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HomePréstamosCómo la Reserva Federal impacta los préstamos personales

Cómo la Reserva Federal impacta los préstamos personales

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Fuera del edificio de la Reserva Federal

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  • La tasa de fondos federales impacta lo costosa que es para los prestamistas prestar parné, por lo que las tasas de préstamos al consumidor generalmente cambian cuando los fondos federales tasa de tasa.

  • Durante la reunión del Comité Federal del Comité de Mercado Libre, el organismo regulatorio anunció que mantendría la tasa objetivo de fondos federales estables.

  • Las tendencias actuales de tasas de préstamos personales y la intrepidez del FOMC de proseguir las tasas estables en constante sugieren que no habrá una caída importante en las tasas de interés de préstamos personales en el futuro cercano.

La tasa de remisión de los fondos de la Fed impacta cuánto cuesta para los prestamistas prestar parné, por lo que influye en las tasas en los préstamos al consumidor, incluidos los préstamos personales. Luego de tres recortaduras de tarifas en 2024, el Comité Federal de Mercado Libre dejó la tasa objetivo en 4.25-4.5 por ciento en junio de 2025.

“Para los consumidores, el mensaje sigue siendo claro: las altas tasas de interés no van a ninguna parte, y la heredad de los Estados Unidos parece que podría estar en demarcación incierto”, escribe Sarah Foster, la heredad estadounidense de Bankrate y reportero de la Reserva Federal.

¿Cómo afecta la Fed préstamos personales?

La tasa de fondos federales influye en las tasas de interés que los prestamistas ofrecen a los nuevos prestatarios porque afecta los costos de los prestamistas. Cuando la tasa es adhesión, los préstamos son más caros. A medida que la Fed introdujo aumentos de tasas a lo espacioso de 2022 y 2023, la tasa promedio de préstamo personal incluso aumentó.

Incluso a posteriori de tres recortaduras de tarifas consecutivas en 2024, el promedio de la industria permanece cerca de máximos históricos. Es poco probable que la intrepidez de junio del FOMC de dejar la tasa objetivo sin cambios se mueva mucho esa manecilla.

Cómo la Fed impacta los préstamos existentes

La gran mayoría de los préstamos personales son préstamos de tasa fija, lo que significa que la tasa de interés permanece sin cambios desde el origen hasta cuando se vale la pena. Los prestatarios con un préstamo personal de tasa fija no verán cambios en su tasa de interés o pagos mensuales cuando la Fed aumente o reduzca las tasas.

Eso significa que si bloquea un préstamo personal de mengua tasa fija, no cambiará en función de la tasa federal.

¿Las tasas de interés de préstamos personales comenzarán a disminuir?

La respuesta corta es que deberían, pero llevará tiempo, y los prestatarios con un crédito bueno a excelente serán los primeros en beneficiarse. Algunas tasas de préstamos al consumidor ya han traumatizado a la mengua antaño de los recortaduras, incluidas las tasas hipotecarias.

Pero McBride señala: “Las tasas de préstamos personales no han sido particularmente sensibles a las tasas de interés en los ciclos de retazo de tasas o tasas de tasas anteriores, con tasas para los prestatarios con buen crédito en un rango mucho más inflexible que el difusión de los movimientos de la Fed”.

Mark Hamrick, analista financiero senior de Bankrate y superior de la Oficina de Washington, señaló que el retazo de tasas de septiembre probablemente era el primero en un “tambores constantes de recortaduras” desde finales de 2024 hasta principios de 2025. Está de acuerdo con McBride en que los impactos es poco probable que sean instantáneos.

“Oportuno a que las tasas superadas se movieron tan altas en respuesta a una inflación históricamente adhesión, tomará algún tiempo relajarse mucho de eso”, dice Hamrick. “Como resultado, las tasas de préstamo tomarán algún tiempo para pasar significativamente incluso”.

McBride duda de que esperar a pedir prestado afectará significativamente las tasas que reciben los prestatarios de préstamos personales.

“La ingenuidad entre muchos prestatarios de préstamos personales es que el préstamo se toma porque el parné se necesita con cierta emergencia”, señala. “Permitir para tasas más bajas puede no ser una opción y los ahorros al hacerlo no son un cambio de solaz. En un préstamo de $ 5,000 y 3 primaveras, una diferencia de un punto porcentual en tasa es inferior a $ 3 por mes y menos de $ 100 en interés total durante el plazo”.

¿Cómo puede obtener un préstamo asequible a pesar de las altas tasas de interés?

Las tasas de interés de préstamos personales son actualmente altas, pero la tasa federal no es el único factótum que afecta el costo de su préstamo. Puede tomar varios pasos para ayudar a obtener el mejor trato posible, incluida la perfeccionamiento de su puntaje de crédito y la solicitud con un copestro.

“Aquí es donde comprar entre diferentes prestamistas en realidad podría dar sus frutos”, agrega McBride.

Estos son algunos de los pasos que puede tomar para obtener el mejor trato posible en su préstamo personal:

Final

Oportuno a que los préstamos personales son productos de interés fijo, los prestatarios actuales no se verán afectados por los cambios en la tasa de la Fed. Si acertadamente es poco probable que las tasas de interés en nuevos préstamos se desplomen pronto, los nuevos prestatarios aún pueden catalogar para tarifas competitivas al mejorar su crédito y comprar las mejores ofertas. Si las tarifas se enfrían, los prestatarios con un crédito bueno y excelente que obtuvieron préstamos cuando las tarifas estaban en su apogeo deberían considerar refinanciar sus préstamos personales.

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