{"id":25017,"date":"2025-04-07T14:57:19","date_gmt":"2025-04-07T18:57:19","guid":{"rendered":"https:\/\/www.asofinbolivia.com\/?p=25017"},"modified":"2025-04-07T15:21:53","modified_gmt":"2025-04-07T19:21:53","slug":"afectados-por-inundaciones-pueden-reprogramar-o-refinanciar-creditos-bancos-tienen-30-dias-para-evaluar","status":"publish","type":"post","link":"https:\/\/asofinbolivia.com\/index.php\/2025\/04\/07\/afectados-por-inundaciones-pueden-reprogramar-o-refinanciar-creditos-bancos-tienen-30-dias-para-evaluar\/","title":{"rendered":"AFECTADOS POR INUNDACIONES PUEDEN REPROGRAMAR O REFINANCIAR CR\u00c9DITOS, BANCOS TIENEN 30 D\u00cdAS PARA EVALUAR"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25017\" class=\"elementor elementor-25017\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32e9019 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32e9019\" data-element_type=\"section\">\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-33 elementor-top-column elementor-element elementor-element-01ea6eb\" data-id=\"01ea6eb\" 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-d6268cd elementor-widget elementor-widget-shortcode\" data-id=\"d6268cd\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\t\t<div data-elementor-type=\"section\" data-elementor-id=\"6235\" class=\"elementor elementor-6235\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cd8937b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"cd8937b\" data-element_type=\"section\">\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-40cee71\" data-id=\"40cee71\" 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-75e4b08 elementor-widget elementor-widget-button\" data-id=\"75e4b08\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm elementor-animation-skew-backward\" href=\"https:\/\/asofinbolivia.com\/index.php\/publicaciones\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-left\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Volver Atr\u00e1s<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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<\/div>\n\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<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-b274e85\" data-id=\"b274e85\" 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-0a611e8\" data-id=\"0a611e8\" 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<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5cb1105 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"5cb1105\" data-element_type=\"section\">\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-33 elementor-top-column elementor-element elementor-element-b3bbc2a\" data-id=\"b3bbc2a\" 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-729eb20\" data-id=\"729eb20\" 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-8efd166 elementor-widget elementor-widget-heading\" data-id=\"8efd166\" 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-default\">AFECTADOS POR INUNDACIONES PUEDEN REPROGRAMAR O REFINANCIAR CR\u00c9DITOS, BANCOS TIENEN 30 D\u00cdAS PARA EVALUAR<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-995e5fc elementor-widget elementor-widget-text-editor\" data-id=\"995e5fc\" 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>La Paz, 06 de abril de 2025 (ABI). \u2013 Los prestatarios del sistema financiero afectados por inundaciones y eventos adversos podr\u00e1n reprogramar o refinanciar sus cr\u00e9ditos en las entidades de intermediaci\u00f3n financiera, que deber\u00e1n evaluar de forma individual las solicitudes en un plazo m\u00e1ximo de 30 d\u00edas.<\/p><p>\u00a0<\/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-338bbfd elementor-widget elementor-widget-image\" data-id=\"338bbfd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"438\" src=\"https:\/\/asofinbolivia.com\/wp-content\/uploads\/2025\/04\/IVET-min-768x438.png\" class=\"attachment-medium_large size-medium_large wp-image-25018\" alt=\"\" srcset=\"https:\/\/asofinbolivia.com\/wp-content\/uploads\/2025\/04\/IVET-min-768x438.png 768w, https:\/\/asofinbolivia.com\/wp-content\/uploads\/2025\/04\/IVET-min-300x171.png 300w, https:\/\/asofinbolivia.com\/wp-content\/uploads\/2025\/04\/IVET-min-1024x584.png 1024w, https:\/\/asofinbolivia.com\/wp-content\/uploads\/2025\/04\/IVET-min.png 1049w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\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-27cec62 elementor-widget elementor-widget-elementskit-social-share\" data-id=\"27cec62\" data-element_type=\"widget\" data-widget_type=\"elementskit-social-share.