{"id":10894,"date":"2025-08-11T15:29:39","date_gmt":"2025-08-11T22:29:39","guid":{"rendered":"https:\/\/www.emboldcu.org\/?p=10894"},"modified":"2025-08-11T15:38:42","modified_gmt":"2025-08-11T22:38:42","slug":"thinking-about-buying-an-electric-vehicle-heres-what-you-need-to-know-before-the-federal-ev-tax-credit-expires","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/thinking-about-buying-an-electric-vehicle-heres-what-you-need-to-know-before-the-federal-ev-tax-credit-expires\/","title":{"rendered":"\u00bfEst\u00e1 pensando en comprar un veh\u00edculo el\u00e9ctrico? Esto es lo que debe saber antes de que caduque el cr\u00e9dito fiscal federal para veh\u00edculos el\u00e9ctricos"},"content":{"rendered":"<p>Si est\u00e1s pensando en cambiar a un veh\u00edculo el\u00e9ctrico (VE), ahora es el momento de enchufarte, literal y econ\u00f3micamente. La desgravaci\u00f3n fiscal federal para VE de hasta $7.500 caduca el 30 de septiembre de 2025.<\/p>\n<p>Esto es lo que debe saber antes de que finalice el plazo y c\u00f3mo Embold puede ayudarle a ahorrar a\u00fan m\u00e1s.<\/p>\n<h5>\u00bfQu\u00e9 es el cr\u00e9dito fiscal federal para veh\u00edculos el\u00e9ctricos?<\/h5>\n<p>Ahora mismo, los compradores que cumplan los requisitos pueden recibir hasta $7.500 en cr\u00e9ditos fiscales federales para VE al comprar un veh\u00edculo el\u00e9ctrico nuevo, o hasta $4.000 para VE usados. Estos cr\u00e9ditos reducen la factura fiscal federal y ayudan a reducir el coste total de la electricidad.<\/p>\n<p>Para ello, su veh\u00edculo debe<\/p>\n<ul>\n<li>Fabricarse en Norteam\u00e9rica<\/li>\n<li>Cumplir los l\u00edmites de precio ($55.000 para la mayor\u00eda de los coches, $80.000 para todoterrenos y camiones).<\/li>\n<li>Comprarse antes del 30 de septiembre de 2025<\/li>\n<\/ul>\n<h5>\u00bfPor qu\u00e9 caduca?<\/h5>\n<p>En un principio, los cr\u00e9ditos fiscales para veh\u00edculos el\u00e9ctricos se extender\u00edan hasta 2032, pero un reciente cambio en la legislaci\u00f3n federal ha adelantado su fecha de expiraci\u00f3n. Despu\u00e9s del 30 de septiembre de 2025, estos cr\u00e9ditos dejar\u00e1n de estar disponibles.<\/p>\n<h5>\u00bfQu\u00e9 pasa despu\u00e9s?<\/h5>\n<p>Cuando expiren los cr\u00e9ditos, los compradores de VE perder\u00e1n el acceso al incentivo fiscal federal de $7.500, y los veh\u00edculos podr\u00edan resultar m\u00e1s caros para muchos compradores. Es posible que haya una nueva deducci\u00f3n federal de los intereses de los pr\u00e9stamos, pero no supondr\u00e1 el mismo ahorro inicial.<\/p>\n<h5>C\u00f3mo Embold le ayuda a ahorrar m\u00e1s<\/h5>\n<p>Estamos orgullosos de apoyar a los miembros que eligen veh\u00edculos el\u00e9ctricos. De hecho, los veh\u00edculos EV, PHEV e h\u00edbridos elegibles tienen derecho a una reducci\u00f3n de tarifa de 0,25% en Embold.<sup>1<\/sup> \u00bfNo est\u00e1s seguro de si el coche que est\u00e1s mirando cumple los requisitos? <a href=\"https:\/\/www.nhtsa.gov\/vin-decoder\">\u00a1Haga clic aqu\u00ed para verificar!<\/a> Eso significa a\u00fan m\u00e1s ahorro a largo plazo cuando financias con nosotros.<\/p>\n<p>Tanto si quiere comprar su primer veh\u00edculo el\u00e9ctrico como si quiere renovar el suyo, hacemos que el proceso sea r\u00e1pido, local y sencillo.<\/p>\n<h5>Consejos para comprar un VE<\/h5>\n<ul>\n<li>Aseg\u00farese de que el modelo que est\u00e1 considerando puede acogerse al cr\u00e9dito federal (consulte <a href=\"http:\/\/FuelEconomy.gov\">FuelEconomy.gov<\/a>)<\/li>\n<li>Considere el coste total de propiedad: carga, mantenimiento, seguro y productos de protecci\u00f3n como la cobertura GAP y la cobertura de reparaci\u00f3n mec\u00e1nica (MRC) para salvaguardar su inversi\u00f3n.<\/li>\n<li>Embold tambi\u00e9n puede ayudarle a financiar su cargador EV -<a href=\"https:\/\/www.emboldcu.org\/es\/auto-loans\/\"> hasta $2.000 pueden incluirse en tu pr\u00e9stamo<\/a> para cubrir los gastos de instalaci\u00f3n de un conector en casa<\/li>\n<li><a href=\"https:\/\/www.emboldcu.org\/es\/auto-loans\/\">Comience pronto la preaprobaci\u00f3n de su pr\u00e9stamo<\/a> para evitar retrasos antes de la fecha l\u00edmite<\/li>\n<\/ul>\n<h5>Conclusi\u00f3n<\/h5>\n<p>Si est\u00e1s pensando en comprar un veh\u00edculo el\u00e9ctrico, ahora es el momento de actuar. Entre el descuento en la tarifa de Embold y la desgravaci\u00f3n fiscal federal, podr\u00edas ahorrar miles de euros, pero solo si te mudas antes de la fecha l\u00edmite.<\/p>\n<p>Ll\u00e1manos al <a href=\"tel:5036560671\">503.656.0671<\/a> para hablar de sus opciones de pr\u00e9stamo EV, o\u00a0<a href=\"https:\/\/access.meridianlink.com\/pos\/embold_250315\/89df3ddc-69cc-4add-8212-237790c6f01f\/new\">solicitar en l\u00ednea ahora<\/a>!<\/p>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1s pensando en cambiar a un veh\u00edculo el\u00e9ctrico (VE), ahora es el momento de enchufarte, literal y econ\u00f3micamente. El cr\u00e9dito fiscal federal para VE de hasta $7.500... <a href=\"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/thinking-about-buying-an-electric-vehicle-heres-what-you-need-to-know-before-the-federal-ev-tax-credit-expires\/\">Lee mas<\/a><\/p>","protected":false},"author":9,"featured_media":10896,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-10894","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Federal EV Tax Credit: How to Save Money<\/title>\n<meta name=\"description\" content=\"Unlock savings with the federal EV tax credit. 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