{"id":3776,"date":"2026-08-21T11:03:20","date_gmt":"2026-08-21T14:03:20","guid":{"rendered":"https:\/\/focusmarket.com.ar\/blog\/?p=3776"},"modified":"2026-08-21T11:27:17","modified_gmt":"2026-08-21T14:27:17","slug":"informe-creditos","status":"publish","type":"post","link":"https:\/\/focusmarket.com.ar\/blog\/informe-creditos\/","title":{"rendered":"INFORME CR\u00c9DITOS: \u00bfQue miran los argentinos antes de decidir?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Desde<strong>&nbsp;Focus Market&nbsp;<\/strong>elaboramos&nbsp;el siguiente&nbsp;Informe&nbsp;donde mostramos que priorizan los argentinos al momento de decidir tomar un Cr\u00e9dito.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>&#8220;Tomar un cr\u00e9dito no deber\u00eda evaluarse solamente por la tasa o por el monto de la cuota, sino fundamentalmente por la capacidad de repago. Antes de endeudarse, es clave analizar qu\u00e9 proporci\u00f3n de los ingresos quedar\u00e1 comprometida, la estabilidad y previsibilidad de esos ingresos, el plazo del financiamiento, la tasa \u2014fija o variable\u2014, la inflaci\u00f3n esperada y c\u00f3mo podr\u00eda evolucionar el costo de vida. La pregunta central no es simplemente \u201c\u00bfpuedo pagar esta cuota hoy?\u201d, sino \u201c\u00bfvoy a poder sostenerla durante todo el per\u00edodo del cr\u00e9dito, incluso si cambian mis ingresos o las condiciones econ\u00f3micas?\u201d. Evaluar estos factores permite evitar un nivel de endeudamiento que termine afectando el consumo, el ahorro y la estabilidad financiera del hogar como lo estamos viendo en el \u00edndice de Mora&#8221;<\/em>,&nbsp;<\/strong>detall\u00f3 Dami\u00e1n Di Pace Director de la Consultora Focus Market.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El <strong>38,19%<\/strong> se\u00f1ala que lo primero que observa es el <strong>Costo Total del Cr\u00e9dito<\/strong>, mientras que un <strong>28,92%<\/strong> se concentra en la <strong>tasa de inter\u00e9s<\/strong>. En conjunto, ambos factores re\u00fanen m\u00e1s del <strong>67% de las respuestas<\/strong>, evidenciando una fuerte preocupaci\u00f3n por el costo efectivo del financiamiento.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/www.axionenergy.com\/axionsmart\/\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"100\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/Banner-Damian-Di-Pace-03-1.gif\" alt=\"axion_flotas\" class=\"wp-image-3779\" style=\"width:820px;height:auto\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">En un segundo nivel aparece el <strong>valor de la cuota mensual<\/strong>, mencionado por el <strong>13,80%<\/strong>, seguido por la posibilidad de <strong>adelantar cuotas o cancelar anticipadamente el cr\u00e9dito<\/strong>, con un <strong>9,64%<\/strong>. Aspectos como la <strong>cantidad de cuotas (4,73%)<\/strong>, los <strong>requisitos de acceso (3,02%)<\/strong> y la <strong>rapidez de otorgamiento (1,51%)<\/strong> tienen una incidencia considerablemente menor.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En s\u00edntesis, los resultados indican que <strong>el consumidor eval\u00faa un cr\u00e9dito principalmente por cu\u00e1nto terminar\u00e1 pagando y por la tasa aplicada, antes que por la facilidad, rapidez o extensi\u00f3n del financiamiento<\/strong>.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-primero_credito-1024x683.jpg\" alt=\"\" class=\"wp-image-3777\" style=\"aspect-ratio:1.5088028169014085;width:857px;height:auto\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-primero_credito-1024x683.jpg 1024w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-primero_credito-300x200.jpg 300w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-primero_credito-768x512.jpg 768w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-primero_credito.jpg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><strong><em>Fuente: Focus Market<\/em><\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">El <strong>costo financiero<\/strong> aparece como el principal factor que determina la elecci\u00f3n de un cr\u00e9dito. El <strong>61,86%<\/strong> de los encuestados se\u00f1alan que lo m\u00e1s importante es <strong>pagar la menor cantidad de intereses posible<\/strong>, mostrando que el costo total del financiamiento pesa muy por encima de otros atributos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En segundo lugar, el <strong>14,62%<\/strong> prioriza que <strong>la cuota sea baja<\/strong>, mientras que el <strong>10,59%<\/strong> valora que el cr\u00e9dito sea otorgado por <strong>una entidad de confianza<\/strong>. Otros factores tienen una incidencia considerablemente menor: el <strong>7,42%<\/strong> busca tener pocas cuotas, y apenas el <strong>2,75%<\/strong> considera determinante tanto la rapidez de aprobaci\u00f3n como la cantidad de requisitos.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><a href=\"https:\/\/www.supervielle.com.ar\/personas\/beneficios\/aerolineas-argentinas-plus\"><img loading=\"lazy\" decoding=\"async\" width=\"728\" height=\"90\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/Banner_728x90.jpg\" alt=\"supervielle_agosto-2026\" class=\"wp-image-3743\" style=\"aspect-ratio:8.091524835012157;width:820px;height:auto\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/Banner_728x90.jpg 728w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/Banner_728x90-300x37.jpg 300w\" sizes=\"auto, (max-width: 728px) 100vw, 728px\" \/><\/a><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>En s\u00edntesis, los datos muestran que, al momento de endeudarse, los argentinos priorizan principalmente el costo del cr\u00e9dito por sobre la comodidad, la rapidez o la facilidad de acceso.