{"id":22331,"date":"2024-12-01T12:48:23","date_gmt":"2024-12-01T11:48:23","guid":{"rendered":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/?p=22331"},"modified":"2024-12-03T13:00:05","modified_gmt":"2024-12-03T12:00:05","slug":"seguro-de-desgravamen","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/seguro-de-desgravamen\/","title":{"rendered":"Seguro de desgravamen"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/22331?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=\"Ver PDF\" \/><\/a><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/22331?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=\"Imprimir contenido\" \/><\/a><\/div><p><span style=\"font-weight: 400;\">Con la finalidad de proteger los intereses de los usuarios del sistema financiero y de seguros, la Superintendencia de Banca y Seguros (<\/span><a href=\"https:\/\/www.sbs.gob.pe\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">SBS<\/span><\/a><span style=\"font-weight: 400;\">) de Per\u00fa public\u00f3 en octubre un <strong>proyecto que plantea modificaciones a los reglamentos de conducta del mercado del sistema financiero en temas relacionados con el seguro de desgravamen<\/strong>.<\/span><\/p>\n<h2><b>Seguro de desgravamen<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">La pr\u00e1ctica comercial actual es que las entidades financieras otorguen cr\u00e9ditos con un seguro de desgravamen para disminuir el riesgo crediticio ante el potencial fallecimiento o invalidez del deudor. <strong>Lo que la SBS propone es que la adquisici\u00f3n del seguro de desgravamen pueda ser una condici\u00f3n obligatoria solo en la contrataci\u00f3n de los cr\u00e9ditos hipotecarios y opcional para el resto de productos crediticios<\/strong> (cr\u00e9dito de consumo, tarjetas de cr\u00e9dito, etc.). As\u00ed, <strong>las entidades financieras deber\u00e1n contar en su portafolio con un producto con seguro de desgravamen y otro sin seguro de desgravamen<\/strong>, e informar a los usuarios para que puedan ejercer su derecho a elegir.<\/span><\/p>\n<p><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-22332 alignleft\" src=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-300x200.jpg\" alt=\"firma contrato\" width=\"324\" height=\"216\" srcset=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-300x200.jpg 300w, https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-1024x683.jpg 1024w, https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-768x512.jpg 768w, https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-1536x1024.jpg 1536w, https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-content\/uploads\/2024\/11\/contrato-2048x1366.jpg 2048w\" sizes=\"auto, (max-width: 324px) 100vw, 324px\" \/><\/a><\/p>\n<h2><b>Transparencia<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Con la finalidad de promover una mayor transparencia en los cobros y pagos que se realizan entre las entidades financieras y las empresas de seguros,<strong> se propone en el proyecto que las entidades financieras, a trav\u00e9s de sus portales web, difundan informaci\u00f3n sobre la prima de desgravamen<\/strong> y el componente que corresponda al cobro por comercializaci\u00f3n (que asume la entidad financiera).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La SBS considerar\u00e1 pr\u00e1ctica abusiva el traslado a los clientes de cobros distintos a los que correspondan propiamente al cargo del servicio de comercializaci\u00f3n del seguro de desgravamen.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Con la finalidad de proteger los intereses de los usuarios del sistema financiero y de seguros, la Superintendencia de Banca y Seguros (SBS) de Per\u00fa public\u00f3 en octubre un proyecto que plantea modificaciones a los reglamentos de conducta del mercado del sistema financiero en temas relacionados con el seguro de desgravamen. Seguro de desgravamen La [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[92,104,6676,6675,3655,237,2129,317,2514,200,6674,6677,311],"class_list":["post-22331","post","type-post","status-publish","format-standard","hentry","tag-bancos","tag-transparencia","tag-cobros","tag-desgravamen","tag-entidad-financiera","tag-entidades-financieras","tag-pagos","tag-peru","tag-riesgo-crediticio","tag-sbs","tag-seguro","tag-seguro-de-desgravamen","tag-seguros","numero-6667","seccion-es-tendencia-interes-microfinanzas","pais-peru"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Seguro de desgravamen en Per\u00fa: qu\u00e9 debes saber<\/title>\n<meta name=\"description\" content=\"Modificaciones de la SBS de Per\u00fa sobre conducta 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