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POLITICA DE CREDITO CONFIAMOS

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POLITICA DE CREDITO CONFIAMOS

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Capacitación Confiamos
Capacitación Confiamos
Colombia

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POLITICA DE CREDITO CONFIAMOS
 

POLITICA DE CREDITO CONFIAMOSOnline version

Reforzando lo aprendido

by Capacitación Confiamos
1

Las garantías no se evalúan en función de naturaleza, valor y liquidez de las garantías.

2

El comité de credio evalúa la mora y puede decidir reestructurar o pasar a cobro jurídico.

3

Confiamos Colombia SAS se enfoca en microcréditos para población rural y urbana de estratos 4, 2 y 3.

4

La periodicidad de pago está restringida exclusivamente a pagos mensuales, sin excepciones.

5

La tasa de interés máxima debe ajustarse a lo establecido por la Circular Básica Jurídica y no puede superar la usura.

6

Un asesor urbano puede gestionar un máximo de 700 clientes, según la política vigente.

7

El plazo máximo permitido para cualquier crédito es de 24 meses.

8

La política de crédito impone que todas las operaciones deben estar garantizadas con hipotecas.

9

Los microcréditos pueden destinarse a capital de trabajo, educación, mejoramiento de vivienda y libre inversión

10

Los límites de exposición por sector permiten que la cartera de crédito Rural alcance hasta el 80%.

11

El sistema de amortización utilizado es el sistema francés, con cuotas constantes y amortización de capital creciente.

 
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