{"id":36217,"date":"2026-03-11T12:58:25","date_gmt":"2026-03-11T15:58:25","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=36217"},"modified":"2026-03-11T12:58:25","modified_gmt":"2026-03-11T15:58:25","slug":"habilitan-a-bancos-a-descontar-cuotas-de-creditos-del-salario-claves-de-la-medida","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=36217","title":{"rendered":"Habilitan a bancos a descontar cuotas de cr\u00e9ditos del salario: claves de la medida"},"content":{"rendered":"<h2>Con la reforma laboral<\/h2>\n<header class=\"cl-24 header-interior interior-top-1\">La posibilidad surge de una modificaci\u00f3n introducida en la reforma laboral; hasta ahora esta potestad era exclusiva de las mutuales sindicales. Los detalles.<\/header>\n<header><\/header>\n<header>El Gobierno introdujo en la reforma laboral una modificaci\u00f3n legal que les abre a\u00a0<u>los bancos la posibilidad de comenzar a ofrecer cr\u00e9ditos a sus clientes con descuento directo de las cuotas en las cuentas donde reciben sus ingresos laborales<\/u>.<\/p>\n<p>&nbsp;<\/p>\n<p>Lo hizo al incorporar en el art\u00edculo 36 de la Ley 27.802 (recientemente sancionada y publicada) una modificaci\u00f3n al art\u00edculo 132 de la Ley de Contrato de Trabajo (LCT), que habilita a las entidades bancarias a realizar descuentos directos de cr\u00e9ditos personales sobre los sueldos, una potestad que hasta ahora era exclusiva de las mutuales sindicales.<\/p>\n<p>La iniciativa fue impulsada especialmente por el ministro de Desregulaci\u00f3n y Transformaci\u00f3n del Estado, Federico Sturzenegger. Explicit\u00f3 que lo que se busca con esta modificaci\u00f3n es propiciar una baja en las altas tasas de inter\u00e9s que los bancos cobran hoy por los pr\u00e9stamos personales \u2014que en promedio fue del 69% anual nominal en febrero, lo que deja el costo efectivo total por encima del 100%\u2014 al reducir el riesgo de incobrabilidad.<\/p>\n<p>Se descuenta que es una opci\u00f3n que los bancos buscar\u00e1n aprovechar, sobre todo ahora que, desde hace un a\u00f1o, se viene incrementando la irregularidad en el cobro de este tipo de financiamiento, hasta alcanzar el mayor nivel de los \u00faltimos 25 a\u00f1os.<\/p>\n<figure class=\"embed\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/elonce-media.elonce.com\/fotos\/2025\/12\/19\/e_1766145491_91466.webp\" alt=\"\" width=\"600\" height=\"400\" \/><\/figure>\n<p>La norma no necesitar\u00eda de una reglamentaci\u00f3n del Banco Central (BCRA), seg\u00fan se inform\u00f3, dado que ya existe, aunque<b>\u00a0referida a los proveedores que hasta aqu\u00ed estaban habilitados a usar este esquema de recobro.\u00a0<\/b>\u201cPero no descartamos hacer alguna aclaraci\u00f3n m\u00e1s expresa para que los bancos la instrumenten, porque la idea es asegurar que esta iniciativa funcione\u201d, explicaron. Esto deja a la vista el inter\u00e9s oficial al respecto, en un momento en que crece la preocupaci\u00f3n por la tendencia al estancamiento que registra la actividad general.<\/p>\n<p>&nbsp;<\/p>\n<p>Sturzenegger explic\u00f3 que, hasta ahora, \u201csi un trabajador quer\u00eda un pr\u00e9stamo personal que se pudiera descontar de su n\u00f3mina \u2014lo cual baja sensiblemente la tasa de inter\u00e9s\u2014 solo pod\u00eda hacerlo con una mutual sindical\u201d, enfrentando \u201clas altas tasas que se cobraban en este mercado, ya que la modalidad era otro ejemplo de eso que llamamos cazar en el zool\u00f3gico\u201d.