{"id":1077,"date":"2017-04-10T23:19:08","date_gmt":"2017-04-10T23:19:08","guid":{"rendered":"https:\/\/www.legalario.com\/blog\/?p=1077"},"modified":"2025-11-06T19:37:30","modified_gmt":"2025-11-06T19:37:30","slug":"contrato-de-mutuo-legalario","status":"publish","type":"post","link":"https:\/\/legalario.com\/blog\/contrato-de-mutuo-legalario\/","title":{"rendered":"Contrato de mutuo"},"content":{"rendered":"<p>Cuando tenemos una urgencia que requiere dinero creemos que con un pr\u00e9stamo es muy f\u00e1cil salir del apuro. Cuando lo solicitamos debemos estar conscientes en todo momento que hay que devolverlo.<\/p>\n<p>En primer lugar, la cantidad a pagar no ser\u00e1 la misma que la del pr\u00e9stamo inicial, ya que en la fecha de devoluci\u00f3n ya se habr\u00e1n acumulado intereses.<\/p>\n<p><a href=\"https:\/\/www.legalario.com\/landings\/personas\/descarga-tu-documento\/contrato-de-mutuo\" target=\"_blank\" rel=\"nofollow noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1995 size-full\" src=\"https:\/\/www.legalario.com\/blog\/wp-content\/uploads\/2017\/04\/ctap-contrato-mutuo-prestamo-legalario.png\" alt=\"ctap-contrato-mutuo-prestamo-legalario\" width=\"658\" height=\"240\" \/><\/a><\/p>\n<p>Pero ning\u00fan pr\u00e9stamo es confiable sin el documento que lo conste. Seas el deudor o quien prest\u00f3 dinero, debes contar con un contrato que refleje los acuerdos de las partes, <strong>sobre todo los plazos, intereses y penalidades. <\/strong><em><a href=\"https:\/\/www.legalario.com\/document\/contrato-de-mutuo\" target=\"_blank\" rel=\"noopener noreferrer\">Contrato de mutuo ejemplo.<\/a><\/em><\/p>\n<h2>Contrato de mutuo o pr\u00e9stamo<\/h2>\n<p>El <a href=\"https:\/\/www.legalario.com\/document\/contrato-de-mutuo\" target=\"_blank\" rel=\"noopener noreferrer\"><em class=\"azul underline\">contrato de mutuo<\/em><\/a> es un acuerdo en el que una persona que recibi\u00f3 alguna cosa, incluyendo dinero, se obliga a devolverla. <strong>Como prestador<\/strong> debes contar con comprobantes de la puesta a disposici\u00f3n del dinero y <strong>como deudor<\/strong>, <a href=\"https:\/\/www.legalario.com\/document\/recibo\" target=\"_blank\" rel=\"noopener noreferrer\"><em class=\"azul underline\">recibos<\/em><\/a> de cada pago que se realice.<\/p>\n<p>Los pr\u00e9stamos deben solicitarse cuando no se puede disponer de cierta cantidad para un prop\u00f3sito en determinado momento. Lo que significa que est\u00e1s seguro de que eventualmente contar\u00e1s con esa cantidad para pagarla. Por lo tanto, no es recomendable que lo obtengas sin saber de qu\u00e9 forma lo vas a pagar.<\/p>\n<h2>Plazos<\/h2>\n<p>En el contrato de mutuo, los plazos no deben afectar notoriamente tu econom\u00eda y sobre todo tus gastos fijos peri\u00f3dicos. Esto para que evites caer en incumplimientos o penalizaciones. El plazo del cr\u00e9dito debe durar lo suficiente para que puedas pagarlo pero no tanto como para que est\u00e9s embaucado por mucho tiempo.<\/p>\n<p>Si tienes dudas sobre cu\u00e1nto debe durar el plazo puedes analizar el beneficio que obtendr\u00e1s. De manera que si solicitas un pr\u00e9stamo para comprar un objeto lo mejor es que el plazo sea al menos equivalente al tiempo que aprovechar\u00e1s el objeto.<\/p>\n<p>Por lo general, los pr\u00e9stamos tienen garant\u00edas para su pago. Procura que el valor del objeto o bien no exceda en gran medida el cr\u00e9dito. Ya que si se ejecuta la garant\u00eda se malbaratar\u00e1 para poder obtener el monto l\u00edquido del adeudo.<\/p>\n<p>Referencias:<\/p>\n<p><a href=\"https:\/\/mexico.justia.com\/federales\/codigos\/codigo-civil-federal\/libro-cuarto\/parte-segunda\/titulo-quinto\/capitulo-i\/#articulo-2384\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">https:\/\/mexico.justia.com\/federales\/codigos\/codigo-civil-federal\/libro-cuarto\/parte-segunda\/titulo-quinto\/capitulo-i\/#articulo-2384<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cuando tenemos una urgencia que requiere dinero creemos que con un pr\u00e9stamo es muy [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3522,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,370,367],"tags":[298,297,557,299,443],"class_list":["post-1077","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos-generales","category-contratos","category-familiar","tag-contrato-de-mutuo","tag-contrato-de-prestamo","tag-credito","tag-mutuo","tag-recibo","with-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Contrato de mutuo<\/title>\n<meta name=\"description\" content=\"El contrato de mutuo es un acuerdo en el que una persona que recibi\u00f3 alguna cosa, incluyendo dinero, se obliga a devolverla.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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