Préstamos de emergencia
PROYECTO DE PRÉSTAMOS DE EMERGENCIA PLAN 2016
Funcionando desde el 02 de Mayo de 2016
OBJETIVO:
Conceder a los trabajadores Universitarios préstamos de emergencia que satisfagan necesidades urgentes, con tasa de interés del 7% anual y plazo máximo de 24 meses, monto máximo $2,000.00.
DESCRIPCIÓN:
El Proyecto consiste en el otorgamiento de préstamos de emergencia sujetos al análisis de liquidez del 20% sobre el salario básico del trabajador y cargo de cuotas en planilla de salario de cada usuario, considerando que es una forma de realizar una recuperación efectiva de esta Inversión y con lo que se da cumplimiento a los Arts. 8 y 12 del Reglamento de Préstamos Personales y de Emergencia y Art. 66 del Reglamento General del FUP.
La erogación de fondos a favor del usuario se realizará cuando la orden de descuento esté debidamente autorizada y firmada por el administrador financiero de la facultad y Tesorería de la UES.
CONDICIONES:
| MONTO MÍNIMO DEL PRÉSTAMO | $ 100.00 |
| MONTO MÁXIMO DEL PRÉSTAMO | $ 2,000.00 |
| PLAZO MÍNIMO | 1 MES |
| PLAZO MÁXIMO | 24 MESES |
| TASA DE INTERÉS | 7.0% ANUAL |
- Los montos y plazos deberán solicitarse y aprobarse según la correspondiente tabla de montos, plazos y cuotas. (VER TABLA)
- La amortización se efectuará calculando en la cuota mensual el interés sobre saldo y el respectivo abono a capital.
- Para el caso de usuarios que requieran trasladar su deuda con el saldo existente, en concepto de préstamo de emergencia (Lentes, Escolares, Medicamentos y Funerarios), para optar a la baja de interés, no será necesario contar con ningún porcentaje ni monto de pago y será independiente de la modalidad de contratación o nombramiento.
- En el caso de trabajadores bajo Ley de Salario o contratos permanentes, podrán optar a estos créditos, a partir de 12 meses cotizados al FUP
- Con el propósito de salvaguardar la recuperación de los créditos, en el caso de trabajadores contratados de manera eventual, podrán optar a préstamos de emergencia, de acuerdo al tiempo de servicio, según la siguiente tabla:
| De 2 hasta 3 años | $ 800.00 |
| De más de 3 hasta 4 años | $ 1,200.00 |
| De más de 4 hasta 5 años | $ 1,600.00 |
| De más de 5 años | $ 2,000.00 |
REQUISITOS:
Presentar la siguiente documentación:
- Solicitud de préstamo en formato establecido por el FUP
- Boleta de pago actualizada conteniendo fecha de ingreso, firmada y sellada por el (la) Administrador (a) Financiero o Jefe de Recursos Humanos, según el caso.
- Fotocopia legible de DUI (ampliada a 150%) y NIT, ambas frente y reverso.
REFINANCIAMIENTO:
- Los préstamos de emergencia serán refinanciables al haber cancelado el 50% de las cuotas en planilla.
GARANTÍAS:
- Este tipo de préstamos no requerirá codeudor.
- Se firmará por el monto del préstamo un pagaré.
