{"id":320516,"date":"2026-02-23T18:16:11","date_gmt":"2026-02-23T21:16:11","guid":{"rendered":"https:\/\/diariotextual.com\/inicio\/?p=320516"},"modified":"2026-02-23T18:16:12","modified_gmt":"2026-02-23T21:16:12","slug":"balance-economico-2025-la-mora-familiar-se-triplico-y-cerro-en-93","status":"publish","type":"post","link":"https:\/\/diariotextual.com\/inicio\/index.php\/2026\/02\/23\/balance-economico-2025-la-mora-familiar-se-triplico-y-cerro-en-93\/","title":{"rendered":"Balance econ\u00f3mico 2025: la mora familiar se triplic\u00f3 y cerr\u00f3 en 9,3%"},"content":{"rendered":"\n<p>El a\u00f1o pasado dej\u00f3 una radiograf\u00eda compleja para la econom\u00eda argentina. Mientras las variables financieras mostraron se\u00f1ales de estabilizaci\u00f3n -d\u00f3lar contenido, riesgo pa\u00eds en descenso y acumulaci\u00f3n de reservas- el frente dom\u00e9stico expuso una realidad m\u00e1s \u00e1spera: <strong>el crecimiento del cr\u00e9dito convivi\u00f3 con un deterioro acelerado en la capacidad de pago de los hogares<\/strong> y un salto significativo en los niveles de morosidad.<\/p>\n\n\n\n<p>Los datos del \u00faltimo <strong>Informe sobre Bancos del Banco Central de la Rep\u00fablica Argentina (BCRA) confirman que el sistema financiero cerr\u00f3 el a\u00f1o pasado con un marcado deterioro en la calidad de la cartera<\/strong>, impulsado principalmente por el segmento de hogares. El ratio de irregularidad de los cr\u00e9ditos a familias alcanz\u00f3 el 9,3% en diciembre, m\u00e1s del triple del 2,5% registrado en el mismo mes de 2024. En t\u00e9rminos sist\u00e9micos, la mora total del cr\u00e9dito al sector privado trep\u00f3 al 5,5%, frente al 1,6% del a\u00f1o anterior.<\/p>\n\n\n\n<p>El aumento no es homog\u00e9neo. <strong>Mientras la irregularidad en empresas se ubic\u00f3 en 2,5% (desde 0,8% un a\u00f1o atr\u00e1s), en los hogares el salto fue mucho m\u00e1s pronunciado<\/strong>. El propio BCRA se\u00f1ala que los pr\u00e9stamos personales y las l\u00edneas con garant\u00eda prendaria explican buena parte del deterioro. Es decir, el cr\u00e9dito destinado al consumo y a la adquisici\u00f3n de bienes durables es el que muestra mayores tensiones.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Familias<\/strong><\/p>\n\n\n\n<p>El fen\u00f3meno no se limita al sistema bancario. <strong>El endeudamiento con entidades no bancarias, como fintech, billeteras virtuales y compa\u00f1\u00edas de cr\u00e9dito, alcanz\u00f3 un ratio del 34% de la masa salarial mensual<\/strong>, 12 puntos porcentuales por encima de diciembre de 2024, seg\u00fan la consultora Eco Go. Si se incorpora tambi\u00e9n el cr\u00e9dito bancario, el peso total del endeudamiento asciende al 141% de la masa salarial.<\/p>\n\n\n\n<p>En este sentido, <strong>entre trabajadores informales y cuentapropistas, el cr\u00e9dito no bancario equivale al 143% de la masa salarial mensual, un nivel que revela dependencia estructural del financiamiento<\/strong> para sostener gastos corrientes. La irregularidad en este segmento alcanz\u00f3 el 22,8%, m\u00e1s de cuatro veces la mora total del sistema financiero y 2,4 veces la del cr\u00e9dito de consumo bancario.<\/p>\n\n\n\n<p>Por su parte, el stock de cr\u00e9dito no bancario lleg\u00f3 a $13,15 billones tras crecer 1,2% real mensual en diciembre y acumular un avance interanual de 33,7%, aunque desacelerado frente al pico de 104% registrado en abril. Aun as\u00ed, el nivel se ubic\u00f3 142% por encima de marzo de 2024 y 21,5% sobre el m\u00e1ximo previo de 2018, en t\u00e9rminos reales.