{"id":3223,"date":"2020-10-27T22:43:46","date_gmt":"2020-10-27T22:43:46","guid":{"rendered":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/?page_id=3223"},"modified":"2024-09-19T08:13:54","modified_gmt":"2024-09-19T14:13:54","slug":"fideicomisos-de-garantia","status":"publish","type":"page","link":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/fideicomisos-de-garantia\/","title":{"rendered":"Fideicomisos de garant\u00eda"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeInDown&#8221; overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1605135908324{margin-top: -70px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;section1imgprod&#8221;][vc_column overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1605135939857{margin-top: -60px !important;}&#8221;]\n\t\t\t\t<p class=\"rs-p-wp-fix\"><\/p>\n\t\t\t\t<sr7-module data-alias=\"fideicomisos-de-inversion-1\" data-id=\"202\" id=\"SR7_202_1\" class=\"rs-ov-hidden\" data-version=\"6.7.52\">\n\t\t\t\t\t<sr7-adjuster><\/sr7-adjuster>\n\t\t\t\t\t<sr7-content>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_202_1-143\" data-key=\"143\">\n\t\t\t\t\t\t\t<sr7-bg id=\"SR7_202_1-143-5\" class=\"sr7-layer\"><noscript><img decoding=\"async\" src=\"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-content\/uploads\/2020\/07\/GARANTIA.jpg\" alt=\"\" title=\"GARANTIA\"><\/noscript><\/sr7-bg>\n\t\t\t\t\t\t\t<h1 id=\"SR7_202_1-143-4\" class=\"sr7-layer\">Fideicomisos <br \/>\n<strong>de garant\u00eda<\/strong><\/h1>\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t\t<sr7-slide id=\"SR7_202_1-1019\" data-key=\"1019\">\n\t\t\t\t\t\t<\/sr7-slide>\n\t\t\t\t\t<\/sr7-content>\n\t\t\t\t\t<image_lists style=\"display:none\">\n\t\t\t\t\t\t<img data-src=\"\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-content\/uploads\/2020\/07\/GARANTIA.jpg\" data-libid=\"4682\" data-lib=\"medialibrary\" title=\"GARANTIA\" width=\"0\" height=\"0\" data-dbsrc=\"Ly93d3cuY29ycG9yYWNpb25iaS5jb20vZ3QvYmFuY29pbmR1c3RyaWFsL3dwLWNvbnRlbnQvdXBsb2Fkcy8yMDIwLzA3L0dBUkFOVElBLmpwZw==\"\/>\n\t\t\t\t\t<\/image_lists>\n\t\t\t\t<\/sr7-module>\n\t\t\t\t<script>\n\t\t\t\t\twindow.SR7 ??={};SR7.PMH ??={}; SR7.PMH[\"SR7_202_1\"] = {cn:100,state:false,fn: function() { if (window._tpt!==undefined && window._tpt.prepareModuleHeight !== undefined) {  _tpt.prepareModuleHeight({id:\"SR7_202_1\",el:[750,750,549,449,449],type:'standard',shdw:'0',gh:[750,750,550,450,450],gw:[2500,2500,1024,778,480],vpt:['-200px&#039;,&#039;-200px&#039;,&#039;-200px&#039;,&#039;-200px&#039;,&#039;-200px'],size:{fullWidth:true, fullHeight:false},mh:'0',onh:0,onw:0,bg:{color:'{\"orig\":\"transparent\",\"type\":\"solid\",\"string\":\"transparent\"}'},plType:'0',plColor:'#FFFFFF'});   SR7.PMH[\"SR7_202_1\"].state=true;} else if(SR7.PMH[\"SR7_202_1\"].cn-->0)\tsetTimeout( SR7.PMH[\"SR7_202_1\"].fn,19);}};SR7.PMH[\"SR7_202_1\" ].fn();\n\t\t\t\t<\/script>\n[\/vc_column][\/vc_row][vc_section css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1597515477500{margin-top: 50px !important;}&#8221; el_class=&#8221;section2prod&#8221;][vc_row][vc_column overflow=&#8221;default&#8221; el_class=&#8221;section2textprod&#8221;][vc_column_text el_class=&#8221;textblockproducto&#8221;]<span style=\"font-weight: 400;\">Es un contrato mediante el cual el fideicomitente transmite bienes, derechos y\/o efectivo a un fideicomiso, afectados a garantizar una obligaci\u00f3n crediticia contra\u00edda por un deudor. En caso de incumplimiento, el fiduciario proceder\u00e1 a realizar los bienes que conforman el patrimonio mediante p\u00fablica subasta notarial y con el fruto de la venta cancelar\u00e1 el cr\u00e9dito. Si hubiera remanente, \u00e9ste ser\u00e1 devuelto al fideicomitente. En caso de cumplimiento de la obligaci\u00f3n crediticia, el fiduciario proceder\u00e1 a devolver el patrimonio al fideicomitente.