{"id":5673,"date":"2016-09-13T08:35:33","date_gmt":"2016-09-13T08:35:33","guid":{"rendered":"http:\/\/progresomicrofinanzas.org\/?p=5673"},"modified":"2017-11-17T13:46:19","modified_gmt":"2017-11-17T13:46:19","slug":"normas-en-materia-de-costos-financieros","status":"publish","type":"post","link":"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/normas-en-materia-de-costos-financieros\/","title":{"rendered":"Normas en materia de costos financieros"},"content":{"rendered":"<div class=\"pdfprnt-buttons pdfprnt-buttons-post pdfprnt-top-right\"><a href=\"https:\/\/www.fundacionmicrofinanzasbbva.org\/revistaprogreso\/wp-json\/wp\/v2\/posts\/5673?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\/5673?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;\">El Presidente de la Rep\u00fablica de Colombia ha sancionado la Ley 1793 de 2016, m\u00e1s conocida como la Ley de Costos Financieros.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta Ley contempla tres aspectos esenciales: i) la imposibilidad de exigir saldos m\u00ednimos en las cuentas de ahorro, ii) la imposibilidad de causar costos financieros luego de una inactividad de 60 d\u00edas en las cuentas de ahorro, y iii) la obligaci\u00f3n de otorgar intereses remuneratorios a todas las cuentas de ahorro.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En relaci\u00f3n con el primer aspecto, la Ley establece que todas las entidades autorizadas para captar recursos del p\u00fablico en cuentas de ahorro y dep\u00f3sitos electr\u00f3nicos, deber\u00e1n permitir que sus cuentahabientes dispongan de todo el dinero depositado en sus cuentas. As\u00ed, se proh\u00edbe que tales entidades exijan a sus clientes dejar un saldo m\u00ednimo en las cuentas para mantener vigente el producto.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Por otro lado, el segundo aspecto de esta Ley establece que solo se podr\u00e1n causar cobros por costos financieros durante los primeros sesenta (60) d\u00edas de inactividad de las cuentas. De igual manera, se proh\u00edbe efectuar cobros retroactivos una vez la cuenta de ahorros vuelva a estar activa, o cuando reciba alg\u00fan dep\u00f3sito con el que se pudiese cubrir los saldos no cubiertos por costos financieros. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Es importante tener en cuenta que, para los efectos de esta Ley, la inactividad de la cuenta se entiende como la ausencia de transacciones (d\u00e9bito o cr\u00e9dito) en la misma efectuadas por parte del titular o terceros, distintos al respectivo banco.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finalmente, el tercer aspecto de la Ley se\u00f1ala que las entidades financieras autorizadas para captar recursos del p\u00fablico deber\u00e1n garantizar que todos los saldos en cuentas de ahorro reciban una tasa de inter\u00e9s remuneratoria, que en todo caso podr\u00e1 ser libremente determinada por cada uno y puede ser diferencial dependiendo del monto depositado en cada cuenta. En efecto, la norma no establece topes m\u00ednimos en relaci\u00f3n con las tasas de inter\u00e9s remuneratorias. As\u00ed, se debe entender que las entidades financieras podr\u00e1n fijar discrecionalmente dichas tasas, siempre que sean mayores a cero por ciento, y que el saldo de dep\u00f3sito sea mayor a un peso (COP $1).<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Presidente de la Rep\u00fablica de Colombia ha sancionado la Ley 1793 de 2016, m\u00e1s conocida como la Ley de Costos Financieros. Esta Ley contempla tres aspectos esenciales: i) la imposibilidad de exigir saldos m\u00ednimos en las cuentas de ahorro, ii) la imposibilidad de causar costos financieros luego de una inactividad de 60 d\u00edas en [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":5675,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"tags":[132,208,209,695,237,1428,1429,328,1431,1430],"class_list":["post-5673","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","tag-cuentas-de-ahorro","tag-colombia","tag-costos-financieros","tag-depositos","tag-entidades-financieras","tag-inactividad","tag-intereses-remuneratorios","tag-proteccion-al-cliente","tag-saldos-minimos","tag-tasas-remuneratorias","numero-8m","seccion-legislacion-normas-publicadas-microfinanzas","pais-colombia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - 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