{"id":31773,"date":"2022-03-11T03:06:57","date_gmt":"2022-03-11T08:06:57","guid":{"rendered":"https:\/\/acl.com.ec\/?p=31773"},"modified":"2022-03-06T19:26:35","modified_gmt":"2022-03-07T00:26:35","slug":"prestamos-quirografarios-para-pensionistas-y-jubilados","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/prestamos-quirografarios-para-pensionistas-y-jubilados\/","title":{"rendered":"Pr\u00e9stamos quirografarios para pensionistas y jubilados"},"content":{"rendered":"
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Pr\u00e9stamos Quirografarios para pensionistas y jubilados<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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El Banco del Instituto Ecuatoriano de Seguridad Social, BIESS, incrementa del 40% al 50% la capacidad de endeudamiento de los jubilados y pensionistas, considerada para el c\u00e1lculo del monto de los Pr\u00e9stamos Quirografarios.<\/span><\/p>

Este beneficio se traduce en la posibilidad de que este segmento de asegurados pueda acceder a un mayor monto crediticio.<\/span><\/p>

La decisi\u00f3n de este cambio fue establecida por el Directorio de la Instituci\u00f3n mediante Resoluci\u00f3n No. <\/span>BIESS-DIR-RS-006-0049-2022<\/b> el viernes 28 de enero de 2022, con base a los informes t\u00e9cnicos presentados por la actual administraci\u00f3n, con el objetivo de apoyar a las familias ecuatorianas a enfrentar la crisis econ\u00f3mica, ocasionada por la pandemia del COVID-19.<\/span><\/p>

Para el Econ. Iv\u00e1n Tobar, gerente general del Biess, \u201clos Pr\u00e9stamos Quirografarios se han constituido en un mecanismo efectivo para el pago de deudas, para cubrir necesidades urgentes e incluso para el inicio de emprendimientos, por lo que no solo se estar\u00eda apoyando a las finanzas de los jubilados y de sus familias; sino tambi\u00e9n a la recuperaci\u00f3n econ\u00f3mica nacional\u201d.<\/span><\/p>

El incremento del porcentaje de la capacidad de pago de los jubilados, inicialmente, tendr\u00e1 una vigencia de 6 meses.<\/span><\/p>

Los jubilados y pensionistas podr\u00e1n acceder a este beneficio desde el 2 de febrero cumpliendo con los siguientes requisitos:<\/span><\/p>

1)<\/span> \u00a0 \u00a0 <\/span>Encontrarse en goce de una pensi\u00f3n jubilar otorgada por el IESS.<\/span><\/p>

2)<\/span> \u00a0 \u00a0 <\/span>No ser mayor de 78 a\u00f1os de edad.<\/span><\/p>

3)<\/span>\u00a0 <\/span>Registrar en el IESS una cuenta bancaria personal e individual a nombre del jubilado o pensionista.<\/span><\/p>

4)<\/span> \u00a0 \u00a0 <\/span>No tener obligaciones vencidas con el IESS o Biess.<\/span><\/p>

5)<\/span>\u00a0 \u00a0 <\/span>No tener en tr\u00e1mite solicitudes para el otorgamiento de pr\u00e9stamos hipotecarios o quirografarios.<\/span><\/p>

6)<\/span> \u00a0 \u00a0 <\/span>En caso de novaciones, el jubilado o pensionista debe haber cancelado al menos el 25% del total de los dividendos del cr\u00e9dito a novar.<\/span><\/p>

7)<\/span>\u00a0 <\/span>Los jubilados y pensionistas pueden novar su cr\u00e9dito hasta 5 a\u00f1os plazo, dependiendo su rango de edad.<\/span><\/p>

Fuente: Instituto Ecuatoriano de Seguridad Social<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Ante cualquier duda, comun\u00edquese con nosotros<\/p>

info@acl.com.ec
(+593) 99 734 9372<\/p>

\u00a1S\u00edganos en Redes Sociales!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Pr\u00e9stamos Quirografarios para pensionistas y jubilados El Banco del Instituto Ecuatoriano de Seguridad Social, BIESS, incrementa del 40% al 50% la capacidad de endeudamiento de los jubilados y pensionistas, considerada para el c\u00e1lculo del monto de los Pr\u00e9stamos Quirografarios. Este beneficio se traduce en la posibilidad de que este segmento de asegurados pueda acceder a […]<\/p>","protected":false},"author":3,"featured_media":31783,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","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":[22,21],"tags":[],"class_list":["post-31773","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-economia-finanzas","category-laboral","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31773","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=31773"}],"version-history":[{"count":9,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31773\/revisions"}],"predecessor-version":[{"id":31791,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/31773\/revisions\/31791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/31783"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=31773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=31773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=31773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}