{"id":461,"date":"2023-11-22T20:53:15","date_gmt":"2023-11-22T20:53:15","guid":{"rendered":"https:\/\/subsidiosdelestado.site\/?page_id=461"},"modified":"2024-02-12T19:46:31","modified_gmt":"2024-02-12T19:46:31","slug":"creditos-del-biess","status":"publish","type":"page","link":"https:\/\/subsidiosdelestado.site\/creditos-del-biess\/","title":{"rendered":"Cr\u00e9ditos del BIESS"},"content":{"rendered":"<h2>Conoce los Cr\u00e9ditos Hipotecarios y Quirografarios del Biess<\/h2>\n<p>En Ecuador, el Banco del Instituto Ecuatoriano de Seguridad Social (<strong>Biess<\/strong>) desempe\u00f1a un papel crucial en la facilitaci\u00f3n de cr\u00e9ditos hipotecarios y quirografarios, contribuyendo significativamente al acceso a la vivienda y al <strong>apoyo financiero<\/strong> para diversas necesidades. A continuaci\u00f3n, puedes conocer los requisitos necesarios para conseguir los <strong>cr\u00e9ditos<\/strong> y las condiciones asociadas a los montos y plazos.<\/p>\n<h3>\u00bfQui\u00e9nes pueden conseguir los cr\u00e9ditos?<\/h3>\n<h5>Cr\u00e9ditos Hipotecarios:<\/h5>\n<p>Los <strong>prestamos hipotecarios biess<\/strong> est\u00e1n dise\u00f1ados para brindar oportunidades de adquisici\u00f3n de vivienda a los afiliados al Instituto Ecuatoriano de Seguridad Social (IESS). Aquellos que cotizan regularmente al IESS y cumplen con los requisitos establecidos tienen la posibilidad de acceder a estos <strong>cr\u00e9ditos<\/strong> con tasas de inter\u00e9s preferenciales.<\/p>\n<h5>Cr\u00e9ditos Quirografarios:<\/h5>\n<p>Por otro lado, los <strong>prestamos quirografarios biess<\/strong> est\u00e1n destinados a cualquier afiliado al IESS que requiera apoyo financiero para necesidades diversas, como educaci\u00f3n, salud, o gastos imprevistos. Este tipo de <strong>cr\u00e9dito<\/strong> no requiere la presentaci\u00f3n de garant\u00edas reales, facilitando as\u00ed su acceso.<\/p>\n<h3>\u00bfQu\u00e9 Requisitos son Necesarios para Conseguir estos Cr\u00e9ditos?<\/h3>\n<p>Para los cr\u00e9ditos <strong>biess hipotecarios<\/strong>, los requisitos suelen incluir:<\/p>\n<ul>\n<li><strong>Ser afiliado activo al IESS:<\/strong> Es necesario estar al d\u00eda con las cotizaciones al IESS.<\/li>\n<li><strong>Ingresos estables y suficientes:<\/strong> Se eval\u00faa la capacidad de pago del solicitante.<\/li>\n<li><strong>Edad l\u00edmite:<\/strong> Existe un rango de edad establecido para acceder a estos cr\u00e9ditos.<\/li>\n<li><strong>Solicitud de cr\u00e9dito:<\/strong> Se debe completar el formulario de solicitud proporcionado por el Biess.<\/li>\n<li><strong>Documentaci\u00f3n:<\/strong> Presentar documentos como c\u00e9dula de identidad, roles de pago, entre otros.<\/li>\n<\/ul>\n<hr \/>\n<p style=\"text-align: center;\"><strong><span style=\"color: #000000;\">Conoce M\u00e1s de los Cr\u00e9ditos Hipotecarios para<\/span> <a href=\"https:\/\/subsidiosdelestado.site\/credito-hipotecario-del-biess\/\"><span style=\"color: #0000ff;\">Compra de Vivienda<\/span><\/a><span style=\"color: #000000;\"> y para <\/span><a href=\"https:\/\/subsidiosdelestado.site\/credito-para-la-construccion-de-vivienda-del-biess\/\"><span style=\"color: #0000ff;\">Construcci\u00f3n de Vivienda<\/span><\/a><\/strong><\/p>\n<hr \/>\n<p>En cuanto a los cr\u00e9ditos <strong>biess quirografarios<\/strong>, los requisitos suelen ser m\u00e1s flexibles e incluyen:<\/p>\n<ul>\n<li><strong>Ser afiliado al IESS:<\/strong> Al igual que en los cr\u00e9ditos hipotecarios, es requisito ser afiliado activo.