{"id":23954,"date":"2026-08-27T17:05:05","date_gmt":"2026-08-27T20:05:05","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=23954"},"modified":"2026-08-27T17:05:05","modified_gmt":"2026-08-27T20:05:05","slug":"en-pleno-debate-por-la-mora-record-el-bcra-publico-consejos-para-quienes-toman-un-prestamo-cuales-son-las-recomendaciones","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=23954","title":{"rendered":"En pleno debate por la mora r\u00e9cord, el BCRA public\u00f3 consejos para quienes toman un pr\u00e9stamo: cu\u00e1les son las recomendaciones"},"content":{"rendered":"<div class=\"visual__image image-initial-width\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=992&amp;height=656&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=768&amp;height=508&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=577&amp;height=382&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=420&amp;height=278&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=350&amp;height=231&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"El BCRA brind\u00f3 una serie de recomendaciones para tener en cuenta antes de tomar un pr\u00e9stamo personal. (REUTERS\/Agust\u00edn Marcarian)\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"3380\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/GJY2ANGGTZFOPGEZPALSL45GTA.JPG?auth=bb24b0a14b99fa162682ccc6ab23a52689eb486be66961a4076556d9baecf70c&amp;smart=true&amp;width=350&amp;height=231&amp;quality=85\" width=\"5112\"><\/picture><\/div>\n<div class=\"sharebar-container display_flex sharebar-new\" style=\"opacity:1\">\n<div class=\"share-bar-article-date-container \"><span class=\"sharebar-article-date\">27 Ago, 2026 03:45 p. m. EST<\/span><\/div>\n<div class=\"sharebar-buttons-container display_flex\">\n<div aria-label=\"Guardar\" class=\"sharebar-buttons button-save\" role=\"button\" tabindex=\"0\"><svg width=\"9\" height=\"12\" viewbox=\"0 0 8 10\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"saved-icon saved\"><path d=\"M6.64286 0.5V9.31687L4.1116 7.16407L4.11106 7.16361C3.79894 6.89891 3.34392 6.89891 3.03179 7.16361L3.03126 7.16407L0.5 9.31687V0.5H6.64286Z\"><\/path><\/svg><span class=\"buttons-save-text\">Guardar<\/span><\/div>\n<div class=\"sharebar-buttons-separator\"><\/div>\n<p><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Telegram\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M24.9696 12.5511L10.3405 18.0494C10.0623 18.151 9.92701 18.4484 10.0398 18.7168C10.0999 18.8619 10.2277 18.9779 10.3856 19.0214L14.1068 20.0805L15.4975 24.3312C15.6028 24.6576 15.9636 24.839 16.2944 24.7374C16.3921 24.7084 16.4823 24.6504 16.5575 24.5778L18.482 22.6846L22.2558 25.354C22.6091 25.6006 23.0977 25.5281 23.3533 25.1872C23.421 25.1001 23.4661 24.9986 23.4887 24.897L25.9845 13.3707C26.0672 12.979 25.8116 12.5946 25.4056 12.5148C25.2628 12.4858 25.1124 12.5003 24.9771 12.5511M23.1429 15.1116L16.347 20.9147C16.2793 20.9727 16.2342 21.0525 16.2267 21.1395L15.9636 23.381C15.9636 23.4172 15.926 23.4462 15.8884 23.439C15.8583 23.439 15.8358 23.4172 15.8283 23.3955L14.7533 20.0442C14.7007 19.8919 14.7683 19.7251 14.9111 19.638L22.9399 14.836C23.0226 14.7852 23.1353 14.8142 23.1804 14.894C23.2255 14.9666 23.2105 15.0536 23.1504 15.1116\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Linkedin\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M16.5556 27V16.2231H19.963V17.6949C20.0185 17.6368 20.0648 17.5787 20.1111 17.5206C20.8611 16.349 22.2037 15.739 23.537 15.981C25.3889 16.1359 26.8426 17.7046 26.9259 19.6411C26.9722 20.0478 27 20.4641 27 20.8708C27 22.817 27 24.7633 27 26.7095V26.9806H23.5741V26.6805C23.5741 24.8892 23.5741 23.0882 23.5741 21.2969C23.5741 20.8805 23.5278 20.4545 23.4259 20.0478C23.1945 19.1279 22.2963 18.5663 21.4074 18.8084C21.2037 18.8665 21 18.9633 20.8333 19.0989C20.3333 19.4281 20.0185 19.9897 19.9907 20.6094C19.9722 21.1419 19.9722 21.6842 19.9722 22.2167V26.9903H16.5648L16.5556 27ZM11.2222 27V16.2037H11.7407C12.6204 16.2037 13.5 16.2037 14.3796 16.2037C14.5833 16.2037 14.6482 16.2328 14.6482 16.4748V26.9903H11.2222V27ZM11.0093 