{"id":775,"date":"2020-10-16T16:20:49","date_gmt":"2020-10-16T16:20:49","guid":{"rendered":"https:\/\/cuba.thevalentineconstitution.com\/?page_id=775"},"modified":"2020-12-21T17:52:11","modified_gmt":"2020-12-21T17:52:11","slug":"margenes-bancarios","status":"publish","type":"page","link":"https:\/\/cuba.thevalentineconstitution.com\/temas\/margenes-bancarios\/","title":{"rendered":"M\u00e1rgenes Bancarios"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container fusion-parallax-fixed nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-medium-visibility\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlag.jpg&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;\" id=\"LargeScreen\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-align-content-center fusion-flex-justify-content-center\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_4_5 4_5 fusion-flex-column fusion-flex-align-self-center fusion-no-small-visibility fusion-no-medium-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-block\" style=\"background-image: url(&#039;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg&#039;);background-position:center center;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#ffffff;border-width: 2px 2px 2px 2px;border-color:#000000;border-style:solid;box-shadow:6px 6px 4px 1px #000000;;padding: 40px 80px 40px 80px;\" data-bg-url=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\" style=\"width:100%;max-width:700px;margin-top:0px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/cuba.thevalentineconstitution.com\" target=\"_self\" aria-label=\"La Constitucion Valentine Trajan Logo 20 Dec 2020\"><img decoding=\"async\" width=\"1855\" height=\"141\" alt=\"La Constituci\u00f3n Valentine\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png\" class=\"img-responsive wp-image-1244\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-200x15.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-400x30.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-600x46.png 600w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-800x61.png 800w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-1200x91.png 1200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png 1855w\" sizes=\"(max-width: 640px) 100vw, 800px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-1\" style=\"text-align:center;line-height:1.15;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-family: Times New Roman; color: #000000;\"><em>para<\/em><br \/>\n<strong><span style=\"font-size: 30px;\">CUBA<\/span><\/strong><\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none\" style=\"width:100%;max-width:120px;margin-top:-5px;margin-bottom:20px;\"><img decoding=\"async\" width=\"220\" height=\"112\" title=\"CubanFlagSmallStroke\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png\" class=\"img-responsive wp-image-14\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke-200x102.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png 220w\" sizes=\"(max-width: 640px) 100vw, 220px\" \/><\/span><\/div><div class=\"fusion-widget fusion-widget-element fusion-widget-area fusion-content-widget-area wpWidget-1 fusion-widget-align-center fusion-widget-mobile-align-center\" style=\"border-width:0px;border-style:solid;\"><div class=\"widget widget_polylang\"><label class=\"screen-reader-text\" for=\"lang_choice_polylang--1\">Choose a language<\/label><select name=\"lang_choice_polylang--1\" id=\"lang_choice_polylang--1\" class=\"pll-switcher-select\">\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/margenes-bancarios\/\" lang=\"es-ES\" selected='selected'>Espa\u00f1ol<\/option>\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/en\/issues\/bank-spreads\/\" lang=\"en-US\">English<\/option>\n\n<\/select>\n<script type=\"text\/javascript\">\n\t\t\t\t\tdocument.getElementById( \"lang_choice_polylang--1\" ).addEventListener( \"change\", function ( event ) { location.href = event.currentTarget.value; } )\n\t\t\t\t<\/script><\/div><\/div><div class=\"fusion-text fusion-text-2\" style=\"font-size:14pt;line-height:1.25;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-size: 24pt;\"><strong>M\u00c1RGENES BANCARIOS<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>primer margen:<\/strong> Los bancos hoy pueden quedarse con la diferencia entre el <strong>2%<\/strong> que le pagan a usted por sus <strong>ahorros<\/strong> y el <strong>5%<\/strong> que cobran por <strong>prestar sus ahorros a terceros.