39],"tags":[],"search_keyword":[],"class_list":["post-9000","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-and-credit-score","category-credit-cards","category-home-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to Use a HELOC to Pay Off Your Credit Card Debt<\/title>\n<meta name=\"description\" content=\"Learn how a HELOC can be a powerful tool to pay off high interest credit card debt and other debts. | Prospera Credit Union\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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