{"id":12515,"date":"2025-07-17T00:56:00","date_gmt":"2025-07-17T03:56:00","guid":{"rendered":"https:\/\/ax.ar\/garantech\/?p=12515"},"modified":"2025-07-17T08:00:17","modified_gmt":"2025-07-17T11:00:17","slug":"mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo","status":"publish","type":"post","link":"https:\/\/ax.ar\/garantech\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\/","title":{"rendered":"M\u00e1s cr\u00e9dito, pero tambi\u00e9n m\u00e1s mora: suben los atrasos en pr\u00e9stamos al consumo"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">La morosidad en los cr\u00e9ditos al consumo viene creciendo en forma sostenida y en mayo registr\u00f3 una nueva suba, seg\u00fan se desprende del <strong>\u00faltimo Informe sobre Bancos publicado por el Banco Central (BCRA)<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En particular, la <strong>irregularidad en el financiamiento con tarjetas de cr\u00e9dito se duplic\u00f3 en el \u00faltimo a\u00f1o<\/strong>, al pasar del <strong>1,9% en junio de 2024 al 3,8% en mayo de 2025<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Este fen\u00f3meno se da en un contexto de alza generalizada en los atrasos en los pagos de cr\u00e9ditos orientados al consumo.Los <strong>pr\u00e9stamos personales<\/strong>, por ejemplo, tambi\u00e9n mostraron una suba de la morosidad: <strong>pasaron del 4,1% al 5,6%<\/strong> en el mismo per\u00edodo. El informe del Central remarca que estas l\u00edneas de financiamiento son las que <strong>m\u00e1s reflejan el deterioro del poder adquisitivo de los hogares<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sube la morosidad, pero sigue por debajo del promedio hist\u00f3rico<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En t\u00e9rminos generales, la <strong>morosidad total de los pr\u00e9stamos al sector privado<\/strong> subi\u00f3 del <strong>1,8% al 2,6% interanual<\/strong>, y tambi\u00e9n se increment\u00f3 frente al mes anterior (2,2% en abril). De todos modos, el Central destaca que estos niveles siguen <strong>por debajo del promedio hist\u00f3rico de los \u00faltimos 20 a\u00f1os<\/strong>, que se ubica en torno al <strong>3,1%<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mejores indicadores en cr\u00e9ditos con garant\u00eda real<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En contraste con el comportamiento de los cr\u00e9ditos al consumo, los <strong>pr\u00e9stamos con garant\u00eda real<\/strong> \u2014como hipotecarios y prendarios\u2014 mostraron <strong>niveles de cumplimiento estables o en mejora<\/strong>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Cr\u00e9ditos hipotecarios:<\/strong> bajaron del <strong>1,7% al 1,5%<\/strong> en cuanto a irregularidad, lo que confirma que las familias priorizan el pago de sus viviendas. Esto es especialmente notorio en los <strong>hipotecarios UVA<\/strong>, que suelen destacarse por su bajo nivel de incumplimiento.<\/li>\n\n\n\n<li><strong>Prendarios:<\/strong> se mantuvieron en el <strong>2,4%<\/strong>, sin variaciones interanuales.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Empresas: sube la morosidad y aumentan los cheques rechazados<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En el caso del financiamiento a las empresas, el informe del BCRA indic\u00f3 una morosidad promedio del <strong>1%<\/strong> en mayo, con <strong>leves subas en la mayor\u00eda de los sectores<\/strong>, aunque la industria se mantuvo estable. En el caso puntual de los <strong>adelantos en cuenta corriente<\/strong>, la morosidad se duplic\u00f3: pas\u00f3 del <strong>1,1% al 2,1%<\/strong> interanual.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, se observ\u00f3 un <strong>aumento en el rechazo de cheques por falta de fondos<\/strong>, otro indicador del deterioro financiero de algunas firmas:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>1,39%<\/strong> de los cheques compensados fueron rechazados en cantidades (suba de 0,83 puntos interanual).<\/li>\n\n\n\n<li><strong>1,24%<\/strong> del total en montos reales tambi\u00e9n fue rechazado (suba de 0,76 puntos).