{"id":30195,"date":"2026-10-12T16:45:24","date_gmt":"2026-10-12T19:45:24","guid":{"rendered":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=30195"},"modified":"2026-10-12T16:45:24","modified_gmt":"2026-10-12T19:45:24","slug":"la-dura-queja-de-marcos-galperin-contra-la-norma-del-bcra-que-obliga-a-informar-el-costo-financiero-de-los-prestamos-de-su-app","status":"publish","type":"post","link":"https:\/\/cliente1.publisher.highstack.com.ar\/?p=30195","title":{"rendered":"La dura queja de Marcos Galperin contra la norma del BCRA que obliga a informar el costo financiero de los pr\u00e9stamos de su app"},"content":{"rendered":"<div class=\"ai-tools\"><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-listen\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M14.99 9.22417C14.89 8.65466 14.5799 8.25501 14.0497 8.0352C14.0096 8.01522 13.9696 7.94528 13.9696 7.90532C13.9196 6.81627 13.6395 5.79716 13.0493 4.86797C12.0589 3.28934 10.6484 2.3102 8.80779 2.06042C6.8771 1.80064 5.1965 2.38014 3.81601 3.76893C2.69561 4.89794 2.10539 6.28673 2.04537 7.89533C2.04537 7.97526 2.01536 8.00523 1.94534 8.0352C1.35513 8.29498 1.03501 8.77456 1.01501 9.42399C0.994998 10.4731 0.994998 11.5222 1.01501 12.5712C1.02501 13.2507 1.53519 13.8701 2.19543 13.96C2.64559 14.02 3.10575 13.97 3.58592 13.97V13.8102C3.58592 11.9818 3.58592 10.1434 3.58592 8.31496C3.58592 7.93529 3.61593 7.54563 3.69596 7.16596C3.88603 6.2068 4.34619 5.38751 5.06645 4.73808C6.21686 3.69899 7.55734 3.34929 9.05788 3.71897C10.2483 4.00872 11.1486 4.7181 11.7889 5.78716C12.259 6.56648 12.4291 7.42573 12.4291 8.32495C12.4291 10.1534 12.4291 11.9918 12.4291 13.8301V14C12.8492 14 13.2494 14 13.6495 14C14.0497 13.99 14.3698 13.8002 14.6299 13.5004C14.8299 13.2706 14.93 12.9909 15 12.6911V9.29411C15 9.29411 14.98 9.26413 14.98 9.24415L14.99 9.22417Z\" fill=\"#e46211\"><\/path><path d=\"M5.08646 8.4948C5.04645 8.18507 4.74634 7.98525 4.45623 8.06518C4.21615 8.13512 4.0761 8.32495 4.0761 8.60471C4.0761 9.40401 4.0761 10.2133 4.0761 11.0126C4.0761 11.8119 4.0761 12.6312 4.0761 13.4505C4.0761 13.8401 4.44623 14.0899 4.78635 13.9401C5.03644 13.8301 5.10647 13.6203 5.10647 13.3606C5.10647 11.8019 5.10647 10.2333 5.10647 8.67464C5.10647 8.6147 5.10647 8.55475 5.09646 8.4948H5.08646Z\" fill=\"#e46211\"><\/path><path d=\"M11.2587 8.08516C11.0386 8.16509 10.9185 8.36492 10.9185 8.66465C10.9185 10.2333 10.9185 11.8119 10.9185 13.3805C10.9185 13.4405 10.9185 13.4904 10.9285 13.5504C10.9586 13.7902 11.1686 13.98 11.4087 13.99C11.7188 14 11.9489 13.7802 11.9489 13.4405C11.9489 12.6412 11.9489 11.8319 11.9489 11.0326V10.1933C11.9489 9.65379 11.9489 9.10427 11.9489 8.56474C11.9489 8.19506 11.5888 7.95527 11.2587 8.08516Z\" fill=\"#e46211\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Escuchar<\/span><\/button><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-keypoints\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M5.99679 1H12.4609C13.0887 1 13.6 1.52731 13.6 2.17489V13.8251C13.6 14.4727 13.0887 15 12.4609 15H3.53913C2.91126 15 2.39999 14.4727 2.39999 13.8251V9.19802V4.57092L5.99679 1Z\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M2.39999 5.38502H6.94416V3.94555V1\" stroke=\"#e46211\" stroke-width=\"1.2\" stroke-miterlimit=\"10\"><\/path><path d=\"M10.491 12.2L5.50657 12.2C5.32834 12.2 5.2037 11.8667 5.20008 11.517C5.19587 11.1484 5.32111 10.8 5.50657 10.8L10.4813 10.8C10.6632 10.8 10.795 11.105 10.7998 11.4804C10.8047 11.8341 10.6842 12.2 10.491 12.2Z\" fill=\"#e46211\"><\/path><path d=\"M10.491 9.4L5.50657 9.4C5.32834 9.4 5.2037 9.0666 5.20008 8.71694C5.19587 8.34831 5.32111 8 5.50657 8L10.4813 8C10.6632 8 10.795 8.30494 10.7998 8.68035C10.8047 9.03408 10.6842 9.4 10.491 9.4Z\" fill=\"#e46211\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Puntos