TABLA DE PRÉSTAMOS DE EMERGENCIA PLAN 2014
|
MONTO |
1 MESES |
2 MESES |
3 MESES |
4 MESES |
5 MESES |
6 MESES |
7 MESES |
8 MESES |
9 MESES |
10 MESES |
11 MESES |
12 MESES |
|
$100.00 |
$100.58 | $50.44 | $33.72 | $25.36 | $20.35 | $17.01 | $14.62 | $12.83 | $11.44 | $10.32 | $9.41 | $8.65 |
|
$150.00 |
$150.87 | $75.65 | $50.58 | $38.05 | $30.52 | $25.51 | $21.93 | $19.24 | $17.15 | $15.48 | $14.12 | $12.98 |
|
$200.00 |
$201.16 | $100.87 | $67.44 | $50.73 | $40.70 | $34.01 | $29.24 | $25.66 | $22.87 | $20.64 | $18.82 | $17.30 |
|
$250.00 |
$251.45 | $126.09 | $84.30 | $63.41 | $50.87 | $42.52 | $36.55 | $32.07 | $28.59 | $25.80 | $23.53 | $21.63 |
|
$300.00 |
$301.74 | $151.31 | $101.16 | $76.09 | $61.05 | $51.02 | $43.86 | $38.49 | $34.31 | $30.97 | $28.23 | $25.95 |
|
$350.00 |
$352.03 | $176.52 | $118.02 | $88.77 | $71.22 | $59.52 | $51.17 | $44.90 | $40.03 | $36.13 | $32.94 | $30.28 |
|
$400.00 |
$402.32 | $201.74 | $134.88 | $101.45 | $81.40 | $68.03 | $58.48 | $51.31 | $45.74 | $41.29 | $37.64 | $34.60 |
|
$450.00 |
$452.61 | $226.96 | $151.74 | $114.14 | $91.57 | $76.53 | $65.79 | $57.73 | $51.46 | $46.45 | $42.35 | $38.93 |
|
$500.00 |
$502.90 | $252.18 | $168.60 | $126.82 | $101.75 | $85.03 | $73.10 | $64.14 | $57.18 | $51.61 | $47.05 | $43.25 |
|
$550.00 |
$553.19 | $277.39 | $185.46 | $139.50 | $111.92 | $93.54 | $80.40 | $70.56 | $62.90 | $56.77 | $51.76 | $47.58 |
|
$600.00 |
$603.48 | $302.61 | $202.32 | $152.18 | $122.10 | $102.04 | $87.71 | $76.97 | $68.61 | $61.93 | $56.46 | $51.90 |
|
$650.00 |
$653.77 | $327.83 | $219.18 | $164.86 | $132.27 | $110.54 | $95.02 | $83.38 | $74.33 | $67.09 | $61.17 | $56.23 |
|
$700.00 |
$704.06 | $353.05 | $236.05 | $177.54 | $142.45 | $119.05 | $102.33 | $89.80 | $80.05 | $72.25 | $65.87 | $60.56 |
|
$750.00 |
$754.35 | $378.27 | $252.91 | $190.23 | $152.62 | $127.55 | $109.64 | $96.21 | $85.77 | $77.41 | $70.58 | $64.88 |
|
$800.00 |
$804.64 | $403.48 | $269.77 | $202.91 | $162.79 | $136.05 | $116.95 | $102.63 | $91.49 | $82.57 | $75.28 | $69.21 |
|
$850.00 |
$854.93 | $428.70 | $286.63 | $215.59 | $172.97 | $144.56 | $124.26 | $109.04 | $97.20 | $87.74 | $79.99 | $73.53 |
|
$900.00 |
$905.22 | $453.92 | $303.49 | $228.27 | $183.14 | $153.06 | $131.57 | $115.46 | $102.92 | $92.90 | $84.69 | $77.86 |
|
$950.00 |
$955.51 | $479.14 | $320.35 | $240.95 | $193.32 | $161.56 | $138.88 | $121.87 | $108.64 | $98.06 | $89.40 | $82.18 |
|
$1,000.00 |
$1,005.80 | $504.35 | $337.21 | $253.64 | $203.49 | $170.07 | $146.19 | $128.28 | $114.36 | $103.22 | $94.10 | $86.51 |
