{"id":426,"date":"2023-11-15T20:19:03","date_gmt":"2023-11-15T20:19:03","guid":{"rendered":"https:\/\/subsidiosdelestado.site\/?p=426"},"modified":"2024-01-25T18:12:40","modified_gmt":"2024-01-25T18:12:40","slug":"credito-inmediato-biess","status":"publish","type":"post","link":"https:\/\/subsidiosdelestado.site\/credito-inmediato-biess\/","title":{"rendered":"Cr\u00e9dito inmediato BIESS"},"content":{"rendered":"<p>El <strong>cr\u00e9dito inmediato BIESS<\/strong>, corresponde a un Pr\u00e9stamo Quirografario, el cual est\u00e1 destinado para que todos los afiliados, jubilados y pensionistas, sujetos de cr\u00e9dito, logren obtener diversos recursos para solventar las necesidades de consumo que tengan con este <strong>cr\u00e9dito inmediato<\/strong>.<\/p>\n<p>Un <strong>cr\u00e9dito quirografario<\/strong> es un cr\u00e9dito de corto plazo que tiene como objetivo llevar recursos transitorios a las personas que soliciten estos <strong>cr\u00e9ditos<\/strong> en base a los activos morales y econ\u00f3micos que tengan a la mano.<\/p>\n<h2>Ventajas del cr\u00e9dito inmediato del BIESS<\/h2>\n<ul>\n<li>Cr\u00e9dito de consumo al <strong>inter\u00e9s m\u00e1s bajo<\/strong> de todo el mercado.<\/li>\n<li>Puede ser desembolsado en un <strong>plazo m\u00e1ximo de 48 horas<\/strong> luego del momento de ser aceptado.<\/li>\n<li>Puedes llegar a Calificar a este <strong>cr\u00e9dito en l\u00ednea<\/strong>.<\/li>\n<\/ul>\n<p>Este <strong>apoyo econ\u00f3mico<\/strong> puede ser destinado para los pagos de deudas, los gastos en las compras de viajes, las inversiones para la educaci\u00f3n bien sea propia o de familiares, para gastos de salud, as\u00ed como tambi\u00e9n para arreglos o <strong>adquisici\u00f3n de vivienda<\/strong>.<\/p>\n<h3>\u00bfQui\u00e9nes pueden Aplicar al Cr\u00e9dito inmediato BIESS?<\/h3>\n<p>Tanto los <strong>Afiliados<\/strong> como los <strong>Jubilados<\/strong> podr\u00e1n aplicar a este beneficio, cada un tiene diferentes requisitos, a continuaci\u00f3n podr\u00e1s ver los <strong>requisitos para los afiliados<\/strong>, m\u00e1s adelante podr\u00e1s conocer mas informaci\u00f3n sobre los dem\u00e1s requisitos.<\/p>\n<h4>Requisitos de aportaci\u00f3n para los Afiliados<\/h4>\n<p>Los Afiliados necesitar\u00e1n acreditar una fuente de ingresos estable, proporcional y por supuesto compatible con el pr\u00e9stamo que se est\u00e1 solicitando. Esto consiste en el salario o remuneraci\u00f3n reportado al IESS o tambi\u00e9n la pensi\u00f3n que cuente con menores retenciones judiciales en caso de haberlas.<\/p>\n<p>El afiliado podr\u00e1 solicitar un monto de un pr\u00e9stamo quirografario que corresponda hasta el 95% acumulado total en sus fondos de reserva y\/o descenso a t\u00eda<\/p>\n<p>El aspirante al cr\u00e9dito inmediato debe encontrarse al d\u00eda con todas las obligaciones correspondientes al IESS o Biess.<\/p>\n<h2>Requisitos a Presentar para la Calificaci\u00f3n de los Afiliados<\/h2>\n<ul>\n<li><strong>Contar con<\/strong> garant\u00edas reales de fondos, bien sea fondos de reserva o de cesant\u00edas en el IESS.<\/li>\n<li><strong>Contar con<\/strong> 24 aportaciones como m\u00ednimo<\/li>\n<li><strong>Constar como<\/strong> afiliado activo.<\/li>\n<li><strong>Asegurarte de<\/strong> qu\u00e9 t\u00fa empleador actual no pertenezca al seguro social campesino.<\/li>\n<li><strong>Los empleados o empleadores no<\/strong> deben estar en mora con el IESS.<\/li>\n<li><strong>No contar con<\/strong> la fecha de Registro de fallecimiento en el IESS.<\/li>\n<li><strong>Contar con<\/strong> validaciones BIESS.<\/li>\n<li><strong>No poseer <\/strong>un cr\u00e9dito hipotecario en tr\u00e1mite.<\/li>\n<li><strong>No tener<\/strong> gastos de instrumentaci\u00f3n pendientes para la solicitud de pr\u00e9stamos hipotecarios que haya estado iniciada y no concluida.<\/li>\n<li><strong>No contar con<\/strong> un comprobante de pago pendiente<\/li>\n<li><strong>No contar con<\/strong> cr\u00e9ditos quirografarios en tr\u00e1mite.<\/li>\n<li><strong>No tener<\/strong> alg\u00fan cr\u00e9dito de liquidaci\u00f3n.<\/li>\n<li><strong>No tener<\/strong> cr\u00e9dito vigente con el IESS que sea anterior el sistema HOST.<\/li>\n<\/ul>\n<h3>Condiciones de Financiamiento<\/h3>\n<p>En Base a la capacidad de pago en el sueldo de la aportaci\u00f3n del solicitante se podr\u00e1 pedir un cr\u00e9dito de hasta 80SBU(salarios b\u00e1sicos unificados) del solicitante. Este cr\u00e9dito puede tener hasta un plazo m\u00e1ximo de pago de sesenta meses o en otras palabras 5 a\u00f1os, el cr\u00e9dito cuenta con una tasa de inter\u00e9s que va desde el 6.5% y puede variar seg\u00fan el plazo del pago.<\/p>\n<p>Es importante tener en cuenta que la tasa de inter\u00e9s del cr\u00e9dito se ajustara semestralmente. Adem\u00e1s para la capacidad de endeudamiento, el afiliado podr\u00e1 conseguir hasta un dividendo mensual del 50% de sus ingresos totales.<\/p>\n<div class=\"caja_oficial\" style=\"display: flex; flex-direction: column; align-items: center; justify-content: center; text-align: center;\">\n<div>\u2705Si deseas conocer m\u00e1s informaci\u00f3n, te dejaremos un enlace oficial para que te informes, puede tardar un poco en cargar el contenido, ten paciencia\ud83d\ude0a<\/div>\n<div><a class=\"boton_caja_oficial\" href=\"https:\/\/www.biess.fin.ec\/quirografarios\/credito-inmediato\" rel=\"nofollow\">Ir al Sitio Oficial<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>El cr\u00e9dito inmediato BIESS, corresponde a un Pr\u00e9stamo Quirografario, el cual est\u00e1 destinado para que todos los afiliados, jubilados y pensionistas, sujetos de cr\u00e9dito, logren obtener diversos recursos para solventar las necesidades de consumo que tengan con este cr\u00e9dito inmediato. Un cr\u00e9dito quirografario es un cr\u00e9dito de corto plazo que tiene como objetivo llevar recursos [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":399,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","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":"","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 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