{"id":2838,"date":"2026-04-04T02:41:27","date_gmt":"2026-04-04T05:41:27","guid":{"rendered":"https:\/\/hiox.com.ar\/hiox\/vuelven-las-12-cuotas-sin-interes-al-sector-de-electrodomesticos-se-suman-las-marcas-de-ropa\/"},"modified":"2026-04-04T02:41:27","modified_gmt":"2026-04-04T05:41:27","slug":"vuelven-las-12-cuotas-sin-interes-al-sector-de-electrodomesticos-se-suman-las-marcas-de-ropa","status":"publish","type":"post","link":"https:\/\/hiox.com.ar\/hiox\/vuelven-las-12-cuotas-sin-interes-al-sector-de-electrodomesticos-se-suman-las-marcas-de-ropa\/","title":{"rendered":"\u00bfVuelven las 12 cuotas sin inter\u00e9s?: al sector de electrodom\u00e9sticos, se suman las marcas de ropa"},"content":{"rendered":"

Informaci\u00f3n detallada sobre \u00bfVuelven las 12 cuotas sin inter\u00e9s?: al sector de electrodom\u00e9sticos, se suman las marcas de ropa<\/strong>. Te traemos las \u00faltimas noticias sobre Noticia Infobae, un tema de gran inter\u00e9s para hoy 4 April, 2026.<\/p>\n

\n
\"Las<\/p>\n

En un contexto de estancamiento del consumo y ante una incipiente baja de tasas<\/a>, el sector de la indumentaria comenz\u00f3 a ofrecer nuevamente 12 cuotas sin inter\u00e9s. La posibilidad de financiamiento a plazos m\u00e1s largos con tarjetas ya se encontraba en ciertos segmentos de bienes durables, pero se empieza a extender a otros rubros. No obstante, surgen dudas por el aumento de la morosidad<\/a>.<\/p>\n

El Banco Central decidi\u00f3 flexibilizar el apret\u00f3n monetario<\/a> y redujo en 5 puntos porcentuales los encajes bancarios a partir de abril, con el objetivo de incrementar la liquidez bancaria y el circulante en poder del p\u00fablico y ampliar el fondeo de las entidades financieras para que puedan prestar m\u00e1s dinero.<\/p>\n

\n

La baja de los encajes tiende a reducir los costos de los cr\u00e9ditos para empresas y personas en el corto plazo, promoviendo tanto el consumo como la inversi\u00f3n<\/p>\n<\/blockquote>\n

Habitualmente, estas medidas tienden a bajar los costos de los cr\u00e9ditos para empresas y personas en el corto plazo, promoviendo tanto el consumo como la inversi\u00f3n.<\/p>\n

A su vez, el Banco Naci\u00f3n lanz\u00f3 una nueva promoci\u00f3n que permite financiar compras en hasta 20 cuotas sin inter\u00e9s con sus tarjetas<\/b> de cr\u00e9dito.<\/b><\/p>\n

La iniciativa estar\u00e1 vigente hasta el 31 de mayo y abarca distintas categor\u00edas, entre las que se destacan tecnolog\u00eda y art\u00edculos para el hogar, decoraci\u00f3n, materiales para la construcci\u00f3n, colchoner\u00eda y movilidad, incluyendo bicicletas y motos.<\/p>\n

\"El<\/p>\n

Reacci\u00f3n del sector indumentaria y textil<\/h2>\n

Las marcas de ropa, que ya ven\u00edan apostando por descuentos y promociones, reintrodujeron planes de pago en 12 cuotas sin inter\u00e9s con el inicio de la temporada de oto\u00f1o-invierno<\/b>. <\/p>\n

Claudio Drescher<\/b>, presidente de la C\u00e1mara Industrial Argentina de la Indumentaria (CIAI), coment\u00f3 que esta opci\u00f3n de financiaci\u00f3n responde principalmente a la ca\u00edda de la demanda.<\/p>\n

\n

La retracci\u00f3n interanual de las ventas en el primer bimestre del a\u00f1o fue de 8,4%. En relaci\u00f3n a 2023, el desplome alcanza el 40 por ciento (CIAI)<\/p>\n<\/blockquote>\n

El \u00faltimo informe de la entidad precis\u00f3 que la retracci\u00f3n interanual de las ventas en el primer bimestre del a\u00f1o fue de 8,4%. En relaci\u00f3n a 2023, el desplome alcanza el 40 por ciento.<\/p>\n

