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25 de abril de 2024
por las nubes
El sueño del 0km más lejos: cuotas que suben y planes de ahorro que caen lunes 22 de octubre de 2018 07:44 El salto del dólar de este año impactó fuerte en el rubro automotriz.
Luego de augurar un año récord de ventas para fin de año, el sector automotor en los últimos tres meses registró una fuerte caída en las ventas de unidades cero kilómetro. Y esta tendencia se evidenció sobre todo en la comercialización de vehículos a partir de opciones en cuotas.
Durante septiembre la caída de los planes de ahorro para un vehículo nuevo cayó un 50,9 %, respecto del mismo mes del año pasado, de acuerdo con los datos brindados por la Asociación de Concesionarios de la Argentina (ACARA).
El plan de ahorro se ha convertido en la última década en la herramienta financiera más utilizada para comprar un 0 km, por la accesibilidad que amplía para sectores medios. Del total de las ventas de vehículos, casi la mitad de las operaciones (48,5 %) se realizan utilizando algún tipo financiación y los planes se llevan la mitad de este porcentaje. El resto de las operaciones se realizan en efectivo.
La desventaja del mecanismo y que termina impactando en la merma de ventas es que en momentos de inflación y aumentos de precios de los vehículos, la cuota que se debe pagar mensualmente toma como referencia el precio de lista actual del modelo. Y el aumento del dólar afectó a los precios de los 0 km, por más sean fabricados en nuestro país, ya que las terminales automotrices aumentaron los precios de lista.