<\/p>\n\n\n\n<p>La expansi\u00f3n de este segmento tambi\u00e9n modific\u00f3 la estructura del mercado y representa el 24,4% del financiamiento al consumo y el 13% del cr\u00e9dito total. En medio de esto, dos jugadores concentran m\u00e1s de la mitad del mercado: Naranja X (38,9%) y Mercado Pago (13,8%). La mayor participaci\u00f3n de estas plataformas evidencia un cambio en los h\u00e1bitos financieros, especialmente en los sectores medios y bajos.<\/p>\n\n\n\n<p>En paralelo, el contexto macroecon\u00f3mico condiciona la din\u00e1mica. Aunque la inflaci\u00f3n mostr\u00f3 una desaceleraci\u00f3n m\u00e1s r\u00e1pida que la prevista, la recomposici\u00f3n del salario real no logr\u00f3 consolidarse. De acuerdo a un estudio de Pulso Research, dos de cada tres hogares manifiestan dificultades para llegar a fin de mes, y el 57,1% reconoce haberse endeudado para sostener los gastos del hogar. La proporci\u00f3n es mayor en los segmentos de menores ingresos.<\/p>\n\n\n\n<p>En este escenario, el cr\u00e9dito cumple un doble rol. Por un lado, permite sostener el consumo y financiar bienes durables -motos, pickups, electrodom\u00e9sticos- en un contexto de restricci\u00f3n monetaria y ca\u00edda del poder adquisitivo. Por otro, incrementa la vulnerabilidad ante cualquier shock de ingresos. La desinflaci\u00f3n acelerada, que en otras etapas contribu\u00eda a licuar pasivos, dej\u00f3 a muchos hogares con cuotas que ya no pierden valor real con el paso del tiempo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El a\u00f1o pasado dej\u00f3 una radiograf\u00eda compleja para la econom\u00eda argentina. Mientras las variables financieras mostraron se\u00f1ales de estabilizaci\u00f3n -d\u00f3lar contenido, riesgo pa\u00eds en descenso y acumulaci\u00f3n de reservas- el&hellip;<\/p>\n","protected":false},"author":5,"featured_media":318472,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1,5],"tags":[],"class_list":["post-320516","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-es-noticia","category-economia"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Balance econ\u00f3mico 2025: la mora familiar se triplic\u00f3 y cerr\u00f3 en 9,3% - Diario Textual<\/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:\/\/diariotextual.com\/inicio\/index.php\/2026\/02\/23\/balance-economico-2025-la-mora-familiar-se-triplico-y-cerro-en-93\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Balance econ\u00f3mico 2025: la mora familiar se triplic\u00f3 y cerr\u00f3 en 9,3% - Diario Textual\" \/>\n<meta property=\"og:description\" content=\"El a\u00f1o pasado dej\u00f3 una radiograf\u00eda compleja para la econom\u00eda argentina. Mientras las variables financieras mostraron se\u00f1ales de estabilizaci\u00f3n -d\u00f3lar contenido, riesgo pa\u00eds en descenso y acumulaci\u00f3n de reservas- el&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/diariotextual.com\/inicio\/index.php\/2026\/02\/23\/balance-economico-2025-la-mora-familiar-se-triplico-y-cerro-en-93\/\" \/>\n<meta property=\"og:site_name\" content=\"Diario Textual\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/eltextual\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-23T21:16:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-23T21:16:12+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/diariotextual.com\/inicio\/wp-content\/uploads\/2026\/01\/deudafamiliastarjetas.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" 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