{"id":15814,"date":"2020-02-10T17:24:29","date_gmt":"2020-02-10T17:24:29","guid":{"rendered":"http:\/\/fundacionmicrofinanzasbbva.org\/revistaprogreso\/?p=15814"},"modified":"2020-06-08T06:55:47","modified_gmt":"2020-06-08T06:55:47","slug":"15814","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/15814\/","title":{"rendered":"Portabilidad financiera"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/15814?print=pdf\" class=\"pdfprnt-button pdfprnt-button-pdf\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/pdf.png\" alt=\"image_pdf\" title=\"View PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/wp-json\/wp\/v2\/posts\/15814?print=print\" class=\"pdfprnt-button pdfprnt-button-print\" target=\"_blank\"><img decoding=\"async\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/plugins\/pdf-print\/images\/print.png\" alt=\"image_print\" title=\"Print Content\" \/><\/a><\/div><p>El pasado mes de noviembre el Senado chileno aprob\u00f3 el proyecto de ley sobre Portabilidad Financiera que tiene por objeto facilitar la contrataci\u00f3n de productos o servicios financieros con un nuevo proveedor finalizando a la vez la contrataci\u00f3n con el proveedor anterior.<\/p>\n<p>La norma, que entrar\u00e1 en vigor a los 120 d\u00edas de su publicaci\u00f3n en el Diario Oficial, establece condiciones de acceso a financiamiento m\u00e1s favorables, beneficiando as\u00ed a hogares y peque\u00f1as empresas. Entre los aspectos que regula, destacan:<\/p>\n<p><b>Proveedor <\/b><\/p>\n<p>Se entiende por proveedor toda compa\u00f1\u00eda de seguros, agente administrador de mutuos hipotecarios, caja de compensaci\u00f3n de asignaci\u00f3n familiar, cooperativa de ahorro y cr\u00e9dito, instituci\u00f3n que coloque fondos por medio de operaciones de cr\u00e9dito de dinero de manera masiva o toda otra entidad fiscalizada por la Comisi\u00f3n para el Mercado Financiero.<\/p>\n<p><b>Portabilidad<\/b><\/p>\n<p>Es el proceso por el cual un cliente contrata un producto o servicio financiero con un nuevo proveedor finalizando a la vez la contrataci\u00f3n de otro producto o servicio con otro proveedor. A estos efectos, la norma distingue entre:<\/p>\n<ul>\n<li>Portabilidad sin subrogaci\u00f3n: contrataci\u00f3n de productos o servicios financieros con un nuevo\u00a0\u00a0 proveedor, obteniendo el t\u00e9rmino de productos o servicios financieros que el cliente mantenga vigentes con el proveedor inicial, extinguiendo en consecuencia todas las garant\u00edas que caucionaban dichos productos o servicios.<\/li>\n<li>Portabilidad con subrogaci\u00f3n: proceso por el cual el cliente contrata un nuevo cr\u00e9dito con un nuevo proveedor con el objeto principal de pagar un cr\u00e9dito que el cliente mantiene con un proveedor inicial, produci\u00e9ndose con ello una subrogaci\u00f3n real de cr\u00e9dito.<\/li>\n<\/ul>\n<p><b>Protecci\u00f3n de datos personales <\/b><\/p>\n<p>La norma exige tratar los datos personales conforme a lo previsto en la Ley N\u00b0 19.628, sobre Protecci\u00f3n de la Vida Privada. En concreto, la norma establece que los datos personales tratados en virtud de una solicitud de portabilidad ya cumplieron con su finalidad y por ello, deber\u00e1n ser cancelados, una vez concluido el respectivo proceso de portabilidad.<\/p>\n<p><b>Otros aspectos relevantes<\/b><\/p>\n<p>La norma regula adem\u00e1s, el proceso de solicitud de portabilidad y su vigencia,\u00a0 la oferta realizada por el proveedor y aceptaci\u00f3n de la misma por el cliente; modifica alguno de los preceptos de la ley 19.496 sobre protecci\u00f3n de los derechos de los consumidores y prev\u00e9 la aprobaci\u00f3n de un reglamento para su desarrollo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El pasado mes de noviembre el Senado chileno aprob\u00f3 el proyecto de ley sobre Portabilidad Financiera que tiene por objeto facilitar la contrataci\u00f3n de productos o servicios financieros con un nuevo proveedor finalizando a la vez la contrataci\u00f3n con el proveedor anterior. La norma, que entrar\u00e1 en vigor a los 120 d\u00edas de su publicaci\u00f3n [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":16021,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[4111,4659,4660,4661,4662,4663,4664,4665,4666],"class_list":["post-15814","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-inclusion-financiera-en","tag-acceso-a-servicios-financieros-en","tag-cliente-en","tag-consumidor-en","tag-micro-empresa-en","tag-portabilidad-financiera-en","tag-proteccion-de-datos-personales-en","tag-proveedor-en","tag-usuario-en","numero-21-en","seccion-published-and-draft-legislation-microfinance","pais-chile-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Portabilidad financiera<\/title>\n<meta name=\"description\" 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