{"id":43734,"date":"2026-11-04T12:15:41","date_gmt":"2026-11-04T15:15:41","guid":{"rendered":"https:\/\/victoriaaldia.com\/?p=43734"},"modified":"2026-11-04T12:15:41","modified_gmt":"2026-11-04T15:15:41","slug":"el-credito-a-las-familias-no-repunta-el-financiamiento-con-tarjetas-cayo-un-122-real-en-un-ano","status":"publish","type":"post","link":"https:\/\/victoriaaldia.com\/?p=43734","title":{"rendered":"El cr\u00e9dito a las familias no repunta: el financiamiento con tarjetas cay\u00f3 un 12,2% real en un a\u00f1o"},"content":{"rendered":"<h2>Financiamiento y consumo<\/h2>\n<header class=\"cl-24 header-interior interior-top-1\">Los pr\u00e9stamos personales tambi\u00e9n retrocedieron: acumulan bajas en 12 de los \u00faltimos 13 meses, seg\u00fan un informe de First Capital Group. La debilidad del consumo contrasta con el crecimiento de los cr\u00e9ditos hipotecarios y del financiamiento a empresas.<\/header>\n<header><\/header>\n<header>El <b>cr\u00e9dito<\/b> destinado a las <b>familias<\/b> volvi\u00f3 a retroceder en octubre, tanto en las tarjetas como en los pr\u00e9stamos personales. Seg\u00fan un informe de First Capital Group elaborado con datos del Banco Central, ambas l\u00edneas disminuyeron al descontar el efecto de la inflaci\u00f3n.<\/p>\n<p>&nbsp;<\/p>\n<p>El financiamiento total al sector privado en pesos alcanz\u00f3 los $111 billones. Aunque creci\u00f3 un 2% mensual en valores nominales, la mejora fue de apenas un 0,1% en t\u00e9rminos reales, seg\u00fan inform\u00f3 <i>\u00c1mbito<\/i>.<\/p>\n<\/header>\n<p>Frente a octubre de 2025, el saldo total cay\u00f3 un 1,6% ajustado por inflaci\u00f3n. Para realizar esos c\u00e1lculos, el relevamiento utiliz\u00f3 una inflaci\u00f3n estimada del 1,9% mensual y del 33% interanual.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Las promociones no alcanzaron para sostener las tarjetas<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>Los saldos financiados con tarjetas en pesos llegaron a $25,5 billones y bajaron un 2,3% real respecto de septiembre. La ca\u00edda interanual fue del 12,2%, pese a que el monto expresado en pesos result\u00f3 mayor que un a\u00f1o atr\u00e1s.<\/p>\n<p>&nbsp;<\/p>\n<p>El retroceso ocurri\u00f3 durante un mes con promociones por el D\u00eda de la Madre y otras campa\u00f1as comerciales. El indicador mide el saldo financiado con tarjetas y no debe confundirse con una ca\u00edda equivalente en la cantidad de compras.<\/p>\n<p>&nbsp;<\/p>\n<figure class=\"embed\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/elonce-media.elonce.com\/fotos\/2025\/10\/14\/e_1760463035_16640.webp\" alt=\"\" width=\"600\" height=\"400\" \/><\/figure>\n<p>&nbsp;<\/p>\n<p>\u201cLa demanda est\u00e1 realizando tambi\u00e9n un ajuste en sus gastos debido al estancamiento de su ingreso disponible\u201d, explic\u00f3 Guillermo Barbero, socio de First Capital Group. Seg\u00fan el especialista, despu\u00e9s de dos meses de crecimiento real, esta l\u00ednea volvi\u00f3 a perder terreno.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Los pr\u00e9stamos personales tambi\u00e9n retrocedieron<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>El saldo de los pr\u00e9stamos personales alcanz\u00f3 los $22,5 billones. Descontada la inflaci\u00f3n, disminuy\u00f3 un 0,6% mensual y un 8,3% frente a octubre del a\u00f1o pasado.<\/p>\n<p>&nbsp;<\/p>\n<p>El informe se\u00f1al\u00f3 que esta l\u00ednea cay\u00f3 en t\u00e9rminos reales en 12 de los \u00faltimos 13 meses. Vincul\u00f3 esa evoluci\u00f3n con dificultades de pago de algunos deudores y con un aumento de la morosidad.<\/p>\n<figure class=\"embed\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/elonce-media.elonce.com\/fotos\/2025\/03\/12\/e_1741787976_19743.webp\" alt=\"\" width=\"600\" height=\"400\" \/><\/figure>\n<p>En ese contexto, los bancos concentran esfuerzos en regularizar a los clientes con atrasos antes de expandir las nuevas colocaciones. Las <b>familias<\/b>, por su parte, mantienen cautela frente a las condiciones disponibles para tomar <b>cr\u00e9dito<\/b>.<\/p>\n<p>&nbsp;<\/p>\n<h2><b>Los hipotecarios y las empresas mostraron otra evoluci\u00f3n<\/b><\/h2>\n<p>&nbsp;<\/p>\n<p>Los pr\u00e9stamos hipotecarios, incluidos los ajustables por UVA, crecieron un 3,3% real mensual y un 23,7% interanual. Su saldo lleg\u00f3 a $9,6 billones y fue uno de los segmentos que sostuvo el financiamiento durante octubre.<\/p>\n<p>Los cr\u00e9ditos prendarios, utilizados principalmente para comprar veh\u00edculos, permanecieron pr\u00e1cticamente estancados frente a septiembre. En la comparaci\u00f3n anual registraron una ca\u00edda real del 10,4%, en un escenario de menor actividad del mercado automotor.<\/p>\n<p>&nbsp;<\/p>\n<p>El financiamiento comercial en pesos aument\u00f3 un 1% real mensual y un 4,2% interanual. \u201cSe evidencia un estancamiento en las l\u00edneas mayoritariamente familiares\u201d, resumi\u00f3 Barbero al distinguir el desempe\u00f1o del <b>cr\u00e9dito<\/b> para las <b>familias<\/b> del destinado a empresas y viviendas. Fuente: El Once<\/p>\n<p><a href=\"https:\/\/victoriaaldia.com\/?attachment_id=9289\" 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>Financiamiento y consumo Los pr\u00e9stamos personales tambi\u00e9n retrocedieron: acumulan bajas en 12 de los \u00faltimos 13 meses, seg\u00fan un informe&hellip;<\/p>\n","protected":false},"author":3,"featured_media":43735,"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-43734","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 v28.8 - 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