{"id":36919,"date":"2023-12-04T17:21:38","date_gmt":"2023-12-04T22:21:38","guid":{"rendered":"https:\/\/acl.com.ec\/?p=36919"},"modified":"2023-12-04T17:30:29","modified_gmt":"2023-12-04T22:30:29","slug":"biess-incremento-en-50-la-capacidad-de-endeudamiento-de","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/biess-incremento-en-50-la-capacidad-de-endeudamiento-de\/","title":{"rendered":"BIESS increment\u00f3 en 50 % la capacidad de endeudamiento de afiliados y pensionistas"},"content":{"rendered":"
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BIESS increment\u00f3 en 50 % la capacidad de endeudamiento de afiliados y pensionistas<\/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
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El incremento est\u00e1 vigente desde el 24 de noviembre pasado. Tambi\u00e9n se extendi\u00f3 el plazo de cr\u00e9ditos para pr\u00e9stamos quirografarios.<\/strong><\/h4>

La capacidad de endeudamiento de los jubilados y pensionistas del Instituto Ecuatoriano de Seguridad Social (Iess)<\/a> increment\u00f3 el 50 %, al igual que el plazo de cr\u00e9dito en los pr\u00e9stamos quirografarios, inform\u00f3 el Banco del Instituto de Seguridad Social (Biess)<\/a>, a trav\u00e9s de un comunicado.<\/span><\/p>

El incremento est\u00e1 vigente desde el 24 de noviembre pasado, indic\u00f3 el Biess, seg\u00fan las reformas que constan en el nuevo Manual de Cr\u00e9dito para la concesi\u00f3n de este producto crediticio.<\/span><\/p>

<\/p>

Los par\u00e1metros m\u00e1s representativos son:<\/strong><\/h5>

Capacidad de endeudamiento y plazo del cr\u00e9dito: El nivel de endeudamiento global del sujeto de cr\u00e9dito en ning\u00fan caso su capacidad de pago exceder\u00e1 del 50% (cincuenta por ciento) del ingreso reportado al Iess.<\/span><\/p>
Asegurado<\/th>Plazo<\/th>Capacidad de endeudamiento<\/th><\/tr>
Afiliados<\/td>Hasta 60 (sesenta) meses<\/td>50 %<\/td><\/tr>
Zafreros<\/td>Hasta 18 (dieciocho) meses<\/td>50 %<\/td><\/tr>
Jubilados y pensionistas hasta 78 a\u00f1os<\/td>Hasta 60 (sesenta) meses<\/td>50 %<\/td><\/tr>
Jubilados y pensionistas mayores a 78 a\u00f1os y menores o iguales a 83 a\u00f1os<\/td>Hasta 48 (cuarenta y ocho) meses<\/td>50 %<\/td><\/tr>
Jubilados y pensionistas mayores a 83 a\u00f1os<\/td>Hasta 24 (veinticuatro) meses<\/td>50 %<\/td><\/tr><\/tbody><\/table>

Requisitos b\u00e1sicos para el otorgamiento del pr\u00e9stamo:<\/strong> Los afiliados con o sin relaci\u00f3n de dependencia, deber\u00e1n acreditar a la fecha de generaci\u00f3n de la solicitud por lo menos de doce (12) aportaciones mensuales. En el caso de que los sujetos de cr\u00e9dito sean personas con discapacidad, estos deber\u00e1n acreditar por lo menos seis (6) aportaciones mensuales, las cuales no necesariamente deber\u00e1n ser consecutivas.<\/span><\/p>

Fuente: El Universo<\/a><\/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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Advertencia.<\/strong> El bolet\u00edn de ACL Auditores y Consultores Latam no es ni podr\u00e1 ser utilizado como asesor\u00eda u opini\u00f3n legal, en vista de que se trata de un documento netamente informativo<\/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

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BIESS increment\u00f3 en 50 % la capacidad de endeudamiento de afiliados y pensionistas El incremento est\u00e1 vigente desde el 24 de noviembre pasado. Tambi\u00e9n se extendi\u00f3 el plazo de cr\u00e9ditos para pr\u00e9stamos quirografarios. La capacidad de endeudamiento de los jubilados y pensionistas del Instituto Ecuatoriano de Seguridad Social (Iess) increment\u00f3 el 50 %, al igual […]<\/p>","protected":false},"author":4,"featured_media":36920,"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":[23,22,21,14],"tags":[],"class_list":["post-36919","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-contabilidad","category-economia-finanzas","category-laboral","category-noticias-acl","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/36919","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\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/comments?post=36919"}],"version-history":[{"count":12,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/36919\/revisions"}],"predecessor-version":[{"id":36935,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/36919\/revisions\/36935"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/36920"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=36919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=36919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=36919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}