[vc_row][vc_column][vc_column_text]<\/p>\n
<\/p>\n
[\/vc_column_text][vc_single_image image=\u00bb27140″ img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb][vc_column_text]<\/p>\n
Seg\u00fan la Ley de Seguridad Social en su art\u00edculo innumerado luego del Art. 62 menciona lo siguiente:<\/span><\/p>\n <\/span><\/p>\n PR\u00c9STAMOS HIPOTECARIOS<\/strong>.-<\/span> El IESS podr\u00e1 conceder pr\u00e9stamos hipotecarios en condiciones financieras favorables y hasta por el monto que determine el Consejo Directivo a:<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Afiliados<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Pensionistas de vejez o jubilados,<\/span><\/p>\n <\/span><\/p>\n Estos pr\u00e9stamos se conceder\u00e1n a una tasa que no podr\u00e1 ser menor a la tasa actuarial, que comprende la tasa de inflaci\u00f3n m\u00e1s los puntos porcentuales determinados por los estudios actuariales m\u00e1s el porcentaje de rendimiento m\u00ednimo que determine el IESS.<\/span><\/p>\n <\/span><\/p>\n Plazos de concesi\u00f3n<\/strong><\/span><\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 De hasta 25 a\u00f1os, para el caso de adquisici\u00f3n o construcci\u00f3n de vivienda;<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 De hasta 15 a\u00f1os en el caso de remodelaci\u00f3n, ampliaci\u00f3n o mejoramiento de las mismas.<\/span><\/p>\n <\/span><\/p>\n Pr\u00e9stamos a jubilados<\/strong><\/span><\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 El plazo guardar\u00e1 relaci\u00f3n directa con el c\u00e1lculo de los a\u00f1os de probabilidad de vida establecida para cada jubilado.<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Para el caso de remodelaci\u00f3n, ampliaci\u00f3n o mejoramiento, podr\u00e1 aceptarse segunda hipoteca y otras garant\u00edas que permitan la recuperaci\u00f3n del cr\u00e9dito de conformidad con el reglamento respectivo.<\/span><\/p>\n <\/span><\/p>\n Para la concesi\u00f3n de los cr\u00e9ditos hipotecarios los afiliados deber\u00e1n acreditar los requisitos m\u00ednimos que se\u00f1alen los reglamentos respectivos.<\/span><\/p>\n <\/span><\/p>\n El IESS podr\u00e1 atender las solicitudes de concesi\u00f3n de pr\u00e9stamos hipotecarios de aquellos afiliados y jubilados que mantengan operaciones crediticias bajo garant\u00eda hipotecaria en cualquiera de las entidades financieras del pa\u00eds, en ese caso el IESS podr\u00e1 asumir estas obligaciones, donde considerar\u00e1:<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Aval\u00fao actualizado del inmueble,<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Saldo por pagar<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Antecedente de esta obligaci\u00f3n se refiera \u00fanicamente a la adquisici\u00f3n, construcci\u00f3n, remodelaci\u00f3n, ampliaci\u00f3n o mejoramiento de vivienda.<\/span><\/p>\n <\/span><\/p>\n Los afiliados y jubilados podr\u00e1n acceder a un s\u00f3lo cr\u00e9dito hipotecario<\/strong>.<\/span><\/span><\/p>\n <\/span><\/p>\n No podr\u00e1n participar<\/strong><\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Afiliados que se encuentren en mora de sus obligaciones con el IESS<\/span><\/p>\n <\/span><\/p>\n –\u00a0 \u00a0 \u00a0 \u00a0 Los que tengan calificaci\u00f3n D o E en los bur\u00f3s de cr\u00e9dito debidamente autorizados por la Superintendencia de Bancos y Seguros.