{"id":36102,"date":"2025-06-06T12:11:38","date_gmt":"2025-06-06T15:11:38","guid":{"rendered":"https:\/\/alprestamo.com\/blog\/?p=36102"},"modified":"2025-06-06T12:13:01","modified_gmt":"2025-06-06T15:13:01","slug":"en-que-consiste-el-credito-del-gobierno-de-hasta-4-millones","status":"publish","type":"post","link":"https:\/\/alprestamo.com\/blog\/en-que-consiste-el-credito-del-gobierno-de-hasta-4-millones\/","title":{"rendered":"En qu\u00e9 consiste el cr\u00e9dito del Gobierno de hasta $4 millones"},"content":{"rendered":"\n<p>En Colombia se ha popularizado una forma de pr\u00e9stamos llamados \u201c<strong>gota a gota<\/strong>\u201d, que si bien se presenta como una soluci\u00f3n r\u00e1pida y sencilla para saldar deudas (no exige documentaci\u00f3n), lo cierto es que este tipo de financiaci\u00f3n es ilegal y los cobros son excesivos, adem\u00e1s de recurrir a hechos violentos para exigir el pago.&nbsp;En este sentido, y para combatir estas pr\u00e1cticas, el <strong>Gobierno lanz\u00f3 un cr\u00e9dito blando llamado<\/strong> <strong>Programa Creo<\/strong> <strong>(Cr\u00e9dito para la Econom\u00eda Popular Comunitaria)<\/strong>, que consiste en una l\u00ednea de financiamiento de hasta $4 millones, asequibles para los ciudadanos colombianos<strong>.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Objetivo del cr\u00e9dito del Gobierno<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Los <strong>cr\u00e9ditos del Gobierno bajo el Programa Creo <\/strong>tienen el objetivo de promover el acceso a financiamiento formal para la econom\u00eda popular, esto quiere decir oficios y ocupaciones mercantiles (producci\u00f3n y comercializaci\u00f3n de bienes y servicios) y no mercantiles (dom\u00e9sticas y comunitarias) desarrolladas por negocios personales, familiares o microempresas).<\/p>\n\n\n\n<p>En otras palabras, los cr\u00e9ditos del Gobierno de Colombia est\u00e1n destinados a personas que necesitan pr\u00e9stamos pero no tienen fiadores u otras garant\u00edas que les exigen desde el sistema bancario o financiero, y les dan facilidades de pago de hasta 24 meses.&nbsp;Con esto se intenta cerrar la brecha de desigualdad econ\u00f3mica entre distintos sectores sociales del pa\u00eds mediante el acceso a cr\u00e9dito flexible, que permita el bienestar econ\u00f3mico y financiero de estos sectores.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quienes pueden acceder al Programa Creo<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Personas naturales mayores de 18 a\u00f1os o juridicas que desarrollen actividades productivas <\/li>\n\n\n\n<li>Personas clasificadas en los grupos A, B o C del SIsb\u00e9n IV. <\/li>\n\n\n\n<li>Personas con ingresos anuales iguales o menores a 50 salarios m\u00ednimos <\/li>\n\n\n\n<li>Personas que no hayan tenido cr\u00e9ditos vigentes en los \u00faltimos dos a\u00f1os&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">L\u00edneas de cr\u00e9dito disponibles<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De acuerdo al sector y la modalidad, se pueden acceder a los siguientes montos: <\/li>\n\n\n\n<li>Sector no agropecuario (individual): hasta $2.000.000 con un periodo de pago de hasta 12 meses.<\/li>\n\n\n\n<li>Sector agropecuario (individual): hasta $4.000.000 con plazo de 24 meses<\/li>\n\n\n\n<li>Cr\u00e9ditos grupales o asociativos: hasta 2 millones de pesos por integrante no agropecuario y $4 millones por integrante agropecuario. Los plazos de pago van desde los 12 hasta los 24 meses, respectivamente. <\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<p>La alternativa crediticia cuenta con el respaldo de los ministerios de Hacienda y Cr\u00e9dito P\u00fablico, Industria y Turismo, Comercio, Agricultura y Desarrollo Rural, adem\u00e1s de las siguientes instituciones financieras:<strong> Banco Agrario de Colombia<\/strong>, <strong>Banco de Comercio Exterior de Colombia<\/strong> (Banc\u00f3ldex),<strong> Fondo Nacional de Garant\u00eda<\/strong>s (<strong>FNG<\/strong>) y el<strong> Fondo para el Financiamiento del Sector Agropecuario<\/strong> (<strong>Finagro<\/strong>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>En Colombia se ha popularizado una forma de pr\u00e9stamos llamados \u201cgota a gota\u201d, que si bien se presenta como una soluci\u00f3n r\u00e1pida y sencilla para saldar deudas (no exige documentaci\u00f3n), lo cierto es que este tipo de financiaci\u00f3n es ilegal y los cobros son excesivos, adem\u00e1s de recurrir a hechos violentos para exigir el pago.&nbsp;En &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/alprestamo.com\/blog\/en-que-consiste-el-credito-del-gobierno-de-hasta-4-millones\/\"> <span class=\"screen-reader-text\">En qu\u00e9 consiste el cr\u00e9dito del Gobierno de hasta $4 millones<\/span> Leer m\u00e1s &raquo;<\/a><\/p>\n","protected":false},"author":9,"featured_media":35100,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[98,197,100],"tags":[],"class_list":["post-36102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-co","category-portada-co","category-programas-sociales"],"acf":[],"yoast_head":"<!-- This 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Querejeta","author_link":"https:\/\/alprestamo.com\/blog\/author\/ramiro\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/\" rel=\"category tag\">CO<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/portada-co\/\" rel=\"category tag\">Portada<\/a> <a href=\"https:\/\/alprestamo.com\/blog\/categoria\/co\/programas-sociales\/\" rel=\"category tag\">Programas sociales<\/a>","rttpg_excerpt":"En Colombia se ha popularizado una forma de pr\u00e9stamos llamados \u201cgota a gota\u201d, que si bien se presenta como una soluci\u00f3n r\u00e1pida y sencilla para saldar deudas (no exige documentaci\u00f3n), lo cierto es que este tipo de financiaci\u00f3n es ilegal y los cobros son excesivos, adem\u00e1s de recurrir a hechos violentos para exigir el 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