En el contexto de crisis económica generada por la pandemia del coronavirus, la deuda total de las familias alcanzó los $1,7 billones, afectando a 11,1 millones de hogares, que equivalen al 80,8% de los hogares del país. Así surge de cruzar los datos del Banco Central con una encuesta entre 5890 hogares realizada por CERX entre el 17 y 24 de abril.
Los atrasos más frecuentes en abril fueron en servicios como luz, gas, agua, teléfono, cable, internet o expensas, que afectó al 70% de los hogares. Con una deuda promedio de $10.585 por familia, explicó el 20,3% de la deuda no bancaria ($102.207 millones). Claramente, fue una de las primeras cuentas que se dejó de pagar con la crisis.
Según el relevamiento, en promedio cada familia adeudaba a esa fecha 149.406 pesos. Ese monto no incluye los costos asociados a moras y retrasos, que fueron en incremento con los días en cuarentena y podrían incrementar en más de 50% ese stock.
Ese stock de deuda tiene dos grandes componentes: por un lado, la deuda “no bancaria” que desde la consultora estiman en $503.574 millones. Unos 10,8 millones de hogares tenían algún tipo de esas deudas al 24/4 (78,4% de los hogares del país). Y por otro, la deuda “bancaria” que según el BCRA alcanzó los $1,2 billones al 22 de abril (casi la mitad es deuda con tarjetas de crédito – $536 mil millones).
Gráfico: CERX
- Deuda “no Bancaria”
En tanto, el incumplimiento de impuestos, sería el segundo componente, con $100.433 millones. Lo que más se dejó de pagar en abril fue impuesto inmobiliario y patentes. Explica ese item el 19,9% de la deuda no bancaria actual. Habría 6,3 millones de hogares con algún tributo adeudado al 24 de abril, ya sea nacional, provincial o municipal, $15.845 promedio por hogar. Hay que tener en cuenta que muchas familias ya acumulaban deudas, por eso es tan alto el stock.
Gráfico: CERX
El tercer endeudamiento de peso fue el mantenido con prestamistas y financiera, que estimamos en $93.805 millones (18,6% de la deuda no bancaria). Afecta a casi 1,5 millones de hogares, con un monto promedio de $62.539 cada uno.
Otros items que conforman la deuda no bancaria familiar al proyectar las declaraciones realizadas en la encuesta al total nacional, serían: gastos vinculados con el auto (seguro y cuota) donde los atrasos se hicieron muy frecuentes en el último mes y habrían sumado $70.904 millones; deudas con familiares y amigos ($64.720 millones); alquileres impagos por $42.889 millones; Educación (cuota de jardines, colegios y universidades principalmente) por $23.364 millones y deudas directas con los comercios por ventas en la modalidad “fiado” por $5.251 millones. En este último componente las más mencionadas fueron deudas con farmacias, almacenes, zapaterías, y servicios profesionales.
68 thoughts on “Coronavirus: El 80% de los hogares acumuló deudas en abril”
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