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>segundo margen:<\/strong> Los bancos actuales pueden prestar 33 veces sus ahorros, o <strong>\u00a1$33,000 por cada $1,000 que usted ahorra!<\/strong> \u00bfQu\u00e9 hace el banquero para conseguir todo ese dinero? S\u00f3lo registrar <strong>la informaci\u00f3n del prestador en un programa que acepta o rechaza el pr\u00e9stamo<\/strong> y fija la tasa. Usted podr\u00e1 <strong>hacer eso en su cuenta online<\/strong> con un click de su rat\u00f3n. Y no recibir\u00e1 un \u201ccuestionado\u201d (que hoy en d\u00eda da\u00f1a su cr\u00e9dito) y no habr\u00e1 Agencias de Reporteo de Cr\u00e9dito. Recibir\u00e1 una tasa considerablemente m\u00e1s <strong>alta por sus ahorros<\/strong>, y pagar\u00e1 una <strong>tasa considerablemente m\u00e1s baja por sus pr\u00e9stamos.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>tercer margen:<\/strong> Los bancos actualmente pueden quedarse con el inter\u00e9s <strong>sobre el dinero que espera ser \u201cdisponible\u201d<\/strong> mientras transita de una cuenta a otra. \u00bfCu\u00e1nto puede tardar esto en la era actual de cambio de alta velocidad?<\/p>\n<p style=\"text-indent: 50px;\"><strong>Cuarto<\/strong>, Los Ciudadanos adicionalmente pagan <strong>todos los costes de las sucursales bancarias f\u00edsicas:<\/strong> terrenos, aparcamientos, edificios, utilidades, suministros, equipo y sueldos.<\/p>\n<p style=\"text-indent: 50px;\">El banco de utilidad p\u00fablico de la Constituci\u00f3n Valentine <strong>nos ahorra todos los costes de sucursales f\u00edsicas y los tres \u201cm\u00e1rgenes\u201d<\/strong>, y en vez de eso otorga a ahorradores y prestadores tasas de inter\u00e9s justos.<\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-3 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"300\" alt=\"Schools\" title=\"TVC Int Summary HEARTS Spanish Margenes Bancarios 15 Oct 2020\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-300x300.png\" class=\"img-responsive wp-image-828\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-200x200.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-400x400.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020.png 480w\" sizes=\"(max-width: 640px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-3\" style=\"font-size:14pt;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center;\"><a href=\"https:\/\/cuba.thevalentineconstitution.com\"><em>INICIO<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/acerca-de\/\"><em>ACERCA DE<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/\"><em>TEMAS<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/prensa\/\"><em>DOSSIER DE PRENSA<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo1\/\"><em>ART\u00cdCULO 1<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo2\/\"><em>ART\u00cdCULO 2<\/em><\/a><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-0{width:80% !important;margin-top : 50px;margin-bottom : 50px;}.fusion-builder-column-0 > .fusion-column-wrapper {padding-top : 40px !important;padding-right : 80px !important;margin-right : 2.4%;padding-bottom : 40px !important;padding-left : 80px !important;margin-left : 2.4%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-0{width:80% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 2.4%;margin-left : 2.4%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-0{width:100% !important;order : 0;}.fusion-builder-column-0 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-1 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-1 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.fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 317px;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:640px) {.fusion-body .fusion-flex-container.fusion-builder-row-1{ padding-top : 0px;margin-top : 0px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container fusion-parallax-fixed nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-small-visibility fusion-no-large-visibility\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlag.jpg&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;\" id=\"MediumScreen\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-align-content-center fusion-flex-justify-content-center\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-center fusion-no-small-visibility fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-space-between fusion-content-layout-block\" style=\"background-image: