{"id":97039,"date":"2026-08-25T09:11:20","date_gmt":"2026-08-25T12:11:20","guid":{"rendered":"https:\/\/radiolarioja.com.ar\/rlr\/?p=97039"},"modified":"2026-08-25T09:11:22","modified_gmt":"2026-08-25T12:11:22","slug":"informe-a24-cual-es-la-diferencia-entre-tasas-y-costo-total-de-lo-que-pagas-a-los-bancos","status":"publish","type":"post","link":"https:\/\/radiolarioja.com.ar\/rlr\/informe-a24-cual-es-la-diferencia-entre-tasas-y-costo-total-de-lo-que-pagas-a-los-bancos\/","title":{"rendered":"Informe A24: Cual es la diferencia entre Tasas y Costo Total de lo que pagas a los Bancos?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">El informe de Paola Lara para A24, aborda la brecha entre lo que pagan los bancos por los plazos fijos y el costo total que cobran al otorgar pr\u00e9stamos personales en Argentina.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Puntos clave del informe:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Brecha entre Tasa Pasiva y Costo Financiero Total:<\/strong> Mientras que la Tasa Nominal Anual (TNA) promedio para plazos fijos ronda el 18%\u201319%, la TNA promedio de pr\u00e9stamos personales asciende a un 64%, llegando el Costo Financiero Total (CFT) efectivo hasta un 120%.<\/li>\n\n\n\n<li class=\"\"><strong>Composici\u00f3n de la Tasa Activa:<\/strong> La tasa que aplican las entidades financieras no solo incluye la tasa pasiva m\u00e1s la ganancia bancaria, sino que se ve impactada por encajes obligatorios (6,4%), riesgo de tasa, riesgo de cr\u00e9dito, costo operativo e IVA (14,1%).<\/li>\n\n\n\n<li class=\"\"><strong>Diferencia entre TNA y Tasa Efectiva:<\/strong> Se resalta que la TNA funciona solo como referencia, mientras que la tasa efectiva refleja lo que realmente paga el consumidor debido a la capitalizaci\u00f3n de intereses.<\/li>\n\n\n\n<li class=\"\"><strong>Impacto Impositivo:<\/strong> Un componente clave que encarece los cr\u00e9ditos son los tributos provinciales y municipales (Ingresos Brutos, Impuesto a los Sellos y tasas municipales), los cuales en su conjunto agregan una incidencia impositiva importante sobre el CFT.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe title=\"Informe A24: C\u00f3mo se componen las tasas en Argentina \" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/BqYJuzvIl2A?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>El informe de Paola Lara para A24, aborda la brecha entre lo que pagan los bancos por los plazos fijos y el costo total que cobran al otorgar pr\u00e9stamos personales en Argentina. Puntos clave del informe: .<\/p>\n","protected":false},"author":2,"featured_media":97042,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[5],"tags":[],"class_list":["post-97039","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economia"],"featured_image_urls":{"full":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48.jpg",1280,720,false],"thumbnail":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-150x150.jpg",150,150,true],"medium":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-300x169.jpg",300,169,true],"medium_large":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-768x432.jpg",696,392,true],"large":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-1024x576.jpg",696,392,true],"1536x1536":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48.jpg",1280,720,false],"2048x2048":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48.jpg",1280,720,false],"td_218x150":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-218x150.jpg",218,150,true],"td_324x400":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-324x400.jpg",324,400,true],"td_485x360":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-485x360.jpg",485,360,true],"td_696x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-696x392.jpg",696,392,true],"td_1068x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-1068x601.jpg",1068,601,true],"td_1920x0":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48.jpg",1280,720,false],"td_0x420":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-747x420.jpg",747,420,true],"td_80x60":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-80x60.jpg",80,60,true],"td_100x70":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-100x70.jpg",100,70,true],"td_265x198":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-265x198.jpg",265,198,true],"td_324x160":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-324x160.jpg",324,160,true],"td_324x235":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-324x235.jpg",324,235,true],"td_356x220":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-356x220.jpg",356,220,true],"td_356x364":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-356x364.jpg",356,364,true],"td_533x261":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-533x261.jpg",533,261,true],"td_534x462":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-534x462.jpg",534,462,true],"td_696x385":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-696x385.jpg",696,385,true],"td_741x486":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-741x486.jpg",741,486,true],"td_1068x580":["https:\/\/radiolarioja.com.ar\/rlr\/wp-content\/uploads\/2026\/08\/maxresdefault-48-1068x580.jpg",1068,580,true]},"author_info":{"info":["RadioLaRioja"]},"category_info":"<a 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