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Conozca las diferencias entre subvenciones y préstamos del Gobierno

USA.gov en español. (PRNewsfoto/USA.gov en español)

News provided by

USAGov en Español

Dec 14, 2020, 17:18 ET

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WASHINGTON, 14 de diciembre de 2020 /PRNewswire-HISPANIC PR WIRE/ -- ¿Usted o su familia necesitan ayuda económica para cubrir una necesidad personal? ¿Trabaja en una organización sin fines de lucro en la cual necesitan asistencia para completar un proyecto? Tal vez ha escuchado que el Gobierno ofrece ayuda financiera, pero no sabe cuál es el tipo de asistencia al que pudiera tener acceso y dónde informarse. Lo primero que debe tener claro es que existen dos tipos de ayuda económica que ofrece el Gobierno y que cada una de ellas tiene distintos requisitos de elegibilidad.

Las principales diferencias entre subvenciones y préstamos del Gobierno

Subvenciones o "grants"

Las subvenciones o "grants" son ayuda económica para financiar proyectos o para ofrecer servicios públicos, y solo están disponibles para organizaciones sin fines de lucro, universidades, estados y gobiernos locales. Tenga en cuenta que:

  • La mayoría de las oportunidades de financiamiento de las subvenciones del Gobierno no son para individuos.
  • Si encuentra información en internet o en otros medios que asegure que el Gobierno ofrece subvenciones o "dinero gratis" a las personas para iniciar un negocio o ayudarle con el pago de facturas, no lo crea, puede ser una estafa.
  • Si usted es parte de una organización y cree que esta puede ser elegible para una subvención del Gobierno de Estados Unidosencuentre información gratuita sobre las subvenciones que están disponibles, sugerencias y herramientas para ayudarlo en el proceso de solicitud (en inglés).

Préstamos

El Gobierno otorga préstamos a las personas para fines específicos, como por ejemplo: para ayudar con el financiamiento de la educación, para asistir con las necesidades de vivienda o como respuesta a una emergencia o crisis. Tenga en cuenta que:

  • Los préstamos, a diferencia de las subvenciones, deben ser devueltos en pagos que a menudo son con intereses.
  • Si lo que usted necesita es dinero para cubrir una necesidad personal, tal vez puede ser elegible para uno de los préstamos que otorga el Gobierno.
  • Para buscar préstamos gubernamentales utilice el sitio web oficial gratuito del Gobierno federal Gov Loans.gov, donde puede acceder a información sobre préstamos para agricultura, empresas, asistencia en caso de desastres, educación, vivienda y veteranos. Averigüe si es elegible para un préstamo del Gobierno utilizando laherramienta de evaluación previa en línea.

Encuentre más información sobre las subvenciones y los préstamos que otorga el Gobierno, en USA.gov en español.

USAGov en Español es parte de USAGov, un programa federal que lo conecta a la información y los servicios de las agencias, los departamentos y programas del Gobierno de Estados Unidos. USAGov lo ayuda a encontrar respuestas a sus preguntas en inglés y español. Contáctenos por teléfono, o a través de las redes sociales en Facebook o Twitter.

Foto - https://mma.prnewswire.com/media/1385523/Grants_vs_Loans_infographic_SP.jpg
Logo - https://mma.prnewswire.com/media/799928/USA_gov_en_espanol_Logo.jpg

FUENTE USAGov en Español

SOURCE USAGov en Español

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