Hasta 30 cuotas para compras de electrodomésticos

El Gobierno lanzará la semana próxima un programa que se extenderá hasta fin de año destinado a financiar en 30 cuotas fijas la compra de televisores, aparatos de aire acondicionado y teléfonos celulares, en el marco de un acuerdo con fabricantes, cadenas de retail y supermercados.

Desde la Secretaría de Comercio indicaron a Télam que el programa, elaborado sobre la base de una propuesta de la Asociación de Fábricas Argentinas Terminales de Electrónica (Afarte), está destinado a la promoción de consumo y será una política puntual que durará hasta fin de año.

El ministro de Economía, Sergio Massa, dijo que el programa permitirá la compra de televisores con tecnología 4K, aparatos de aire acondicionado de mayor eficiencia energética y celulares a 30 cuotas con una tasa de interés que sea la mitad a la actual.

“Seguramente, no esta semana, sino la que viene, (la Secretaría de) Comercio, las empresas, los bancos y nosotros desde el Ministerio de Economía lo vamos a estar poniendo en marcha“, indicó.

Fuentes de Afarte señalaron que aún se están definiendo detalles del programa que comenzará a regir en los próximos días e incluirá TVs de tecnología 4k de 50, 55 y 58 pulgadas, aires acondicionados de eficiencia energética A y celulares de gama media y baja.

“La tasa será muy por debajo de la de mercado y la está gestionando Comercio con los bancos”, agregaron desde la Asociación.

Por su parte, la Confederación Argentina de la Mediana Empresa (CAME) manifestó su apoyo al plan de acceso a electrodomésticos en 30 cuotas fijas y señaló que le pedirá al Gobierno que lo extienda a los pequeños y medianos comercios.

El director del sector comercial de la entidad, Fabián Tarrío, dijo que desde la Confederación abogarán para que las pymes comerciales “también puedan tener las mismas posibilidades que les están dando a las grandes cadenas y a las grandes superficies”.

“Es bueno que se dinamice el consumo con un estímulo como el que el Gobierno propone conjuntamente con los fabricantes de televisores y el comercio”, señaló Tarrío en declaraciones a Télam Radio.

Por su parte, Gustavo Brusa, director de Negocios Hogar de BGH, dijo a Télam que “es relevante mantener una dinámica de consumo activa, que permita impulsar inversiones, renovar tecnología y desarrollar nuevos proyectos. Para esto, las políticas de financiamiento a largo plazo cumplen un rol fundamental, e impulsan las ventas”

Esta medida permitirá volver a financiar a tasa subsidiada la compra de celulares, rubro que se eliminó de Ahora 12 en octubre de 2020, y renueva la posibilidad de financiar en 30 cuotas, opción que estuvo incluida en el programa Ahora 12 hasta febrero de este año y luego se eliminó.

La Secretaría de Comercio señaló que el programa próximo a lanzarse no se enmarca en el plan Ahora 12, dado que tendrá una duración acotada desde su inicio y hasta fin de año, y en principio no se renovará.

Hasta febrero de este año, Ahora 12 incluía el plazo de financiamiento en 30 cuotas, pero en esa renovación esta opción se suprimió y se mantuvieron los planes de 3, 6, 12, 18 y 24 cuotas.

En ese momento, se explicó que se acuerdo con los datos de facturación y volumen de ventas, se había detectado que la financiación en 24 cuotas había tenido un incremento sostenido en la participación del programa desde su incorporación, mientras que la modalidad de 30 cuotas representaba menos de un punto de la facturación total del programa desde su incorporación, lo que motivó su eliminación.

En tanto, los celulares fueron suprimidos del programa Ahora 12 en octubre de 2020 debido a una “reasignación de recursos”.

De acuerdo con datos de Afarte, en el primer semestre de 2022 la industria electrónica facturó US$ 1.629 millones y se produjeron en Argentina 5.375.742 celulares, 1.369.857 televisores y 496.489 aires acondicionados.

En el mismo período, se vendieron 4.223.723 celulares (72% de gama media, 21% baja y 7% alta), 1.051.773 televisores y 374.069 aires acondicionados.

El 96% de los celulares, acondicionadores de aire, microondas, y electrónica para tu automóvil que se comercializan en Argentina, son de producción nacional.

En 2021, la industria electrónica logró recuperar los niveles de producción previos a la pandemia, con subas que llegan hasta el 78% si se las compara con 2019; el consumo, en tanto, no acompañó esos incrementos y se mantuvo por debajo de los porcentajes de variación de producción, especialmente en los rubros televisores y acondicionadores de aire, según la Asociación.

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