clave<\/span><\/button><button type=\"button\" class=\"ai-tools-item\" aria-pressed=\"false\" aria-busy=\"true\" disabled id=\"ai-tool-summary\"><span class=\"ai-tools-icon\"><svg width=\"16\" height=\"16\" viewbox=\"0 0 16 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M10.1798 2.50989H2.00488C1.45082 2.50989 0.999667 2.97515 0.999667 3.54653V13.8259C0.999667 14.3973 1.45082 14.8626 2.00488 14.8626H9.87772C10.4318 14.8626 10.8829 14.3973 10.8829 13.8259V9.74329V8.13118\" stroke=\"#e46211\" stroke-width=\"1.5\" stroke-miterlimit=\"10\"><\/path><path d=\"M10.1892 0.937134C10.6648 0.938475 11.1562 1.16366 11.4167 1.62561C11.55 1.86167 11.6275 2.09395 11.6863 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7.3487 6.17847 7.27405C5.75409 7.12455 5.32309 6.86818 5.22729 6.30334C5.147 5.82785 5.20205 5.46325 5.37769 5.1842C5.55162 4.90818 5.8236 4.74853 6.1062 4.63733C6.38303 4.52841 6.70997 4.45202 6.99292 4.36975C7.28806 4.28393 7.55375 4.18824 7.76538 4.03772L7.93726 3.90491C8.30541 3.59437 8.45094 3.27848 8.54761 2.94592C8.60838 2.73677 8.64117 2.55614 8.70288 2.32092C8.76088 2.09995 8.83661 1.86635 8.96655 1.62756L9.073 1.4635C9.34447 1.10658 9.7727 0.936014 10.1892 0.937134ZM10.1785 3.151C9.91182 3.94374 9.55711 4.56476 9.04956 5.04163C8.6241 5.44134 8.10162 5.72923 7.45972 5.93909C8.77264 6.36001 9.87121 7.38936 10.2097 8.74377C10.4707 7.9695 10.8197 7.33816 11.3201 6.85217C11.7453 6.43925 12.271 6.142 12.9216 5.94495C11.6239 5.4965 10.5274 4.50683 10.1785 3.151Z\" fill=\"#e46211\" stroke=\"var(--gray-10)\" stroke-width=\"0.4\"><\/path><\/svg><\/span><span class=\"ai-tools-label\">Resumen<\/span><\/button><\/div>\n<div class=\"visual__image image-initial-width\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=992&amp;height=558&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=768&amp;height=432&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=577&amp;height=325&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=420&amp;height=236&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Marcos Galperin portada\" class=\"global-image\" decoding=\"async\" fetchpriority=\"high\" height=\"1080\" loading=\"eager\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/G4PIACV7LRGFLEM2RSRCHIIU7Y.jpg?auth=b0a3e27ce0211679902280c540e2fb24229d768252d77dcbee3a40b434db16bd&amp;smart=true&amp;width=350&amp;height=197&amp;quality=85\" width=\"1920\"><\/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\">12 Oct, 2026 02:43 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 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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\">El costo de un pr\u00e9stamo puede expresarse de distintas maneras y no siempre resulta claro cu\u00e1l es el n\u00famero que refleja lo que realmente paga quien toma un cr\u00e9dito. Tasa nominal, tasa efectiva, <b>Costo Financiero Total (CFT)<\/b>: cada indicador responde a un c\u00e1lculo diferente, y la normativa del<b> Banco Central de la Rep\u00fablica Argentina (BCRA)<\/b> establece qu\u00e9 debe mostrar exactamente una entidad financiera a sus clientes.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-1\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"2\"><b>Marcos Galper\u00edn<\/b>, el fundador de <b>Mercado Libre<\/b>, cuestion\u00f3 dicha normativa y asegur\u00f3 que la informaci\u00f3n que el BCRA obliga a compartir con los usuarios puede ser \u201cfalsa\u201d e \u201cincorrecta\u201d. <\/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\">Todo comenz\u00f3 con una publicaci\u00f3n del economista <b>Agust\u00edn Etchebarne<\/b> en la red social X. Bajo el encabezado \u201cEducaci\u00f3n financiera b\u00e1sica\u201d, escribi\u00f3: \u201cJam\u00e1s tomes un pr\u00e9stamo a tasas