Circular
Cooperativas 159
Circular
Bancos 3576
Circular
Filiales 66
MINISTERIO DE HACIENDA
SUPERINTENDENCIA DE BANCOS E INSTITUCIONES FINANCIERAS
SUPERINTENDENCIA DE VALORES Y SEGUROS
NORMA DE CARÁCTER GENERAL
Recopilación de instrucciones SBIF
0
SUPERINTENDENCIA DE VALORES Y SEGUROS
NORMA DE CARÁCTER GENERAL
SUPERINTENDENCIA DE BANCOS E INSTITUCIONES FINANCIERAS: 379 05 FEB 2015
CIRCULAR
BANCOS N° 3.576
COOPERATIVAS N° 159
FILIALES N° 66
VISTOS: Lo dispuesto en el artículo 40 del D.F.L. N° 251, de 1931, y las facultades que confiere la ley a las Superintendencias de Valores y Seguros y de Bancos e Instituciones Financieras, se imparten las siguientes instrucciones de cumplimiento obligatorio para los bancos, cooperativas, agentes administradores de mutuos hipotecarios endosables, cajas de compensación de asignación familiar y cualquier otra entidad que tenga dentro de su giro otorgar créditos hipotecarios, en adelante entidades crediticias y a las Compañías de Seguros de Vida y de Seguros Generales, en adelante, la aseguradora o compañía de seguros, y Corredores de Seguros. Para los efectos de la presente norma, también serán consideradas entidades crediticias las sociedades inmobiliarias, respecto de los seguros que deban contratar en virtud de ios contratos de arrendamiento de vivienda con promesa de compraventa, celebrados en conformidad a lo dispuesto en la ley N° 19.281.
REF.: Modificaciones a la Norma de Carácter General SVS N° 330, Circular SBIF Bancos N° 3.530, Cooperativas N° 147 y Filiales N° 62 que regula la contratación individual y colectiva de seguros asociados a créditos hipotecarios, condiciones mínimas que deberán contemplar las bases de licitación de éstos e información que se deberá entregar a los deudores asegurados.
Estas Superintendencias, en uso de sus facultades legales, han estimado necesario modificar la Norma de Carácter General SVS N* 330 y las Circulares SBIF Bancos N° 3.530, Cooperativas N° 147 y Filiales N° 62, en los siguientes términos:
1. Se reemplaza el numeral 22. del Título Hl.2, por el siguiente:
"2. Podrán participar y adjudicarse la licitación, las compañías de seguros cuya menor clasificación de riesgo sea igual o superior a A-, según lo indicado en la NCG N° 62 o la que la reemplace. La compañía adjudicataria sólo podrá ceder los riesgos de estos contratos a reaseguradores cuya menor clasificación de riesgo sea igual o superior a la que se indica a continuación, según la nomenclatura de cada entidad internacional de clasificación de riesgos:
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71109^ARCHIVO 1
2. Se agrega el siguiente nuevo Título IV, pasando los actuales Títulos IV, V y VI a ser V, VI y Vil respectivamente:
"IV. Envío de información a las Superintendencias
El envío de toda la información y documentación requerida por esta norma a las Superintendencias, así como cualquier otra referida o relacionada al proceso de licitación, deberá hacerse acompañado de una carta conductora, en formato pdf. El citado envío a la Superintendencia de Valores y Seguros se hará a través del módulo SEIL -Sistema de Envío de Información en Línea- del sitio web www.svs.cl, opción "Licitaciones art. 40 DFL 251", conforme a las instrucciones establecidas en la Norma de Carácter General N° 314, o la que la reemplace. En tanto, el envío de información a la Superintendencia de Bancos e Instituciones Financieras se realizará por medio de la Extranet de este Organismo y en formato pdf "desprotegido", de modo que el usuario pueda copiar el documento o extractar partes de él sin alterar el original.".
3. Se reemplaza el literal j del numeral 2 de! actual Título V, que pasó a ser VI, por el siguiente:
"j. Uso del bien raíz a la fecha de otorgamiento del crédito (habitacional, comercial, otro)".
4. Se agregan las siguientes modificaciones a las disposiciones transitorias del actual T�tulo VI, que pasó a ser VII:
a) En el cuarto párrafo, a continuación de la expresión "periódicamente" se reemplaza la palabra "o" por y.
b) En el cuarto párrafo, a continuación de la expresión "un plazo de" se reemplaza la palabra "tres" por "cuatro".
c) Se reemplaza el literal e del número 1, por el siguiente:
"e. Uso del bien raíz a la fecha de otorgamiento del crédito (habitacional, comercial, otro)".
5. Vigencia: La presente norma entrará en vigencia a partir de esta fecha, con excepción de lo indicado en el numeral 2, cuya vigencia es a partir del 01/04/2015.
OSVALDO MACÍAS MUÑOZ
Superintendente de Valores y
Seguros (S)
ERIC PARRADO HERRERA
Superintendente de Bancos e
Instituciones Financieras