{"id":4462,"date":"2025-08-14T19:55:38","date_gmt":"2025-08-14T19:55:38","guid":{"rendered":"https:\/\/colombiadiversa.org\/?post_type=derechos&#038;p=4462"},"modified":"2026-02-27T18:32:07","modified_gmt":"2026-02-27T18:32:07","slug":"can-i-be-denied-credit-for-having-hiv","status":"publish","type":"derechos","link":"https:\/\/colombiadiversa.org\/en\/rights\/can-i-be-denied-credit-for-having-hiv\/","title":{"rendered":"Can I be denied credit because I have HIV?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">No, being a person living with HIV is not an admissible argument for refusing a credit application. Even if the lending institution requires life insurance in its statutes in order to authorise the loan, such a request would be a typical act of discrimination. Therefore, under no circumstances can a loan be denied on this ground alone without a bias-free analysis (Judgment of the European Court of Human Rights).<\/span><a href=\"http:\/\/www.corteconstitucional.gov.co\/relatoria\/2007\/T-905-07.htm\"><span style=\"font-weight: 400;\">\u00a0T-905\/07<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, constitutional jurisprudence has been clear that \"the mere condition of HIV is not a valid reason to refuse the issuance of a life insurance policy\" and that \"it is not conceivable under any argument that being an asymptomatic carrier of HIV is an exclusion for acquiring life insurance\" (judgments T-1165 of 2001, T-905 of 2007, T-173 of 2022).<\/span><\/p>","protected":false},"template":"","grupo-derecho":[139],"categoria-derecho":[138],"class_list":["post-4462","derechos","type-derechos","status-publish","hentry","grupo-derecho-creditos-bancarios","categoria-derecho-vih"],"acf":[],"_links":{"self":[{"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/derechos\/4462","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/derechos"}],"about":[{"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/types\/derechos"}],"wp:attachment":[{"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/media?parent=4462"}],"wp:term":[{"taxonomy":"grupo-derecho","embeddable":true,"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/grupo-derecho?post=4462"},{"taxonomy":"categoria-derecho","embeddable":true,"href":"https:\/\/colombiadiversa.org\/en\/wp-json\/wp\/v2\/categoria-derecho?post=4462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}