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18 de abril de 2024
Números en rojo
Nueve de cada diez familias argentinas se endeudaron durante la cuarentena martes 26 de mayo de 2020 07:17
El stock de endeudamiento de las familias creció 9,5% en mayo empujado por las deudas "no bancarias", que aumentaron 25,9%, de modo que casi nueve de cada diez familias (87,7%) acumuló compromisos de pago durante la cuarentena, según un informe elaborado por el Centro de Economía Regional y Experimental (CERX). Durante mayo, las deudas "bancarias" -créditos y pagos de tarjetas- sumaron $1.187.110 millones, mientras las "no bancarias" -préstamos de familiares y/o prestamistas, impuestos y expensas, entre otros- llegaron a $634 mil millones. Estas deuda comprendió a 12,1 millones de hogares por un monto total de $1.821.704 millones. "La mitad de los hogares que quedaron endeudados durante la pandemia eran hogares sin historia de deuda. Es deuda que se toma en momentos de crisis", dijo a Télam Victoria Giarrizzo, directora del CERX. En este sentido, el informe indica que el 49,5% de los hogares se endeudó consecuencia de la cuarentena y la pandemia, mientras que el 23% arrastraba compromisos asumidos con anterioridad. El mayor porcentaje de nuevas deudas fueron las "no bancarias", que aumentaron un 25,9% producto de la mora en el pago de impuestos, servicios y deudas con familiares o amigos de modo que, frente a abril, cerca de 955 mil hogares se sumaron a los hogares endeudados. Si bien durante este último mes la deuda bancaria subió sólo un 2,4% y las ayudas del Estado y la flexibilización de la cuarentena hicieron que solo el 4,1% de los hogares argentinos tenga ingresos nulos, el 87,7% de las familias "quedó debiendo algo", sostuvo el informe. "El crédito en Argentina siempre fue caro, por eso las familias son reticentes a tomarlo. Sin embargo, con la recesión en 2018 empezaron a aumentar los créditos personales que, si bien ahora ya dejaron de subir, no se están pudiendo pagar, por lo que empiezan a crecer los intereses y las moras que los tornan impagables", analizó Giarrizzo. En promedio, cada familia adeudaba en mayo $ 150.686, monto que no incluye los costos asociados a moras y retrasos, que fueron en incremento con los días en cuarentena y podrían incrementar en más de 50% ese stock. "Estimamos que el Estado se va a encargar de asistir a las familias endeudadas con algún tipo de plan ya que, de otro modo, cuando se reactive la economía va a caer muy fuerte el consumo, ya que los ingresos se van a tener que destinar en gran parte al pago de deuda", sostuvo la directora del CERX. Al respecto, puntualizó que el principal problema se verá en los pagos de las cuotas de colegios privados, alquileres o expensas ya que "en marzo y abril habían ahorros pero también se van acabando y consumiendo". "Cuando se levante la palanca de la economía -sostuvo Giarrizzo- las familias van a tener menos del 40% de ingresos en términos reales y más deudas. Por eso creo que el Gobierno va a tener que ser contundente en ver cómo resolver este tema para habilitar una recuperación más rápida". La información recabada por el CERX surge del cruce de datos del Banco Central con una encuesta realizada a 6.089 hogares entre el 17 y 22 de mayo.