|
$1,050.00 |
$1,056.09 | $529.57 | $354.07 | $266.32 | $213.67 | $178.57 | $153.50 | $134.70 | $120.08 | $108.38 | $98.81 | $90.83 |
|
$1,100.00 |
$1,106.38 | $554.79 | $370.93 | $279.00 | $223.84 | $187.07 | $160.81 | $141.11 | $125.79 | $113.54 | $103.51 | $95.16 |
|
$1,150.00 |
$1,156.67 | $580.01 | $387.79 | $291.68 | $234.02 | $195.58 | $168.12 | $147.53 | $131.51 | $118.70 | $108.22 | $99.48 |
|
$1,200.00 |
$1,206.96 | $605.23 | $404.65 | $304.36 | $244.19 | $204.08 | $175.43 | $153.94 | $137.23 | $123.86 | $112.92 | $103.81 |
|
$1,250.00 |
$1,257.25 | $630.44 | $421.51 | $317.04 | $254.37 | $212.58 | $182.74 | $160.36 | $142.95 | $129.02 | $117.63 | $108.14 |
|
$1,300.00 |
$1,307.54 | $655.66 | $438.37 | $329.73 | $264.54 | $221.09 | $190.05 | $166.77 | $148.67 | $134.18 | $122.33 | $112.46 |
|
$1,350.00 |
$1,357.83 | $680.88 | $455.23 | $342.41 | $274.72 | $229.59 | $197.36 | $173.18 | $154.38 | $139.34 | $127.04 | $116.79 |
|
$1,400.00 |
$1,408.12 | $706.10 | $472.09 | $355.09 | $284.89 | $238.09 | $204.67 | $179.60 | $160.10 | $144.50 | $131.74 | $121.11 |
|
$1,450.00 |
$1,458.41 | $731.31 | $488.95 | $367.77 | $295.07 | $246.60 | $211.98 | $186.01 | $165.82 | $149.67 | $136.45 | $125.44 |
|
$1,500.00 |
$1,508.70 | $756.53 | $505.81 | $380.45 | $305.24 | $255.10 | $219.29 | $192.43 | $171.54 | $154.83 | $141.15 | $129.76 |
|
$1,550.00 |
$1,558.99 | $781.75 | $522.67 | $393.13 | $315.41 | $263.60 | $226.60 | $198.84 | $177.26 | $159.99 | $145.86 | $134.09 |
|
$1,600.00 |
$1,609.28 | $806.97 | $539.53 | $405.82 | $325.59 | $272.11 | $233.90 | $205.26 | $182.97 | $165.15 | $150.57 | $138.41 |
|
$1,650.00 |
$1,659.57 | $832.18 | $556.39 | $418.50 | $335.76 | $280.61 | $241.21 | $211.67 | $188.69 | $170.31 | $155.27 | $142.74 |
|
$1,700.00 |
$1,709.86 | $857.40 | $573.25 | $431.18 | $345.94 | $289.11 | $248.52 | $218.08 | $194.41 | $175.47 | $159.98 | $147.06 |
|
$1,750.00 |
$1,760.15 | $882.62 | $590.11 | $443.86 | $356.11 | $297.62 | $255.83 | $224.50 | $200.13 | $180.63 | $164.68 | $151.39 |
|
$1,800.00 |
$1,810.44 | $907.84 | $606.97 | $456.54 | $366.29 | $306.12 | $263.14 | $230.91 | $205.84 | $185.79 | $169.39 | $155.71 |
|
$1,850.00 |
$1,860.73 | $933.06 | $623.83 | $469.23 | $376.46 | $314.62 | $270.45 | $237.33 | $211.56 | $190.95 | $174.09 | $160.04 |
|
$1,900.00 |
$1,911.02 | $958.27 | $640.69 | $481.91 | $386.64 | $323.13 | $277.76 | $243.74 | $217.28 | $196.11 | $178.80 | $164.37 |
|
$1,950.00 |
$1,961.31 | $983.49 | $657.55 | $494.59 | $396.81 | $331.63 | $285.07 | $250.15 | $223.00 | $201.27 | $183.50 | $168.69 |
