La Asamblea Nacional de Ecuador aprobó la Ley de Hipotecas

Esta propuesta impulsada por el mandatario de Ecuador, Rafael Correa, exime del pago de deudas a quienes no puedan continuar abonando las cuotas hipotecarias de una primera vivienda familiar que no tenga un costo superior a los 500 salarios básicos.
La Ley de Regulación de Créditos para Vivienda y Vehículos fue aprobada este martes en segundo debate del pleno de la Asamblea Nacional ecuatoriana.
La normativa fue aprobada con 68 votos afirmativos, 1 negativo y 21 abstenciones.
La llamada Ley de Hipotecas se aplicará cuando las personas que mantengan deudas económicas deseen adquirir o construir una única vivienda familiar mediante un crédito.
Dicho préstamo tendrá un monto máximo establecido que no podrá superar los 500 salarios básicos. La normativa también se aplicará para la remodelación o readecuación de esa única vivienda familiar.
Además, el texto señala que tras el vencimiento del pago de estas obligaciones hipotecarías estás podrán ser cobradas a través de ejecución o devolución de lo concedido en garantía para la obtención del crédito.
De este modo, una vez realizado el embargo o ejecución de los bienes contemplados, el crédito dejará de percibir intereses.
Vale recordar que el pasado 24 de abril se inició el primer debate del proyecto de Ley de Hipotecas que concluyó el pasado 3 de mayo.
Tras este primer tratamiento se agregó una protección para quienes adquieran un primer vehículo por un precio de hasta 100 salarios básicos de 292 dólares. (PÚLSAR)

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