url(&#039;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg&#039;);background-position:center top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#ffffff;border-width: 2px 2px 2px 2px;border-color:#000000;border-style:solid;box-shadow:6px 6px 4px 1px #000000;;padding: 40px 80px 40px 80px;\" data-bg-url=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-4 hover-type-none\" style=\"width:100%;max-width:700px;margin-top:40px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/cuba.thevalentineconstitution.com\" target=\"_self\" aria-label=\"La Constitucion Valentine Trajan Logo 20 Dec 2020\"><img decoding=\"async\" width=\"1855\" height=\"141\" alt=\"La Constituci\u00f3n Valentine\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png\" class=\"img-responsive wp-image-1244\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-200x15.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-400x30.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-600x46.png 600w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-800x61.png 800w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-1200x91.png 1200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png 1855w\" sizes=\"(max-width: 640px) 100vw, 1200px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-4\" style=\"text-align:center;line-height:1.15;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-family: Times New Roman; color: #000000;\"><em>para<\/em><br \/>\n<strong><span style=\"font-size: 30px;\">CUBA<\/span><\/strong><\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-5 hover-type-none\" style=\"width:100%;max-width:120px;margin-top:-15px;margin-bottom:10px;\"><img decoding=\"async\" width=\"220\" height=\"112\" title=\"CubanFlagSmallStroke\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png\" class=\"img-responsive wp-image-14\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke-200x102.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png 220w\" sizes=\"(max-width: 640px) 100vw, 220px\" \/><\/span><\/div><div class=\"fusion-widget fusion-widget-element fusion-widget-area fusion-content-widget-area wpWidget-2 fusion-widget-align-center fusion-widget-mobile-align-center\" style=\"border-width:0px;border-style:solid;\"><div class=\"widget widget_polylang\"><label class=\"screen-reader-text\" for=\"lang_choice_polylang--1\">Choose a language<\/label><select name=\"lang_choice_polylang--1\" id=\"lang_choice_polylang--1\" class=\"pll-switcher-select\">\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/margenes-bancarios\/\" lang=\"es-ES\" selected='selected'>Espa\u00f1ol<\/option>\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/en\/issues\/bank-spreads\/\" lang=\"en-US\">English<\/option>\n\n<\/select>\n<script type=\"text\/javascript\">\n\t\t\t\t\tdocument.getElementById( \"lang_choice_polylang--1\" ).addEventListener( \"change\", function ( event ) { location.href = event.currentTarget.value; } )\n\t\t\t\t<\/script><\/div><\/div><div class=\"fusion-text fusion-text-5\" style=\"font-size:14pt;line-height:1.25;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-size: 24pt;\"><strong>M\u00c1RGENES BANCARIOS<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>primer margen:<\/strong> Los bancos hoy pueden quedarse con la diferencia entre el <strong>2%<\/strong> que le pagan a usted por sus <strong>ahorros<\/strong> y el <strong>5%<\/strong> que cobran por <strong>prestar sus ahorros a terceros.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>segundo margen:<\/strong> Los bancos actuales pueden prestar 33 veces sus ahorros, o <strong>\u00a1$33,000 por cada $1,000 que usted ahorra!<\/strong> \u00bfQu\u00e9 hace el banquero para conseguir todo ese dinero? S\u00f3lo registrar <strong>la informaci\u00f3n del prestador en un programa que acepta o rechaza el pr\u00e9stamo<\/strong> y fija la tasa. Usted podr\u00e1 <strong>hacer eso en su cuenta online<\/strong> con un click de su rat\u00f3n. Y no recibir\u00e1 un \u201ccuestionado\u201d (que hoy en d\u00eda da\u00f1a su cr\u00e9dito) y no habr\u00e1 Agencias de Reporteo de Cr\u00e9dito. Recibir\u00e1 una tasa considerablemente m\u00e1s <strong>alta por sus ahorros<\/strong>, y pagar\u00e1 una <strong>tasa considerablemente m\u00e1s baja por sus pr\u00e9stamos.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>tercer margen:<\/strong> Los bancos actualmente pueden quedarse con el inter\u00e9s <strong>sobre el dinero que espera ser \u201cdisponible\u201d<\/strong> mientras transita de una cuenta a otra. \u00bfCu\u00e1nto puede tardar esto en la era actual de cambio de alta velocidad?