Al solicitar un crédito, más allá de mirar los requisitos que nos exigen, es importante destacar que debemos realizar una comparativa de precios entre todos los bancos. El Sernac tiene disponible un comparador de créditos muy interesante, que nos muestra no solo la tasa de interés, sino otras variables importantes.
Esto es asi porque, más allá de mirar la tasa de interés que nos prometen, para averiguar cual será el costo total del crédito es necesario conocer otras variables. La más importante, y la que se usa como comparativa más importante, es el CAE. El CAE es el Costo Anual Equivalente, e incluye, además de la tasa de interés, otras variables que nos cobran los bancos como seguros y gastos asociados.
En esta oportunidad, le acercamos las comparativas de créditos al aconsumo de los distintos bancos para un crédito de 1.000.000 de pesos , en los distintos plazos:
- A 12 meses
- A 24 meses
- A 36 meses
- A 48 meses
- A 60 meses
Comparar Creditos a 12 Meses
Para un crédito de $ 1.000.000.- a 12 meses, la simulación del crédito es la siguiente:
| Institución | Valor Cuota | CAE | Tasa de Interés Mensual | Gastos Banco | Seguro Desgrav | Total Interes | Monto Bruto Crédito | Costo Total |
|---|---|---|---|---|---|---|---|---|
| Banco BICE | $89.339 | 13,05% | 0,94% | $4.683 | $3.630 | $63.755 | $1.008.313 | $1.072.068 |
| Banco Estado | $93.942 | 22,72% | 1,72% | $4.735 | $3.957 | $118.612 | $1.008.692 | $1.127.304 |
| BBVA | $94.469 | 23,81% | 1,67% | $5.254 | $8.311 | $120.063 | $1.013.565 | $1.133.628 |
| Scotiabank | $94.824 | 24,55% | 1,79% | $5.160 | $6.987 | $125.741 | $1.012.147 | $1.137.888 |
| Caja 18 de Septiembre | $95.452 | 25,84% | 1,74% | $4.487 | $21.144 | $119.793 | $1.025.631 | $1.145.424 |
| Banco Santander | $96.081 | 27,13% | 2,12% | $6.988 | $8.482 | $137.502 | $1.015.470 | $1.152.972 |
| TBanc | $96.616 | 28,22% | 2,12% | $7.292 | $5.530 | $146.570 | $1.012.822 | $1.159.392 |
| Caja Los Héroes | $96.652 | 28,30% | 2,09% | $5.020 | $13.104 | $141.700 | $1.018.124 | $1.159.824 |
| Corpbanca | $96.944 | 28,89% | 1,97% | $6.591 | $16.066 | $140.671 | $1.022.657 | $1.163.328 |
| BCI | $97.126 | 29,27% | 2,18% | $6.056 | $7.909 | $151.547 | $1.013.965 | $1.165.512 |
| Banco de Chile | $98.450 | 31,95% | 2,46% | $5.149 | $4.243 | $187.680 | $1.009.392 | $1.181.400 |
| Banco Consorcio | $100.223 | 35,52% | 2,69% | $5.069 | $12.207 | $185.400 | $1.017.276 | $1.202.676 |
| BCI Nova | $102.858 | 40,76% | 2,75% | $7.463 | $29.044 | $197.789 | $1.036.507 | $1.234.296 |
| Banco Falabella | $103.034 | 41,11% | 2,90% | $8.112 | $19.944 | $208.352 | $1.028.056 | $1.236.408 |
Comparar Creditos a 24 Meses
Para un crédito de $ 1.000.000.- a 24 meses, la simulación del crédito es la siguiente:
| Institución | Valor Cuota | CAE | Tasa de Interés Mensual | Gastos Banco | Seguro Desgrav | Total Interes | Monto Bruto Crédito | Costo Total |
|---|---|---|---|---|---|---|---|---|
| Banco BICE | $48.134 | 14,26% | 1,07% | $4.698 | $7.276 | $143.242 | $1.011.974 | $1.155.216 |
