{"id":1900,"date":"2025-11-03T01:34:31","date_gmt":"2025-11-03T05:34:31","guid":{"rendered":"https:\/\/www.dtvaldivia.cl\/?p=1900"},"modified":"2025-11-03T01:34:32","modified_gmt":"2025-11-03T05:34:32","slug":"nueva-normativa-sobre-pago-minimo-en-tarjetas-busca-frenar-el-sobreendeudamiento","status":"publish","type":"post","link":"https:\/\/www.dtvaldivia.cl\/index.php\/2025\/11\/03\/nueva-normativa-sobre-pago-minimo-en-tarjetas-busca-frenar-el-sobreendeudamiento\/","title":{"rendered":"Nueva normativa sobre pago m\u00ednimo en tarjetas busca frenar el sobreendeudamiento"},"content":{"rendered":"\n<p class=\"has-large-font-size wp-block-paragraph\"><strong>Nueva normativa sobre pago m\u00ednimo en tarjetas busca frenar el sobreendeudamiento<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A partir de la reciente normativa establecida por la Comisi\u00f3n para el Mercado Financiero (CMF), el c\u00e1lculo del pago m\u00ednimo en tarjetas de cr\u00e9dito ha cambiado con el objetivo de frenar el sobreendeudamiento de los hogares y fomentar una mayor responsabilidad financiera entre los usuarios.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La nueva regulaci\u00f3n exige que el pago m\u00ednimo mensual incluya los siguientes componentes: el monto no financiable, la cuota sin inter\u00e9s pagadera en el per\u00edodo de facturaci\u00f3n y al menos un 5% del monto financiable, es decir, el saldo de deuda pendiente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Patricio Valenzuela, acad\u00e9mico de la Facultad de Ingenier\u00eda y Ciencias Aplicadas de la Universidad de los Andes (UANDES), valor\u00f3 esta medida, indicando que \u201capunta a reducir los niveles de sobreendeudamiento y, en el mediano y largo plazo, a mejorar la salud financiera de las personas\u201d.<\/p>\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:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-1024x683.jpg\" alt=\"\" class=\"wp-image-1901\" srcset=\"https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-1024x683.jpg 1024w, https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-300x200.jpg 300w, https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-768x512.jpg 768w, https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-1536x1024.jpg 1536w, https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/Patricio-Valenzuela-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sin embargo, advirti\u00f3 que la regulaci\u00f3n debe ir acompa\u00f1ada de una estrategia nacional de educaci\u00f3n financiera. \u201cEs clave que las personas puedan tomar decisiones de endeudamiento de forma responsable e informada\u201d, se\u00f1al\u00f3.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong>Otras consideraciones<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Valenzuela tambi\u00e9n alert\u00f3 que el pago m\u00ednimo tradicional suele cubrir solo intereses, sin reducir el capital, lo que puede convertir una deuda en una carga vitalicia. \u201cCon tasas de inter\u00e9s elevadas como las de las tarjetas de cr\u00e9dito, amortizar solo el 1% mensual puede extender la deuda por 15 a\u00f1os. Con la nueva exigencia del 5%, ese plazo se reduce a unos cinco a\u00f1os\u201d, explic\u00f3.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El acad\u00e9mico concluy\u00f3 que combinar regulaci\u00f3n y educaci\u00f3n es esencial para evitar que las tarjetas de cr\u00e9dito se conviertan en una trampa de deuda y puedan usarse como una herramienta financiera \u00fatil y sostenible.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"285\" height=\"177\" src=\"https:\/\/www.dtvaldivia.cl\/wp-content\/uploads\/2025\/11\/images.jpg\" alt=\"\" class=\"wp-image-1902\"\/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nueva normativa sobre pago m\u00ednimo en tarjetas busca frenar el sobreendeudamiento A partir de la reciente normativa establecida por la Comisi\u00f3n para el Mercado Financiero (CMF), el c\u00e1lculo del pago&hellip;<\/p>\n","protected":false},"author":2,"featured_media":1903,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"_joinchat":[],"footnotes":""},"categories":[11,2],"tags":[],"class_list":["post-1900","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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