Mejoran condiciones en Reactiva Perú
Author | Guillermo Ferrero |
Position | Socio de PPU, admitido para ejercer Derecho en Estados Unidos (Nueva York) y Perú |
Las empresas podrán pagar comisión de Cofide luego del periodo de gracia de 12 meses. Micro y pequeñas empresas estarán entre las más beneficiadas por esta medida.
Las condiciones para las empresas que accedan a créditos mediante el programa Reactiva Perú tendrán una ligera mejora, pues la comisión de garantía (de 0.5%) de Cofide podría ser pagada luego de los 12 meses de periodo de gracia, durante el cual los negocios no pagarán capital ni intereses.
El cambio se produjo debido a una resolución del Ministerio de Economía y Finanzas (MEF) publicada en la edición extraordinaria de El Peruano el miércoles 29 de abril.
Esta deja sin efecto la Resolución Ministerial (RM) 140 y modifica el Fideicomiso de Titulación y Comisión de Confianza de Reactiva Perú, explica Guillermo Ferrero, socio director de Philippi Prietocarrizosa Ferrero DU & Uría.
“Dentro de los ‘considerando’ de la resolución, se deja sin efecto la resolución ministerial 140. El propósito de esta (la nueva resolución) es aprobar el mismo sistema como ya existía, pero con una modificación, que la comisión de garantía que está siendo cobrada por Cofide de 0.5% anual se efectúe luego de haber concluido el periodo de gracia del crédito otorgado”, explica.
La medida, precisa Ferrero, beneficiará a todos, pero especialmente a las mypes porque “mientras menor escala de ventas tengan y menor sea el tamaño, más les va a costar tener que pagar hoy la comisión”.
Tenga en cuenta
Hasta el momento, el BCRP ha hecho cinco subastas de fondos de Reactiva Perú y ha dado paquetes de crédito por S/16,819 mllns. La tasa de interés promedio para empresas es de 1.09%.
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