<\/span>[\/vc_column_text][\/vc_column][\/vc_row][\/vc_section][vc_section css_animation=&#8221;fadeInDown&#8221;][vc_row overflow=&#8221;default&#8221;][vc_column]\r\n\r\n\t<div class=\"sh-heading sh-heading-style1\" id=\"heading-1DePsMbjN7\">\r\n\t\t<h2 class=\"sh-heading-content titulo_underline size-default\">\r\n\t\t\t<\/span>\n<span style=\"text-align: left;\">Beneficios<\/span>\n<span>\t\t<\/h2>\r\n\t<\/div>\r\n\r\n            <style type=\"text\/css\">\r\n                #heading-1DePsMbjN7 .sh-heading-content {font-weight: 400!important;}            <\/style>\r\n        \r\n\r\n\t<div class=\"sh-heading sh-heading-style1\" id=\"heading-oxwGS9emTH\">\r\n\t\t<h5 class=\"sh-heading-content titulo_underline size-default\">\r\n\t\t\t<\/span>\n<span style=\"text-align: left;\">Para el deudor:<\/span>\n<span>\t\t<\/h5>\r\n\t<\/div>\r\n\r\n            <style type=\"text\/css\">\r\n                #heading-oxwGS9emTH {margin: 15px 0px 15px 0px;}#heading-oxwGS9emTH .sh-heading-content {font-weight: 400!important;}            <\/style>\r\n        [\/vc_column][\/vc_row][\/vc_section][vc_section css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1597515512342{padding-top: 15px !important;padding-bottom: 50px !important;}&#8221; el_class=&#8221;section3prod&#8221;][vc_row overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicon&#8221;][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-0b65c57081da  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-equipo  biw-icon-0b65c57081da \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-0b65c57081da \">Los acreedores se encuentran garantizados en primer grado (a diferencia de una hipoteca)<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-c8b4268aa8d0  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-indicacionflecha-dosdirecciones  biw-icon-c8b4268aa8d0 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-c8b4268aa8d0 \">Puede haber cambio de acreedores sin sustituir la garant\u00eda<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-b5b94a3a5d5c  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-documento  biw-icon-b5b94a3a5d5c \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-b5b94a3a5d5c \">La constituci\u00f3n del fideicomiso es independiente del proceso de otorgamiento del cr\u00e9dito<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-50899e96c9d2  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-edificio  biw-icon-50899e96c9d2 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-50899e96c9d2 \">Se considera como una estructura legal s\u00f3lida de garant\u00eda frente a las entidades financieras<\/div><\/div><\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_empty_space][\/vc_column][\/vc_row][vc_row overflow=&#8221;default&#8221;][vc_column]\r\n\r\n\t<div class=\"sh-heading sh-heading-style1\" id=\"heading-U0osFc1Xi3\">\r\n\t\t<h5 class=\"sh-heading-content titulo_underline size-default\">\r\n\t\t\t<\/span>\n<span style=\"text-align: left;\">Para el acreedor:<\/span>\n<span>\t\t<\/h5>\r\n\t<\/div>\r\n\r\n            <style type=\"text\/css\">\r\n                #heading-U0osFc1Xi3 {margin: 15px 0px 15px 0px;}#heading-U0osFc1Xi3 .sh-heading-content {font-weight: 400!important;}            <\/style>\r\n        [\/vc_column][\/vc_row][vc_row overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicon&#8221;][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-91786f8377ac  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-aceptar-circulo  