altas. Tienes que mirar el costo financiero total. Es preferible ahorrar y que los intereses jueguen a tu favor\u201d. El mensaje inclu\u00eda la captura de pantalla de una simulaci\u00f3n de pr\u00e9stamo de Mercado Pago, en la que el usuario recibe $10.000 en su cuenta y paga 12 cuotas fijas de $1.208,02, para un total a pagar de $14.496,24. La pantalla muestra adem\u00e1s una Tasa Nominal Anual (TNA) de 60%, una Tasa Efectiva Anual (TEA) de 79,59% y un<b> Costo Financiero Total Efectivo Anual (CFTEA) de 102,36 por ciento<\/b>. Este \u00faltimo dato aparece resaltado con un trazo verde, y la imagen incluye la leyenda<b> \u201cBaratitos los pr\u00e9stamos de MELI\u201d.<\/b><\/p>\n<div class=\"marfeel-recommender marfeel-recommender-3\"><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"4\">Marcos Galper\u00edn respondi\u00f3 a esa publicaci\u00f3n con el siguiente mensaje: \u201cEl \u2018Costo Financiero Total Efectivo Anual\u2019 que el BCRA obliga a publicar es<b> FALSO, INCORRECTO (y por ende INFLACIONADO). <\/b>Asume que el inter\u00e9s se capitaliza (pag\u00e1s inter\u00e9s sobre los intereses) y que el pr\u00e9stamo se renueva a lo largo de un a\u00f1o cada vez que vence. En decenas de millones de pr\u00e9stamos otorgados, eso no ocurre NUNCA\u201d. <\/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\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=992&amp;height=314&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=768&amp;height=243&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=577&amp;height=182&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=420&amp;height=133&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=350&amp;height=111&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Captura de pantalla de una publicaci\u00f3n en la red social X redactada por la cuenta verificada de Marcos Galperin\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"210\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/MPKU3BHA2RFWTHUSAI6QUGFQZU.jpg?auth=2907fe55b355c70afa344257b36d4458259a6fd03ded772388ff9607e45f077e&amp;smart=true&amp;width=350&amp;height=111&amp;quality=85\" width=\"664\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"5\">El cuestionamiento del fundador de Mercado Libre se dirige, as\u00ed, al indicador que el BCRA exige publicar y a los supuestos con los que, seg\u00fan plantea, se calcula.<\/p>\n<div class=\"marfeel-recommender marfeel-recommender-5\"><\/div>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"que-establece-la-normativa-del-bcra\">Qu\u00e9 establece la normativa del BCRA<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"6\">Las normas sobre<b> \u201cTasas de inter\u00e9s en las operaciones de cr\u00e9dito\u201d<\/b> disponen que las tasas deben expresarse de forma homog\u00e9nea y transparente, con el objetivo de que los usuarios del cr\u00e9dito cuenten con \u201celementos comparables para su evaluaci\u00f3n\u201d. Para eso, en los contratos, recibos y dem\u00e1s documentos donde se detallen tasas o importes de intereses, debe constar la <b>tasa de inter\u00e9s anual pactada, la tasa efectiva anual, si la tasa es fija o variable y el Costo Financiero Total (CFT)<\/b>. Cuando se publicita un cr\u00e9dito y se menciona la cantidad de cuotas, su importe o la tasa de inter\u00e9s, la publicidad debe exponer de forma legible y destacada la TNA, la TEA, el CFT y el car\u00e1cter fijo o variable de la tasa.