{"id":4594,"date":"2023-08-15T08:29:32","date_gmt":"2023-08-15T11:29:32","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=4594"},"modified":"2023-08-15T08:29:32","modified_gmt":"2023-08-15T11:29:32","slug":"suba-de-tasas-cuanto-rinde-hoy-un-plazo-fijo-y-como-ganar-2-082-000-en-un-ano","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=4594","title":{"rendered":"Suba de tasas: cu\u00e1nto rinde hoy un plazo fijo y c\u00f3mo ganar $2.082.000 en un a\u00f1o"},"content":{"rendered":"

Medida tras las PASO<\/h2>\n
\n
El directorio del Banco Central dispuso una suba en las tasas de inter\u00e9s. El nuevo piso garantizado es del 118% por a\u00f1o, lo que representa un rendimiento anual efectivo del 208,2%.\u00a0Cu\u00e1nto rinden $100.000 a 30 d\u00edas y en un a\u00f1o<\/i>.<\/section>\n<\/header>\n
<\/div>\n
El Directorio del Banco Central (BCRA) subi\u00f3 la tasa de inter\u00e9s que pagan los plazos fijos de hasta $ 30 millones para personas humanas a 118% anual, equivalente a\u00a0una tasa efectiva anual (TEA) de 208,2%<\/b>, lo que significa un incremento de 21 puntos b\u00e1sicos respecto de la que estaba vigente hasta el viernes.<\/div>\n
<\/div>\n
De esta forma,\u00a0el rendimiento efectivo mensual de los dep\u00f3sitos en pesos a 30 d\u00edas pasa a ser de 9,7%<\/b>.<\/p>\n

“Para el resto de los dep\u00f3sitos a plazo fijo del sector privado la tasa m\u00ednima garantizada se establece en 111%, con un inter\u00e9s efectivo mensual de 9,12%”, detall\u00f3 la autoridad monetaria en un comunicado.<\/p>\n

El cambio llega luego de que el BCRA fijara este lunes un incremento de tasas de inter\u00e9s de las Letras de Liquidez (Leliq) con la que rige su pol\u00edtica monetaria -de 97% a 118%-, lo que impactar\u00e1 de manera inmediata en los dep\u00f3sitos a plazo fijo en pesos que se hagan desde hoy.<\/p>\n

En el caso de los dep\u00f3sitos de hasta 30 millones de pesos hechos por personas humanas, el nuevo piso garantizado de tasa nominal anual (TNA) ser\u00e1 del 118% -antes era de 97%- para los dep\u00f3sitos a 30 d\u00edas, lo que representa un rendimiento mensual del 9,7% y de 208,2% efectiva anual (TEA), en el caso de que se reinviertan cada 30 d\u00edas todos los meses el capital y los intereses obtenidos.<\/p>\n

Cu\u00e1nto rinden 100.000 pesos a 30 d\u00edas y en un a\u00f1o<\/b>
\nEsto quiere decir que si una persona hiciera\u00a0un plazo fijo por 30 d\u00edas de $100.000, al finalizar el plazo recibir\u00e1 $109.700<\/b>: los $100.000 que hab\u00eda depositado en un primer momento m\u00e1s un inter\u00e9s de $ 9.700.<\/p>\n

Si optara al final de ese mes hacer un nuevo plazo fijo por 30 d\u00edas con el dinero inicial m\u00e1s los $9.700 ganados en intereses, obtendr\u00eda al final del plazo $ 120.500, es decir, los $109.700 depositados a principio de mes m\u00e1s un inter\u00e9s de $ 10.800.<\/p>\n

En caso de no haber cambios en la tasa de inter\u00e9s durante el pr\u00f3ximo a\u00f1o,\u00a0si ante cada vencimiento la persona volviera a hacer un nuevo plazo fijo por 30 d\u00edas<\/b>\u00a0con el capital inicial y los intereses ganados,\u00a0en 12 meses tendr\u00eda $ 308.200, los $ 100.000 depositados inicialmente m\u00e1s un inter\u00e9s de $ 208.200<\/b>.<\/p>\n

