{"id":2837,"date":"2015-12-14T09:52:21","date_gmt":"2015-12-14T09:52:21","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=2837"},"modified":"2016-02-17T16:56:59","modified_gmt":"2016-02-17T16:56:59","slug":"new-rules-for-the-filing-of-real-estate-collateral","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/en\/new-rules-for-the-filing-of-real-estate-collateral\/","title":{"rendered":"New Rules for the Filing of Real-Estate Collateral"},"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\/2837?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\/2837?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>The Colombian government enacted Decree 1835\/2015 to provide greater clarity regarding the filing of real-estate collateral as a way of making it easier for small and medium-sized enterprises and entrepreneurs to access funding. The new regulations include:<\/p>\n<ul>\n<li>A glossary of the terms applicable to the filing of real-estate collateral, such as borrower, guaranteed, online file, registry form, etc.<\/li>\n<li>Greater clarity about how the real-estate collateral registry works, allocating serial numbers, providing certificates and copies of filing documents, etc.<\/li>\n<li>Round-the\u2013clock, open access to the real-estate collateral registry (24\/7).<\/li>\n<li>Definition of he requirements for filing real-estate collateral in the system. Filers must create a username, and pay the registration rights and the certification of the form.<\/li>\n<li>Definition of the term during which the collateral guarantee will remain in force.<\/li>\n<li>Minimum information to be provided to the system for filing real-estate collateral.<\/li>\n<\/ul>\n<h3><strong>A more simple system for filing <\/strong><strong>real-estate collateral<\/strong><\/h3>\n<p>The decree clears up queries from the market about the application of Real-Estate Collateral Law 1676\/2013, analysed in <a href=\"http:\/\/progresomicrofinanzas.org\/en\/new-regulations-on-secured-transactions\/\">Progreso 1<\/a>, as the system can only be effective if people find it easy to use and actively file their collateral in the registry it created.<\/p>\n<p>Once the filing system works correctly, more people and small businesses will be able to use their real-estate as collateral to obtain credit. This should encourage entrepreneurs to take advantage of more financial opportunities in the country.<\/p>\n<p>In Progreso 1, we also commented the new rules regarding the mortgaging of movable assets in <a href=\"http:\/\/progresomicrofinanzas.org\/en\/modernizing-the-secured-transactions-system\/\">Panama<\/a> and <a href=\"http:\/\/progresomicrofinanzas.org\/en\/bill-for-a-secured-transactions-act\/\">Peru<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Colombian government enacted Decree 1835\/2015 to provide greater clarity regarding the filing of real-estate collateral as a way of making it easier for small and medium-sized enterprises and entrepreneurs to access funding. The new regulations include: A glossary of the terms applicable to the filing of real-estate collateral, such as borrower, guaranteed, online file, [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":2665,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[353,356,619,357,354,338,355,352],"class_list":["post-2837","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-borrower","tag-business-funding","tag-colombia-en-2","tag-entrepreneurs","tag-filing-rights","tag-information","tag-real-estate-assets","tag-real-estate-collateral","numero-5-en","seccion-published-and-draft-legislation-microfinance","pais-colombia-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>New Rules for the Filing of Real-Estate Collateral<\/title>\n<meta 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