Lending to pensioners becomes less attractive
The Collegiate Court will have to re-analyze the case, taking into account the ruling of the Supreme Court, which basically states that a contract clause cannot give the bank the power to collect from any contracted account, including the pension account. . And, since the charges must always be proportional to the ability to pay, they must exclude a minimum pension amount from being affected.
In this sense, the bank could not collect debts from pensioners who have only one minimum pension income in a bank account, says Rolando Silva, from the College of Public Accountants of Mexico.
The precedent set by the ruling -says the expert- can benefit debtors only to a certain extent. Because there is also a risk that banks will see working people close to retirement as a less attractive market for loans.
Silva points out that, until a few years ago, pensioners were not subject to credit. But this changed when the market took into account that they are people with a regular and constant income that, in some way, reduced the risk of default or default on loans.
For this reason, the sentence of the Supreme Court of Justice of the Nation can give an alert signal to the banks and lead them not to grant credits to certain population groups.