12.8825C11.0093 11.8465 11.8055 11.0041 12.787 11.0041C12.8426 11.0041 12.8982 11.0041 12.9537 11.0041C13.9445 10.9363 14.7963 11.7206 14.8611 12.7567C14.8611 12.7954 14.8611 12.8438 14.8611 12.8825C14.8426 13.9283 14.0278 14.761 13.0278 14.7416C12.9907 14.7416 12.9537 14.7416 12.9259 14.7416H12.9074C11.9259 14.8191 11.0741 14.0445 11 13.0181C11 12.9697 11 12.931 11 12.8825H11.0093Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Twitter\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M11.0391 11L17.2165 19.8249L11 27H12.399L17.8415 20.7182L22.2389 27H27L20.475 17.6786L26.2613 11H24.8623L19.85 16.7855L15.8001 11H11.0391ZM13.0965 12.101H15.2838L24.9423 25.8987H22.7551L13.0965 12.101Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Facebook\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M17.3544 26.9921V18.9235H15V16.3346H17.3544V16.0805C17.3544 15.3816 17.3291 14.6748 17.3882 13.976C17.3882 12.8642 18.0633 11.8556 19.1266 11.3712C19.5232 11.1965 19.9452 11.0853 20.3755 11.0376C21.2532 10.9741 22.1308 10.99 23 11.0932V13.4201H22.7722C22.2743 13.4201 21.7848 13.4201 21.2869 13.436C20.73 13.4042 20.2489 13.8013 20.2152 14.3254C20.2152 14.373 20.2152 14.4128 20.2152 14.4604C20.1983 15.0481 20.2152 15.6357 20.2152 16.2234C20.2152 16.2552 20.2152 16.2949 20.2321 16.3267H22.9409C22.8228 17.2082 22.7046 18.0579 22.5865 18.9315H20.2236V27H17.3629L17.3544 26.9921Z\" fill=\"#555555\"><\/path><\/svg><\/button><button class=\"sharemenu-buttons display_flex\" aria-label=\"Compartir en Whatsapp\"><svg width=\"38\" height=\"38\" viewbox=\"0 0 38 38\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" fill=\"white\"><\/rect><rect x=\"0.5\" y=\"0.5\" width=\"37\" height=\"37\" rx=\"18.5\" stroke=\"#C2C2C2\"><\/rect><path d=\"M21.2863 19.9439C21.0997 19.8551 20.9664 19.9262 20.8419 20.0861C20.6731 20.3261 20.4687 20.5483 20.2909 20.7794C20.1665 20.9393 20.0243 20.9749 19.8376 20.8949C18.6645 20.4239 17.7757 19.6506 17.1269 18.5841C17.0292 18.4242 17.038 18.2997 17.1536 18.1575C17.3225 17.9531 17.4824 17.7576 17.6157 17.5354C17.678 17.4287 17.7135 17.2599 17.678 17.1532C17.4735 16.6111 17.2425 16.0867 17.0114 15.5535C16.9669 15.4557 16.8781 15.3313 16.7892 15.3224C16.4248 15.2602 16.0426 15.1891 15.7316 15.4912C15.1094 16.0778 14.8784 16.7977 15.0383 17.6243C15.1805 18.3619 15.5983 18.9663 16.0426 19.5618C16.887 20.6638 17.8646 21.6237 19.1622 22.1925C19.7932 22.4769 20.4331 22.7613 21.1441 22.7613C21.2685 22.7613 21.393 22.7613 21.5085 22.7346C22.4506 22.5391 23.1172 22.0058 23.0816 21.0193C23.0816 20.9216 23.0194 20.7794 22.9483 20.7438C22.3973 20.4594 21.8462 20.2017 21.2863 19.9439Z\" fill=\"#555555\"><\/path><path d=\"M26.9482 17.8724C26.3972 13.4642 22.1401 10.3447 17.7229 11.1179C12.6481 11.9977 9.71521 17.2859 11.6883 21.9963C12.1948 22.6629 12.0615 23.3472 11.8216 24.0849C11.5105 25.027 11.2794 26.0046 11.0039 27C11.1194 26.9733 11.1994 26.9644 11.2794 26.9378C12.5059 26.6178 13.7324 26.3068 14.9411 25.9868C15.1544 25.9335 15.3144 25.9602 15.5099 26.0579C17.1719 26.8667 18.9227 27.0978 20.718 26.7067C24.833 25.7913 27.4548 22.0496 26.9305 17.8902L26.9482 17.8724ZM20.0515 25.4624C18.4784 25.7113 17.003 25.3913 15.6166 24.6003C15.5099 24.5381 15.3411 24.5115 15.2077 24.547C14.4612 24.7248 13.7146 24.9292 12.9147 25.1336C13.1192 24.3693 13.3058 23.6672 13.5102 22.9473C13.5635 22.7606 13.5369 22.6273 13.4391 22.4673C11.0039 18.5479 13.1014 13.5442 17.6163 12.5043C21.2868 11.6511 25.0285 14.1841 25.5884 17.908C26.1395 21.5519 23.6954 24.8936 20.0515 25.4624Z\" fill=\"#555555\"><\/path><\/svg><\/button><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"1\">En un contexto de <a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/21\/tras-19-meses-de-suba-la-mora-de-los-creditos-a-las-familias-se-mantuvo-en-128\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/21\/tras-19-meses-de-suba-la-mora-de-los-creditos-a-las-familias-se-mantuvo-en-128\/\">morosidad en niveles r\u00e9cord<\/a>, el <b>Banco Central de la Rep\u00fablica Argentina (BCRA)<\/b> difundi\u00f3 una serie de recomendaciones dirigidas a quienes eval\u00faan solicitar <b>un pr\u00e9stamo personal<\/b>, una de las l\u00edneas que evidencia el mayor nivel de irregularidad.