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<ul class=\"ekit_socialshare\">\n                            <li class=\"elementor-repeater-item-39ac008\" data-social=\"facebook\">\n                    <div class=\"facebook\">\n                                                                                                <i aria-hidden=\"true\" class=\"fab fa-facebook-f\"><\/i>                                            <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-44a930b\" data-social=\"twitter\">\n                    <div class=\"twitter\">\n                                                                                                <i aria-hidden=\"true\" class=\"fab fa-twitter\"><\/i>                                            <\/div>\n                <\/li>\n                                            <li class=\"elementor-repeater-item-9a797fc\" data-social=\"line\">\n                    <div class=\"line\">\n                                                                                                <i aria-hidden=\"true\" class=\"icon icon-instagram-1\"><\/i>                                            <\/div>\n                <\/li>\n                                    <\/ul>\n        <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7810cb elementor-widget elementor-widget-text-editor\" data-id=\"f7810cb\" 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>La disposici\u00f3n se da en el marco de la declaratoria de emergencia nacional que fue emitida el 26 de marzo de 2025.<\/p><p>\u201cCualquier persona independientemente del sector o de la actividad puede, si ha sido afectada por las inundaciones, ir a la entidad financiera para solicitar una reprogramaci\u00f3n o un refinanciamiento\u201d, asegur\u00f3 la directora de la Autoridad de Supervisi\u00f3n del Sistema Financiero (ASFI), Ivette Espinoza, en una entrevista con Bolivia TV.<\/p><p>Explic\u00f3 que la reprogramaci\u00f3n implica el cambio de cualquiera de las condiciones que tienes en tu contrato, es decir el tema del plazo, intereses u otros.<\/p><p>Se\u00f1al\u00f3 que las solicitudes se evaluar\u00e1n de manera individual para establecer cu\u00e1l es la nueva situaci\u00f3n que tiene y c\u00f3mo ha sido afectado.<\/p><p>Posteriormente, dependiendo de la evaluaci\u00f3n se pueden incluir periodos de gracia o de pr\u00f3rroga.<\/p><p>\u201cDurante ese tiempo el tiempo que se eval\u00faa la persona puede estar exenta de pagar capital o intereses, eso es importante y eso tambi\u00e9n considerada de programaci\u00f3n o el refinanciamiento o cualquier otro mecanismo que sea favorable para la persona, que le facilite la recuperaci\u00f3n financiera\u201d, dijo.<\/p><p>Adem\u00e1s, la reprogramaci\u00f3n no implicar\u00e1 el cambio de la calificaci\u00f3n que tiene el cliente.<\/p><p>Adem\u00e1s, enfatiz\u00f3 que la atenci\u00f3n a la solicitud debe ser m\u00e1ximo en 30 d\u00edas calendario.<\/p><p>\u201cLas entidades tienen que brindar un trato equitativo, sin existir ning\u00fan tipo de discriminaci\u00f3n, tienen que brindar soluciones oportunas de acuerdo a las necesidades el deudor\u201d, insisti\u00f3 Espinoza.<\/p><p>Asimismo, record\u00f3 que la Asfi emiti\u00f3 una carta circular el 15 de octubre de la gesti\u00f3n pasada que establece el formulario de reprogramaci\u00f3n o refinanciamiento.<\/p><p>\u201cLa entidad financiera le entrega el formulario que dice qu\u00e9 cosa tiene que mostrar (el prestatario) para sustentar que la generaci\u00f3n de sus ingresos ha sido afectada por estos hechos adversos\u201d, detall\u00f3.<\/p><p>nj\/JC<\/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-dce1988 elementor-widget elementor-widget-facebook-embed\" data-id=\"dce1988\" data-element_type=\"widget\" data-widget_type=\"facebook-embed.