<\/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<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=992&amp;height=1071&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=768&amp;height=829&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=577&amp;height=623&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=420&amp;height=454&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=350&amp;height=378&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Tuit Agust\u00edn Etchebarne\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"785\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/WJHU7ZJEYZDI7BRNLOB5BRW5NQ.jpg?auth=d0d566eeb468a95eb6a3e30eb926c6b41a15b67bfe5a00ba48ef29be2dfbcafb&amp;smart=true&amp;width=350&amp;height=378&amp;quality=85\" width=\"727\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"7\">La norma tambi\u00e9n regula c\u00f3mo se muestra el dato. En una publicidad, el CFT debe colocarse en una tipograf\u00eda de color destacado y de un tama\u00f1o al menos cinco veces mayor que el utilizado para informar la TNA. En los documentos de relaci\u00f3n con usuarios de servicios financieros, el valor num\u00e9rico del CFT y el signo \u201c%\u201d deben identificarse de manera legible y destacada: con al menos el doble del tama\u00f1o del resto de la informaci\u00f3n, o con una tipograf\u00eda resaltada o un color distinto. Estas exigencias alcanzan a las entidades financieras y tambi\u00e9n a los proveedores no financieros de cr\u00e9dito comprendidos en las normas del BCRA.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"que-es-el-cft-y-en-que-se-diferencia-del-cftea\">Qu\u00e9 es el CFT y en qu\u00e9 se diferencia del CFTEA<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"8\">En su sitio web, el BCRA define al CFT de la siguiente manera: \u201cEl Costo Financiero Total (CFT) es la principal variable que se debe tener en cuenta al elegir un pr\u00e9stamo personal, prendario o hipotecario, ya que<b> es el mejor indicador del costo global que deber\u00e1 afrontar el cliente<\/b>. El CFT est\u00e1 compuesto por la tasa de inter\u00e9s nominal anual (TNA) y por todos aquellos costos asociados a la operaci\u00f3n que impliquen la retribuci\u00f3n de un servicio efectivamente prestado o un genuino reintegro de gastos\u201d. Y agrega: \u201cEl CFT se expresa en forma de tasa de inter\u00e9s nominal anual, en tanto por ciento con dos decimales\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 class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=992&amp;height=699&amp;quality=85\" media=\"(min-width: 1000px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=768&amp;height=541&amp;quality=85\" media=\"(min-width: 768px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=577&amp;height=407&amp;quality=85\" media=\"(min-width: 580px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=420&amp;height=296&amp;quality=85\" media=\"(min-width: 350px)\"><\/source><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=350&amp;height=247&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt=\"Mercado Pago - Inclusi\u00f3n Financiera\" class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"816\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/DLILWHDO35AVXLNABOPQMQRXXM.png?auth=2341e62d1efaf8af17479f7e0dbc9b79be5760bcb20b5a51eba7be1a0fbcfac6&amp;smart=true&amp;width=350&amp;height=247&amp;quality=85\" width=\"1158\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"9\">La normativa, por su parte, establece que <b>\u201cel CFT se expresar\u00e1 en forma de tasa efectiva anual,<\/b> en tanto por ciento con al menos un decimal, y se determinar\u00e1 agregando a la tasa de inter\u00e9s el efecto de las comisiones y cargos asociados a la operaci\u00f3n, cualquiera sea su concepto\u201d. El texto detalla qu\u00e9 conceptos se computan, entre ellos las primas de seguros requeridas como condici\u00f3n para obtener el cr\u00e9dito, los gastos de apertura y mantenimiento de cuentas asociadas a la financiaci\u00f3n y el IVA sobre los intereses cuando quien toma el pr\u00e9stamo es consumidor final. Otros conceptos, como los impuestos que gravan los pr\u00e9stamos personales y prendarios, no se incluyen en el c\u00e1lculo.