{"id":16439,"date":"2024-05-24T21:45:22","date_gmt":"2024-05-25T00:45:22","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=16439"},"modified":"2024-05-24T21:45:22","modified_gmt":"2024-05-25T00:45:22","slug":"creditos-hipotecarios-uva-permiten-que-bancos-no-extiendan-plazos-por-inflacion","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=16439","title":{"rendered":"Cr\u00e9ditos hipotecarios UVA: permiten que bancos no extiendan plazos por inflaci\u00f3n"},"content":{"rendered":"

Importante cambio por las cuotas<\/h2>\n

Los bancos ya no tendr\u00e1n la obligaci\u00f3n de extender el plazo si se dispara la inflaci\u00f3n y se incrementan los pagos mensuales. Adem\u00e1s, se dej\u00f3 librado la posibilidad que obligaba a tomar un seguro que encarec\u00eda el valor de las cuotas.<\/p>\n

Los bancos que ofrezcan cr\u00e9ditos hipotecarios UVA ya no tendr\u00e1n la obligaci\u00f3n de extender los plazos en caso que a causa de la inflaci\u00f3n se deteriore la relaci\u00f3n cuota\/ingreso.
\nPara ello, el Banco Central de la Rep\u00fablica Argentina (BCRA) modific\u00f3 la norma y dej\u00f3 librado a consideraci\u00f3n de las entidades financieras ofrecer esta posibilidad que adem\u00e1s los obligaba a tomar un seguro que encarec\u00eda el valor de las cuotas.<\/p>\n

Seg\u00fan se explic\u00f3 desde el BCRA, se elimin\u00f3 la obligatoriedad a los bancos de ofrecer un seguro para cubrir descalce entre CER (inflaci\u00f3n) y CVS (variaci\u00f3n salarial), que los hac\u00eda mantener la relaci\u00f3n cuota-ingreso, agregando m\u00e1s cuotas al final. \u201cA partir de ahora pasa a ser voluntario que los bancos ofrezcan este u otro tipo de seguro\u201d, se\u00f1alaron.<\/p>\n

\"\"<\/figure>\n

Se espera que esta medida disminuya los costos de los cr\u00e9ditos hipotecarios como as\u00ed tambi\u00e9n facilitar su securitizaci\u00f3n (venta de paquetes de cr\u00e9dito en el mercado de capitales) que permitir\u00e1 un mayor desarrollo del este tipo de financiamiento.
\nLa securitizaci\u00f3n es la opci\u00f3n que tienen las instituciones de armar paquetes con su cartera de clientes y luego ofrecer el producto en el mercado de capitales. \u201cAl estandarizar la norma se facilita la securitizaci\u00f3n\u201d, indicaron desde la autoridad monetaria.<\/p>\n

Tambi\u00e9n se flexibiliza la condici\u00f3n obligatoria de que las cuotas deban ser mensuales, con lo cual tambi\u00e9n queda a la libre negociaci\u00f3n entre las partes los plazos de pago.
\n\u201cEs importante que \u201ccuando alguien firme un cr\u00e9dito ajustado por UVA chequee cu\u00e1les son las condiciones y si lo cree conveniente buscar cobertura\u201d, a\u00f1adieron desde el BCRA.<\/p>\n

\"\"<\/figure>\n

Con esta medida habr\u00eda una mayor oferta crediticia y adem\u00e1s, bajar\u00eda la cuota para quienes no quieran pagar el seguro, pero riesgoso en un escenario de niveles altos de inflaci\u00f3n.
\n\u201cDe todas formas esto apunta a un escenario en el que la inflaci\u00f3n se dispare, ya que en un marco de inflaci\u00f3n controlada el cr\u00e9dito UVA siempre es virtuoso\u201d, subrayaron desde el BCRA.
\nLa modificaci\u00f3n regir\u00e1 para los cr\u00e9ditos que comiencen a firmarse desde ahora y no afecta a los que ya fueron suscriptos. Fuente: (NA)<\/p>\n

\"\"<\/p>\n

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Importante cambio por las cuotas Los bancos ya no tendr\u00e1n la obligaci\u00f3n de extender el plazo si se dispara la inflaci\u00f3n y se incrementan los pagos mensuales. Adem\u00e1s, se dej\u00f3 librado la posibilidad que obligaba a tomar un seguro que…<\/p>\n","protected":false},"author":2,"featured_media":16440,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-16439","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nCr\u00e9ditos hipotecarios UVA: permiten que bancos no extiendan plazos por inflaci\u00f3n - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=16439\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos hipotecarios UVA: permiten que bancos no extiendan plazos por inflaci\u00f3n - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Importante cambio por las cuotas Los bancos ya no tendr\u00e1n la obligaci\u00f3n de extender el plazo si se dispara la inflaci\u00f3n y se incrementan los pagos mensuales. 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