Mientras tanto, si la inversi\u00f3n inicial es de 1.000.000 de pesos, a lo largo de 365 d\u00edas tendr\u00eda 3.082.000, es decir, una ganancia de 2.082.000 pesos<\/b>.<\/p>\n

Para los dep\u00f3sitos de m\u00e1s de $ 30 millones realizados por empresas (persona jur\u00eddicas), la tasa m\u00ednima garantizada ser\u00e1 del 111%, lo que representa una tasa efectiva anual de 189%.<\/p>\n

<\/figure>\n

Los bancos tambi\u00e9n ofrecen los plazos fijos “UVA + 1%” precancelables, como una opci\u00f3n de inversi\u00f3n a tasa real positiva para las personas ahorristas, ya que ofrecen una tasa m\u00ednima de 1% anual sobre la tasa de inter\u00e9s equivalente al \u00cdndice de Precios al Consumidor que informa el Indec m\u00e1s la tasa anual de 1 por ciento.<\/p>\n

Este mecanismo permite mantener el poder adquisitivo del ahorro y ganarle por un punto a la inflaci\u00f3n, si se cumple el plazo contractual de 90 d\u00edas.<\/p>\n

La particularidad de este producto es que dispone de la opci\u00f3n de pre cancelaci\u00f3n a partir de los 30 d\u00edas, aunque con una tasa de inter\u00e9s menor.<\/p>\n

Es obligatorio que todos los bancos ofrezcan en los home banking los plazos fijos “UVA + 1%” a trav\u00e9s de todos los medios, ya sea en las sucursales con presencia f\u00edsica o a trav\u00e9s de las plataformas electr\u00f3nicas. Fuente: El Once<\/p><\/div>\n

<\/div>\n
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Medida tras las PASO El directorio del Banco Central dispuso una suba en las tasas de inter\u00e9s. El nuevo piso garantizado es del 118% por a\u00f1o, lo que representa un rendimiento anual efectivo del 208,2%.\u00a0Cu\u00e1nto rinden $100.000 a 30 d\u00edas…<\/p>\n","protected":false},"author":2,"featured_media":4595,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-4594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nSuba de tasas: cu\u00e1nto rinde hoy un plazo fijo y c\u00f3mo ganar $2.082.000 en un a\u00f1o - 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=4594\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Suba de tasas: cu\u00e1nto rinde hoy un plazo fijo y c\u00f3mo ganar $2.082.000 en un a\u00f1o - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Medida tras las PASO El directorio del Banco Central dispuso una suba en las tasas de inter\u00e9s. El nuevo piso garantizado es del 118% por a\u00f1o, lo que representa un rendimiento anual efectivo del 208,2%.\u00a0Cu\u00e1nto rinden $100.000 a 30 d\u00edas...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nogoyatimes.com\/?p=4594\" \/>\n<meta property=\"og:site_name\" content=\"Nogoy\u00e1 Times\" \/>\n<meta property=\"article:published_time\" content=\"2023-08-15T11:29:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/nogoyatimes.com\/wp-content\/uploads\/2023\/08\/1-187.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"450\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nogoy\u00e1 Times\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nogoy\u00e1 Times\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594\"},\"author\":{\"name\":\"Nogoy\u00e1 Times\",\"@id\":\"http:\\\/\\\/nogoyatimes.com\\\/#\\\/schema\\\/person\\\/ada1fd8d2cdb970395179b53a1ff1759\"},\"headline\":\"Suba de tasas: cu\u00e1nto rinde hoy un plazo fijo y c\u00f3mo ganar $2.082.000 en un a\u00f1o\",\"datePublished\":\"2023-08-15T11:29:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594\"},\"wordCount\":698,\"publisher\":{\"@id\":\"http:\\\/\\\/nogoyatimes.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/nogoyatimes.com\\\/wp-content\\\/uploads\\\/2023\\\/08\\\/1-187.jpg\",\"articleSection\":[\"Econom\u00eda\",\"Nacionales\",\"Noticias\"],\"inLanguage\":\"es-AR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594\",\"url\":\"https:\\\/\\\/nogoyatimes.com\\\/?p=4594\",\"name\":\"Suba de tasas: cu\u00e1nto rinde hoy un plazo fijo y c\u00f3mo ganar $2.082.000 en un a\u00f1o - 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