<\/p>\n<p class=\"paragraph\" data-paragraph-number=\"10\">La diferencia entre el CFT y el CFTEA est\u00e1, entonces, en la forma de expresarlo: el CFTEA es el costo financiero total expresado como tasa efectiva anual, que es la que la norma establece. La TNA es la tasa de inter\u00e9s que se aplica sobre el capital sin contemplar que los intereses se acumulan per\u00edodo a per\u00edodo. La TEA s\u00ed incorpora esa capitalizaci\u00f3n. <\/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=\"11\">En la simulaci\u00f3n difundida por Etchebarne, una TNA de 60% equivale a una tasa mensual de 5%; aplicada mes a mes durante un a\u00f1o, con los intereses acumul\u00e1ndose, da como resultado la TEA de 79,59%. A esa TEA, el CFTEA le suma los cargos y los impuestos asociados al pr\u00e9stamo, y en la simulaci\u00f3n llega a 102,36%. A esa capitalizaci\u00f3n de los intereses remite el planteo de Galper\u00edn cuando se\u00f1ala que el indicador asume que se paga \u201cinter\u00e9s sobre los intereses\u201d.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"las-recomendaciones-del-bcra-a-los-usuarios\">Las recomendaciones del BCRA a los usuarios<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"12\">Adem\u00e1s de la normativa, el BCRA difunde recomendaciones para quienes piden un pr\u00e9stamo personal. El organismo indica que, antes de aceptar, conviene comparar opciones y revisar cu\u00e1nto dinero se recibir\u00e1, cu\u00e1nto se pagar\u00e1 por mes, cu\u00e1nto se devolver\u00e1 en total, la cantidad de cuotas, el plazo, el CFT y qu\u00e9 sucede si hay una demora en el pago. Sobre la cuota, se\u00f1ala que no alcanza para comparar: \u201cLa cuota, por s\u00ed sola, no alcanza para saber cu\u00e1nto cuesta un pr\u00e9stamo\u201d.<\/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<div class=\"visual__image\"><picture><source srcset=\"https:\/\/www.infobae.com\/resizer\/v2\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&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\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&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\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&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\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&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\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" media=\"(min-width: 80px)\"><\/source><img alt='Primer plano de una persona sujetando un smartphone con ambas manos. La pantalla del tel\u00e9fono muestra una interfaz con el t\u00edtulo \"Pedir pr\u00e9stamo\".' class=\"global-image\" decoding=\"async\" fetchpriority=\"low\" height=\"1536\" loading=\"lazy\" src=\"https:\/\/www.infobae.com\/resizer\/v2\/NMI3UMPKANETJM6WU62PRTQ4EM.png?auth=0f07439266f0d1df6903cfa8e420ef1e20216deb2df8c635732e39e3d92f5b80&amp;smart=true&amp;width=350&amp;height=195&amp;quality=85\" width=\"2752\"><\/picture><\/div>\n<p class=\"paragraph\" data-paragraph-number=\"13\">Sobre el CFT, el BCRA sostiene que <b>\u201cmuestra cu\u00e1nto cuesta realmente un pr\u00e9stamo.<\/b> Incluye intereses, comisiones, seguros, IVA y otros cargos\u201d. Por eso, recomienda mirar ese dato y no solo la cuota o la tasa de inter\u00e9s, ya que la TNA, explica, \u201cmuestra \u00fanicamente la tasa de inter\u00e9s\u201d. El organismo agrega que el CFT se expresa como una tasa anual y permite comparar el costo de distintas alternativas de financiaci\u00f3n, y que para saber cu\u00e1nto se devolver\u00e1 en total tambi\u00e9n hay que considerar el monto recibido, el plazo y las cuotas. Finalmente, recomienda revisar las fechas de vencimiento y conocer qu\u00e9 cargos o consecuencias est\u00e1n previstos en caso de demora.