{"id":4416,"date":"2016-09-22T16:14:59","date_gmt":"2016-09-22T21:14:59","guid":{"rendered":"http:\/\/www.webcotecnova.site\/?page_id=4416"},"modified":"2025-06-26T18:01:54","modified_gmt":"2025-06-26T23:01:54","slug":"creditos-financieros","status":"publish","type":"page","link":"https:\/\/cotecnova.edu.co\/index.php\/creditos-financieros\/","title":{"rendered":"Cr\u00e9ditos Financieros"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-tpujgw-99aa6b9a21a5968a69bd215108eb6e22\">\n.avia-section.av-tpujgw-99aa6b9a21a5968a69bd215108eb6e22{\nbackground-color:#005c2a;\nbackground-image:unset;\n}\n.avia-section.av-tpujgw-99aa6b9a21a5968a69bd215108eb6e22 .av-extra-border-element .av-extra-border-inner{\nbackground-color:#005c2a;\n}\n<\/style>\n<div id='av_section_1'  class='avia-section av-tpujgw-99aa6b9a21a5968a69bd215108eb6e22 main_color avia-section-small avia-shadow  avia-builder-el-0  el_before_av_one_third  avia-builder-el-first 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data-created_by=\"avia_inline_auto\" id=\"style-css-av-5ahqeo-c926d45cdc10b673421a8cdec94cd66a\">\n.flex_column.av-5ahqeo-c926d45cdc10b673421a8cdec94cd66a{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-5ahqeo-c926d45cdc10b673421a8cdec94cd66a av_one_third  avia-builder-el-11  el_after_av_section  el_before_av_two_third  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-m7dquiqp-ea4aa99bbee09a4e618174063aa9550d\">\n.avia-video.av-m7dquiqp-ea4aa99bbee09a4e618174063aa9550d{\npadding-bottom:178%;\n}\n<\/style>\n<div  class='avia-video av-m7dquiqp-ea4aa99bbee09a4e618174063aa9550d avia-video-custom av-no-preview-image avia-video-load-always avia-video-html5'  itemprop=\"video\" itemtype=\"https:\/\/schema.org\/VideoObject\"  data-original_url='http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/02\/Creditos-Cotecnova_1.mp4'><video class='avia_video'    preload=\"auto\"  controls id='player_4416_2064246948_382514112'><source src='http:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/02\/Creditos-Cotecnova_1.mp4' type='video\/mp4' \/><\/video><\/div><\/div>\n\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-h7isg-5b3cc7e4c9b8d6d55502c2bbb36759d3\">\n.flex_column.av-h7isg-5b3cc7e4c9b8d6d55502c2bbb36759d3{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-h7isg-5b3cc7e4c9b8d6d55502c2bbb36759d3 av_two_third  avia-builder-el-13  el_after_av_one_third  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><div  class='tabcontainer av-9j1mqo-3d461e344a8046c10ea19c44c32e1890 top_tab  avia-builder-el-14  avia-builder-el-no-sibling '>\n<section class='av_tab_section av_tab_section av-20uwpc-8de097c52bfd11feb094c6a5fea80f96'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-1-tab' class='tab active_tab' role='tab' aria-selected=\"true\" tabindex=\"0\" data-fake-id='#tab-id-1' aria-controls='tab-id-1-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-entypo-fontello' data-av_icon='\ue84d' data-av_iconfont='entypo-fontello' ><\/span>Cr\u00e9dito Financiero<\/div><div id='tab-id-1-content' class='tab_content active_tab_content' role='tabpanel' aria-labelledby='tab-id-1-tab' aria-hidden=\"false\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p><strong>CONDICIONES DE CR\u00c9DITO<\/strong><\/p>\n<ul>\n<li>Cuotas fijas mensuales m\u00e1ximo 5.<\/li>\n<li>Tasa de inter\u00e9s que maneja el mercado.<\/li>\n<li>La persona que solicita el cr\u00e9dito debe con ESTABILIDAD LABORAL MINIMO DE UN (1) A\u00d1O.<\/li>\n<li>NO debe estar reportado negativamente en Centrales de Riesgo (DEUDOR).<\/li>\n<li>Edad entre 21 y 65 a\u00f1os (DEUDOR).<\/li>\n<\/ul>\n<p><strong>REQUISITOS PARA SOLICITUD DE CR\u00c9DITO<\/strong><strong>\u00a0<\/strong><\/p>\n<p><strong>DEUDOR SOLIDARIO<\/strong><\/p>\n<ul>\n<li>Soportes laborales.<\/li>\n<li>Empleado: Carta laboral o desprendibles de pago (\u00faltimos 3 meses).<\/li>\n<li>Independiente: Certificado de Ingresos expedido por un contador p\u00fablico y soportes adicionales que soporten los ingresos.<\/li>\n<li>Pensionado: Fotocopia resoluci\u00f3n de pensi\u00f3n o desprendibles de pago (\u00faltimos 3 meses).<\/li>\n<li>Fotocopia documento de Identidad.<\/li>\n<\/ul>\n<p><strong>ESTUDIANTE<\/strong><\/p>\n<ul>\n<li>Fotocopia documento de identidad.<\/li>\n<li>Pagar cuota inicial equivalente al 20% del valor de la matr\u00edcula.