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div style=\"min-height: 1px\" class=\"elementor-facebook-widget fb-post\" data-href=\"https:\/\/www.facebook.com\/BTVCanalOficial\/videos\/2466909813671250\/\" data-show-text=\"false\"><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0d78914 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0d78914\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-bb53e79 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"bb53e79\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7865e78\" data-id=\"7865e78\" 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-3964c7f elementor-widget elementor-widget-heading\" data-id=\"3964c7f\" 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<span class=\"elementor-heading-title elementor-size-default\">Fuente:<\/span>\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-50 elementor-inner-column elementor-element elementor-element-6e65c05\" data-id=\"6e65c05\" 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-06507ea elementor-widget elementor-widget-heading\" data-id=\"06507ea\" 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<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/abi.bo\/index.php\/noticias\/economia\/62552-afectados-por-inundaciones-pueden-reprogramar-o-refinanciar-creditos-bancos-tienen-30-dias-para-evaluar\" target=\"_blank\">ABI<\/a><\/span>\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 class=\"elementor-element elementor-element-542fe4a0 elementor-widget elementor-widget-heading\" data-id=\"542fe4a0\" 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<span class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.inforse.com.bo\/2025\/04\/04\/banco-ecofuturo-marca-un-hito-en-su-historia-con-el-lanzamiento-de-su-marca-de-sostenibilidad\/\">Publicado el 06\/04\/2025<\/a><\/span>\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-49323b9\" data-id=\"49323b9\" 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-84896c3 elementor-widget elementor-widget-embedpres_elementor\" data-id=\"84896c3\" data-element_type=\"widget\" data-widget_type=\"embedpres_elementor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<div class=\"embedpress-elements-wrapper \" id=\"ep-elements-id-84896c3\">\n\n\t\t\t\t\t\t\t<div id=\"ep-elementor-content-84896c3\" \n\t\t\t\t\tclass=\"ep-elementor-content \n\t\t\t\t\t \n\t\t\t\t\t  ep-content-protection-disabled \n\t\t\t\t\tsource-default\t\t\t\t\t\">\n\n\t\t\t\t\t<div id=\"84896c3\" \n\t\t\t\t\t\tclass=\"ep-embed-content-wrapper \n\t\t\t\t\t\t \n\t\t\t\t\t\t \n\t\t\t\t\t\t\" \n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t>\n\n\t\t\t\t\t\t<div id=\"ep-elementor-content-84896c3\" \n\t\t\t\t\t\t\tclass=\"ep-elementor-content \n\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t  ep-content-protection-disabled \n\t\t\t\t\t\t\tsource-default\">\n\n\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t<div id=\"84896c3\" \n\t\t\t\t\t\t\t\t\tclass=\"ep-embed-content-wraper \n\t\t\t\t\t\t\t\t\t\" \n\t\t\t\t\t\t\t\t\t \n\t\t\t\t\t\t\t\t\t>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\n\t\t<\/div>\n\n\n\t\t\n\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>\n\t\t","protected":false},"excerpt":{"rendered":"<p><b>Fecha:<\/b> 06 de abril de 2025<\/p>\n<p>\n<span class=\"cards--two__rect\"><\/span><br \/>\n<span class=\"cards--two__tri\"><\/span><\/p>\n","protected":false},"author":7,"featured_media":25018,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[59,60,58,56,61,57],"class_list":["post-25017","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-bancos-multiples","tag-bancos-pyme","tag-fideicomisos","tag-funcionsocial","tag-sector-gremial","tag-social"],"_links":{"self":[{"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/posts\/25017","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/comments?post=25017"}],"version-history":[{"count":4,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/posts\/25017\/revisions"}],"predecessor-version":[{"id":25023,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/posts\/25017\/revisions\/25023"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/media\/25018"}],"wp:attachment":[{"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/media?parent=25017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/categories?post=25017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/asofinbolivia.com\/index.php\/wp-json\/wp\/v2\/tags?post=25017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}