{"id":39389,"date":"2019-01-28T15:07:55","date_gmt":"2019-01-28T14:07:55","guid":{"rendered":"https:\/\/www.digital-insure.fr\/el-impuesto-sobre-la-garantia-de-fallecimiento-entro-en-vigor-el-1-de-enero-de-2019\/"},"modified":"2025-10-21T15:20:56","modified_gmt":"2025-10-21T13:20:56","slug":"el-impuesto-sobre-la-garantia-de-fallecimiento-entro-en-vigor-el-1-de-enero-de-2019","status":"publish","type":"post","link":"https:\/\/www.digital-insure.fr\/es\/el-impuesto-sobre-la-garantia-de-fallecimiento-entro-en-vigor-el-1-de-enero-de-2019\/","title":{"rendered":"El impuesto sobre la garant\u00eda de fallecimiento entr\u00f3 en vigor el 1 de enero de 2019"},"content":{"rendered":"<div style=\"margin-top: 0px; margin-bottom: 0px;\" class=\"sharethis-inline-share-buttons\" ><\/div>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"39389\" class=\"elementor elementor-39389 elementor-2798\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5eb8b9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5eb8b9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b06023d\" data-id=\"b06023d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a845b88 elementor-widget elementor-widget-webify-section-heading-widget\" data-id=\"a845b88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"webify-section-heading-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"tb-section-heading tb-style2\">\n                      <div none=\"\" class=\"tb-f16-lg tb-small-heading tb-mt-3\" class=\"tb-f16-lg tb-small-heading tb-mt-3\">\u00c9V\u00c9NEMENTS<\/div>\n            <div class=\"empty-space marg-lg-b10\"><\/div>\n                                <h2 class=\"tb-f32-lg tb-f25-sm tb-big-heading tb-font-name tb-mb-6\" class=\"tb-f32-lg tb-f25-sm tb-big-heading tb-font-name tb-mb-6\">La taxe garantie d\u00e9c\u00e8s est entr\u00e9e en vigueur depuis le 1er janvier 2019<\/h2>\n                  <\/div>\n        \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-862ee13 elementor-widget elementor-widget-webify-section-heading-widget\" data-id=\"862ee13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"webify-section-heading-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"tb-section-heading\">\n          <h2 class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\" class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\">L\u2019Assembl\u00e9e Nationale a finalement vot\u00e9 la mise en place de la taxe sur la garantie D\u00e9c\u00e8s des contrats d\u2019assurance emprunteur.<\/h2>\n        <\/div>\n      \n      \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0470585 elementor-widget elementor-widget-image\" data-id=\"0470585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.digital-insure.fr\/wp-content\/uploads\/sites\/4\/2019\/01\/evenement-taxe-digital-insure-1.jpg\" class=\"attachment-large size-large wp-image-6439\" alt=\"La taxe garantie d\u00e9c\u00e8s avec Digital Insure\" srcset=\"https:\/\/www.digital-insure.fr\/wp-content\/uploads\/sites\/4\/2019\/01\/evenement-taxe-digital-insure-1.jpg 768w, https:\/\/www.digital-insure.fr\/wp-content\/uploads\/sites\/4\/2019\/01\/evenement-taxe-digital-insure-1-300x200.jpg 300w, https:\/\/www.digital-insure.fr\/wp-content\/uploads\/sites\/4\/2019\/01\/evenement-taxe-digital-insure-1-728x485.jpg 728w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bd0c15c elementor-widget elementor-widget-webify-section-heading-widget\" data-id=\"bd0c15c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"webify-section-heading-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"tb-section-heading\">\n          <h2 class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\" class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\">Concr\u00e8tement que va-t-il se passer ?<\/h2>\n        <\/div>\n      \n      \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-86e5160 elementor-widget elementor-widget-text-editor\" data-id=\"86e5160\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p>El art\u00edculo 52 elimina la exenci\u00f3n del impuesto especial sobre los contratos de seguros (TSCA) en la garant\u00eda de fallecimiento de los contratos de seguro de pr\u00e9stamo suscritos a partir del 1 de enero de 2019. Por consiguiente, este impuesto del 9% que solo se aplicaba a la fracci\u00f3n de las primas relativas a las garant\u00edas de incapacidad, invalidez y p\u00e9rdida de empleo, ahora se extiende a la fracci\u00f3n de las primas relativas al fallecimiento. Por lo tanto, se prev\u00e9 un aumento en la tarifa de los contratos de seguro de pr\u00e9stamo.  <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa4aadc elementor-widget elementor-widget-text-editor\" data-id=\"aa4aadc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><p><b>Un aumento del 4% al 9% puede repercutir en un contrato est\u00e1ndar, as\u00ed como ning\u00fan aumento si el asegurador decide mantener su precio a pesar del incremento del impuesto.<\/b> El comienzo de 2019 nos revelar\u00e1 c\u00f3mo el mercado ha decidido adaptarse a la nueva normativa, que a primera vista no favorece el ahorro de nuestros asegurados.<\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8943aa elementor-widget elementor-widget-webify-section-heading-widget\" data-id=\"a8943aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"webify-section-heading-widget.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t        <div class=\"tb-section-heading\">\n          <h2 class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\" class=\"tb-f32-lg tb-f28-sm tb-big-heading tb-font-name tb-mt-5 tb-mb-8 tb-mb-6-sm\"> L\u2019ann\u00e9e 2019 va nous d\u00e9voiler comment les assureurs vont r\u00e9agir face \u00e0 cette hausse de la taxe.<\/h2>\n        <\/div>\n      \n      \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bcee027 elementor-widget elementor-widget-text-editor\" data-id=\"bcee027\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"wpb_text_column wpb_content_element \"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner \"><div class=\"wpb_wrapper\"><div class=\"consult-iconbox flw icon-inline-title \"><div class=\"icon-box-content\"><div class=\"iconbox-text\"><p>Dos grandes escenarios parecen los m\u00e1s evidentes:<\/p><ul><li>Aumentar las tarifas de los productos de seguro de pr\u00e9stamo (seg\u00fan el Ministerio de Hacienda, \u00abpara un pr\u00e9stamo hipotecario de 100.000 euros a 15 a\u00f1os, esto supondr\u00eda un suplemento de 36 euros al a\u00f1o, es decir, 3 euros al mes\u00bb<\/li><\/ul><ul><li>No aumentar las tarifas y limitar el margen para preservar el atractivo de su oferta y captar nuevos clientes que buscan la buena soluci\u00f3n alternativa.<\/li><\/ul><p><strong>La oferta Avenir Naoassur emprunteur Equivalence 2 se inscribe en esta segunda alternativa, que ha optado por favorecer a los asegurados, pudiendo alcanzar un 15% de ahorro en sus seguros de pr\u00e9stamo colectivo.<\/strong><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><p class=\"dpsp-share-text\"> <\/p><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>\u00c9V\u00c9NEMENTS La taxe garantie d\u00e9c\u00e8s est entr\u00e9e en vigueur depuis le 1er janvier 2019 L\u2019Assembl\u00e9e Nationale a finalement vot\u00e9 la mise en place de la taxe sur la garantie D\u00e9c\u00e8s des contrats d\u2019assurance emprunteur. Concr\u00e8tement que va-t-il se passer ? El art\u00edculo 52 elimina la exenci\u00f3n del impuesto especial sobre los contratos de seguros (TSCA) [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[99],"tags":[],"class_list":["post-39389","post","type-post","status-publish","format-standard","hentry","category-evento"],"_links":{"self":[{"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/posts\/39389","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/comments?post=39389"}],"version-history":[{"count":1,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/posts\/39389\/revisions"}],"predecessor-version":[{"id":39391,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/posts\/39389\/revisions\/39391"}],"wp:attachment":[{"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/media?parent=39389"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/categories?post=39389"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/es\/wp-json\/wp\/v2\/tags?post=39389"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}