Publican ley que permite postergar cuotas de créditos hipotecarios
Law Firm | Garnham Abogados |
Published date | 11 January 2021 |
El pasado 4 de enero fue publicada la Ley 21.299, que permite la postergación de cuotas de créditos hipotecarios y crea una garantía estatal para caucionar cuotas postergadas.
De este modo, los acreedores (bancos, cooperativas de ahorro y crédito, agentes administradores de mutuos hipotecarios endosables, acreedores de los mutuos otorgados por los mencionados agentes administradores y compañías de seguros), podrán -a solicitud de los deudores- otorgar créditos de postergación de obligaciones garantizadas con hipoteca.
Tales créditos de postergación corresponden a contratos de mutuo de dinero, cuyo objeto es pagar determinadas cuotas de un crédito hipotecario y tienen las siguientes características:
- Estarán exentos del pago del impuesto de timbres y estampillas.
- Las cuotas del crédito hipotecario que se pagan con el crédito de postergación incluyen los intereses, amortizaciones y seguros u otros gastos asociados al mismo.
- La contratación de seguros es voluntaria y no podrán tener un costo superior a los seguros contratados en virtud del respectivo crédito hipotecario.
- Solo podrán usarse para pagar cuotas completas y consecutivas de un crédito hipotecario.
- No podrán tener una tasa de interés superior a la del crédito hipotecario.
- El pago de las cuotas no se entenderá como un prepago, ni dará lugar al pago de comisiones de prepago.
El contrato deberá celebrarse entre el acreedor y el deudor del crédito hipotecario, mediante escritura pública. El deudor podrá otorgar un mandato al acreedor, para que este último lo represente y celebre el contrato de crédito de postergación y cumpla con toda diligencia y requisitos pertinentes.
La forma de pago solo podrá ser en cuotas mensuales de un mismo valor, con dos opciones: i) pagaderas con posterioridad a la fecha de pago de la última cuota del crédito hipotecario; ii) distribuidas en un plazo que no podrá superar el plazo residual del respectivo crédito hipotecario.
El pago de las cuotas deberá hacerse dentro del plazo de 10 días hábiles...
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