<\/li>\n<li><strong>Solicitud de cr\u00e9dito:<\/strong> Se debe completar el formulario correspondiente.<\/li>\n<li><strong>Documentaci\u00f3n:<\/strong> C\u00e9dula de identidad, comprobantes de ingresos, entre otros.<\/li>\n<\/ul>\n<p>Es crucial verificar los <strong>requisitos<\/strong> espec\u00edficos actualizados, ya que pueden estar sujetos a cambios por parte del <strong>Biess<\/strong>.<\/p>\n<hr \/>\n<p style=\"text-align: center;\"><strong><span style=\"color: #ff6600;\"><span style=\"color: #000000;\">Conoce M\u00e1s de los Cr\u00e9ditos Quirografarios como el<\/span><span style=\"color: #0000ff;\"> <a style=\"color: #0000ff;\" href=\"https:\/\/subsidiosdelestado.site\/credito-inmediato-biess\/\">Cr\u00e9dito Inmediato<\/a><\/span><\/span><\/strong><\/p>\n<hr \/>\n<h3>Monto y plazo m\u00e1ximo<\/h3>\n<p>En el caso de los <strong>cr\u00e9ditos hipotecarios<\/strong>, el monto m\u00e1ximo que se puede obtener var\u00eda seg\u00fan varios factores, incluidos los ingresos del solicitante y la capacidad de endeudamiento. El plazo m\u00e1ximo suele ser de hasta <strong>25 a\u00f1os<\/strong>, lo que brinda flexibilidad en los pagos mensuales.<\/p>\n<p>Para los <strong>cr\u00e9ditos quirografarios<\/strong>, el monto m\u00e1ximo est\u00e1 determinado por la capacidad de endeudamiento del solicitante y su historial crediticio. El plazo m\u00e1ximo suele ser de hasta <strong>5 a\u00f1os<\/strong>, permitiendo una r\u00e1pida amortizaci\u00f3n.<\/p>\n<p>En conclusi\u00f3n, los cr\u00e9ditos hipotecarios y quirografarios del Biess en Ecuador ofrecen oportunidades valiosas para acceder a viviendas y cubrir diversas necesidades financieras respectivamente. Cumplir con los requisitos establecidos es fundamental, y entender los montos y plazos disponibles proporciona una base s\u00f3lida para tomar correctamente tus decisiones financieras.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Conoce los Cr\u00e9ditos Hipotecarios y Quirografarios del Biess En Ecuador, el Banco del Instituto Ecuatoriano de Seguridad Social (Biess) desempe\u00f1a un papel crucial en la facilitaci\u00f3n de cr\u00e9ditos hipotecarios y quirografarios, contribuyendo significativamente al acceso a la vivienda y al apoyo financiero para diversas necesidades. A continuaci\u00f3n, puedes conocer los requisitos necesarios para conseguir los [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":462,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Cr\u00e9ditos del BIESS -<\/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:\/\/subsidiosdelestado.site\/creditos-del-biess\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cr\u00e9ditos del BIESS -\" \/>\n<meta property=\"og:description\" content=\"Conoce los Cr\u00e9ditos Hipotecarios y Quirografarios del Biess En Ecuador, el Banco del Instituto Ecuatoriano de Seguridad Social (Biess) desempe\u00f1a un papel crucial en la facilitaci\u00f3n de cr\u00e9ditos hipotecarios y quirografarios, contribuyendo significativamente al acceso a la vivienda y al apoyo financiero para diversas necesidades. 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