<\/p>\n<p style=\"text-indent: 50px;\"><strong>Cuarto<\/strong>, Los Ciudadanos adicionalmente pagan <strong>todos los costes de las sucursales bancarias f\u00edsicas:<\/strong> terrenos, aparcamientos, edificios, utilidades, suministros, equipo y sueldos.<\/p>\n<p style=\"text-indent: 50px;\">El banco de utilidad p\u00fablico de la Constituci\u00f3n Valentine <strong>nos ahorra todos los costes de sucursales f\u00edsicas y los tres \u201cm\u00e1rgenes\u201d<\/strong>, y en vez de eso otorga a ahorradores y prestadores tasas de inter\u00e9s justos.<\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-6 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"300\" alt=\"Schools\" title=\"TVC Int Summary HEARTS Spanish Margenes Bancarios 15 Oct 2020\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-300x300.png\" class=\"img-responsive wp-image-828\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-200x200.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-400x400.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020.png 480w\" sizes=\"(max-width: 640px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-6\" style=\"font-size:14pt;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center;\"><a href=\"https:\/\/cuba.thevalentineconstitution.com\"><em>INICIO<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/acerca-de\/\"><em>ACERCA DE<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/\"><em>TEMAS<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/prensa\/\"><em>DOSSIER DE PRENSA<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo1\/\"><em>ART\u00cdCULO 1<\/em><\/a>\u00a0\u00a0\u00a0&#x2665;\u00a0\u00a0\u00a0<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo2\/\"><em>ART\u00cdCULO 2<\/em><\/a><\/p>\n<\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-1{width:100% !important;margin-top : 50px;margin-bottom : 50px;}.fusion-builder-column-1 > .fusion-column-wrapper {padding-top : 40px !important;padding-right : 80px !important;margin-right : 1.92%;padding-bottom : 40px !important;padding-left : 80px !important;margin-left : 1.92%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-1{width:80% !important;order : 0;margin-top : 10px;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 2.4%;margin-left : 2.4%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-1{width:100% !important;order : 0;}.fusion-builder-column-1 > .fusion-column-wrapper {margin-right : 1.92%;margin-left : 1.92%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-2 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-2 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.tooltip-shortcode {color: #0000ff;}#wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .menu li.current_page_ancestor > a, #wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .menu li.current_page_ancestor > a:before, #wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .current-menu-item > a, #wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .current-menu-item > a:before, #wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .current_page_item > a, #wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .fusion-vertical-menu-widget .current_page_item > a:before {color: #0000ff;}#wrapper .fusion-fullwidth.fusion-builder-row-2 .fusion-widget-area .widget_nav_menu .menu li.current_page_ancestor > a, #wrapper .fusion-fullwidth.fusion-builder-row-2 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.fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;padding-right : 0px;padding-bottom : 317px;margin-bottom : 0px;padding-left : 0px;}@media only screen and (max-width:640px) {.fusion-body .fusion-flex-container.fusion-builder-row-2{ padding-top : 0px;margin-top : 0px;}}<\/style><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container fusion-parallax-fixed nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-no-medium-visibility fusion-no-large-visibility\" style=\"background-color: rgba(255,255,255,0);background-image: url(&quot;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlag.jpg&quot;);background-position: center center;background-repeat: no-repeat;border-width: 0px 0px 0px 0px;border-color:#e2e2e2;border-style:solid;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-attachment:fixed;\" id=\"SmallScreen\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-align-content-flex-start