biw-icon-91786f8377ac \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-91786f8377ac \">Es una garant\u00eda admisible de acuerdo con las normas de la Superintendencia Bancaria<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-f83bb8b22bd9  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-usuario  biw-icon-f83bb8b22bd9 \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-f83bb8b22bd9 \">La administraci\u00f3n de la garant\u00eda se lleva a cabo por parte del Fiduciario (BI o FISA)<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-d20197f0c58b  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-lista  biw-icon-d20197f0c58b \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-d20197f0c58b \">El proceso de ejecuci\u00f3n de garant\u00eda es m\u00e1s \u00e1gil en evento de incumplimiento<\/div><\/div><\/div>[\/vc_column][vc_column width=&#8221;1\/5&#8243; overflow=&#8221;default&#8221; el_class=&#8221;beneficiosicion&#8221;]<div class=\"bi-icons-widget  biw-e4d4769cba2c  \" style=\"text-align:center; display:flex; flex-direction:column; align-items:center; justify-content:flex-start; width:100%;\"><div class=\"bi-icons-w-icon_container \" style=\"line-height: normal;\"><span class=\"bi-icons bi-icons-aceptar-circulo  biw-icon-e4d4769cba2c \"><\/span><\/div><div class=\"bi-icons-w-container_text\"><div class=\"bi-icons-w-text   biw-text-e4d4769cba2c \">Se pueden estipular instrucciones espec\u00edficas de mutuo acuerdo entre las partes<\/div><\/div><\/div>[\/vc_column][\/vc_row][\/vc_section][vc_section css_animation=&#8221;fadeInDown&#8221; el_class=&#8221;section4prod&#8221;][vc_row overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1597116282232{padding-bottom: 50px !important;}&#8221;][vc_column]\r\n<div id=\"tabs-loSWdYt5fO\" class=\"sh-tabs sh-tabs-style1\">\r\n\t<!-- Tabs -->\r\n\t<ul class=\"nav nav-tabs sh-tabs-filter sh-noselect\" role=\"tablist\">\r\n\t\t\t\t\t\t\t\t\t<li role=\"presentation\" class=\" active\">\r\n\t\t\t\t\t<a href=\"#tab-loSWdYt5fO-1\" role=\"tab\" data-toggle=\"tab\">\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\tRequisitos\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t<li role=\"presentation\" class=\"\">\r\n\t\t\t\t\t<a href=\"#tab-loSWdYt5fO-2\" role=\"tab\" data-toggle=\"tab\">\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\tCaracter\u00edsticas\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t<li role=\"presentation\" class=\"\">\r\n\t\t\t\t\t<a href=\"#tab-loSWdYt5fO-3\" role=\"tab\" data-toggle=\"tab\">\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\tPol\u00edticas\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t<\/li>\r\n\t\t\t\t\t\t\t<li role=\"presentation\" class=\"\">\r\n\t\t\t\t\t<a href=\"#tab-loSWdYt5fO-4\" role=\"tab\" data-toggle=\"tab\">\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\tCONTACTO\r\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\r\n\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<\/ul>\r\n\r\n\t<!-- Content -->\r\n\t<div class=\"tab-content\">\r\n\t\t\t\t\t\t\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade in active\" id=\"tab-loSWdYt5fO-1\">\r\n\t\t\t\t\t1. Hacer una solicitud formal dirigida al Jefe de la Banca Fiduciaria de Banco Industrial, S.A. o Financiera Industrial.\n<br>\n2. Llenar el formulario IVE que corresponda.<br>\n3. Entregar documentos que hagan constar que el patrimonio que se est\u00e1 aportando pertenece al cliente.\n<br>\n4. Entregar aval\u00fao de los bienes a aportar, realizado por los valuadores autorizados.\n<br>\n5. Entregar aval\u00fao de los bienes a aportar, realizado por los valuadores autorizados.