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\">El organismo monetario remarc\u00f3 la importancia de analizar en detalle las condiciones financieras antes de contraer este tipo de compromiso y sugiri\u00f3 comparar costos, tasas y requisitos para evitar dificultades futuras.<\/p>\n<div class=\"inline ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline\" data-ad-slot=\"infobae\/economia\/nota\/inline\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline\" class=\"infobae\/economia\/nota\/inline arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"3\">Seg\u00fan la entidad encabezada por <b>Santiago Bausili<\/b>, al estudiar alternativas de financiamiento, resulta fundamental <b>comparar el costo financiero total, las tasas de inter\u00e9s, los plazos y las condiciones de pago<\/b>. El texto oficial explica que revisar estos aspectos permite \u201cevaluar mejor las alternativas disponibles\u201d y conocer \u201ccu\u00e1nto costar\u00e1 el financiamiento y qu\u00e9 compromisos implica\u201d.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">El documento define al <b>pr\u00e9stamo personal<\/b> como \u201cun cr\u00e9dito de dinero que otorga una entidad financiera para un prop\u00f3sito espec\u00edfico, con el compromiso de devolverlo seg\u00fan las condiciones pactadas\u201d. Se recomienda informarse y entender <b>todos los costos<\/b> involucrados antes de suscribir cualquier contrato.<\/p>\n<div class=\"inline_2 ad-wrapper dfpAd ad-inline ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"inline_2\" data-ad-slot=\"infobae\/economia\/nota\/inline_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/inline_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/inline_2\" class=\"infobae\/economia\/nota\/inline_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/inline_2\"><\/div>\n<\/div>\n<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=992&amp;height=554&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=768&amp;height=429&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=577&amp;height=322&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=420&amp;height=234&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Primer plano de dos manos en un mostrador de madera, intercambiando un fajo de billetes de Pesos Argentinos a trav\u00e9s de una bandeja met\u00e1lica de ventanilla.\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1536\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/LFGPRCZNTFE5PMKWBWG4XG4RVM.png?auth=09b77a86705d99adbe8cbd7888bd0ec822dbbddafa7a482f06744c0433d49311&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" width=\"2752\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"5\">El <b>BCRA<\/b> detalla que, al analizar distintas opciones de cr\u00e9dito, los interesados deber\u00edan comparar lo siguiente:<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<ul data-icon=\"\u2b24\" class=\"list\">\n<li data-icon=\"\u2b24\"><span><b>Tasa de inter\u00e9s<\/b>: <b>Fija<\/b>: no cambia durante todo el plazo del pr\u00e9stamo. <b>Variable<\/b>: puede subir o bajar seg\u00fan la referencia acordada.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span><b>Costo Financiero Total (CFT)<\/b>: incluye intereses, comisiones, seguros y otros cargos. Es el indicador que muestra cu\u00e1nto se pagar\u00e1 en realidad.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span><b>Plazo y cantidad de cuotas<\/b>.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span><b>Comisiones<\/b>: existen cargos que no pueden cobrarse, como ciertas comisiones por cancelaci\u00f3n anticipada.