Fondo Universitario de Protección

PROYECTO DE PRÉSTAMOS DE EMERGENCIA PLAN 2014

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 INTERÉS7.0% 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, segú 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



























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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


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