Laura Garcia
10/19/2020 6:01 AM
Clarín.com
Economy
Updated 10/19/2020 6:01 AM
More and more customers are requesting the withdrawal of the card's official refinancing plan.
The one that was launched in April but above all, the one in September.
Most of them had entered because of
the automatic nature of the scheme
, which added those who did not pay the full balance, and now they want to back down.
It is that the "quotified" cannot buy dollars.
On September 15, they found out that with the new super-stock that credit aid (both the early quarantine and the one that had just started)
disabled the purchase of dollars,
one of the many groups that was left outside the quota of US $ 200 monthly.
And in these days of hot gap (130%), with a blue that jumped $ 7 only on Friday to close at $ 178,
the incentive to dollarize
wins the pulse
.
"Requests to withdraw from the plan increased (from September and April), especially from customers who
were quoted the balance
due to
'clueless'
and are now difficult to buy dollars," they acknowledge in a bank.
Those who are no longer so strangled in terms of income or directly entered the official plan due to
ignorance of the "
fine
print"
(which added by default instead of mediating a request), today they prefer to buy dollars.
Especially when in recent days, the gap has been expanding again, encouraging the sale of solidarity ($ 136) in the informal market ("mash").
Who can access the full quota of US $ 200 today, needs $ 27,200 and gets, by dumping it into the blue ($ 172), $ 34,400, that is, it can
make a difference of $ 7,200.
The regulations on refinancing provided that credit card statements that expired between September 1 and 30 could be financed
in twelve months, with three months of grace and nine fixed installments
, at a rate of 40% plus VAT.
"The financing plan is automatic and in the event that a payment is executed (for example, by automatic debit)
there is a period of 30 days to request the bank to reverse the operation,
" the Central Bank explained at the time. .
He also clarified that "people may
cancel fully or partially in advance, at any time and at no cost
, except the compensatory interest accrued until the time of payment."
In the entities they count: "We have this month
twice as many requests for
early
cancellation
of the plan than after the refinancing in April."
But the banks also show
a significant drop in the number of people who joined the plan in September
.
A lower financial hardship than in April on the part of the debtors may have had an influence, as well as
the impact of the arrival of the first installment in August
, included in the minimum payment -that is, it was necessary to pay in full every month-, which made very difficult for some to face the first disbursement of the accumulated debt.
In fact, that's where
the "refinancing of refinancing" in September.
"
In April, it was refinanced three times
what was refinanced at the end of August. In addition, 39% of the total balance that could be refinanced was refinanced in April and in September, 19%," they say in a bank.
In another, they comment: "In September 35% fewer accounts were refinanced than in April.
In September it was 22% of the total number of cards
. The total volume refinanced was 41.9% less."
Meanwhile, after the six months of grace, in November
the first installment of the so-called "zero rate" arrives
, the loans for monotributistas and / or self-employed, which were credited on the cards, another of the groups that are banned from the US $ 200.
According to the Central Bank, more than 543,700 of these loans were granted for $ 64,490 million
(94% of the already credited)
at the end of September.
