Banks may repay debts through salary account only if you agree, as provided in a resolution issued recently by the Indecopi.
The agency recommended that the Superintendency of Banking and Insurance available to use special formats for the user to decide whether a lender can make savings on their remuneration (salary account) if you breach the payment of a debt.
The lawyer Ivo Gagliuffi, socio Loop, Romano & Gagliuffi Association, recalls that, before signing a credit agreement with a bank, you must read well the clauses to avoid surprises later. He says that this rule is aimed at people earning up S/.1, 800 a month.
“What we are trying to do with the resolution is to prevent financial failure, ultimately, may affect up interest rates,” he says.
The expert indicated that through the clearing system, the lender can charge 100% of the debt.
“If a person must S/.5, 000 and win S/.1, 600 per month, the bank can take the total salary to be charged if deemed necessary,” he explains.
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