{"id":35200,"date":"2016-01-13T17:02:31","date_gmt":"2016-01-13T16:02:31","guid":{"rendered":"https:\/\/adventum.org\/luigi-y-elsa\/"},"modified":"2016-01-13T17:02:31","modified_gmt":"2016-01-13T16:02:31","slug":"luigi-y-elsa","status":"publish","type":"post","link":"https:\/\/adventum.org\/es\/luigi-y-elsa\/","title":{"rendered":"Luigi y Elsa"},"content":{"rendered":"<p style=\"text-align: justify;\">Luigi y Elsa nos piden cita porque est\u00e1n preocupados por sus deudas, no han podido pagarlas regularmente desde hace unos meses.  <strong>Tienen una hipoteca a punto de finalizar, a menos de un a\u00f1o, una cesi\u00f3n en V y un pr\u00e9stamo con una financiera.<\/strong>  Ambos est\u00e1n jubilados y tienen aficiones e intereses. Tras deducir de las dos pensiones el total de sus gastos de manutenci\u00f3n -hipoteca, servicios, alquiler, impuestos-, nos parece que la pareja no deber\u00eda ni siquiera poder pagarlo todo, pero Elsa explica que  <strong>desde que se jubil\u00f3 siempre ha dado clases particulares a los alumnos y con estos ingresos extra pod\u00edan pagar el alquiler y las cuotas con tranquilidad<\/strong>. El problema surgi\u00f3 porque durante unos seis meses tuvo que tratarse de una enfermedad, afortunadamente temporal, y durante ese tiempo no pudo dar clases.  <span style=\"text-decoration: underline;\">Lo que Luigi y Elsa piden es un pr\u00e9stamo con el que puedan saldar anticipadamente su deuda con la financiera y ampliarla en el tiempo, para tener una cuota m\u00e1s baja.<\/span>  Pero despu\u00e9s de hacer los c\u00e1lculos bien juntos, todos estamos de acuerdo en que no es conveniente cerrar un pr\u00e9stamo y diluirlo a\u00fan m\u00e1s, pagando todav\u00eda intereses. En unos meses, se acabar\u00e1 el pago de la hipoteca y la pareja dispondr\u00e1 de una cantidad decente de dinero para pagar regularmente por todo&#8230; \u00a1e incluso comprar algunos libros m\u00e1s!  <strong>La situaci\u00f3n de sobreendeudamiento aparente de Luigi y Elsa puede resolverse haciendo bien las cuentas<\/strong>, poniendo por escrito los ingresos reales y los gastos reales, y d\u00e1ndose cuenta de que se tiene capacidad para volver a pagar.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Luigi y Elsa nos piden cita porque est\u00e1n preocupados por sus deudas, no han podido pagarlas regularmente desde hace unos meses. Tienen una hipoteca a punto de finalizar, a menos [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":34204,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[200],"tags":[218,249,216,219,248],"class_list":["post-35200","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-deudas","tag-hipoteca","tag-ingresos-es","tag-sale-de","tag-tarifas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Luigi y Elsa - Fondazione Adventum - Solidariet\u00e0 Antisura<\/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:\/\/adventum.org\/es\/luigi-y-elsa\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Luigi y Elsa - Fondazione Adventum - Solidariet\u00e0 Antisura\" \/>\n<meta property=\"og:description\" content=\"Luigi y Elsa nos piden cita porque est\u00e1n preocupados por sus deudas, no han podido pagarlas regularmente desde hace unos meses. 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