<\/li>\n<li>Pagar el estudio de cr\u00e9dito.<\/li>\n<li>Diligenciar y firmar formulario de solicitud de cr\u00e9dito (Deudor y Estudiante).<\/li>\n<\/ul>\n<p><strong>RECOMENDACIONES<\/strong><\/p>\n<ul>\n<li>Se podr\u00e1 exigir la presentaci\u00f3n de cualquier otro documento que se considere necesario para la aprobaci\u00f3n del cr\u00e9dito.<\/li>\n<li>Descargue aqu\u00ed el formulario de solicitud de cr\u00e9dito <a href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2024\/06\/Formulario_solicitud_credito_V4_.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2024\/06\/Formulario_solicitud_credito_V4_.pdf<\/a>.<\/li>\n<li>Descargue aqu\u00ed el formulario de autorizaci\u00f3n y declaraciones <a href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/06\/Autorizaciones_y_declaraciones_V7.pdf\" target=\"_blank\" rel=\"noopener\">https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/06\/Autorizaciones_y_declaraciones_V7.pdf<\/a>.<\/li>\n<li>Para generar el recibo de pago ingrese al siguiente enlace <a href=\"http:\/\/www.recibo.appcotecnova.es\/\">www.recibo.appcotecnova.es<\/a> y cancele en los bancos autorizados o por el bot\u00f3n de pagos <strong>PSE.<\/strong><\/li>\n<li>Formularios con informaci\u00f3n y documentaci\u00f3n incompleta no ser\u00e1 recibidos.<\/li>\n<li>Si las cuotas de los cr\u00e9ditos <strong><em>NO<\/em> se cancelan en los cinco primeros d\u00edas, en coherencia con la fecha estipulada en el formulario de solicitud de cr\u00e9dito<\/strong>, se debe pagar el 10% de sanci\u00f3n sobre el valor de cada cuota (M\u00e1xima Tasa Legal Vigente).<\/li>\n<li>Si hay <strong><em>DESERCI\u00d3N<\/em><\/strong> <strong>del estudiante , pasadas dos semanas de clase, se debe cancelar la totalidad de cr\u00e9dito pactado (Art. 7 Numeral 3 del Reglamento Interno de Cr\u00e9dito, Cartera y Cobranza)<\/strong>.<\/li>\n<\/ul>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-4puukw-ba0dac6e90a94c00ed83725273f1e3b3'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-2-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-2' aria-controls='tab-id-2-content'  itemprop=\"headline\" ><span class='tab_icon avia-iconfont avia-font-fontello' data-av_icon='\uee74' data-av_iconfont='fontello' ><\/span>Reglamento de Cr\u00e9dito<\/div><div id='tab-id-2-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-2-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>Conoce el Reglamento Interno de Cr\u00e9dito, Cartera y Cobranza.<\/p>\n<p><a href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/02\/Acuerdo-N\u00b0-007-Actualizacion-Reglamento-Interno-de-credito-cartera-y-.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">Reglamento Cr\u00e9dito Interno<\/a><\/p>\n<\/div><\/div><\/section>\n<section class='av_tab_section av_tab_section av-38wzgw-c7ecc583cd14e209f97c9718475be800'  itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/CreativeWork\" ><div id='tab-id-3-tab' class='tab' role='tab' aria-selected=\"false\" tabindex=\"0\" data-fake-id='#tab-id-3' aria-controls='tab-id-3-content'  itemprop=\"headline\" >Tasas de Inter\u00e9s<\/div><div id='tab-id-3-content' class='tab_content' role='tabpanel' aria-labelledby='tab-id-3-tab' aria-hidden=\"true\"><div class='tab_inner_content invers-color'  itemprop=\"text\" ><p>Conoce las tasas de interes de COTECNOVA para los cr\u00e9ditos internos.<\/p>\n<p><a href=\"https:\/\/cotecnova.edu.co\/wp-content\/uploads\/2025\/02\/Acuerdo-008-2024-POR-EL-CUAL-SE-ESTABLECE-LA-TASA-DE-INTERES-PARA-CRED.pdf\" target=\"_blank\" rel=\"noopener\">Tasas de Inter\u00e9s<\/a><\/p>\n<\/div><\/div><\/section>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-4416","page","type-page","status-publish","hentry"],"nelio_popups_active_popup":"","_links":{"self":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/4416","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/comments?post=4416"}],"version-history":[{"count":33,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/4416\/revisions"}],"predecessor-version":[{"id":15454,"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/pages\/4416\/revisions\/15454"}],"wp:attachment":[{"href":"https:\/\/cotecnova.edu.co\/index.php\/wp-json\/wp\/v2\/media?parent=4416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}