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18:T416,Los préstamos sin aval funcionan mediante un sistema de evaluación crediticia integral centrado exclusivamente en el perfil del solicitante. Inicias proporcionando información detallada sobre tus ingresos, gastos, historial laboral, y historial crediticio personal. Los algoritmos de machine learning analizan múltiples variables incluyendo estabilidad laboral, comportamiento de pago histórico, nivel de endeudamiento actual, y patrones de gastos para crear un perfil de riesgo individual. El sistema también puede analizar información bancaria (con tu autorización) para verificar flujos de efectivo reales. La decisión de aprobación se basa en un score crediticio calculado específicamente para préstamos sin aval, que considera factores como consistencia de ingresos, ratio deuda-ingreso, y probabilidad de pago calculada algorítmicamente. Una vez aprobado, firmas un contrato individual donde eres el único responsable, y el dinero se deposita directamente en tu cuenta sin involucrar a terceros en ningún momento del proceso.a:["$","section",null,{"className":"py-16 bg-white","children":["$","div",null,{"className":"max-w-4xl mx-auto px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl md:text-4xl font-bold text-gray-900 mb-8 text-center","children":["¿Cómo Funcionan los ","Préstamos Sin Aval","?"]}],["$","div",null,{"className":"prose prose-lg max-w-none","children":["$","p",null,{"className":"text-gray-600 text-lg leading-relaxed mb-6","children":"$18"}]}]]}]}]
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