SLP.- La Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico a trav\u00e9s de la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), explic\u00f3 el c\u00f3mo acceder a los apoyos implementados por los bancos en beneficio de los mexicanos.<\/p>\n
Y es que en los \u00faltimos d\u00edas, los bancos han establecido una serie de facilidades temporales para que sus usuarios difieran sus pagos de cr\u00e9dito al consumo, a la vivienda y los cr\u00e9ditos comerciales para mejorar su liquidez.<\/p>\n
Entre ellos se encuentra el cr\u00e9dito automotriz, el cr\u00e9dito personal, el de n\u00f3mina, tarjeta de cr\u00e9dito y los microcr\u00e9ditos.<\/p>\n
Para acceder a estos apoyos, la persona interesada se debe comunicar con la instituci\u00f3n financiera con la que se tiene el contrato de cr\u00e9dito para conocer los requisitos que se deben de cumplir, como el que la cuenta est\u00e9 en cartera vigente al 28 de febrero de 2020, acreditar que se haya visto afectado directamente por el Covid-19 y que el cr\u00e9dito tenga una vigencia de vida, es decir, que ya se lleven ciertas mensualidades pagadas.<\/p>\n
En el comunicado oficial del Gobierno de M\u00e9xico, se aclara que en lo general los bancos renovar\u00e1n o reestructurar\u00e1n los cr\u00e9ditos con un plazo de gracia de cuatro meses con posibilidades de extenderlos dos meses m\u00e1s, siempre y cuando este proceso se realice dentro de los 120 d\u00edas naturales siguientes al 28 de febrero.<\/p>\n
Tambi\u00e9n se menciona que la renovaci\u00f3n de \u00e9stos no ser\u00e1 reportada por los bancos como cr\u00e9ditos vencidos ante las Sociedades de Informaci\u00f3n Crediticia, es decir, ante el Bur\u00f3 de Cr\u00e9dito.<\/p>\n
Hay que destacar que en el caso particular de las tarjetas de cr\u00e9dito, el saldo que no se pague, sigue generando intereses de forma normal con la misma tasa hasta que se liquide en su totalidad.<\/p>\n
Por ello, es importante que el usuario pregunte a su banco cu\u00e1nto se va a pagar despu\u00e9s de transcurrido el plazo; si se va a continuar pagando la misma mensualidad; si se va a aplicar una nueva tasa; si se podr\u00e1 volver a utilizar el nuevo cr\u00e9dito o si se pueden realizar pagos anticipados.<\/p>\n
La CONDUSEF sugiere analizar si se necesita reestructurar el cr\u00e9dito, cuidar su capacidad de pago presente y futura, y administrar lo mejor posible los ingresos disponibles para hacer frente a los gastos indispensables.<\/p>\n
Por: Jos\u00e9 Luis V\u00e1zquez<\/p>\n","protected":false},"excerpt":{"rendered":"
SLP.- La Secretar\u00eda de Hacienda y Cr\u00e9dito P\u00fablico a trav\u00e9s de la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (CONDUSEF), explic\u00f3 el c\u00f3mo acceder a los apoyos implementados por los bancos en beneficio de los mexicanos. Y es que en los \u00faltimos d\u00edas, los bancos han establecido una serie 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