fusion-flex-justify-content-space-evenly\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_3_4 3_4 fusion-flex-column fusion-flex-align-self-flex-start fusion-no-medium-visibility fusion-no-large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-block\" style=\"background-image: url(&#039;https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg&#039;);background-position:center top;background-repeat:no-repeat;-webkit-background-size:cover;-moz-background-size:cover;-o-background-size:cover;background-size:cover;background-color:#ffffff;border-width: 2px 2px 2px 2px;border-color:#000000;border-style:solid;box-shadow:6px 6px 4px 1px #000000;;padding: 20px 40px 20px 40px;\" data-bg-url=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/Marble-Composite-Texture-8-Dec-2020-1-scaled.jpg\"><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-7 hover-type-none\" style=\"width:100%;max-width:620px;margin-top:40px;\"><a class=\"fusion-no-lightbox\" href=\"https:\/\/cuba.thevalentineconstitution.com\" target=\"_self\" aria-label=\"La Constitucion Valentine Trajan Logo 20 Dec 2020\"><img decoding=\"async\" width=\"1855\" height=\"141\" alt=\"La Constituci\u00f3n Valentine\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png\" class=\"img-responsive wp-image-1244\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-200x15.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-400x30.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-600x46.png 600w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-800x61.png 800w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020-1200x91.png 1200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/12\/La-Constitucion-Valentine-Trajan-Logo-20-Dec-2020.png 1855w\" sizes=\"(max-width: 640px) 100vw, 800px\" \/><\/a><\/span><\/div><div class=\"fusion-text fusion-text-7\" style=\"text-align:center;font-size:10pt;line-height:.95;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-family: Times New Roman; color: #000000;\"><em>para<\/em><br \/>\n<strong><span style=\"font-size: 30px;\">CUBA<\/span><\/strong><\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-8 hover-type-none\" style=\"width:100%;max-width:80px;margin-top:-10px;margin-bottom:10px;\"><img decoding=\"async\" width=\"220\" height=\"112\" title=\"CubanFlagSmallStroke\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png\" class=\"img-responsive wp-image-14\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke-200x102.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/08\/CubanFlagSmallStroke.png 220w\" sizes=\"(max-width: 640px) 100vw, 220px\" \/><\/span><\/div><div class=\"fusion-widget fusion-widget-element fusion-widget-area fusion-content-widget-area wpWidget-3 fusion-widget-align-center fusion-widget-mobile-align-center\" style=\"border-width:0px;border-style:solid;\"><div class=\"widget widget_polylang\"><label class=\"screen-reader-text\" for=\"lang_choice_polylang--1\">Choose a language<\/label><select name=\"lang_choice_polylang--1\" id=\"lang_choice_polylang--1\" class=\"pll-switcher-select\">\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/margenes-bancarios\/\" lang=\"es-ES\" selected='selected'>Espa\u00f1ol<\/option>\n\t<option value=\"https:\/\/cuba.thevalentineconstitution.com\/en\/issues\/bank-spreads\/\" lang=\"en-US\">English<\/option>\n\n<\/select>\n<script type=\"text\/javascript\">\n\t\t\t\t\tdocument.getElementById( \"lang_choice_polylang--1\" ).addEventListener( \"change\", function ( event ) { location.href = event.currentTarget.value; } )\n\t\t\t\t<\/script><\/div><\/div><div class=\"fusion-text fusion-text-8\" style=\"font-size:14pt;line-height:1.25;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center; font-size: 24pt;\"><strong>M\u00c1RGENES BANCARIOS<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>primer margen:<\/strong> Los bancos hoy pueden quedarse con la diferencia entre el <strong>2%<\/strong> que le pagan a usted por sus <strong>ahorros<\/strong> y el <strong>5%<\/strong> que cobran por <strong>prestar sus ahorros a terceros.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>segundo margen:<\/strong> Los bancos actuales pueden prestar 33 veces sus ahorros, o <strong>\u00a1$33,000 por cada $1,000 que usted ahorra!