Reactivación de la economía: Cámara despachó ley el Fogape 2.0

19 Enero 2021  13:54

La Cámara de Diputados aprobó las modificaciones planteadas por el Senado al proyecto Fogape 2.0, que busca potenciar la reactivación y recuperación económica, y los despachó al Ejecutivo para su promulgación como ley.

Los cambios fueron resueltos en un total de tres votaciones, mediante las cuales se ratificaron las enmiendas hechas al texto legal.

Durante el debate, que contó con la participación telemática del ministro de Hacienda, Ignacio Briones, el oficialismo respaldó el contenido de la normativa, en tanto que la oposición planteó visiones dispares respecto de los beneficios reales para pequeños y medianos empresarios, versus los beneficios para las grandes empresas y la banca.

Entre las enmiendas aprobadas se cuenta una que altera la tasa de interés para financiamientos que garantice el Fondo, cuando sean otorgados por instituciones que tengan acceso a financiamiento del Banco Central de Chile.

La Cámara planteó como límite la fijada por la política monetaria más un 4%, mientras que el Senado propuso que no fuera mayor a la tasa de política monetaria, más el equivalente anual de una tasa de 0,6% mensual.

Otro cambio fue la supresión de una norma que indicaba que, de verificarse reprogramaciones o repactaciones de los créditos garantizados por este Fondo, no podrá aplicarse en ellas una tasa de interés superior que aquella en virtud de la cual se otorgó el primer financiamiento con Garantía Covid-19.

Además, se amplía del 15 de diciembre al 15 de noviembre de 2020 la fecha en que podrá aplicarse de manera retroactiva una norma que permite ampliar el plazo de los financiamientos vigentes que hayan sido otorgados por instituciones financieras y garantizados por el Fondo

El proyecto busca incentivar la recuperación económica ampliando los beneficios y usos del Fondo de Garantía para Pequeños y Medianos Empresarios (Fogape) y ayudando a que las empresas puedan sortear la pandemia a través de créditos con garantía estatal, los cuales ahora podrán usarse para inversión y pago de deudas vigentes, además de capital de trabajo.

Entre sus principales disposiciones, el proyecto extiende hasta el 31 de diciembre de 2021 la ampliación transitoria vigente (de 100.000 UF a 1.000.000 UF), respecto del tope máximo de ventas netas anuales, establecido como requisito para permitir a los empresarios acceder a la garantía del Fondo, con lo cual se aumentó el rango de empresas que pueden beneficiarse con el Fogape.


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