{"id":303,"date":"2021-11-02T00:55:07","date_gmt":"2021-11-02T00:55:07","guid":{"rendered":"https:\/\/integration.ow.ch\/?page_id=303"},"modified":"2026-01-14T18:36:16","modified_gmt":"2026-01-14T17:36:16","slug":"finanzen","status":"publish","type":"page","link":"https:\/\/integration.ow.ch\/es\/finanzen\/","title":{"rendered":"Finanzas"},"content":{"rendered":"<h1 class=\"wp-block-heading\">Finanzas<\/h1>\n\n\n\n<h2 class=\"wp-block-heading\">Cuenta y presupuesto<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Preguntas:<\/h3>\n\n\n\n<div class=\"wp-block-quick-and-easy-faqs-faqs-accordion-orderby-title-asc\">            <div class=\"qae-faqs-container qae-faqs-toggle-container\">\n\t\t\t\t\t\t\t<ul class=\"qe-faqs-filters-container\">\n\t\t\t\t<li class=\"active\"><a class=\"qe-faqs-filter all-faqs\" href=\"#\" data-filter=\"*\">Todo<\/a><\/li>\n\t\t\t\t<li><a class=\"qe-faqs-filter\" href=\"#Konto und Budget\" data-filter=\".Konto und Budget\">Cuenta y presupuesto<\/a><\/li>\t\t\t<\/ul>\n\t\t\t\t\t<div id=\"qaef-692\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 01. Was kann ich tun, wenn ich Schulden habe?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignleft size-full\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F8-3_15427176_Alterfalter_04d73c41e5.jpg\" alt=\"\" class=\"wp-image-693\" \/><\/figure>\n\n\n\n<p>Schulden k\u00f6nnen schnell \u00fcberfordern. Suchen Sie sich daher Hilfe bei einer professionellen Schuldenberatung wie zu Beispiel die <strong><em><a href=\"https:\/\/caritas-regio.ch\/angebote\/soziale-rechtliche-unterstuetzung\/schuldenberatung\">Schuldenberatung von Caritas<\/a><\/em><\/strong> oder der <em><strong><a href=\"https:\/\/www.rsd-obwalden.ch\/\">Regionale Sozialdienst Obwalden (RSD)<\/a><\/strong><\/em>.<\/p>\n\n\n\n<p>Je fr\u00fcher, desto besser! Denn je l\u00e4nger Sie warten, umso gr\u00f6sser werden die Schulden und Schwierigkeiten.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-679\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 02. Wie kann ich ein Bank- oder Postkonto er\u00f6ffnen?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignleft size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F2-2_DieSchweizerische_Post_1e6c7847a1.jpg\" alt=\"\" class=\"wp-image-680\" style=\"width:300px;height:203px\" \/><\/figure>\n\n\n\n<p>Cualquier persona que quiera utilizar los servicios de un banco o de Postfinance necesita un&nbsp;<strong>Cuenta.<\/strong>&nbsp;<\/p>\n\n\n\n<p>Para abrir una cuenta, dir\u00edjase al banco u oficina de correos que haya elegido y ases\u00f3rese primero sobre las opciones. Una vez que haya tomado su decisi\u00f3n y quiera abrir una cuenta, deber\u00e1\u00a0<strong>expulsar<\/strong>. Bringen Sie deshalb Ihren Reisepass und Ausl\u00e4nderausweis mit. Dieser Prozess kann etwas kompliziert sein. Planen Sie deswegen gen\u00fcgend Zeit ein und bringen Sie falls n\u00f6tig eine \u00dcbersetzungshilfe mit. <\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-681\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 03. \u00bfc\u00f3mo puedo pagar mis facturas?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F3-1_34422230_djama_1b248b6eb1.jpg\" alt=\"\" class=\"wp-image-682\" style=\"width:300px;height:203px\" \/><\/figure>\n\n\n\n<p>Es gibt verschiedene M\u00f6glichkeiten, Ihre Rechnungen zu bezahlen. Wenden Sie sich bei Fragen oder Schwierigkeiten direkt an Ihre Bank: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ficha de pago <\/li>\n\n\n\n<li>en el mostrador de correos <\/li>\n\n\n\n<li>a trav\u00e9s de la banca en l\u00ednea (ordenador o smartphone) <\/li>\n\n\n\n<li>Orden de pago (orden permanente) <\/li>\n<\/ul>\n\n\n\n<p>Die Zahlungsfrist von Rechnungen betr\u00e4gt in der Schweiz in der Regel etwa10 bis 30 Tage. Verstreicht diese Frist ohne dass Sie die Rechnung bezahlt haben, so d\u00fcrfen Unternehmen in der Schweiz den Kunden mahnen oder gar betreiben. <br>Esto puede acarrear costes elevados. Por eso es importante pagar siempre las facturas dentro de plazo.<\/p>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div id=\"qaef-686\" class=\"qe-faq-toggle konto-und-budget\">\n\t\t\t<div class=\"qe-toggle-title\">\n\t\t\t\t<h4>\n\t\t\t\t\t<i class=\"fa fa-minus-circle\"><\/i> 04. Was ist ein Haushaltbudget?\t\t\t\t<\/h4>\n\t\t\t<\/div>\n\t\t\t<div class=\"qe-toggle-content\">\n\t\t\t\t\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image alignright size-full is-resized\"><img decoding=\"async\" loading=\"lazy\" width=\"300\" height=\"203\" src=\"https:\/\/integration.ow.ch\/wp-content\/uploads\/2021\/11\/csm_F5-1_26278903_CLUPIXimages_4716de3521.jpg\" alt=\"\" class=\"wp-image-687\" \/><\/figure>\n\n\n\n<p>Ein Haushaltsbudget ist eine Art Finanzplan, der alle Einnahmen, Ausgaben und andere Aufwendung eines Haushalts zusammenfasst. Ein solches Budget kann f\u00fcr Sie verschiedene Vorteile haben:<\/p>\n<\/div><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Orden en las finanzas <\/li>\n\n\n\n<li>Man weiss jederzeit wieviel Geld man noch zur Verf\u00fcgung hat <\/li>\n\n\n\n<li>Man weiss, welche geplanten Kosten noch auf einem zukommen <\/li>\n\n\n\n<li>Los objetivos de ahorro pueden alcanzarse mucho m\u00e1s r\u00e1pido <\/li>\n\n\n\n<li>Schulden k\u00f6nnen vermieden werden <\/li>\n<\/ul>\n\n\n\n<p>Informationen rund um das Erstellen von Haushaltsbudgets, mit Vorlagen, Umrechnungsm\u00f6glichkeiten und vielem mehr finden Sie bei der\u00a0<em><a href=\"https:\/\/budgetberatung.ch\/privatpersonen\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Asesoramiento presupuestario<\/strong><\/a><\/em>.\u00a0<strong><em><a href=\"https:\/\/budgetberatung.ch\/budgetvorlagen\">Aqu\u00ed<\/a><\/em><\/strong> finden Sie einige hilfreiche Vorlagen, um ein Haushaltsbudget zu erstellen.<\/p>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t            <\/div>\n\t\t<\/div>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Finanzen Konto und Budget 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