厄瓜多尔第529号行政令为厄尔尼诺受灾借款人开90天贷款延期通道，不免债、须借贷双方协商
厄瓜多尔总统 Daniel Noboa 2026年11月5日签署第529号行政令，官方公报11月6日刊出：收入受厄尔尼诺现象影响的借款人，可与金融机构协商，把贷款分期推迟最长90天。公共、私营与大众团结金融体系的机构都可办理。
这项措施的边界写得很清楚：它不是免债。延期不抹掉本金、不核销未偿贷款、也不发任何现金补助；是否延期、如何延期，要由借贷双方逐笔达成一致。而且按这一特别通道办理的延期，不得产生逾期利息、费用、附加费或罚款。
厄尔尼诺带来的雨情是这道令的现实背景。国家风险管理秘书处11月6日18时的通报说，自8月29日以来，全国24个省已记录1,239起与降雨相关的不利事件。
法令给金融与货币政策监管委员会最多15天时间，从公报刊出起算，出台具体的实施框架。也就是说，通道已经在法律上打开，借款人真正办成延期，还要等监管细则与各家机构的受理流程跟上。
（来源：厄瓜多尔总统府）
Ecuador's Decree 529 Opens 90-Day Loan Deferral for El Nino Borrowers, Without Forgiving Debt
Ecuador's President Daniel Noboa signed Executive Decree 529 on November 5, 2026, published in the official gazette on November 6: borrowers whose incomes have been disrupted by El Nino can agree with their lender to defer loan instalments for up to 90 days. Institutions in the public, private and popular-and-solidarity financial sectors may all grant the deferral.
The measure's limits are explicit: it is not debt forgiveness. The deferral does not erase principal, write off an outstanding loan or distribute a cash grant; each arrangement requires agreement between lender and borrower. Using this special channel must not generate late-payment interest, expenses, surcharges or fines.
The rains behind the decree are documented: the National Risk Management Secretariat's November 6 bulletin counted 1,239 rain-related adverse events across all 24 provinces since August 29.
The decree gives the financial and monetary policy board a maximum of 15 days from gazette publication to issue the implementing framework. The channel is legally open; turning it into actual payment relief now depends on the regulator's rules and each institution's intake process.
(Source: Presidency of Ecuador)
来源：厄瓜多尔总统府
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图片来源：图：加拉帕戈斯群岛圣克鲁斯岛主要城镇 Puerto Ayora 的港口。照片：Pete，CC BY-SA 2.0，经维基共享资源。 / Photo: The harbour of Puerto Ayora, the main town on Santa Cruz Island in the Galapagos Islands, Ecuador. Photo: Pete, CC BY-SA 2.0, via Wikimedia Commons
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