{"id":2622,"date":"2021-03-14T11:04:08","date_gmt":"2021-03-14T16:04:08","guid":{"rendered":"https:\/\/cyaconsultora.com\/?p=2622"},"modified":"2021-03-14T11:26:45","modified_gmt":"2021-03-14T16:26:45","slug":"reprogramacion-de-creditos-problema-o-solucion","status":"publish","type":"post","link":"https:\/\/cyaconsultora.com\/index.php\/2021\/03\/14\/reprogramacion-de-creditos-problema-o-solucion\/","title":{"rendered":"Reprogramaci\u00f3n de cr\u00e9ditos, \u00bfProblema o soluci\u00f3n?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2622\" class=\"elementor elementor-2622\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7b3bac9e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7b3bac9e\" 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\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2ced1f71\" data-id=\"2ced1f71\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-388d223c elementor-widget elementor-widget-text-editor\" data-id=\"388d223c\" 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<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<!-- wp:paragraph -->\n<p><em>Autor:  Nilo Loayza L &#8211; @niloloayzal<\/em><\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>El asilamiento social para proteger la salud de las personas frente a la pandemia COVID-19 ha conllevado a declarar en Estado de Emergencia al pa\u00eds, cuarentenas generalizadas y luego focalizadas; ha tra\u00eddo como consecuencia la paralizaci\u00f3n de muchas empresas vi\u00e9ndose perjudicadas principalmente en sus ingresos y por ende en el cumplimiento de sus cr\u00e9ditos.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Durante este proceso el gobierno ha creado programas de reactivaci\u00f3n econ\u00f3mica como Reactiva Per\u00fa, FAE Mype, FAE Turismo y FAE Agro cuyo destino del cr\u00e9dito ha sido s\u00f3lo para financiamiento de capital de trabajo cuyo objetivo principal era no romper la cadena de pagos; paralelamente ha dado luz verde a las reprogramaciones de deuda con ampliaciones de plazos hasta 48 meses; a fin de no verse perjudicados a los deudores con intereses moratorios y compensatorios.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>El \u201cPrograma de Garant\u00edas COVID-19\u201d (Ley N\u00b0 31050) que contempla la reprogramaci\u00f3n o congelamiento de deudas para aquellas personas naturales y mypes que hayan obtenido cr\u00e9ditos consumo, personales, vehiculares e hipotecarios para vivienda dirigido para los que fueron perjudicados por el Estado de Emergencia, en realidad el beneficio que podr\u00e1n tener depender\u00e1 del monto de la deuda y el plazo de la reprogramaci\u00f3n.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>No podemos comparar un cr\u00e9dito mype cuyo monto del pr\u00e9stamo es peque\u00f1o y a corto plazo, frente a un cr\u00e9dito hipotecario para vivienda cuyo monto es considerado y a largo plazo; evidentemente los menores montos ser\u00e1n los m\u00e1s beneficiados, pero todo depender\u00e1 del plazo al cual se acojan para su reprogramaci\u00f3n.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Cuando calculamos el costo del cr\u00e9dito mediante la tasa del costo efectiva anual (TCEA) podemos apreciar que luego de la reprogramaci\u00f3n (ampliaci\u00f3n del plazo y reducci\u00f3n de la tasa de inter\u00e9s) la TCEA se reduce, pero en la mayor\u00eda de los casos el pago de los intereses es mayor; es decir, se pagan mayores intereses a pesar de la reducci\u00f3n de la tasa de inter\u00e9s que lamentablemente se ve neutralizada por la ampliaci\u00f3n del plazo; producto del valor del dinero en el tiempo.<\/p>\n<!-- \/wp:paragraph -->\n\n<!-- wp:paragraph -->\n<p>Todo depender\u00e1 del an\u00e1lisis respecto al rubro y proyecci\u00f3n de su plan de negocios, para tomar una buena decisi\u00f3n en la reprogramaci\u00f3n del cr\u00e9dito; porque no se trata de dilatar al m\u00e1ximo el periodo de pago, sino de tomar la mejor decisi\u00f3n financiera para mejorar la rentabilidad y disponer liquidez.<\/p>\n<!-- \/wp:paragraph -->\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\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-30e4a0f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"30e4a0f\" 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\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-504ea7d\" data-id=\"504ea7d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e1ebcfb elementor-widget elementor-widget-image\" data-id=\"e1ebcfb\" 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<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"1000\" src=\"https:\/\/cyaconsultora.com\/wp-content\/uploads\/2021\/03\/TAMANO-ADAPTADO-PARA-LAS-DEMAS-CAMARAS.jpg\" class=\"attachment-full size-full\" alt=\"\" srcset=\"https:\/\/cyaconsultora.com\/wp-content\/uploads\/2021\/03\/TAMANO-ADAPTADO-PARA-LAS-DEMAS-CAMARAS.jpg 1000w, https:\/\/cyaconsultora.com\/wp-content\/uploads\/2021\/03\/TAMANO-ADAPTADO-PARA-LAS-DEMAS-CAMARAS-300x300.jpg 300w, https:\/\/cyaconsultora.com\/wp-content\/uploads\/2021\/03\/TAMANO-ADAPTADO-PARA-LAS-DEMAS-CAMARAS-150x150.jpg 150w, https:\/\/cyaconsultora.com\/wp-content\/uploads\/2021\/03\/TAMANO-ADAPTADO-PARA-LAS-DEMAS-CAMARAS-768x768.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\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<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d3b16d6 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d3b16d6\" 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<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/forms.gle\/gigSzrnqfS2WZsXu9\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Registra tu participaci\u00f3n AQU\u00cd<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Autor: Nilo Loayza L &#8211; @niloloayzal El asilamiento social para proteger la salud de las personas frente a la pandemia COVID-19 ha conllevado a declarar en Estado de Emergencia al pa\u00eds, cuarentenas generalizadas y luego focalizadas; ha tra\u00eddo como consecuencia la paralizaci\u00f3n de muchas empresas vi\u00e9ndose perjudicadas principalmente en sus ingresos y por ende en&hellip;&nbsp;<a href=\"https:\/\/cyaconsultora.com\/index.php\/2021\/03\/14\/reprogramacion-de-creditos-problema-o-solucion\/\" class=\"\" rel=\"bookmark\">Read More &raquo;<span class=\"screen-reader-text\">Reprogramaci\u00f3n de cr\u00e9ditos, \u00bfProblema o soluci\u00f3n?<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":2636,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","_ti_tpc_template_sync":false,"_ti_tpc_template_id":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-2622","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Collave&amp;Asociados Consultora<\/title>\n<meta name=\"description\" content=\"&quot;Potencia tu PYME con soluciones de consultor\u00eda tributaria, contable, laboral y de gesti\u00f3n empresarial. 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