{"id":41015,"date":"2022-08-27T18:12:15","date_gmt":"2022-08-28T00:12:15","guid":{"rendered":"https:\/\/fuentesfidedignas.com.mx\/?p=41015"},"modified":"2022-08-27T18:12:16","modified_gmt":"2022-08-28T00:12:16","slug":"usan-el-empeno-para-enfrentar-el-regreso-a-clases-profeco-da-recomendaciones","status":"publish","type":"post","link":"https:\/\/fuentesfidedignas.com.mx\/index.php\/2022\/08\/27\/usan-el-empeno-para-enfrentar-el-regreso-a-clases-profeco-da-recomendaciones\/","title":{"rendered":"Usan el empe\u00f1o para enfrentar el regreso a clases; Profeco da recomendaciones"},"content":{"rendered":"\n<p><strong><em>Padres de familia acudir\u00e1n a diversas casas de empe\u00f1o en busca de un pr\u00e9stamo para cumplir con la adquisici\u00f3n de \u00fatiles escolares<\/em><\/strong><\/p>\n\n\n\n<p>Ciudad de M\u00e9xico.- El financiamiento mediante el empe\u00f1o consiste en dejar un art\u00edculo a cambio de un pr\u00e9stamo inmediato. Ante este regreso a clases, muchos de los padres de familia acudir\u00e1n a diversas casas de empe\u00f1o en busca de un pr\u00e9stamo para cumplir con la adquisici\u00f3n de \u00fatiles escolares, art\u00edculos que enfrentan el alza m\u00e1s importante de los \u00faltimos 25 a\u00f1os.<\/p>\n\n\n\n<p>El Reporte Anual Integrado 2021 del Nacional Monte de Piedad indica que tienen cuatro grandes momentos en el a\u00f1o con alta operaci\u00f3n prendaria: los meses de julio y agosto por vacaciones y regreso a clases; le sigue Semana Santa, antes, durante y despu\u00e9s; luego el inicio de cierre de a\u00f1o durante el \u00faltimo trimestre y, por \u00faltimo, enero, con la famosa cuesta.<\/p>\n\n\n\n<p>Y es que el empe\u00f1o es una de las opciones de financiamiento m\u00e1s comunes entre la poblaci\u00f3n mexicana para salir de emergencias, incluso por encima de las tarjetas de cr\u00e9dito o pr\u00e9stamos bancarios.<\/p>\n\n\n\n<p>La Procuradur\u00eda Federal del Consumidor (Profeco) recomienda, antes de realizar alg\u00fan empe\u00f1o, contar con informaci\u00f3n de las diversas opciones que hay en el mercado.<br>De acuerdo con el blog del Nacional Monte de Piedad, una de las instituciones de mayor historia en este m\u00e9todo de financiamiento, si pagas el pr\u00e9stamo en el tiempo acordado, el art\u00edculo te es devuelto. Se trata del desempe\u00f1o, es decir, liquidar tu pr\u00e9stamo seg\u00fan lo estipulado en tu contrato.<\/p>\n\n\n\n<p>Una vez que salgas de la casa de empe\u00f1o, instituciones como la Profeco sugieren revisar tu contrato, pues las fechas de pago (para desempe\u00f1ar o refrendar) quedar\u00e1n establecidas, y debes tenerlo a la mano para recordar cu\u00e1ndo debes realizar tu siguiente pago.<\/p>\n\n\n\n<p>El Monte de Piedad advierte que existen ocasiones en las que no es posible realizar el desempe\u00f1o en tiempo y forma, pero no te alarmes, tu art\u00edculo a\u00fan no se pierde.<br>Existe la opci\u00f3n del refrendo, que consiste en liquidar los intereses de tu empe\u00f1o en las mismas fechas en la que har\u00edas tus pagos de desempe\u00f1o con el fin de extender otros cinco meses tu periodo de pago.<\/p>\n\n\n\n<p>En caso de surgir alg\u00fan inconveniente y no te es posible recuperar tu art\u00edculo puedes pedir tu demas\u00eda, es decir, dinero en efectivo que puedes recibir cuando tus art\u00edculos de valor son vendidos por un precio mayor a tu pr\u00e9stamo y los intereses que se generaron.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Padres de familia acudir\u00e1n a diversas casas de empe\u00f1o en busca de un pr\u00e9stamo para cumplir con la adquisici\u00f3n de \u00fatiles escolares Ciudad de M\u00e9xico.- El financiamiento mediante el empe\u00f1o consiste en dejar un art\u00edculo a cambio de un pr\u00e9stamo inmediato. Ante este regreso a clases, muchos de los padres de familia acudir\u00e1n a diversas [&hellip;]<\/p>\n","protected":false},"author":39,"featured_media":41016,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[39],"tags":[],"class_list":{"0":"post-41015","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-noticias-nacionales"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Usan el empe\u00f1o para enfrentar el regreso a clases; Profeco da recomendaciones - Fuentes Fidedignas<\/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:\/\/fuentesfidedignas.com.mx\/index.php\/2022\/08\/27\/usan-el-empeno-para-enfrentar-el-regreso-a-clases-profeco-da-recomendaciones\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Usan el empe\u00f1o para enfrentar el regreso a clases; Profeco da recomendaciones - Fuentes Fidedignas\" \/>\n<meta property=\"og:description\" content=\"Padres de familia acudir\u00e1n a diversas casas de empe\u00f1o en busca de un pr\u00e9stamo para cumplir con la adquisici\u00f3n de \u00fatiles escolares Ciudad de M\u00e9xico.- El financiamiento mediante el empe\u00f1o consiste en dejar un art\u00edculo a cambio de un pr\u00e9stamo inmediato. 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