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Crece el cr\u00e9dito al sector privado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Pese a este panorama de mayor morosidad, el informe tambi\u00e9n reflej\u00f3 <strong>datos positivos en t\u00e9rminos de volumen de financiamiento<\/strong>. En mayo, los <strong>pr\u00e9stamos totales al sector privado en pesos crecieron un 3,5% real<\/strong> (ajustado por inflaci\u00f3n), y <strong>88,3% interanual<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En tanto, los <strong>pr\u00e9stamos en d\u00f3lares<\/strong> tambi\u00e9n mostraron un <strong>fuerte crecimiento interanual del 137%<\/strong>, y del <strong>7,9% mensual<\/strong>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">M\u00e1s cr\u00e9dito para el sector privado, menos para el Estado<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un cambio estructural que destaca el BCRA en su informe es el <strong>cambio de orientaci\u00f3n del cr\u00e9dito bancario<\/strong>. Tal como impulsa el Gobierno nacional, los bancos est\u00e1n volviendo a prestar principalmente al <strong>sector privado<\/strong>, en lugar de volcar sus fondos al financiamiento del sector p\u00fablico.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Durante mayo, el cr\u00e9dito al sector privado represent\u00f3 el <strong>41,3% del activo total<\/strong> del sistema financiero, frente al <strong>32,2% correspondiente al sector p\u00fablico<\/strong>. Esta brecha de <strong>9,1 puntos porcentuales<\/strong> es la mayor de los \u00faltimos tiempos, producto del desarme de los pasivos remunerados del BCRA.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La morosidad en los cr\u00e9ditos al consumo viene creciendo en forma sostenida y en mayo registr\u00f3 una nueva suba, seg\u00fan se desprende del \u00faltimo Informe sobre Bancos publicado por el Banco Central (BCRA). En particular, la irregularidad en el financiamiento con tarjetas de cr\u00e9dito se duplic\u00f3 en el \u00faltimo a\u00f1o, al pasar del 1,9% en [&hellip;]<\/p>\n","protected":false},"author":13,"featured_media":12516,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[39],"tags":[],"class_list":["post-12515","post","type-post","status-publish","format-standard","has-post-thumbnail","category-actualidad"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>M\u00e1s cr\u00e9dito, pero tambi\u00e9n m\u00e1s mora: suben los atrasos en pr\u00e9stamos al consumo - Mundo Empresas<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ax.ar\/garantech\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"M\u00e1s cr\u00e9dito, pero tambi\u00e9n m\u00e1s mora: suben los atrasos en pr\u00e9stamos al consumo - Mundo Empresas\" \/>\n<meta property=\"og:description\" content=\"La morosidad en los cr\u00e9ditos al consumo viene creciendo en forma sostenida y en mayo registr\u00f3 una nueva suba, seg\u00fan se desprende del \u00faltimo Informe sobre Bancos publicado por el Banco Central (BCRA). En particular, la irregularidad en el financiamiento con tarjetas de cr\u00e9dito se duplic\u00f3 en el \u00faltimo a\u00f1o, al pasar del 1,9% en [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ax.ar\/garantech\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\/\" \/>\n<meta property=\"og:site_name\" content=\"Mundo Empresas\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-17T03:56:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-07-17T11:00:17+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ax.ar\/garantech\/wp-content\/uploads\/sites\/10\/2025\/07\/morosidad_tarjetas.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"660\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Redacci\u00f3n Mundo Empresas\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Redacci\u00f3n Mundo Empresas\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/\"},\"author\":{\"name\":\"Redacci\u00f3n Mundo Empresas\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/#\\\/schema\\\/person\\\/6ffb8564659b694d0967be678b55ada3\"},\"headline\":\"M\u00e1s cr\u00e9dito, pero tambi\u00e9n m\u00e1s mora: suben los atrasos en pr\u00e9stamos al consumo\",\"datePublished\":\"2025-07-17T03:56:00+00:00\",\"dateModified\":\"2025-07-17T11:00:17+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/\"},\"wordCount\":586,\"image\":{\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/wp-content\\\/uploads\\\/sites\\\/10\\\/2025\\\/07\\\/morosidad_tarjetas.webp\",\"articleSection\":[\"Actualidad\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/\",\"url\":\"https:\\\/\\\/ax.ar\\\/garantech\\\/mas-credito-pero-tambien-mas-mora-suben-los-atrasos-en-prestamos-al-consumo\\\/\",\"name\":\"M\u00e1s cr\u00e9dito, pero tambi\u00e9n m\u00e1s mora: suben los atrasos en pr\u00e9stamos al consumo - 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