{"id":15269,"date":"2024-04-15T19:15:49","date_gmt":"2024-04-15T22:15:49","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=15269"},"modified":"2024-04-15T19:15:49","modified_gmt":"2024-04-15T22:15:49","slug":"baja-de-las-tasas-de-interes-cuanto-rinde-un-plazo-fijo-de-1-000-000-a-30-dias","status":"publish","type":"post","link":"https:\/\/victoriaaldia.com\/?p=15269","title":{"rendered":"Baja de las tasas de inter\u00e9s: cu\u00e1nto rinde un plazo fijo de $1.000.000 a 30 d\u00edas"},"content":{"rendered":"<h2>Para ahorristas<\/h2>\n<p>Los dep\u00f3sitos en pesos ofrecen una menor rentabilidad por la baja de tasas de referencia. Si invierte $1.000.000 a 30 d\u00edas el ahorrista &#8220;perder\u00e1&#8221; de ganar unos $8.000 respecto a si hac\u00eda esta misma inversi\u00f3n antes del 11 de abril.<\/p>\n<p>El 11 de abril pasado el Banco Central volvi\u00f3 a bajar la tasa de referencia de pol\u00edtica monetaria. En este caso, el retroceso fue de 10 puntos porcentuales, desde el previo 80% de tasa nominal anual (TNA) hasta el actual 70%.<\/p>\n<p>Por ende, los bancos trasladaron esta noticia y descendieron la renta que brindan los plazos fijos tradicionales desde el previo 70% hasta un promedio actual de 60% TNA, para dep\u00f3sitos minoristas por menos de $10 millones a un lapso de 30 d\u00edas.<\/p>\n<p>De esta manera, desde principios\u00a0<b>de marzo hasta ahora, las colocaciones bancarias pagan 50 puntos porcentuales menos<\/b>, ya que hasta hace un poco m\u00e1s de un mes ofrec\u00edan 110% de TNA.<\/p>\n<p>As\u00ed,\u00a0<b>hoy un plazo fijo tradicional brinda una renta de 4,93% cada 30 d\u00edas<\/b>, que es el tiempo m\u00ednimo requerido de encaje para esta inversi\u00f3n.<\/p>\n<p>Cabe aclarar que no es igual la tasa ofrecida por todos los bancos para un plazo fijo minorista, m\u00e1s all\u00e1 que la mayor\u00eda de ellos ya propone 60% TNA, debido a que desde marzo el Banco Central ya no les impone a las entidades financieras que paguen una tasa de inter\u00e9s m\u00ednima por un dep\u00f3sito bancario. Por lo que ahora cada firma determina cu\u00e1nto ofrece a los ahorristas.<\/p>\n<p>En base a este nuevo escenario para el ahorrista, al realizar un plazo fijo tradicional con una inversi\u00f3n inicial de $1 mill\u00f3n, por un per\u00edodo de 30 d\u00edas, se pasar\u00e1 a ganar despu\u00e9s de este tiempo un total de $1.049.315.<\/p>\n<p>Es decir,\u00a0<b>se ganar\u00e1n 49.315 pesos adicionales en un mes<\/b>\u00a0con el dinero colocado en este ejemplo, por lo que se obtendr\u00e1 una renta que equivale a 4,93% (60% de TNA en promedio).<\/p>\n<p>As\u00ed, el ahorrista &#8220;perder\u00e1&#8221; de ganar unos $8.000 respecto a si hac\u00eda esta misma inversi\u00f3n antes del descenso de las tasas del 11 de abril, ya que hubiese obtenido a los 30 d\u00edas $1.057.534, publica Iprofesional.<\/p>\n<p><a href=\"https:\/\/victoriaaldia.com\/el-banco-central-ya-definio-que-hara-con-la-tasa-de-interes\/estancia-mendoza-2\/\" rel=\"attachment wp-att-9289\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-9289\" src=\"http:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza.png\" alt=\"\" width=\"720\" height=\"90\" srcset=\"https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza.png 720w, https:\/\/victoriaaldia.com\/wp-content\/uploads\/2023\/11\/estancia-mendoza-300x38.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Para ahorristas Los dep\u00f3sitos en pesos ofrecen una menor rentabilidad por la baja de tasas de referencia. Si invierte $1.000.000&hellip;<\/p>\n","protected":false},"author":3,"featured_media":15270,"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-15269","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 v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Baja de las tasas de inter\u00e9s: cu\u00e1nto rinde un plazo fijo de $1.000.000 a 30 d\u00edas - 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=15269\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Baja de las tasas de inter\u00e9s: cu\u00e1nto rinde un plazo fijo de $1.000.000 a 30 d\u00edas - Victoria Al D\u00eda\" \/>\n<meta property=\"og:description\" content=\"Para ahorristas Los dep\u00f3sitos en pesos ofrecen una menor rentabilidad por la baja de tasas de referencia. 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