<\/p>\n<p>&nbsp;<\/p>\n<p>Luego afirm\u00f3 que el cambio abre la competencia en este tipo de financiamiento, lo que traer\u00eda \u201cmayores beneficios para la gente\u201d. Fue entonces cuando admiti\u00f3 que el Gobierno espera que esto provoque \u201cuna baja ostensible en el costo del cr\u00e9dito personal\u201d. Y agreg\u00f3: \u201cEsperemos que los bancos puedan desarrollar este mercado con rapidez, trayendo alivio en los costos de financiamiento para las familias\u201d.<\/p>\n<p>&nbsp;<\/p>\n<p>En concreto, la readecuaci\u00f3n permite ahora a los bancos otorgar cr\u00e9ditos con \u201cc\u00f3digo de descuento\u201d, lo que significa que la cuota se debitar\u00e1 de manera directa del sueldo en el momento en que se acredita, es decir, antes de que el beneficiario pueda disponer de su dinero, inform\u00f3\u00a0<i>La Naci\u00f3n.<\/i><\/p>\n<p>&nbsp;<\/p>\n<p>Esto es as\u00ed porque, al ceder el cliente esa posibilidad, las entidades quedan habilitadas a realizar una retenci\u00f3n autom\u00e1tica del ingreso para cobrarse la cuota, una herramienta de cobro pr\u00e1cticamente garantizado con la que el Gobierno busca alentar una mayor oferta \u2014y m\u00e1s barata\u2014 de este tipo de financiamiento, que hoy tambi\u00e9n se encuentra planchado, al igual que el resto del cr\u00e9dito en pesos. Fuente: El Once<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-2114\" src=\"http:\/\/nogoyatimes.com\/wp-content\/uploads\/2023\/07\/estancia-mendoza.png\" alt=\"\" width=\"720\" height=\"90\" srcset=\"https:\/\/nogoyatimes.com\/wp-content\/uploads\/2023\/07\/estancia-mendoza.png 720w, https:\/\/nogoyatimes.com\/wp-content\/uploads\/2023\/07\/estancia-mendoza-300x38.png 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/p>\n<p style=\"text-align: center\"><a href=\"http:\/\/nogoyaradios.com\/\"><strong>Escuch\u00e1 La 100 #Nogoy\u00e1<\/strong><\/a><strong>\u00a0en vivo<\/strong><strong>\u00a0Seguinos en\u00a0<\/strong><a href=\"https:\/\/www.facebook.com\/nogoyaradiosnog\"><strong>Facebook<\/strong><\/a><strong>\u00a0Seguinos en\u00a0<\/strong><a href=\"https:\/\/twitter.com\/NogoyaRadios\"><strong>Twitter<\/strong><\/a><\/p>\n<p style=\"text-align: center\"><strong><em>Nogoy\u00e1 Radios es una Agencia de Medios que cuenta con espacios publicitarios adecuados para la difusi\u00f3n de su Empresa, Profesi\u00f3n y\/o Servicios.<\/em><\/strong><a href=\"https:\/\/web.facebook.com\/hashtag\/nogoy%C3%A1\"><strong><em>#Nogoy\u00e1<\/em><\/strong><\/a><strong><em>\u00a0Radios\u00a0<\/em><\/strong><strong><em>3435-429289 \/ 3435-616203 contacto@nogoyaradios.com<\/em><\/strong><\/p>\n<\/header>\n","protected":false},"excerpt":{"rendered":"<p>Con la reforma laboral La posibilidad surge de una modificaci\u00f3n introducida en la reforma laboral; hasta ahora esta potestad era exclusiva de las mutuales sindicales. Los detalles. El Gobierno introdujo en la reforma laboral una modificaci\u00f3n legal que les abre&#8230;<\/p>\n","protected":false},"author":2,"featured_media":36218,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-36217","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Habilitan a bancos a descontar cuotas de cr\u00e9ditos del salario: claves de la medida - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=36217\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Habilitan a bancos a descontar cuotas de cr\u00e9ditos del salario: claves de la medida - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Con la reforma laboral La posibilidad surge de una modificaci\u00f3n introducida en la reforma laboral; hasta ahora esta potestad era exclusiva de las mutuales sindicales. 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