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Ley de Portabilidad financiera: ¿En qué consiste?

Jun 12, 2020

Este mes fue promulgada La Ley de Portabilidad Financiera, normativa que permitirá a las personas y empresas cambiarse con mayor rapidez y facilidad de proveedor de productos financieros, como cuentas corrientes, tarjetas de crédito y préstamos hipotecarios, de consumo y automotrices.

“Es una buena noticia, porque uno de los reclamos de los clientes es lo difícil que es cambiarse de banco cuando otro te ofrece mejores condiciones, existen costos de salida, tiempo de demora y trabas”, señala Mario Espinosa, abogado y gerente general de Grupo Defensa.   

“Es una buena noticia, porque uno de los reclamos de los clientes es lo difícil que es cambiarse de banco cuando otro te ofrece mejores condiciones, existen costos de salida, tiempo de demora y trabas”, señala Mario Espinosa, abogado y gerente general de Grupo Defensa.   

La ley establece un mecanismo que les permitirá a las personas comparar la totalidad de costos, intereses y comisiones que le cobran por todos los productos que contrate, facilitando de manera significativa la comparación de alternativas para el cliente.

Aunque Espinosa aclara que “si bien tiene por objetivo facilitar el cambio de una institución financiera a otra, las personas no pueden asumir que será de la misma forma que como se produce la portabilidad telefónica”.

El especialista agrega que debido a las complicaciones económicas que enfrenta el país el proceso puede ser más complejo.

“Tampoco el banco va a eximirse del análisis de riesgo del cliente, por lo tanto no debería pensarse que esto va a ser automático ni tan fácil. Hoy como están las cosas el análisis de riesgo será más exigente y puede significar en la práctica un límite para que las personas puedan optar a esa portabilidad”.

 

¿Cómo funciona la portabilidad financiera?

El mecanismo contempla que la persona que quiera cambiarse de entidad, o refinanciar un crédito, deberá solicitar online un certificado de liquidación con la individualización y el detalle de todos sus productos. Con ese documento podrá cotizar préstamos y productos en otras entidades bancarias.

Tras haber elegido una nueva institución, el cliente deja firmada una solicitud de portabilidad financiera, con lo que comenzará de manera automática el proceso de cierre de los productos financieros y la apertura de los nuevos en la entidad a la cual se incorpora.

Además, no habrá necesidad de una nueva hipoteca ni costos por constitución de garantía ni legales. Asimismo, el costo del conservador de bienes raíces se reducirá a la mitad.

 

¿Qué entidades financieras están consideradas para la Portabilidad?

  • Bancos.
  • Compañías de seguros.
  • Agentes administradores de mutuos hipotecarios.
  • Cooperativas de ahorro y crédito.
  • Cajas de compensación.
  • Instituciones que coloquen fondos de manera masiva (por ejemplo, empresas que otorgan créditos automotrices).
  • Emisores de tarjetas.
  • Otras entidades fiscalizadas por la CMF.

 

¿Ya podemos ocupar la portabilidad?

Aún no. La nueva ley comenzará a operar desde el 8 de septiembre, confirmó el ministro de Hacienda Ignacio Briones.  

 

¿Cómo funciona hoy el cambio de una institución financiera a otra?

Es el cliente quien debe realizar la totalidad de trámites y gestiones al momento de cambiar de proveedor financiero. Sin embargo, con la ley, será el nuevo proveedor quien realice la totalidad de las gestiones a nombre del cliente.

¿En qué me debo fijar si me quiere cambiar de banco?

  • Debe buscar mejores condiciones que las que tiene actualmente en su banco.
  • Comparar tasas, cobros de mantención asociados y también beneficios que puede obtener, por ejemplo, hay bancos que ofrecen costo cero de mantención.
  • Por otra parte, debe considerar que cada vez que pedimos un crédito, con las primeras cuotas se pagan prácticamente solo intereses y por lo tanto el capital, es decir, la suma originalmente otorgada por la institución financiera, disminuye solo marginalmente.

 

Cada vez que usted solicita un crédito por primera vez o lo refinancia con la misma o con otra institución financiera, aunque le ofrezcan mejores condiciones que las que actualmente le entrega la entidad con la que posee sus productos bancarios, las tablas de amortización vuelven a cero: en las primera cuotas pagará solo intereses.

Por esta razón, un punto a considerar a la hora de optar por la portabilidad financiera es que si bien ello puede significar una disminución en su carga financiera mensual o en la vida total del crédito, nuevamente pasarán otros cinco años pagando las cuotas mensuales sin amortizar el capital que originalmente le otorgó el banco.

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