{"id":988935,"date":"2020-12-14T00:00:00","date_gmt":"2020-12-14T05:00:00","guid":{"rendered":"https:\/\/cgestiona.com\/?p=988935"},"modified":"2026-05-15T00:12:07","modified_gmt":"2026-05-15T05:12:07","slug":"ley-n-31050-estos-son-los-criterios-de-elegibilidad-para-reprogramar-o-congelar-los-pagos-de-tu","status":"publish","type":"post","link":"https:\/\/cgestiona.com\/en\/ley-n-31050-estos-son-los-criterios-de-elegibilidad-para-reprogramar-o-congelar-los-pagos-de-tu\/","title":{"rendered":"Ley N\u00b0 31050: Estos son los criterios de elegibilidad para reprogramar o congelar los pagos de tus deudas por cr\u00e9ditos"},"content":{"rendered":"<div class=\"vgblk-rw-wrapper limit-wrapper\">\n<p>Las personas naturales o Mypes con buen record de pago podr\u00e1n adherirse al Programa de Garant\u00edas COVID-19 para reprogramar sus deudas.<\/p>\n<p>El Ejecutivo Nacional aprob\u00f3 la Ley 31050 la cual establece las medidas extraordinarias para reprogramar o congelar los pagos de cr\u00e9ditos de personas naturales y Mypes, que no han podido cumplir con sus obligaciones a causa de la pandemia.<\/p>\n<p>La reprogramaci\u00f3n o congelamiento de cr\u00e9ditos beneficia a los usuarios que al 29 de febrero de 2020 se encuentren categorizados en una calificaci\u00f3n de riesgo normal o con problema potencial.<\/p>\n<p>\u00bfQu\u00e9 tipos de cr\u00e9ditos cubre esta ley?<\/p>\n<p>El Programa de Garant\u00edas COVID-19 abarca los cr\u00e9ditos de consumo, personales, hipotecarios para vivienda, vehiculares y Mypes. El plazo de reprogramaciones de estos cr\u00e9ditos no puede exceder de 36 meses, incluido el per\u00edodo de gracia.<\/p>\n<p>Criterios de elegibilidad<\/p>\n<p>El acogerse al Programa de Garant\u00edas COVID-19 no genera deterioro de la calificaci\u00f3n crediticia del deudor.<\/p>\n<p>Las garant\u00edas del Programa de Garant\u00edas COVID-19 solo cubren aquellas deudas en la moneda de origen del pr\u00e9stamo, a personas naturales y MYPES que cumplan, seg\u00fan corresponda, los siguientes criterios o condiciones:<\/p>\n<p>Cr\u00e9ditos de Consumo y Personales: El cr\u00e9dito total en el sistema financiero al 31 de agosto de 2020 debe ser no mayor a S\/10 000.00. Excluye a personas naturales con negocio que han accedido al Programa \u201cReactiva Per\u00fa\u201d, FAE-MYPE, FAE-TURISMO y FAE-AGRO u otro programa similar con garant\u00eda del Gobierno Nacional que se cree con posterioridad a la entrada en vigencia de la presente ley.<\/p>\n<p>Cr\u00e9ditos Hipotecarios para vivienda: el monto de origen de cr\u00e9dito debe ser no mayor a S\/ 250 000.00 solo para primera y \u00fanica vivienda, se excluyen los cr\u00e9ditos del Programa MIVIVIENDA.<\/p>\n<p>Cr\u00e9ditos MYPE: el cr\u00e9dito total en el sistema financiero al 31 de agosto de 2020, debe ser no mayor a S\/ 20 000.00. Excluye a las MYPES que hayan accedido al Programa \u201cReactiva Per\u00fa\u201d, FAE-MYPE, FAE-TURISMO y FAE-AGRO u otro programa similar con garant\u00eda del Gobierno Nacional que se cree con posterioridad a la entrada en vigencia de la presente ley.<\/p>\n<p>Cr\u00e9ditos Vehiculares: el monto de origen del cr\u00e9dito debe ser no mayor a S\/ 50 000.00 en todo el sistema financiero.<\/p>\n<p>En C Gestiona te garantizamos atenci\u00f3n personalizada integral y digitalizada en outsourcing contable y tributario. Somos un grupo de expertos en asesor\u00eda contable, financiera y legal ubicados en Centro Comercial Plaza San Miguel, 5to. Piso Av. La Marina 2000 &#8211; OPEN PUCP dispuestos a brindarte la atenci\u00f3n que necesitas. Cont\u00e1ctanos al + (51) 4506383, 954 478 430, 950 109 269 o escr\u00edbenos para m\u00e1s informaci\u00f3n a info@cgestiona.com<\/p>\n<p>+ PALABRAS: 411<\/p>\n<p>Programa de Garant\u00edas COVID-19, mypes, cr\u00e9dito, deuda<\/p>\n<p>Las personas que se adhieran al Programa de Garant\u00edas COVID-19 no se ver\u00e1n afectadas en su historial crediticio.<\/p>\n<p>Las Mypes que hayan accedido a programas del Estado como Reactiva Per\u00fa, FAE-MYPE, entre otros, no pueden acceder a la reprogramaci\u00f3n de deudas. Conoce m\u00e1s aqu\u00ed.<\/p>\n<p>Ley N\u00b0 31050<\/p>\n<\/div>\n<p><!-- .vgblk-rw-wrapper --><\/p>","protected":false},"excerpt":{"rendered":"<p>Las personas naturales o Mypes con buen record de pago podr\u00e1n adherirse al Programa de Garant\u00edas COVID-19 para reprogramar sus deudas.<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[50],"tags":[43,51,42],"class_list":["post-988935","post","type-post","status-publish","format-standard","hentry","category-finanzas-personales","tag-43","tag-finanzas-personales","tag-peru"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Ley N\u00b0 31050: Estos son los criterios de elegibilidad par\u2026<\/title>\n<meta name=\"description\" content=\"Las personas 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