| Banco Estado | $52.381 | 23,02% | 1,74% | $4.768 | $12.173 | $240.203 | $1.016.941 | $1.257.144 |
| BBVA | $52.526 | 23,31% | 1,69% | $5.286 | $16.429 | $238.909 | $1.021.715 | $1.260.624 |
| Scotiabank | $53.167 | 24,59% | 1,84% | $5.186 | $13.523 | $257.299 | $1.018.709 | $1.276.008 |
| Banco Santander | $54.400 | 27,04% | 2,16% | $6.988 | $15.534 | $283.078 | $1.022.522 | $1.305.600 |
| Corpbanca | $54.574 | 27,38% | 1,97% | $6.619 | $23.097 | $280.060 | $1.029.716 | $1.309.776 |
| TBanc | $55.001 | 28,22% | 2,16% | $7.333 | $11.194 | $301.497 | $1.018.527 | $1.320.024 |
| BCI | $55.729 | 29,64% | 2,24% | $6.089 | $16.047 | $315.360 | $1.022.136 | $1.337.496 |
| Banco de Chile | $57.083 | 32,26% | 2,52% | $5.166 | $8.474 | $381.372 | $1.013.640 | $1.369.992 |
| Caja Los Héroes | $58.033 | 34,08% | 2,62% | $5.020 | $26.208 | $361.564 | $1.031.228 | $1.392.792 |
| Caja 18 de Septiembre | $58.114 | 34,23% | 2,50% | $4.491 | $42.336 | $347.909 | $1.046.827 | $1.394.736 |
| Banco Consorcio | $58.742 | 35,42% | 2,69% | $5.119 | $24.715 | $379.974 | $1.029.834 | $1.409.808 |
| Banco Falabella | $60.399 | 38,53% | 2,90% | $8.112 | $19.944 | $421.520 | $1.028.056 | $1.449.576 |
| BCI Nova | $60.532 | 38,78% | 2,75% | $7.548 | $40.833 | $404.387 | $1.048.381 | $1.452.768 |
Comparar Creditos a 36 Meses
Para un crédito de $ 1.000.000.- a 12 meses, la simulación del crédito es la siguiente:
| Institución | Valor Cuota | CAE | Tasa de Interés Mensual | Gastos Banco | Seguro Desgrav | Total Interes | Monto Bruto Crédito | Costo Total |
|---|---|---|---|---|---|---|---|---|
| Banco BICE | $34.751 | 15,17% | 1,16% | $4.709 | $10.056 | $236.271 | $1.014.765 | $1.251.036 |
| Banco Estado | $38.669 | 22,92% | 1,75% | $4.786 | $16.736 | $370.562 | $1.021.522 | $1.392.084 |
| BBVA | $38.840 | 23,25% | 1,71% | $5.314 | $23.434 | $369.492 | $1.028.748 | $1.398.240 |
| Scotiabank | $39.588 | 24,67% | 1,86% | $5.212 | $20.145 | $399.811 | $1.025.357 | $1.425.168 |
| Corpbanca | $40.784 | 26,92% | 1,97% | $6.648 | $30.406 | $431.170 | $1.037.054 | $1.468.224 |
| Banco Santander | $40.860 | 27,06% | 2,18% | $6.988 | $22.991 | $440.981 | $1.029.979 | $1.470.960 |
| TBanc | $41.624 | 28,48% | 2,20% | $7.365 | $15.611 | $475.488 | $1.022.976 | $1.498.464 |
| BCI | $42.280 | 29,69% | 2,26% | $6.114 | $22.422 | $493.544 | $1.028.536 | $1.522.080 |
| Caja 18 de Septiembre | $43.222 | 31,40% | 2,30% | $4.490 | $63.468 | $488.034 | $1.067.958 | $1.555.992 |
| Banco de Chile | $43.701 | 32,26% | 2,53% | $5.183 | $12.705 | $613.560 | $1.017.888 | $1.573.236 |
| Caja Los Héroes | $44.553 | 33,79% | 2,62% | $5.020 | $39.312 | $559.576 | $1.044.332 | $1.603.908 |
| Banco Consorcio | $46.161 | 36,63% | 2,78% | $5.171 | $37.535 | $619.090 | $1.042.706 | $1.661.796 |
| BCI Nova | $46.785 | 37,71% | 2,75% | $7.588 | $46.305 | $630.367 | $1.053.893 | $1.684.260 |
| Banco Falabella | $47.054 | 38,18% | 2,90% | $8.139 | $26.699 | $659.106 | $1.034.838 | $1.693.944 |
Comparar Creditos a 48 Meses
