{"id":37856,"date":"2025-06-09T08:40:25","date_gmt":"2025-06-09T13:40:25","guid":{"rendered":"https:\/\/www.sucre.net\/?p=37856"},"modified":"2025-06-09T08:40:25","modified_gmt":"2025-06-09T13:40:25","slug":"conflicto-interes-preferencial-hipotecario-panama","status":"publish","type":"post","link":"https:\/\/www.sucre.net\/en\/conflicto-interes-preferencial-hipotecario-panama\/","title":{"rendered":"\u00bfCu\u00e1l es el conflicto con el nuevo r\u00e9gimen de intereses preferenciales?"},"content":{"rendered":"<p id=\"ember1670\" class=\"ember-view reader-text-block__paragraph\">La Ley No. 468 de 24 de abril de 2025 que establece un nuevo r\u00e9gimen de intereses preferenciales en ciertos pr\u00e9stamos hipotecarios lleva solo unos cuantos meses de promulgadas y voces del sector p\u00fablico y privado ya est\u00e1n solicitando su modificaci\u00f3n. Este r\u00e9gimen busca subsidiar la tasa de inter\u00e9s para pr\u00e9stamos hipotecarios destinados a la compra de viviendas nuevas con un valor menor a los B\/.120,000. El conflicto con esta nueva norma radica principalmente en un controversial art\u00edculo que fue agregado durante su proceso de aprobaci\u00f3n en la Asamblea Nacional, el cual indica lo siguiente:<\/p>\r\n<p id=\"ember1671\" class=\"ember-view reader-text-block__paragraph\"><em>\u201cArt\u00edculo 12. Entre seis y doce meses antes de que finalice el subsidio otorgado bajo el r\u00e9gimen de inter\u00e9s preferencial, el banco que haya otorgado el pr\u00e9stamo deber\u00e1 realizar una evaluaci\u00f3n de la situaci\u00f3n financiera del beneficiario, con el prop\u00f3sito de anticipar su capacidad real para continuar cumpliendo con los pagos una vez que comience a regir la tasa de inter\u00e9s comercial.\u201d<\/em><\/p>\r\n<p id=\"ember1672\" class=\"ember-view reader-text-block__paragraph\">La implicaci\u00f3n de esta norma es obligar al banco a realizar una evaluaci\u00f3n del cr\u00e9dito otorgado bajo el subsidio de inter\u00e9s preferencial para asegurar que el pr\u00e9stamo otorgado para la vivienda familiar del deudor \u201c<em>no se convierta en una carga insostenible<\/em>\u201d.<\/p>\r\n\r\n<h3 id=\"ember1673\" class=\"ember-view reader-text-block__heading-3\">\u00bfY que ocurre entonces si el banco determina que el deudor no podr\u00e1 pagar el pr\u00e9stamo sin la tasa de inter\u00e9s preferencial? El Art\u00edculo establece las siguientes alternativas para el banco:<\/h3>\r\n<ol>\r\n \t<li><em>Extender el plazo del pr\u00e9stamo<\/em><\/li>\r\n \t<li><em>Ajustar los t\u00e9rminos del inter\u00e9s dentro de los m\u00e1rgenes permitidos o<\/em><\/li>\r\n \t<li><em> Reestructurar las condiciones de pago.<\/em><\/li>\r\n<\/ol>\r\n<p id=\"ember1675\" class=\"ember-view reader-text-block__paragraph\">Esta situaci\u00f3n produce entonces una obligaci\u00f3n adicional para el banco al tener que modificar los t\u00e9rminos del pr\u00e9stamo otorgado para asegurar que el deudor no termine en un incumplimiento. Sobre este tema el sector bancario y el sector inmobiliario se han pronunciado indicando que esta obligaci\u00f3n constituye una carga que desincentiva el otorgamiento de este tipo de pr\u00e9stamos para viviendas nuevas, creando limitaciones adicionales para la aprobaci\u00f3n de los cr\u00e9ditos, lo cual dejar\u00eda sin efecto los beneficios del r\u00e9gimen de inter\u00e9s preferencial.<\/p>\r\n<p id=\"ember1676\" class=\"ember-view reader-text-block__paragraph\">Otro punto contencioso es el hecho de que exist\u00edan pr\u00e9stamos en proceso bajo la ley anterior, la Ley No. 3 de 1985, que qued\u00f3 subrogada por la Ley No. 468. La subrogaci\u00f3n de la norma anterior pone en peligro aquellos pr\u00e9stamos ya aprobados por los bancos que estaban en proceso de ser formalizados, en detrimento de los consumidores.