\u201cNo se vende nada, ni lo caro ni lo barato, ni lo importado ni lo nacional\u201d, dijo Drescher y agreg\u00f3: \u201cLas 12 cuotas son el signo de la desesperaci\u00f3n, un manotazo de ahogado\u201d. <\/p>\n

\"Drescher:<\/p>\n

Asimismo, Drescher subray\u00f3 que el alto costo financiero de los pagos a plazo (20%) golpea la rentabilidad de las empresas dado que no pueden trasladarlo a precios. \u201cHoy est\u00e1n perdiendo plata todos\u201d.<\/p>\n

En este marco, entre 2024 y 2025 cerraron 2.924 firmas en la cadena textil e indumentaria, 300 en la confecci\u00f3n industrial y 1.644 locales de ropa.<\/p>\n

Seg\u00fan el presidente de la CIAI, \u201cla crisis de consumo es profunda, estructural, compleja y el cr\u00e9dito y la baja de tasas solucionan solo una peque\u00f1a parte del problema. El tema es que a la gente no le alcanza la plata\u201d.<\/p>\n

\n

La crisis de consumo es profunda, estructural, compleja y el cr\u00e9dito y la baja de tasas solucionan solo una peque\u00f1a parte del problema (Drescher)<\/p>\n<\/blockquote>\n

El empresario enfatiz\u00f3 el aumento de la morosidad<\/a>: \u201cLas tarjetas tienen el nivel de incobrabilidad m\u00e1s alto de las \u00faltimas dos d\u00e9cadas\u201d. <\/p>\n

La problem\u00e1tica de la mora crediticia afecta tambi\u00e9n al sector de electrodom\u00e9sticos, donde las 12 cuotas sin inter\u00e9s existen desde hace tiempo para varios productos con determinadas tarjetas. Eduardo Echevarr\u00eda<\/b>, market CS manager de Nielsen, consider\u00f3 que estas alternativas no podr\u00e1n mantenerse mucho m\u00e1s, pese a que hay bastante stock sin vender, justamente porque la irregularidad es elevada tanto en bancos como empresas de retail<\/i>.<\/p>\n

Datos de la consultora EcoGo muestran que en diciembre pasado el atraso en los pagos de los cr\u00e9ditos otorgados por vendedores del rubro promedi\u00f3 el 41 por ciento.<\/p>\n

\"Seg\u00fan<\/p>\n

De todas maneras, aunque existe financiamiento, las ventas de electrodom\u00e9sticos y art\u00edculos del hogar se desplomaron 18,6% interanual real en el cuarto trimestre de 2025, seg\u00fan la consultora Vectorial. El principal motivo es la p\u00e9rdida del poder de compra del salario medio.<\/p>\n

Desde la Confederaci\u00f3n Argentina de la Mediana Empresa (CAME) se\u00f1alaron que en las pymes, todav\u00eda no se generalizan las ventas en 12 cuotas sin inter\u00e9s porque no existe un programa espec\u00edfico, como lo fue Cuota Simple, que los agrupe. \u201cSon acciones particulares, no colectivas\u201d, aclararon.<\/p>\n

\n

En las pyme, todav\u00eda no se generalizan las ventas en 12 cuotas sin inter\u00e9s porque no existe un programa espec\u00edfico, como lo fue Cuota Simple (CAME)<\/p>\n<\/blockquote>\n

Aun con la baja de tasas, el costo financiero sigue siendo alto (en torno al 30%), teniendo en cuenta el nivel de ventas y la carga impositiva. \u201cEstamos yendo a un escenario de m\u00e1rgenes de ganancia m\u00e1s acotados\u201d, dijeron a fuentes de CAME, y remarcaron la necesidad de mayor escala para sostener los negocios.<\/p>\n<\/div>\n<\/div>\n

\n

Esta noticia sobre \u00bfVuelven las 12 cuotas sin inter\u00e9s?: al sector de electrodom\u00e9sticos, se suman las marcas de ropa<\/strong> fue publicada originalmente en Infobae.com<\/a>. Puedes ampliar la informaci\u00f3n siguiendo el enlace a la fuente original: \u00bfVuelven las 12 cuotas sin inter\u00e9s?: al sector de electrodom\u00e9sticos, se suman las marcas de ropa<\/a>.<\/p>\n

Categor\u00eda: Noticia Infobae | Fecha: 4 April, 2026<\/small><\/p>\n","protected":false},"excerpt":{"rendered":"

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