04/13/2021 4:39 PM
Updated 04/13/2021 4:39 PM
After a meeting lasting more than five hours at the Banco Nación de San Rafael branch, Mendoza, an agreement was reached to
suspend the auction of the Macaluso family house for 180 days
while a payment plan is being negotiated.
Marcelo Macaluso (45) had received a notice of execution on March 30 for a debt that has dragged on since April 2019, for a UVA loan requested in 2017. He had requested 2 million pesos, today he owes 9 million and
was in danger of being evicted with his family
As Macaluso had told
his situation as an owner was at serious risk.
"I requested a UVA loan for 30 years, and
I was able to make the payment for only two years, since April 2019 I have not paid the installment
because I am facing financial difficulties. In addition, I had requested another personal loan, in parallel to the UVA, and I had to choose between the two and I stopped paying staff, so
since October 2020 I have 30 percent of my salary garnished
An employee of the ICBC Bank, married with four children, Macaluso confessed to this medium his pessimism in the face of his imminent future at home: "The situation is very difficult,
I don't think I can save the house, my children already know it and my wife is medicated for disgust
Aware of his reality, Julio Cobos, former governor of Mendoza and former vice president of the Nation, contacted him.
"We talked for a long time, he wanted to know about the situation of the possible eviction, he was very concerned and
had the deference to call the board of directors of Banco Nación,
" said Marcelo.
For Marcelo Macaluso, the support of the former vice president of the Nation Julio Cobos was important, "who was interested in my situation and communicated with the director of Banco Nación."
Did the meeting arise from this intermediation by Cobos?
Macaluso thinks so.
On Monday morning, together with his wife Mariela and his two lawyers, they went to the management offices of Banco Nación in San Rafael.
The bank has no interest in executing a home
, on the contrary, it seeks a way to reach an agreement, to reach a consensus as long as we see
an intention to pay on the part of the debtor,
a spokesperson for the Nation
The bank summoned Macaluso "to dialogue, settle an agreement and make a joint presentation in the court where he has the judicial case, with the aim of
requesting a 180-day period of suspension of executions from the Justice in order to restructure the debt,
"says the communication manager of the institution.
Although this "truce" had not yet been sealed, everything indicates that this will be the first step.
Since the birth of UVA mortgage loans, in April 2016, "Banco Nación granted 48,623 loans, representing 45 percent of the total.
Claims were only produced in 129 cases
, a statistic that speaks for itself. And the index of delinquency is 0.25% ", informs the institution.
From the Nation they assured that the bank "was always open to negotiation with all clients" and that it is not only interested in profitability but also "social parameters."
The bank insists with its position: "
We have an open negotiation channel
with Mr. Macaluso, as happened in the other 128 cases, many of which have already canceled the debt."
One of the measures adopted by the Nation is that "
if the UVA exceeds 35 percent of income, we have different alternatives to find a way out
, the same as for people whose income was zero due to the pandemic: for them there is a period of grace that goes from three to six months ", they explain.
According to the spokesman for the Nation, Macaluso "judicialized his situation but
never came to the bank to find out about any type of negotiation
, so we invited him to talk this Monday to fix an agreement. As far as we know through our zonal manager,
this person He would have shown agreement with the proposal
, which would consist of him being able to keep the house by committing himself to a payment method. "
"Always, even in the worst moments of the pandemic, the bank was open to dialogue and negotiation with all its clients, beyond UVA loans.
It is not a bank that only measures profitability parameters but also cares about the parameters social
", underlines the spokesman, who is in the city of Buenos Aires.
The Macalusos are calmer after the meeting that Marcelo and his wife Mariela held with the authorities of the Nation, in San Rafael.
Macaluso, at times overwhelmed by the logical tension of these days, returns to attend
and says that "there has been
a change of attitude from the bank, much more flexible and understanding personal emergencies
, to the point of expressing their intentions to avoid the execution and being able to get a break for a few months while we see how we can find some alternatives,
which is appreciated
But what would those "alternatives" be?
Nothing is closed yet.
"We are waiting for the Government to
look for a way out from the enactment of a new mortgage loan law
, because as we agreed in the meeting with Banco Nación this cannot continue like this, the UVA indicator is unviable, they cannot continue to be indexed the quotas for inflation that we have. It has to be modified by an interest rate that is governed, for example, by wages. "
In 72 hours they changed the emergencies for the Macaluso family.
"From a probable execution in a week or ten days, to a margin of six months to think about a bailout. I must admit that
I found a more conciliatory position from the bank
, which listens to the other party and made it clear to us that He does not want us to lose the house.
It was a radical change, but it did not surprise me
, "concluded Macaluso.
From the Nation they do not want to enter into any controversy, "only to clarify things and the bank's position."