<\/p>\r\n<p id=\"ember1677\" class=\"ember-view reader-text-block__paragraph\">Por estas razones, el Consejo de Gabinete ha procedido a solicitar a la Asamblea Nacional se suspenda los efectos de esta Ley y se discuta su modificaci\u00f3n.<\/p>\r\n<p id=\"ember1678\" class=\"ember-view reader-text-block__paragraph\"><a href=\"https:\/\/www.sucre.net\/en\/contact\/\">En SUCRE ARIAS RYES contamos con la experiencia y calidad de servicio para poder atender sus requerimientos legales inmobiliarios, ya sea para el desarrollo de alg\u00fan proyecto de inversi\u00f3n o para la compra de su pr\u00f3xima vivienda.<\/a><\/p>\r\n\r\n<div class=\"wp-block-spacer sc_height_medium\" style=\"height: 100px;\" aria-hidden=\"true\"><\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\r\n\r\n\r\n<div class=\"wp-block-columns is-not-stacked-on-mobile post-autor-combo has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color: #ffffff;\">\r\n\r\n\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis: 15%;\">\r\n\r\n\r\n<figure class=\"wp-block-image size-medium is-style-default\"><img fetchpriority=\"high\" decoding=\"async\" width=\"260\" height=\"300\" class=\"wp-image-34400\" src=\"https:\/\/sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-260x300.jpg\" alt=\"\" srcset=\"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-260x300.jpg 260w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-887x1024.jpg 887w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-768x887.jpg 768w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-370x427.jpg 370w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-840x970.jpg 840w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-410x474.jpg 410w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez-600x693.jpg 600w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Andres-Castro-Hernandez.jpg 1000w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure>\r\n\r\n\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis: 85%;\">\r\n\r\n\r\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-26d6eb133d9af1aedf8b8f6bc5c70ec2\" style=\"color: #333333;\">Authorship: <strong>ANDRES CASTRO<\/strong><\/h3>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons has-custom-font-size has-small-font-size is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fdcfc74e wp-block-buttons-is-layout-flex\">\r\n\r\n\r\n<div class=\"wp-block-button has-custom-font-size has-small-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/en\/team\/andres-castro\/\">PROFILE<\/a><\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-button has-custom-font-size is-style-outline has-small-font-size is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.sucre.net\/en\/tag\/andres-castro\/\">CONTENTS<\/a><\/div>\r\n\r\n\r\n<\/div>\r\n\r\n\r\n<\/div>\r\n\r\n\r\n<\/div>\r\n\r\n\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>La Ley No. 468 de 24 de abril de 2025 que establece un nuevo r\u00e9gimen de intereses preferenciales en ciertos pr\u00e9stamos hipotecarios lleva solo unos cuantos meses de promulgadas y&hellip;<\/p>","protected":false},"author":3,"featured_media":37857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[297],"tags":[330,378,390],"class_list":["post-37856","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-andres-castro","tag-asesoria-legal","tag-servicios-legales-en-ciudad-de-panama"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conflicto por inter\u00e9s preferencial hipotecario en Panam\u00e1<\/title>\n<meta name=\"description\" content=\"El conflicto por inter\u00e9s preferencial hipotecario en Panam\u00e1 genera incertidumbre en bancos y compradores tras la aprobaci\u00f3n de una nueva ley\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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