{"id":37628,"date":"2024-04-12T14:53:45","date_gmt":"2024-04-12T19:53:45","guid":{"rendered":"https:\/\/acl.com.ec\/?p=37628"},"modified":"2024-04-12T15:01:21","modified_gmt":"2024-04-12T20:01:21","slug":"biess-la-demanda-de-quirografarios-se-dispara-hasta","status":"publish","type":"post","link":"https:\/\/acl.com.ec\/en\/biess-la-demanda-de-quirografarios-se-dispara-hasta\/","title":{"rendered":"Biess: La demanda de quirografarios se dispara hasta marzo de 2024"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"37628\" class=\"elementor elementor-37628\" 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\">Biess: La demanda de quirografarios se dispara hasta marzo de 2024<\/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-e21775e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e21775e\" 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-09d6cf5\" data-id=\"09d6cf5\" 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-f45c883 elementor-widget elementor-widget-text-editor\" data-id=\"f45c883\" 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<h5><strong>Hubo unas 800.000 operaciones de pr\u00e9stamos quirografarios entre enero y marzo de 2024. El monto promedio entregado a los afiliados es de USD 1.706.<\/strong><\/h5><p>M\u00e1s afiliados y jubilados buscaron liquidez en el <a href=\"https:\/\/acl.com.ec\/en\/biess-incremento-en-50-la-capacidad-de-endeudamiento-de\/\">Banco del Instituto Ecuatoriano de Seguridad Social, (Biess)<\/a>. El banco p\u00fablico increment\u00f3 en 30% la colocaci\u00f3n de pr\u00e9stamos entre enero y marzo de 2024, con respecto al mismo periodo del a\u00f1o pasado.<\/p><p>En el primer trimestre de 2024, el Biess registr\u00f3 unas 800.000 operaciones de pr\u00e9stamo y entreg\u00f3 un total de USD 1.445 millones, entre hipotecarios, quirografarios y prendarios.<\/p><p>Entre enero y marzo de 2023, efectu\u00f3 677.530 operaciones de cr\u00e9dito y coloc\u00f3 USD 1.115 millones.<\/p><h5><strong>Quirografarios<\/strong><\/h5><p>Este a\u00f1o, casi el 90% del monto entregado corresponde a pr\u00e9stamos quirografarios, con una colocaci\u00f3n de USD 1.293 millones en 750.000 cr\u00e9ditos.<\/p><p>Eso significa que el monto promedio entregado por afiliado fue de USD 1.706.<\/p><p>El quirografario es un cr\u00e9dito de consumo, al que suelen recurrir los afiliados para cubrir necesidades inmediatas, como el pago de deudas y gastos de salud. Tiene la tasa anual m\u00e1s baja en el segmento, pues va de entre 6,5% y 13,7%.<\/p><p>Mientras tanto, la tasa de inter\u00e9s activa referencial del cr\u00e9dito de consumo de la banca privada est\u00e1 en 16,27% anual.<\/p><p>En 2023, el Biess mejor\u00f3 la entrega de quirografarios, pero no cumpli\u00f3 la meta prevista, en parte por demoras en las aprobaciones solicitadas por afiliados y jubilados hacia finales de ese a\u00f1o.<\/p><p>Con ello, en todo 2023, coloc\u00f3 USD 3.968 millones, lo que representa un crecimiento de 0,7% frente a 2022.<\/p><h5><strong>Pr\u00e9stamos hipotecarios<\/strong><\/h5><p>En cuanto a los otros pr\u00e9stamos, el Biess coloc\u00f3 USD 122,8 millones en pr\u00e9stamos hipotecarios durante el primer trimestre de 2024, en un total de 1.916 operaciones crediticias<\/p><p>Adem\u00e1s, entreg\u00f3 36.390 pr\u00e9stamos prendarios, por un monto de USD 29 millones<\/p><p><strong>Fuente: <a href=\"https:\/\/www.primicias.ec\/\" target=\"_blank\" rel=\"noopener\">Primicias Ec<\/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<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\" 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elementor-element elementor-element-f4056c6\" data-id=\"f4056c6\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-023d54c\" data-id=\"023d54c\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\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-9bd2a22 elementor-widget elementor-widget-text-editor\" data-id=\"9bd2a22\" 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><strong>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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-064b73e\" data-id=\"064b73e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\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>Biess: La demanda de quirografarios se dispara hasta marzo de 2024 Hubo unas 800.000 operaciones de pr\u00e9stamos quirografarios entre enero y marzo de 2024. El monto promedio entregado a los afiliados es de USD 1.706. M\u00e1s afiliados y jubilados buscaron liquidez en el Banco del Instituto Ecuatoriano de Seguridad Social, (Biess). El banco p\u00fablico increment\u00f3 [&hellip;]<\/p>","protected":false},"author":4,"featured_media":37629,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","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":"set","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":[14,23,21],"tags":[],"class_list":["post-37628","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-noticias-acl","category-contabilidad","category-laboral","post_format-post-format-image"],"_links":{"self":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/37628","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=37628"}],"version-history":[{"count":4,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/37628\/revisions"}],"predecessor-version":[{"id":37633,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/posts\/37628\/revisions\/37633"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media\/37629"}],"wp:attachment":[{"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/media?parent=37628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/categories?post=37628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/acl.com.ec\/en\/wp-json\/wp\/v2\/tags?post=37628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}