<\/p>\n<h2 class=\"text-align-left vertical-align-top line-height-100 header headline-class-h2 headline\" id=\"las-tasas-de-mercado-pago\">Las tasas de Mercado Pago<\/h2>\n<p class=\"paragraph\" data-paragraph-number=\"14\">No es la primera vez que se discute p\u00fablicamente sobre el valor de las tasas de inter\u00e9s de los pr\u00e9stamos otorgados por las empresas. En agosto, cuando se difundi\u00f3 que <a rel=\"noopener noreferrer\" href=\"https:\/\/www.infobae.com\/economia\/2026\/08\/14\/por-que-la-billetera-virtual-mas-grande-de-la-argentina-cobra-intereses-de-hasta-1375-en-sus-prestamos\/\" target=\"_blank\" title=\"https:\/\/www.infobae.com\/economia\/2026\/08\/14\/por-que-la-billetera-virtual-mas-grande-de-la-argentina-cobra-intereses-de-hasta-1375-en-sus-prestamos\/\">Mercado Pago cobraba intereses de hasta 1.375% por sus pr\u00e9stamos<\/a>, la empresa explic\u00f3 cu\u00e1les son las variables que entran en juega la momento de determinar el costo del financiamiento. <\/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<p class=\"paragraph\" data-paragraph-number=\"15\">En concreto, desde Mercado Pago explicaron que la tasa de cada usuario se determina seg\u00fan su perfil de riesgo individual y mejora a medida que construye historial de pago. El CFTEA m\u00e1s alto corresponde a los montos m\u00e1s bajos y a usuarios sobre los que la compa\u00f1\u00eda todav\u00eda no tiene informaci\u00f3n suficiente, y cerca del 2% de los pr\u00e9stamos se otorga con ese valor. <\/p>\n<p class=\"paragraph\" data-paragraph-number=\"16\">En ese momento, la empresa tambi\u00e9n precis\u00f3 que \u201c<b>el CFTEA no equivale a lo que el usuario devuelve\u201d<\/b>: en un pr\u00e9stamo de $100.000 a una TNA de 50% en 12 cuotas, por ejemplo, el CFTEA podr\u00eda ubicarse en torno al 100%, pero el total a pagar rondar\u00eda los $135.000, porque \u201cel indicador expresa el costo como si el cr\u00e9dito se extendiera los doce meses, mientras que en la pr\u00e1ctica el capital se devuelve en cuotas\u201d.<\/p>\n<div class=\"ad_6 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_6\" data-ad-slot=\"infobae\/economia\/nota\/ad_6\" data-ad-container=\"dfp\" data-ad-slot-name=\"infobae\/economia\/nota\/ad_6\">\n<p class=\"ad-shell-label\">PUBLICIDAD<\/p>\n<div id=\"infobae\/economia\/nota\/ad_6\" class=\"infobae\/economia\/nota\/ad_6 arcad ad-slot-node ad-slot-node--boxed\" data-ad-slot-id=\"infobae\/economia\/nota\/ad_6\"><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>EscucharPuntos claveResumen 12 Oct, 2026 02:43 p. m. EST Guardar El costo de un pr\u00e9stamo puede expresarse de distintas maneras y no siempre resulta claro cu\u00e1l es el n\u00famero que refleja lo que realmente paga quien toma un cr\u00e9dito. Tasa nominal, tasa efectiva, Costo Financiero Total (CFT): cada indicador responde a un c\u00e1lculo diferente, y [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":30196,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-30195","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\/30195","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=30195"}],"version-history":[{"count":0,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/posts\/30195\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=\/wp\/v2\/media\/30196"}],"wp:attachment":[{"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=30195"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=30195"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/cliente1.publisher.highstack.com.ar\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=30195"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}