<\/strong> \u00bfQu\u00e9 hace el banquero para conseguir todo ese dinero? S\u00f3lo registrar <strong>la informaci\u00f3n del prestador en un programa que acepta o rechaza el pr\u00e9stamo<\/strong> y fija la tasa. Usted podr\u00e1 <strong>hacer eso en su cuenta online<\/strong> con un click de su rat\u00f3n. Y no recibir\u00e1 un \u201ccuestionado\u201d (que hoy en d\u00eda da\u00f1a su cr\u00e9dito) y no habr\u00e1 Agencias de Reporteo de Cr\u00e9dito. Recibir\u00e1 una tasa considerablemente m\u00e1s <strong>alta por sus ahorros<\/strong>, y pagar\u00e1 una <strong>tasa considerablemente m\u00e1s baja por sus pr\u00e9stamos.<\/strong><\/p>\n<p style=\"text-indent: 50px;\">El <strong>tercer margen:<\/strong> Los bancos actualmente pueden quedarse con el inter\u00e9s <strong>sobre el dinero que espera ser \u201cdisponible\u201d<\/strong> mientras transita de una cuenta a otra. \u00bfCu\u00e1nto puede tardar esto en la era actual de cambio de alta velocidad?<\/p>\n<p style=\"text-indent: 50px;\"><strong>Cuarto<\/strong>, Los Ciudadanos adicionalmente pagan <strong>todos los costes de las sucursales bancarias f\u00edsicas:<\/strong> terrenos, aparcamientos, edificios, utilidades, suministros, equipo y sueldos.<\/p>\n<p style=\"text-indent: 50px;\">El banco de utilidad p\u00fablico de la Constituci\u00f3n Valentine <strong>nos ahorra todos los costes de sucursales f\u00edsicas y los tres \u201cm\u00e1rgenes\u201d<\/strong>, y en vez de eso otorga a ahorradores y prestadores tasas de inter\u00e9s justos.<\/p>\n<\/div><div class=\"imageframe-align-center\"><span class=\" fusion-imageframe imageframe-none imageframe-9 hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"300\" alt=\"Schools\" title=\"TVC Int Summary HEARTS Spanish Margenes Bancarios 15 Oct 2020\" src=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-300x300.png\" class=\"img-responsive wp-image-828\" srcset=\"https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-200x200.png 200w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020-400x400.png 400w, https:\/\/cuba.thevalentineconstitution.com\/wp-content\/uploads\/2020\/10\/TVC-Int-Summary-HEARTS-Spanish-Margenes-Bancarios-15-Oct-2020.png 480w\" sizes=\"(max-width: 640px) 100vw, 300px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-9\" style=\"text-align:center;line-height:1.25;font-family:&#039;Times New Roman&#039;, Times,serif;font-weight:400;\"><p style=\"text-align: center;\"><a href=\"https:\/\/cuba.thevalentineconstitution.com\"><em>INICIO<\/em><\/a><br \/>\n<a href=\"https:\/\/cuba.thevalentineconstitution.com\/acerca-de\/\"><em>ACERCA DE<\/em><\/a><br \/>\n<a href=\"https:\/\/cuba.thevalentineconstitution.com\/temas\/\"><em>TEMAS<\/em><\/a><br \/>\n<a href=\"https:\/\/cuba.thevalentineconstitution.com\/prensa\/\"><em>DOSSIER DE PRENSA<\/em><\/a><br \/>\n<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo1\/\"><em>ART\u00cdCULO 1<\/em><\/a><br \/>\n<a href=\"https:\/\/cuba.thevalentineconstitution.com\/articulo2\/\"><em>ART\u00cdCULO 2<\/em><\/a><\/p>\n<\/div><div class=\"fusion-text fusion-text-10 sm-text-align-center\" style=\"font-size:12pt;line-height:1.25;color:#000000;font-family:&#039;Times New Roman&#039;, Times,serif;\"><\/div><\/div><style type=\"text\/css\">.fusion-body .fusion-builder-column-2{width:75% !important;margin-top : 0px;margin-bottom : 50px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 20px !important;padding-right : 40px !important;margin-right : 2.56%;padding-bottom : 20px !important;padding-left : 40px !important;margin-left : 2.56%;}@media only screen and (max-width:1024px) {.fusion-body .fusion-builder-column-2{width:75% !important;order : 0;}.fusion-builder-column-2 > .fusion-column-wrapper {margin-right : 2.56%;margin-left : 2.56%;}}@media only screen and (max-width:640px) {.fusion-body .fusion-builder-column-2{width:80% !important;order : 1;margin-top : 15px;}.fusion-builder-column-2 > .fusion-column-wrapper {padding-top : 0px !important;margin-right : 2.4%;margin-left : 2.4%;}}<\/style><\/div><\/div><style type=\"text\/css\">.fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover, .fusion-fullwidth.fusion-builder-row-3 a:not(.fusion-button):not(.fusion-builder-module-control):not(.fusion-social-network-icon):not(.fb-icon-element):not(.fusion-countdown-link):not(.fusion-rollover-link):not(.fusion-rollover-gallery):not(.fusion-button-bar):not(.add_to_cart_button):not(.show_details_button):not(.product_type_external):not(.fusion-view-cart):not(.fusion-quick-view):not(.fusion-rollover-title-link):not(.fusion-breadcrumb-link):hover:before, .fusion-fullwidth.fusion-builder-row-3 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