<\/span><\/p>\n <\/span><\/p>\n En caso de incumplimiento<\/strong><\/span><\/span><\/p>\n <\/span><\/p>\n Si se incumple el pago de tres cuotas mensuales o m\u00e1s, se declarar\u00e1 vencida la totalidad del cr\u00e9dito y se proceder\u00e1 a su cobro inmediato mediante la ejecuci\u00f3n de las garant\u00edas hipotecarias y la venta del inmueble en p\u00fablica subasta.<\/span><\/p>\n <\/span><\/p>\n Art. …-<\/strong> <\/span>Los pr\u00e9stamos hipotecarios que conceda el IESS a sus afiliados est\u00e1n exentos de impuestos.\u00a0<\/span><\/p>\n <\/span><\/p>\n <\/p>\n [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n Mant\u00e9nte en constante actualizaci\u00f3n<\/strong><\/p>\n \u00a1S\u00edguenos en Redes Sociales!<\/strong><\/p>\n [\/vc_column_text][gem_socials style=\u00bbrounded\u00bb colored=\u00bbcustom\u00bb alignment=\u00bbcenter\u00bb icons_size=\u00bb40″ socials=\u00bb%5B%7B%22social%22%3A%22facebook%22%2C%22url%22%3A%22https%3A%2F%2Fwww.facebook.com%2FACLAUDITCO%2F%3Fepa%3DSEARCH_BOX%22%7D%2C%7B%22social%22%3A%22linkedin%22%2C%22url%22%3A%22https%3A%2F%2Fwww.linkedin.com%2Fcompany%2Facl-auditores-y-consultores-latam-ecuador%2F%3FviewAsMember%3Dtrue%22%7D%2C%7B%22social%22%3A%22instagram%22%2C%22url%22%3A%22https%3A%2F%2Fwww.instagram.com%2Facl_latam%2F%22%7D%2C%7B%22social%22%3A%22youtube%22%2C%22url%22%3A%22https%3A%2F%2Fwww.youtube.com%2Fchannel%2FUCZ-wHjiy6Ss3AwamBWk-HAA%3Fview_as%3Dsubscriber%22%7D%5D\u00bb color=\u00bb#08253d\u00bb][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<\/p>\n Ante cualquier duda, comun\u00edcate con nosotros<\/strong><\/p>\n info@acl.com.ec<\/span><\/p>\n [\/vc_column_text][vc_btn title=\u00bbWhatsapp\u00bb style=\u00bbcustom\u00bb custom_background=\u00bb#08253d\u00bb custom_text=\u00bb#f8cc00″ shape=\u00bbround\u00bb align=\u00bbcenter\u00bb link=\u00bburl:https%3A%2F%2Fapi.whatsapp.com%2Fsend%3Fphone%3D%2B593987586407%26text%3DHola%2520Diana%2520%25F0%259F%2591%25A9%25F0%259F%258F%25BB%25E2%2580%258D%25F0%259F%2592%25BB\u00bb][\/vc_column][\/vc_row][vc_row][vc_column][\/vc_column][\/vc_row]<\/p>","protected":false},"excerpt":{"rendered":" [vc_row][vc_column][vc_column_text] PR\u00c9STAMOS HIPOTECARIOS [\/vc_column_text][vc_single_image image=\u00bb27140″ img_size=\u00bbfull\u00bb alignment=\u00bbcenter\u00bb][vc_column_text] Seg\u00fan la Ley de Seguridad Social en su art\u00edculo innumerado luego del Art. 62 menciona lo siguiente: PR\u00c9STAMOS HIPOTECARIOS.- El IESS podr\u00e1 conceder pr\u00e9stamos hipotecarios en condiciones financieras favorables y hasta por el monto que determine el Consejo Directivo a: –\u00a0 \u00a0 \u00a0 \u00a0 Afiliados –\u00a0 \u00a0 […]<\/p>","protected":false},"author":3,"featured_media":27142,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[14],"tags":[],"class_list":["post-27135","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-acl"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/27135","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=27135"}],"version-history":[{"count":0,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/27135\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/27142"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=27135"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=27135"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=27135"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}