{"id":40823,"date":"2026-07-24T21:11:04","date_gmt":"2026-07-25T00:11:04","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=40823"},"modified":"2026-07-24T21:11:04","modified_gmt":"2026-07-25T00:11:04","slug":"la-morosidad-de-las-familias-volvio-a-subir-casi-se-triplico-en-un-ano-y-preocupa-el-deterioro-del-credito","status":"publish","type":"post","link":"http:\/\/victoriaaldia.com\/?p=40823","title":{"rendered":"La morosidad de las familias volvi\u00f3 a subir, casi se triplic\u00f3 en un a\u00f1o y preocupa el deterioro del cr\u00e9dito"},"content":{"rendered":"<header class=\"cl-24 header-interior interior-top-1\">La irregularidad en los pr\u00e9stamos otorgados a los hogares alcanz\u00f3 el 12,8% en mayo, seg\u00fan datos del Banco Central. El indicador subi\u00f3 8,3 puntos porcentuales en un a\u00f1o, mientras que la mora de las empresas se mantuvo en niveles considerablemente m\u00e1s bajos.<\/header>\n<header><\/header>\n<header>La\u00a0<b>morosidad de las familias<\/b>\u00a0volvi\u00f3 a mostrar un fuerte deterioro y encendi\u00f3 una se\u00f1al de alerta en el sistema financiero argentino. De acuerdo con el \u00faltimo informe del Banco Central de la Rep\u00fablica Argentina (BCRA), la irregularidad en los cr\u00e9ditos destinados a los hogares alcanz\u00f3 el\u00a0<b>12,8% al cierre de mayo de 2026<\/b>, lo que representa un aumento de 0,7 puntos porcentuales respecto de abril.<\/p>\n<p>&nbsp;<\/p>\n<p>Sin embargo, el dato m\u00e1s significativo surge de la comparaci\u00f3n interanual. En mayo de 2025, el nivel de mora era sustancialmente inferior, por lo que el indicador acumul\u00f3 un incremento de\u00a0<b>8,3 puntos porcentuales<\/b>\u00a0en apenas doce meses. En t\u00e9rminos pr\u00e1cticos, la cantidad de pr\u00e9stamos con problemas de pago entre las familias casi se triplic\u00f3 en un a\u00f1o.<\/p>\n<p>El comportamiento de los hogares contrasta con la situaci\u00f3n del sector empresarial, donde el coeficiente de irregularidad se ubic\u00f3 en\u00a0<b>3,5%<\/b>, muy por debajo del registrado en los cr\u00e9ditos destinados al consumo de las personas.<\/p>\n<h2>El cr\u00e9dito al consumo tambi\u00e9n mostr\u00f3 una ca\u00edda<\/h2>\n<p>&nbsp;<\/p>\n<p>El incremento de la morosidad se produjo en un contexto de menor dinamismo del financiamiento a las familias. Seg\u00fan el informe oficial, los pr\u00e9stamos destinados al consumo registraron en mayo una\u00a0<b>contracci\u00f3n real del 1,1%<\/b>, reflejando un menor nivel de endeudamiento y una mayor cautela tanto por parte de los bancos como de los propios consumidores.<\/p>\n<p>Al considerar el conjunto del sistema financiero, la irregularidad del cr\u00e9dito al sector privado alcanz\u00f3 el\u00a0<b>7,7%<\/b>\u00a0durante mayo, impulsada principalmente por el deterioro en la capacidad de pago de los hogares.<\/p>\n<p>El informe tambi\u00e9n indic\u00f3 que la participaci\u00f3n de los pr\u00e9stamos a las familias dentro del activo total de las entidades financieras descendi\u00f3 levemente hasta el\u00a0<b>20,4%<\/b>, reflejando una moderaci\u00f3n en la exposici\u00f3n del sistema a este segmento.<\/p>\n<p>&nbsp;<\/p>\n<h2>El sistema financiero mantiene niveles de solvencia<\/h2>\n<p>&nbsp;<\/p>\n<p>A pesar del aumento de la mora, el Banco Central sostuvo que las entidades financieras conservan una posici\u00f3n patrimonial s\u00f3lida para afrontar eventuales p\u00e9rdidas.<\/p>\n<p>En ese sentido, el organismo se\u00f1al\u00f3 que los bancos cuentan con previsiones que cubren el\u00a0<b>86,3% de la cartera irregular<\/b>, un nivel que permite absorber una parte importante del deterioro en la calidad del cr\u00e9dito.<\/p>\n<p>Adem\u00e1s, el sistema financiero mantiene una integraci\u00f3n de capital equivalente al\u00a0<b>30,7% de los activos ponderados por riesgo<\/b>, un indicador que el regulador considera robusto desde el punto de vista de la solvencia.<\/p>\n<p>&nbsp;<\/p>\n<p>No obstante, el crecimiento sostenido de la morosidad entre las familias aparece como uno de los principales focos de atenci\u00f3n para el sistema financiero, ya que evidencia las crecientes dificultades de muchos hogares para cumplir con el pago de sus obligaciones crediticias en un contexto de menor consumo y mayor presi\u00f3n sobre los ingresos. Fuente: El Once<\/p>\n<p><a href=\"https:\/\/victoriaaldia.com\/?attachment_id=9273\" rel=\"attachment wp-att-9273\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9273\" src=\"http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/el-progreso.png\" alt=\"\" width=\"720\" height=\"90\" srcset=\"http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/el-progreso.png 720w, http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/el-progreso-300x38.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<\/header>\n","protected":false},"excerpt":{"rendered":"<p>La irregularidad en los pr\u00e9stamos otorgados a los hogares alcanz\u00f3 el 12,8% en mayo, seg\u00fan datos del Banco Central. El&hellip;<\/p>\n","protected":false},"author":3,"featured_media":40824,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"nogoya_volanta":"","nogoya_breaking":false,"nogoya_exclusive":false,"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-40823","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La morosidad de las familias volvi\u00f3 a subir, casi se triplic\u00f3 en un a\u00f1o y preocupa el deterioro del cr\u00e9dito - Victoria Al D\u00eda<\/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:\/\/victoriaaldia.com\/?p=40823\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La morosidad de las familias volvi\u00f3 a subir, casi se triplic\u00f3 en un a\u00f1o y preocupa el deterioro del cr\u00e9dito - Victoria Al D\u00eda\" \/>\n<meta property=\"og:description\" content=\"La irregularidad en los pr\u00e9stamos otorgados a los hogares alcanz\u00f3 el 12,8% en mayo, seg\u00fan datos del Banco Central. 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