{"id":32371,"date":"2022-04-10T06:00:52","date_gmt":"2022-04-10T11:00:52","guid":{"rendered":"https:\/\/acl.com.ec\/?p=32371"},"modified":"2022-04-05T14:50:53","modified_gmt":"2022-04-05T19:50:53","slug":"prestamos-quirografarios-requisitos","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/prestamos-quirografarios-requisitos\/","title":{"rendered":"Pr\u00e9stamos Quirografarios requisitos"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"32371\" class=\"elementor elementor-32371\" data-elementor-settings=\"{&quot;ha_cmc_init_switcher&quot;:&quot;no&quot;}\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-89ed7bc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"89ed7bc\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9dba146\" data-id=\"9dba146\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64957c1 elementor-widget elementor-widget-heading\" data-id=\"64957c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-medium\">Pr\u00e9stamos Quirografarios Requisitos<\/h2>\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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5c94526 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5c94526\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b56793\" data-id=\"3b56793\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-88a88be elementor-widget elementor-widget-text-editor\" data-id=\"88a88be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Todo afiliado al Instituto Ecuatoriano de Seguridad Social (IESS) que se encuentra bajo relaci\u00f3n de dependencia, tiene derecho a realizar pr\u00e9stamos quirografarios, que concede el Banco del Instituto Ecuatoriano de Seguridad Social (Biess).<\/span><\/p><p><span style=\"font-weight: 400;\">Antes de realizar un pr\u00e9stamo, el afiliado con su n\u00famero de c\u00e9dula y clave de afiliado debe ingresar al portal web institucional <\/span><a href=\"http:\/\/www.iess.gob.ec\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">www.iess.gob.ec<\/span><\/a><span style=\"font-weight: 400;\"> y verificar los valores acumulados en los fondos de Cesant\u00eda y de Reserva, que son su garant\u00eda para el cr\u00e9dito que desea realizar.<\/span><\/p><p><span style=\"font-weight: 400;\">Si carece de fondos de reserva, podr\u00e1 optar como garant\u00eda con lo acumulado en su Fondo de Cesant\u00eda.<\/span><\/p><p><span style=\"font-weight: 400;\">Este pr\u00e9stamos, usualmente, est\u00e1 destinado para que los <a href=\"https:\/\/acl.com.ec\/en\/prestamos-quirografarios-para-pensionistas-y-jubilados\/\">afiliados, jubilados y pensionistas<\/a>, puedan obtener recursos para solventar sus necesidades de consumo.<\/span><\/p><p><span style=\"font-weight: 400;\">Los afiliados y jubilados pueden seleccionar en su solicitud de cr\u00e9dito el sistema de amortizaci\u00f3n que decida aplicar. Para cuotas fijas, est\u00e1 el sistema franc\u00e9s; y para cuotas decrecientes est\u00e1 el sistema alem\u00e1n.<\/span><\/p><p><b>Pr\u00e9stamos Quirografarios Requisitos de calificaci\u00f3n<\/b><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Poseer garant\u00edas reales (fondos de reserva y\/o cesant\u00edas) en el IESS<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Tener m\u00ednimo 24 aportaciones.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Ser un afiliado activo.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Su empleador actual no debe pertenecer al seguro social campesino.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener solicitud de cesant\u00eda en tr\u00e1mite.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Su(s) empleador (res) no debe(n) estar en mora con el IESS.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Tener una cuenta bancaria registrada y autorizada por el IESS.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No constar con registro de fecha de fallecimiento en el IESS.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener cr\u00e9dito en mora con el IESS o Biess.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Si es empleador no tener obligaciones pendientes con el IESS.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Validaciones Biess.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener un cr\u00e9dito hipotecario en tr\u00e1mite.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener gastos de instrumentaci\u00f3n pendientes en solicitud de pr\u00e9stamos hipotecarios iniciada y no concluida.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener comprobante pendiente de pago.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener cr\u00e9ditos quirografarios\u00a0 en tr\u00e1mite.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">Tener cr\u00e9ditos en liquidaci\u00f3n.<\/span><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">No tener cr\u00e9dito vigente con el IESS &#8211; anterior sistema HOST<\/span><\/p><p><b>Dato:<\/b><\/p><p><span style=\"font-weight: 400;\">\u00a0 \u00a0&#8211; \u00a0 <\/span> <span style=\"font-weight: 400;\">El desembolso se efectiviza en m\u00e1ximo 72 horas, a partir de su aprobaci\u00f3n.<\/span><\/p><p><b>Fuente:<\/b><a href=\"http:\/\/www.iess.gob.ec\" target=\"_blank\" rel=\"noopener\"><strong> Instituto Ecuatoriano de Seguridad Social (IESS)\u00a0<\/strong><\/a><\/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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-1120100 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"1120100\" data-element_type=\"section\" data-settings=\"{&quot;_ha_eqh_enable&quot;:false}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6aa6f3a\" data-id=\"6aa6f3a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d4b6f6 elementor-widget elementor-widget-text-editor\" data-id=\"4d4b6f6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\">Ante cualquier duda, comun\u00edquese con nosotros<\/p><p style=\"text-align: center;\">info@acl.com.ec<br \/>(+593) 99 734 9372<\/p><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<div class=\"elementor-element elementor-element-a9be424 elementor-shape-circle elementor-grid-0 e-grid-align-center elementor-widget elementor-widget-social-icons\" data-id=\"a9be424\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-whatsapp elementor-repeater-item-05d578a\" href=\"https:\/\/api.whatsapp.com\/send?phone=593997349372&#038;text=\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Whatsapp<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-whatsapp\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-facebook elementor-repeater-item-1ccab11\" href=\"https:\/\/www.facebook.com\/ACLAUDITCO\/?epa=SEARCH_BOX\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Facebook<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-facebook\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-linkedin elementor-repeater-item-1bd231e\" href=\"https:\/\/www.linkedin.com\/company\/acl-auditores-y-consultores-latam-ecuador\/?viewAsMember=true\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Linkedin<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-instagram elementor-repeater-item-ad68edc\" href=\"https:\/\/www.instagram.com\/acl_latam\/\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Instagram<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-instagram\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-youtube elementor-repeater-item-11a0a69\" href=\"https:\/\/www.youtube.com\/channel\/UCZ-wHjiy6Ss3AwamBWk-HAA?view_as=subscriber\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Youtube<\/span>\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-youtube\"><\/i>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\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<\/div>","protected":false},"excerpt":{"rendered":"<p>Pr\u00e9stamos Quirografarios Requisitos Todo afiliado al Instituto Ecuatoriano de Seguridad Social (IESS) que se encuentra bajo relaci\u00f3n de dependencia, tiene derecho a realizar pr\u00e9stamos quirografarios, que concede el Banco del Instituto Ecuatoriano de Seguridad Social (Biess). Antes de realizar un pr\u00e9stamo, el afiliado con su n\u00famero de c\u00e9dula y clave de afiliado debe ingresar al [&hellip;]<\/p>","protected":false},"author":3,"featured_media":32380,"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-32371","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\/32371","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=32371"}],"version-history":[{"count":13,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/32371\/revisions"}],"predecessor-version":[{"id":32385,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/32371\/revisions\/32385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/32380"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=32371"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=32371"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=32371"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}