Para un crédito de $ 1.000.000.- a 12 meses, la simulación del crédito es la siguiente:
| Institución | Valor Cuota | CAE | Tasa de Interés Mensual | Gastos Banco | Seguro Desgrav | Total Interes | Monto Bruto Crédito | Costo Total |
|---|---|---|---|---|---|---|---|---|
| Banco BICE | $28.495 | 16,30% | 1,25% | $4.728 | $14.866 | $348.166 | $1.019.594 | $1.367.760 |
| Banco Estado | $31.817 | 22,57% | 1,75% | $4.786 | $16.736 | $505.694 | $1.021.522 | $1.527.216 |
| BBVA | $32.333 | 23,51% | 1,74% | $5.344 | $30.676 | $515.964 | $1.036.020 | $1.551.984 |
| Scotiabank | $33.158 | 25,00% | 1,89% | $5.239 | $26.854 | $559.491 | $1.032.093 | $1.591.584 |
| Corpbanca | $34.091 | 26,66% | 1,97% | $6.673 | $36.630 | $593.065 | $1.043.303 | $1.636.368 |
| Banco Santander | $34.465 | 27,32% | 2,21% | $6.988 | $29.256 | $618.076 | $1.036.244 | $1.654.320 |
| TBanc | $35.392 | 28,94% | 2,24% | $7.404 | $20.948 | $670.464 | $1.028.352 | $1.698.816 |
| BCI | $36.221 | 30,37% | 2,28% | $6.173 | $37.142 | $695.293 | $1.043.315 | $1.738.608 |
| Banco de Chile | $37.390 | 32,36% | 2,54% | $5.200 | $16.960 | $852.372 | $1.022.160 | $1.794.720 |
| Caja Los Héroes | $38.125 | 33,59% | 2,62% | $5.020 | $52.416 | $772.564 | $1.057.436 | $1.830.000 |
| Caja 18 de Septiembre | $39.844 | 36,44% | 2,75% | $4.492 | $84.672 | $823.348 | $1.089.164 | $1.912.512 |
| Banco Consorcio | $40.071 | 36,81% | 2,78% | $5.223 | $50.681 | $867.504 | $1.055.904 | $1.923.408 |
| BCI Nova | $40.117 | 36,88% | 2,75% | $7.588 | $46.305 | $871.723 | $1.053.893 | $1.925.616 |
| Banco Falabella | $40.816 | 38,02% | 2,90% | $8.164 | $32.790 | $918.214 | $1.040.954 | $1.959.168 |
Comparar Creditos a 60 Meses
Para un crédito de $ 1.000.000.- a 12 meses, la simulación del crédito es la siguiente:
| Institución | Valor Cuota | CAE | Tasa de Interés Mensual | Gastos Banco | Seguro Desgrav | Total Interes | Monto Bruto Crédito | Costo Total |
|---|---|---|---|---|---|---|---|---|
| Banco Estado | $28.034 | 22,73% | 1,76% | $4.806 | $21.719 | $655.515 | $1.026.525 | $1.682.040 |
| BBVA | $29.091 | 24,55% | 1,83% | $5.368 | $36.809 | $703.283 | $1.042.177 | $1.745.460 |
| Scotiabank | $30.094 | 26,26% | 1,99% | $5.267 | $33.652 | $766.721 | $1.038.919 | $1.805.640 |
| Banco Santander | $30.837 | 27,50% | 2,23% | $6.988 | $36.421 | $806.811 | $1.043.409 | $1.850.220 |
| BCI | $32.335 | 29,97% | 2,28% | $6.173 | $37.142 | $896.785 | $1.043.315 | $1.940.100 |
| Banco de Chile | $33.745 | 32,24% | 2,53% | $5.217 | $21.179 | $1.109.255 | $1.026.396 | $2.024.700 |
| Caja 18 de Septiembre | $34.296 | 33,12% | 2,49% | $4.491 | $105.840 | $947.429 | $1.110.331 | $2.057.760 |
| Caja Los Héroes | $34.502 | 33,45% | 2,62% | $5.020 | $65.520 | $999.580 | $1.070.540 | $2.070.120 |
| BCI Nova | $36.785 | 37,01% | 2,75% | $7.670 | $57.663 | $1.141.767 | $1.065.333 | $2.207.100 |
| Banco Consorcio | $36.805 | 37,04% | 2,78% | $5.278 | $64.200 | $1.138.822 | $1.069.478 | $2.208.300 |
| Banco Falabella | $37.361 | 37,89% | 2,90% | $8.182 | $37.216 | $1.196.262 | $1.045.398 | $2.241.660 |