<\/span><\/li>\n<\/ul>\n<p class=\"paragraph\" data-paragraph-number=\"6\">El organismo enfatiza la importancia de leer en detalle el contrato previo a la firma. \u201cAl firmar el contrato, est\u00e1s aceptando las obligaciones y derechos que figuran all\u00ed\u201d, advierte el <b>BCRA<\/b>. El comunicado agrega que, antes de suscribir, se debe:<\/p>\n<div class=\"ad_1 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_1\" data-ad-slot=\"infobae\/economia\/nota\/ad_1\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_1\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_1\" class=\"infobae\/economia\/nota\/ad_1 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_1\"><\/div>\n<\/div>\n<ul data-icon=\"\u2b24\" class=\"list\">\n<li data-icon=\"\u2b24\"><span>Le\u00e9 atentamente todas las cl\u00e1usulas.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>Verific\u00e1 que se detallen: \u2013 Condiciones del pr\u00e9stamo. \u2013 Tasas y comisiones. \u2013 Formas de pago. \u2013 Qu\u00e9 sucede si hay demora en el pago de las cuotas.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>Guard\u00e1 siempre una copia del contrato.<\/span><\/li>\n<\/ul>\n<p class=\"paragraph\" data-paragraph-number=\"7\">El <b>BCRA<\/b> tambi\u00e9n explica las posibles razones detr\u00e1s del rechazo de una solicitud de cr\u00e9dito. Entre los motivos m\u00e1s frecuentes se encuentran los <b>ingresos considerados insuficientes por la entidad<\/b>, la <b>falta o inconsistencia en la documentaci\u00f3n<\/b> y la <b>situaci\u00f3n en la Central de Deudores del sistema financiero<\/b>.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"8\">Para conocer la propia situaci\u00f3n crediticia, el organismo recomienda:<\/p>\n<ol data-icon=\"\u2b24\" class=\"list\">\n<li data-icon=\"\u2b24\"><span>Ingresar a la Central de Deudores del\u00a0<b>BCRA<\/b>.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>Escribir el CUIT o CUIL correspondiente.<\/span><\/li>\n<li data-icon=\"\u2b24\"><span>Consultar si existen deudas, con qu\u00e9 entidades, el monto y la situaci\u00f3n asignada.<\/span><\/li>\n<\/ol>\n<p class=\"paragraph\" data-paragraph-number=\"9\">Si la informaci\u00f3n registrada no coincide con la realidad, el <b>BCRA<\/b> indica que la persona debe dirigirse a la entidad que inform\u00f3 la deuda para solicitar la actualizaci\u00f3n o seguir los pasos que figuran en el apartado \u201c\u00bfQu\u00e9 puedo hacer si mi informaci\u00f3n en la Central de Deudores no est\u00e1 actualizada?\u201d.<\/p>\n<div class=\"ad_2 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_2\" data-ad-slot=\"infobae\/economia\/nota\/ad_2\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_2\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_2\" class=\"infobae\/economia\/nota\/ad_2 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_2\"><\/div>\n<\/div>\n<div id=\"fusion-static-enter:raw_html_raw_html14\" style=\"display:none\" data-fusion-component=\"raw_html_raw_html14\"><\/div>\n<div class=\"rawHTML raw_html \">\n<div style=\"position: relative; width: 100%; height: 0px; padding: 95.57% 0px 0px; overflow: hidden; will-change: transform;\"><iframe loading=\"lazy\" src=\"https:\/\/e.infogram.com\/77651ca5-3d82-430c-8a48-9b8807069a20?src=embed&amp;embed_type=responsive_iframe\" title=\"Mora mayo 2026\" allowfullscreen=\"\" allow=\"fullscreen\" style=\"position: absolute; width: 100%; height: 100%; top: 0px; left: 0px; border-width: medium; border-style: none; border-color: currentcolor; border-image: none; padding: 0px; margin: 0px;\"><\/iframe><\/div>\n<\/div>\n<div id=\"fusion-static-exit:raw_html_raw_html14\" style=\"display:none\" data-fusion-component=\"raw_html_raw_html14\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"10\">La serie de recomendaciones difundidas por el <b>BCRA<\/b> busca brindar herramientas para que los usuarios tomen decisiones informadas y eviten complicaciones al contratar productos financieros. <\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"la-mora-dejo-de-crecer\">La mora dej\u00f3 de crecer<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"11\">Durante junio, <b>el nivel de mora bancaria de las familias permaneci\u00f3 estable en 12,8%<\/b>, tras 19 meses consecutivos de incrementos, seg\u00fan el \u00faltimo Informe de Bancos publicado por el Banco Central.