{"id":833,"date":"2017-02-25T10:14:27","date_gmt":"2017-02-25T10:14:27","guid":{"rendered":"http:\/\/www.redpiso.es\/news\/?p=833"},"modified":"2017-02-21T10:15:55","modified_gmt":"2017-02-21T10:15:55","slug":"que-es-un-prestamo-p2p","status":"publish","type":"post","link":"https:\/\/www.redpiso.es\/news\/que-es-un-prestamo-p2p\/","title":{"rendered":"\u00bfQu\u00e9 es un pr\u00e9stamo P2P?"},"content":{"rendered":"<p>En los \u00faltimos tiempos han nacido nuevas <strong><em>formas de <a href=\"http:\/\/www.dcredit.es\/\">financiaci\u00f3n<\/a><\/em><\/strong> que no tienen nada que ver con los <strong><em>bancos o con las entidades financieras<\/em><\/strong>. Una de estas formas es la <strong><em>financiaci\u00f3n P2P<\/em><\/strong>, que consiste en hacer <strong><em>pr\u00e9stamos entre personas particulares<\/em><\/strong>. Consiste en que uno o varios inversores deciden apoyar el proyecto de una persona o de una empresa y le aportan financiaci\u00f3n. Este negocio se ha extendido mucho en los \u00faltimos a\u00f1os, habiendo subido un 152% desde el a\u00f1o 2012.<\/p>\n<p>Existen plataformas online para poner en contacto a los inversores, que buscan rentabilidad, con las personas que necesitan el dinero, que buscan financiaci\u00f3n. Estas plataformas realizan estudios de los destinatarios para conocer su solvencia y les asignan un nivel de riesgo, as\u00ed los inversores saben qu\u00e9 esperar de cada uno. Una de las finalidades de implantar niveles de riesgo consiste en que, cuanto mayor sea este nivel, mayor rentabilidad se ofrecer\u00e1. Esto es algo normal debido a que los inversores aceptan asumir un riesgo mayor a cambio de obtener m\u00e1s rentabilidad.<\/p>\n<p>La persona que quiere llevar a cabo su proyecto lo subir\u00e1 a la plataforma y los inversores ir\u00e1n ofreci\u00e9ndole dinero. Una vez consiga el <a href=\"http:\/\/www.dcredit.es\/\"><strong><em>100% de la financiaci\u00f3n<\/em><\/strong><\/a>, el dinero se le dar\u00e1 y deber\u00e1 ir devolvi\u00e9ndolo mensualmente.<\/p>\n<p>A pesar de todas las facilidades y oportunidades que brindan los pr\u00e9stamos P2P, tambi\u00e9n suponen algunos riesgos. Por ejemplo, a\u00fan no est\u00e1n homologados por el Banco de Espa\u00f1a. Ofrecen una gran transparencia porque aparecen detallados todas las comisiones, pagos, intereses, condiciones, etc.<\/p>\n<p>Este tipo de pr\u00e9stamos se est\u00e1n afianzando y cada vez son m\u00e1s comunes, por lo que pueden suponer una verdadera nueva forma de financiaci\u00f3n en el futuro, con mucha fuerza y competitividad.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En los \u00faltimos tiempos han nacido nuevas formas de financiaci\u00f3n que no tienen nada que ver con los bancos o con las entidades financieras. Una de estas formas es la financiaci\u00f3n P2P, que consiste en hacer pr\u00e9stamos entre personas particulares. Consiste en que uno o varios inversores deciden apoyar el proyecto de una persona o de una empresa y le [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":813,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>\u00bfQu\u00e9 es un pr\u00e9stamo P2P? - REDPISO NEWS<\/title>\n<meta name=\"description\" content=\"Descubre qu\u00e9 es un pr\u00e9stamo P2P, c\u00f3mo funciona y cu\u00e1les son las facilidades que ofrece.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redpiso.es\/news\/que-es-un-prestamo-p2p\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfQu\u00e9 es un pr\u00e9stamo P2P? 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