|
$2,000.00 |
$2,011.60 | $1,008.71 | $674.41 | $507.27 | $406.99 | $340.13 | $292.38 | $256.57 | $228.72 | $206.44 | $188.21 | $173.02 |
| Volver al inicio | ||||||||||||
|
MONTO |
13 MESES |
14 MESES |
15 MESES |
16 MESES |
17 MESES |
18 MESES |
19 MESES |
20 MESES |
21 MESES |
22 MESES |
23 MESES |
24 MESES |
|
$100.00 |
$8.01 | $7.46 | $6.98 | $6.56 | $6.19 | $5.87 | $5.57 | $5.31 | $5.07 | $4.85 | $4.66 | $4.48 |
|
$150.00 |
$12.01 | $11.19 | $10.47 | $9.84 | $9.29 | $8.80 | $8.36 | $7.97 | $7.61 | $7.28 | $6.99 | $6.71 |
|
$200.00 |
$16.02 | $14.91 | $13.96 | $13.13 | $12.39 | $11.73 | $11.15 | $10.62 | $10.14 | $9.71 | $9.31 | $8.95 |
|
$250.00 |
$20.02 | $18.64 | $17.45 | $16.41 | $15.49 | $14.67 | $13.93 | $13.28 | $12.68 | $12.14 | $11.64 | $11.19 |
|
$300.00 |
$24.02 | $22.37 | $20.94 | $19.69 | $18.58 | $17.60 | $16.72 | $15.93 | $15.21 | $14.56 | $13.97 | $13.43 |
|
$350.00 |
$28.03 | $26.10 | $24.43 | $22.97 | $21.68 | $20.53 | $19.51 | $18.59 | $17.75 | $16.99 | $16.30 | $15.66 |
|
$400.00 |
$32.03 | $29.83 | $27.92 | $26.25 | $24.78 | $23.47 | $22.29 | $21.24 | $20.29 | $19.42 | $18.63 | $17.90 |
|
$450.00 |
$36.04 | $33.56 | $31.41 | $29.53 | $27.87 | $26.40 | $25.08 | $23.90 | $22.82 | $21.85 | $20.96 | $20.14 |
|
$500.00 |
$40.04 | $37.29 | $34.90 | $32.81 | $30.97 | $29.33 | $27.87 | $26.55 | $25.36 | $24.27 | $23.28 | $22.38 |
|
$550.00 |
$44.05 | $41.02 | $38.39 | $36.09 | $34.07 | $32.27 | $30.66 | $29.21 | $27.89 | $26.70 | $25.61 | $24.61 |
|
$600.00 |
$48.05 | $44.74 | $41.88 | $39.38 | $37.16 | $35.20 | $33.44 | $31.86 | $30.43 | $29.13 | $27.94 | $26.85 |
|
$650.00 |
$52.05 | $48.47 | $45.37 | $42.66 | $40.26 | $38.13 | $36.23 | $34.52 | $32.97 | $31.56 | $30.27 | $29.09 |
|
$700.00 |
$56.06 | $52.20 | $48.86 | $45.94 | $43.36 | $41.07 | $39.02 | $37.17 | $35.50 | $33.98 | $32.60 | $31.33 |
|
$750.00 |
$60.06 | $55.93 | $52.35 | $49.22 | $46.46 | $44.00 | $41.80 | $39.83 | $38.04 | $36.41 | $34.93 | $33.57 |
|
$800.00 |
$64.07 | $59.66 | $55.84 | $52.50 | $49.55 | $46.93 | $44.59 | $42.48 | $40.57 | $38.84 | $37.25 | $35.80 |
|
$850.00 |
$68.07 | $63.39 | $59.33 | $55.78 | $52.65 | $49.87 | $47.38 | $45.14 | $43.11 | $41.27 | $39.58 | $38.04 |
|
$900.00 |
$72.07 | $67.12 | $62.82 | $59.06 | $55.75 | $52.80 | $50.16 | $47.79 | $45.64 | $43.69 | $41.91 | $40.28 |
|
$950.00 |
$76.08 | $70.85 | $66.31 | $62.34 | $58.84 | $55.73 | $52.95 | $50.45 | $48.18 | $46.12 | $44.24 | $42.52 |
|
$1,000.00 |
$80.08 | $74.57 | $69.80 | $65.63 | $61.94 | $58.67 | $55.74 | $53.10 | $50.72 | $48.55 | $46.57 | $44.75 |