<\/p>\n<div class=\"ad_3 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_3\" data-ad-slot=\"infobae\/economia\/nota\/ad_3\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_3\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_3\" class=\"infobae\/economia\/nota\/ad_3 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_3\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"12\">En el mismo per\u00edodo, <b>la proporci\u00f3n de cr\u00e9ditos irregulares en el sector privado experiment\u00f3 una leve baja, alcanzando el 7,6%<\/b> de forma agregada. El BCRA destac\u00f3 que la evoluci\u00f3n de la mora present\u00f3 diferencias seg\u00fan el tipo de financiamiento. En el caso de las tarjetas de cr\u00e9dito, la morosidad descendi\u00f3 a 12,6%, lo que contribuy\u00f3 a estabilizar el promedio general del segmento familiar.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"13\">La comparaci\u00f3n interanual muestra que <b>la mora en los cr\u00e9ditos otorgados a hogares m\u00e1s que duplic\u00f3 su valor<\/b>: en junio de 2025, se ubicaba en 5,2%, mientras que en el mismo mes de 2026 trep\u00f3 a 12,8 por ciento.<\/p>\n<div class=\"ad_4 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_4\" data-ad-slot=\"infobae\/economia\/nota\/ad_4\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_4\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_4\" class=\"infobae\/economia\/nota\/ad_4 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_4\"><\/div>\n<\/div>\n<p class=\"paragraph\" data-paragraph-number=\"14\">El informe tambi\u00e9n se\u00f1al\u00f3 que los <b>pr\u00e9stamos personales y prendarios aumentaron su \u00edndice de mora durante junio, situ\u00e1ndose en 16,4% y 7,9%<\/b> respectivamente. Esta suba contrast\u00f3 con la estabilidad registrada en los cr\u00e9ditos hipotecarios, cuyo nivel de irregularidad se mantuvo en 1,6 por ciento. \u201cEl indicador de mora de las financiaciones a las familias se situ\u00f3 en 12,8%, con desempe\u00f1os heterog\u00e9neos entre las asistencias crediticias\u201d, expresa el documento oficial.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"15\">La autoridad monetaria precis\u00f3 que \u201cel desempe\u00f1o verificado en junio por el ratio de irregularidad del financiamiento al sector privado (y a las familias) estuvo explicado por una desaceleraci\u00f3n en el ritmo de crecimiento real de la cartera irregular (numerador del ratio; en parte derivado del env\u00edo a irrecuperables fuera de balance de deudores que hasta mayo estaban en situaci\u00f3n irregular) y un aumento real del financiamiento total (denominador del ratio)\u201d.<\/p>\n<div class=\"ad_5 ad-wrapper dfpAd ad-1-al-6 ad-text ad-component-container\" style=\"--ad-shell-height:250px;--ad-shell-width:300px\" data-ad-wrapper=\"arcad\" data-ad-type=\"ad_5\" data-ad-slot=\"infobae\/economia\/nota\/ad_5\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_5\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_5\" class=\"infobae\/economia\/nota\/ad_5 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_5\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>27 Ago, 2026 03:45 p. m. EST Guardar En un contexto de morosidad en niveles r\u00e9cord, el Banco Central de la Rep\u00fablica Argentina (BCRA) difundi\u00f3 una serie de recomendaciones dirigidas a quienes eval\u00faan solicitar un pr\u00e9stamo personal, una de las l\u00edneas que evidencia el mayor nivel de irregularidad. El organismo monetario remarc\u00f3 la importancia de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22821,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23954","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/23954","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=23954"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/23954\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/22821"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=23954"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=23954"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=23954"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}