00:00What can banks do for the victims?
00:03We have an unprecedented program, unprecedented,
00:07because we have aid programs that are grace periods,
00:11which can last up to a year.
00:13The last thing a person needs when they are in the middle of a tragedy
00:17It is when he receives the bill for the monthly collection of his financial obligations.
00:22How about someone with their house half-destroyed in the middle of an earthquake?
00:26And what if the mortgage arrives?
00:27This is not the time to think about that.
00:29Therefore, case by case, because there are credit card customers,
00:33There are housing clients with mortgage loans,
00:36Others have leasing, others have trade credit,
00:38according to each client, according to their type of relationship with the bank
00:42and at the level of impact, case by case, bank by bank,
00:46We're going to have grace periods.
00:48When the impact is very high, that grace period can be up to a year.
00:53So, a year in which he is charged absolutely nothing.
00:56One.
00:57Second, during that year that we are in a grace period,
01:00The interest is not being capitalized to be collected later.
01:05In other words, that money must continue to be paid to savers during that year.
01:09And who is responsible for that interest rate?
01:12The banks will cover that interest rate.
01:15In other words, during the grace periods, we will waive the interest rate.
01:21This has not happened in previous emergencies.
01:23That's unprecedented.
01:24Not only during the grace period, but also through the waiver of fees,
01:27which is a very important support for the pockets of Colombians.
01:31Of course, it makes no sense for a person who enters the context of an emergency to...
01:36Your credit rating may be downgraded.
01:39Someone cannot end up in credit bureaus, cannot end up reported to TransUnion.
01:43because in the middle of an emergency, in the middle of an earthquake, he was unable to pay a loan on time.
01:48Therefore, there is no deterioration in the risk rating of the victims.
01:53for being included in this relief package.
01:56And it goes without saying, but it is important to point out that there will be no legal or pre-legal fees.
02:18Thanks for watching the video.
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