<\/strong> Esto refleja una mayor sensibilidad hacia el precio del financiamiento y el impacto que tendr\u00e1 sobre el bolsillo.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-q-mas-influye_decision-final-1024x683.jpg\" alt=\"\" class=\"wp-image-3778\" style=\"aspect-ratio:1.5109612141652613;width:896px;height:auto\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-q-mas-influye_decision-final-1024x683.jpg 1024w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-q-mas-influye_decision-final-300x200.jpg 300w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-q-mas-influye_decision-final-768x512.jpg 768w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/08\/que-es-lo-q-mas-influye_decision-final.jpg 1536w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\"><strong><em>Fuente: Focus Market<\/em><\/strong><\/figcaption><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><strong><em>&#8220;Reducir la mora es fundamental para sanear el sistema financiero, pero no alcanza con refinanciar o reestructurar las deudas. Es necesario que ese proceso est\u00e9 acompa\u00f1ado por un escenario de reducci\u00f3n gradual y sostenible de las tasas de inter\u00e9s. Si logramos mejorar el stock de deuda de hogares y empresas, pero el costo de financiamiento contin\u00faa siendo elevado, el problema puede volver a aparecer: las cuotas seguir\u00e1n presionando sobre los ingresos, se dificultar\u00e1 la recuperaci\u00f3n del consumo y la inversi\u00f3n, y aumentar\u00e1 nuevamente el riesgo de incumplimiento. La salida sostenible requiere atacar las dos variables al mismo tiempo: mejorar la calidad del stock de deuda y reducir el costo del nuevo financiamiento. De lo contrario, simplemente estaremos reordenando una deuda que, con tasas altas, puede volver a generar problemas de mora en el futuro&#8221;<\/em>, explic\u00f3&nbsp;<\/strong>Dami\u00e1n Di Pace Director de la Consultora Focus Market.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/shop.lg.com.ar\/\"><img loading=\"lazy\" decoding=\"async\" width=\"935\" height=\"198\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2025\/12\/33x7-gradient-1.jpg\" alt=\"LG_public\" class=\"wp-image-3234\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2025\/12\/33x7-gradient-1.jpg 935w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2025\/12\/33x7-gradient-1-300x64.jpg 300w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2025\/12\/33x7-gradient-1-768x163.jpg 768w\" sizes=\"auto, (max-width: 935px) 100vw, 935px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"686\" height=\"13\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2024\/03\/image-3.png\" alt=\"linea\" class=\"wp-image-1441\" style=\"aspect-ratio:52.83152827918171;width:1057px;height:auto\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2024\/03\/image-3.png 686w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2024\/03\/image-3-300x6.png 300w\" sizes=\"auto, (max-width: 686px) 100vw, 686px\" \/><\/figure>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.focusmarket.com.ar\/conferencias-focus.html\"><img loading=\"lazy\" decoding=\"async\" width=\"1018\" height=\"720\" src=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/06\/Flyer_Conferencias_IA-2026.png\" alt=\"Conferencias_Damian Di Pace_2026\" class=\"wp-image-3670\" srcset=\"https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/06\/Flyer_Conferencias_IA-2026.png 1018w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/06\/Flyer_Conferencias_IA-2026-300x212.png 300w, https:\/\/focusmarket.com.ar\/blog\/wp-content\/uploads\/2026\/06\/Flyer_Conferencias_IA-2026-768x543.png 768w\" sizes=\"auto, (max-width: 1018px) 100vw, 1018px\" \/><\/a><\/figure>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Desde&nbsp;Focus Market&nbsp;elaboramos&nbsp;el siguiente&nbsp;Informe&nbsp;donde mostramos que priorizan los argentinos al momento de decidir tomar un Cr\u00e9dito. &#8220;Tomar un cr\u00e9dito no deber\u00eda evaluarse solamente por la tasa o por el monto de la cuota, sino fundamentalmente por la capacidad de repago. Antes de endeudarse, es clave analizar qu\u00e9 proporci\u00f3n de los ingresos quedar\u00e1 comprometida, la estabilidad y &#8230; <a title=\"INFORME CR\u00c9DITOS: \u00bfQue miran los argentinos antes de decidir?\" class=\"read-more\" href=\"https:\/\/focusmarket.com.ar\/blog\/informe-creditos\/\" aria-label=\"Leer m\u00e1s sobre INFORME CR\u00c9DITOS: \u00bfQue miran los argentinos antes de decidir?\">Leer m\u00e1s<\/a><\/p>\n","protected":false},"author":3,"featured_media":3782,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_members_access_role":[],"_members_access_error":""},"categories":[1],"tags":[37,49,358,66,7,9,29,26,31,27],"class_list":["post-3776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria","tag-alimentos","tag-aumentos","tag-credito","tag-dolar","tag-economia","tag-inflacion","tag-mercado","tag-precios","tag-pymes","tag-salario"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cr\u00e9ditos: \u00bfQu\u00e9 miran los argentinos antes de decidir?<\/title>\n<meta name=\"description\" content=\"Desde\u00a0Focus Market\u00a0elaboramos\u00a0el siguiente\u00a0Informe\u00a0donde mostramos que priorizan los argentinos al momento de decidir tomar un 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