Cámara de Diputados aprueba proyecto que suspende por 6 meses cuotas de créditos
Por Felipe Pinochet.
La Cámara de Diputadas y Diputados aprobó, por 109 votos a favor, 6 en contra y 24 abstenciones, el proyecto de ley que suspende el cobro de cuotas de créditos de diverso tipo en razón de la emergencia sanitaria, mientras dure el estado de excepción constitucional de catástrofe. El texto fue remitido al Senado para su segundo trámite constitucional.
La norma beneficia a personas naturales y pymes, que tendrán el derecho a solicitar la suspensión del pago de seis cuotas de créditos de cualquier naturaleza, suscritos con instituciones con acceso a la Facilidad de Liquidez con Incentivo al Crédito del Banco Central y por el monto otorgado por éste.
En la sesión, los parlamentarios aprobaron el segundo informe de la Comisión de Economía, que rechazó la indicación sustitutiva planteada por el Gobierno que pretendía acotar este beneficio de suspensión solo a las cuotas de créditos hipotecarios.
Asimismo, la sala votó en contra de una indicación de la Comisión de Hacienda que eliminaba la posibilidad de acogerse a este beneficio a las personas que hayan contraído créditos de financiamiento para cursar estudios en educación superior administrados por la Corporación de Fomento a la Producción.
Para solicitar suspender el pago por seis meses, la operación de crédito no podrá encontrarse en mora con anterioridad al 18 de octubre de 2019.
Asimismo, se establece que las cuotas pactadas deberán ser pagadas al final de la deuda, en el mismo número de cuotas, reajustadas a la tasa de interés anteriormente pactada en el crédito. El texto señala que no podrá realizarse ningún cobro por mora, multa u otro tipo de cargo adicional.
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