\n<br>\n6. DPI\n<br>\n7. Carn\u00e9 de NIT\n<br>\n8. Si la persona individual es comerciante (patentes de comercio).\n<br>\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade\" id=\"tab-loSWdYt5fO-2\">\r\n\t\t\t\t\t1. Contrato mercantil.<br>\n2. Debe constar en Escritura P\u00fablica.<br>\n3. Basado en el C\u00f3digo de Comercio (Art\u00edculos 766 al 793).<br>\n4. Su plazo m\u00e1ximo legal es de 25 a\u00f1os.<br>\n5. Su fin debe ser l\u00edcito y determinado.<br>\n6. Afecta el patrimonio de una persona.<br>\n7. El patrimonio a transmitirse debe estar libre de gravamen.<br>\n8. La informaci\u00f3n que se maneja es confidencial.<br>\n9. Consiste en alcanzar el fin deseado, cumplir con todas las obligaciones estipuladas en cada cl\u00e1usula del instrumento contractual como se convinieron.<br>\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade\" id=\"tab-loSWdYt5fO-3\">\r\n\t\t\t\t\t- La constituci\u00f3n, administraci\u00f3n y gesti\u00f3n de un fideicomiso est\u00e1 sujeta a las pol\u00edticas y reglamentos internos aprobados.<br>\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t<div role=\"tabpanel\" class=\"tab-pane fade\" id=\"tab-loSWdYt5fO-4\">\r\n\t\t\t\t\t<strong>Tel\u00e9fono<\/strong> <br>\nPBX: 2420-3000 o al 1717 extensiones 35460 y 35451.\n <br> <br>\n<strong>Direcci\u00f3n <br><\/strong>\nBanca Fiduciaria: V\u00eda 5, 5-35 zona 4 centro financiero, torre 3 nivel 10.\n\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n<\/div>\r\n            <style type=\"text\/css\">\r\n                #tabs-loSWdYt5fO .sh-tabs-filter li:not(.active) a,#tabs-loSWdYt5fO .tab-pane {color: #606060!important;}#tabs-loSWdYt5fO .sh-tabs-filter li.active a,#tabs-loSWdYt5fO .sh-tabs-filter li:hover a {color: #001c71!important;}#tabs-loSWdYt5fO .sh-tabs-filter li.active a {border-bottom-color: #001c71!important;}#tabs-loSWdYt5fO .sh-tabs-filter li a:after {background-color: #001c71!important;}            <\/style>\r\n        [\/vc_column][\/vc_row][\/vc_section]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; css_animation=&#8221;fadeInDown&#8221; overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1605135908324{margin-top: -70px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_class=&#8221;section1imgprod&#8221;][vc_column overflow=&#8221;default&#8221; css=&#8221;.vc_custom_1605135939857{margin-top: -60px !important;}&#8221;] Fideicomisos de garant\u00eda [\/vc_column][\/vc_row][vc_section css_animation=&#8221;fadeInDown&#8221; css=&#8221;.vc_custom_1597515477500{margin-top: 50px !important;}&#8221; el_class=&#8221;section2prod&#8221;][vc_row][vc_column overflow=&#8221;default&#8221; el_class=&#8221;section2textprod&#8221;][vc_column_text el_class=&#8221;textblockproducto&#8221;]Es un contrato mediante el cual el fideicomitente transmite bienes, derechos y\/o efectivo a un fideicomiso,&#8230;<\/p>\n","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"wf_page_folders":[108],"class_list":["post-3223","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/pages\/3223","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/comments?post=3223"}],"version-history":[{"count":3,"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/pages\/3223\/revisions"}],"predecessor-version":[{"id":67190,"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/pages\/3223\/revisions\/67190"}],"wp:attachment":[{"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/media?parent=3223"}],"wp:term":[{"taxonomy":"wf_page_folders","embeddable":true,"href":"https:\/\/www.corporacionbi.com\/gt\/bancoindustrial\/wp-json\/wp\/v2\/wf_page_folders?post=3223"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}