|
$1,050.00 |
$84.09 | $78.30 | $73.29 | $68.91 | $65.04 | $61.60 | $58.52 | $55.76 | $53.25 | $50.98 | $48.90 | $46.99 |
|
$1,100.00 |
$88.09 | $82.03 | $76.78 | $72.19 | $68.14 | $64.53 | $61.31 | $58.41 | $55.79 | $53.40 | $51.23 | $49.23 |
|
$1,150.00 |
$92.09 | $85.76 | $80.27 | $75.47 | $71.23 | $67.47 | $64.10 | $61.07 | $58.32 | $55.83 | $53.55 | $51.47 |
|
$1,200.00 |
$96.10 | $89.49 | $83.76 | $78.75 | $74.33 | $70.40 | $66.88 | $63.72 | $60.86 | $58.26 | $55.88 | $53.71 |
|
$1,250.00 |
$100.10 | $93.22 | $87.25 | $82.03 | $77.43 | $73.33 | $69.67 | $66.38 | $63.39 | $60.68 | $58.21 | $55.94 |
|
$1,300.00 |
$104.11 | $96.95 | $90.74 | $85.31 | $80.52 | $76.27 | $72.46 | $69.03 | $65.93 | $63.11 | $60.54 | $58.18 |
|
$1,350.00 |
$108.11 | $100.68 | $94.23 | $88.59 | $83.62 | $79.20 | $75.25 | $71.69 | $68.47 | $65.54 | $62.87 | $60.42 |
|
$1,400.00 |
$112.12 | $104.40 | $97.72 | $91.88 | $86.72 | $82.13 | $78.03 | $74.34 | $71.00 | $67.97 | $65.20 | $62.66 |
|
$1,450.00 |
$116.12 | $108.13 | $101.21 | $95.16 | $89.82 | $85.07 | $80.82 | $77.00 | $73.54 | $70.39 | $67.52 | $64.89 |
|
$1,500.00 |
$120.12 | $111.86 | $104.70 | $98.44 | $92.91 | $88.00 | $83.61 | $79.65 | $76.07 | $72.82 | $69.85 | $67.13 |
|
$1,550.00 |
$124.13 | $115.59 | $108.19 | $101.72 | $96.01 | $90.93 | $86.39 | $82.31 | $78.61 | $75.25 | $72.18 | $69.37 |
|
$1,600.00 |
$128.13 | $119.32 | $111.68 | $105.00 | $99.11 | $93.87 | $89.18 | $84.96 | $81.15 | $77.68 | $74.51 | $71.61 |
|
$1,650.00 |
$132.14 | $123.05 | $115.17 | $108.28 | $102.20 | $96.80 | $91.97 | $87.62 | $83.68 | $80.10 | $76.84 | $73.84 |
|
$1,700.00 |
$136.14 | $126.78 | $118.66 | $111.56 | $105.30 | $99.73 | $94.75 | $90.27 | $86.22 | $82.53 | $79.17 | $76.08 |
|
$1,750.00 |
$140.14 | $130.51 | $122.15 | $114.85 | $108.40 | $102.67 | $97.54 | $92.93 | $88.75 | $84.96 | $81.49 | $78.32 |
|
$1,800.00 |
$144.15 | $134.23 | $125.64 | $118.13 | $111.49 | $105.60 | $100.33 | $95.58 | $91.29 | $87.39 | $83.82 | $80.56 |
|
$1,850.00 |
$148.15 | $137.96 | $129.13 | $121.41 | $114.59 | $108.53 | $103.11 | $98.24 | $93.82 | $89.81 | $86.15 | $82.80 |
|
$1,900.00 |
$152.16 | $141.69 | $132.62 | $124.69 | $117.69 | $111.47 | $105.90 | $100.89 | $96.36 | $92.24 | $88.48 | $85.03 |
|
$1,950.00 |
$156.16 | $145.42 | $136.11 | $127.97 | $120.79 | $114.40 | $108.69 | $103.55 | $98.90 | $94.67 | $90.81 | $87.27 |
|
$2,000.00 |
$160.16 | $149.15 | $139.60 | $131.25 | $123.88 | $117.33 | $111.47 | $106.20 | $101.43 | $97.10 | $93.14 | $89.51 |