La crisis de endeudamiento en Argentina se agrava, con nueve de cada diez argentinos endeudados y el 40% en mora. Los datos revelan que la mayoría de las deudas provienen de tarjetas de crédito y préstamos bancarios, utilizados principalmente para comprar alimentos. El grupo más afectado es la población activa entre los 35 y 55 años. A pesar del monitoreo constante, no se han registrado mejoras desde julio.
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00:00The debt of the population is one of those subterranean phenomena that no one knows how to address.
00:06But when you start asking in the street or around you,
00:11without distinction of social level, a good part of the population is in debt.
00:209 out of 10 Argentinians are in debt,
00:23and 40% of those who are in debt, in turn, are already in Mora.
00:28Debt goes through all kinds of characteristics.
00:31Credit card, commitment to pay, a loan,
00:34loan that is asked to pay another loan.
00:37Do you have any kind of debt? Any card that you pay as much as possible? Minimum payment?
00:42No, minimum never. We know that paying minimum is putting the rope around your neck.
00:47Yes, I owe the bank, I have loans in the bank.
00:509 out of 10 Argentinians are in debt today.
00:54Are you surprised by this number?
00:55No, not at all. If it doesn't reach us, we have to take out a loan to pay another loan.
01:01Is this the case for you? Any kind of debt?
01:03No, but it takes a lot to get to the end of the month.
01:06Not debt because we drag ourselves against the wall, you see.
01:10Did you have to lower your standard of living so as not to get into debt?
01:14Not bad.
01:15Do you worry about having to get into debt to get ahead?
01:18Or do you know that it is something that you are not going to do because of the fear of not being able to pay?
01:23Of course, you have to decide. If I have the money, I will buy it and not take it into account.
01:30If I need it, I will save the money or I will not buy it.
01:36But it is not something that you have to get into debt to the point of saying, well, a lot of money that you can't pay later.
01:46Yes, like everything. If you want to progress, you have to get into a loan, something to get ahead.
01:53Do you pay food with a card?
01:57There are good opportunities, yes.
01:59But I try to avoid it, because a credit card is always a double expense at the end of the month.
02:09Well, this is the situation of getting into debt with a credit card.
02:13And one says, yes, but to buy food.
02:16What is the logic of buying food with a credit card and ending up in debt with a credit card?
02:21Because you bought food, I'm going to ask Germán Romero.
02:24He is the director of the Mercenaries Center in Córdoba.
02:26People who usually have good statistics.
02:28Is that so? People get into debt with a credit card to buy food and then end up in debt for food?
02:36Good morning to you, to the team, and of course to the viewers.
02:41Unfortunately, there are no changes in the number of families and homes in Argentina.
02:48The last relevance that we had presented was in July.
02:52We continue to monitor and then we carry out our report every four months at the national level.
02:58We have been monitoring it and I am anticipating what the updates are.
03:03We continue at a very high percentage.
03:069 out of 10 families are in debt.
03:099 out of 10? Wow.
03:119 out of 10. 93% is unremovable.
03:15It is an indicator with respect to July.
03:17There have been no improvements.
03:18I anticipate that beyond December ...
03:21That is, they are not indebted, more or less, they are not indebted to the richest 10% of the population.
03:27That's right.
03:28Speaking mentally, there are no improvements in terms of the level of indebtedness.
03:33In fact, some indicators, which I am going to share with you, have been sharpened a little more.
03:38It is obvious that it is a short time since the last measurement,
03:42but they are percentages that each of those percentage points means more families in debt.
03:47I tell you, for example, that the amount of debts per home was 35% in mid-July,
03:53which had a single debt.
03:54Today it is 35, it is 33.
03:56Where did that 2% emigrate?
03:58To the families that now instead of 57% had between 2 and 3 debts.
04:03Now 59% of the families have between 2 and 3 debts.
04:09There is still an 8% level of families that have more than 3 debts.
04:15And according to the antiquity of the debts, 16% are from 2022,
04:19with 18 that we had before.
04:21There was a 45% in 2023 and it increased to a 4% who took debt during the current year 2024.
04:30That's what I was going to ask you.
04:31Look, you got me out of the statistics of the question.
04:34I was going to ask you if the level of indebtedness had increased in the era of my law.
04:394% in this last year, 39%.
04:42And I would tell you that also 4% indebtedness,
04:46but there are people who must have withdrawn their consumption because they are uncertain of what is coming.
04:52Of course it is like that.
04:54Less consumption, less debt.
04:56The legal situation that you were commenting on, Rolando,
05:0036% is in a regular situation, it went down 1.1% and it emigrated.
05:06Obviously it increased from 40.7% to 41%, which is in administrative management.
05:13And we went from 22% to 23% of the debts that were in Mora but are now in judicial management.
05:21And by age, which is the most indebted age group?
05:27Let's see, the age range that we have determined is between 35 and 55 years.
05:33That is, the most active population.
05:36The most active population.
05:37Precisely, they are not the third age that you just mentioned,
05:40where the retirees, certainly, with what they can, try to live to the limit,
05:44but not to get more indebted, but it is the population.
05:46Yes, but it is that range between 35 and 50 and more that has children.
05:51Correct.
05:52It is like that.
05:53Well, where are they?
05:54How are the debts made?
05:56Of 26%, which was the credit card in the middle of July, we had 28%.
06:02And it has to do, Rolando, with what, apart from that date, half a year,
06:07up to this point, the credit cards offered more financing
06:12as a consequence of the deceleration in inflation, the decrease in the interest rate and others.
06:18Today, let's say, people found a tool to get more indebted.
06:23And this gives account that the credit card rose 2 points.
06:2728% of the total debt that Argentines have is with the credit card.
06:32Of 100 of the family debts, from 10% to 8.5% is submitted to the credit card.
06:37The bank debts went down from 9% to 8%.
06:40And I tell you this, we are going to analyze, but the bank cards,
06:44the bank debts are also headed by the refinancing of the credit card.
06:49Of course, the debt on the debt.
06:52The debt on the debt.
06:54Of course, Rolando, but they left the bank as a debt to do a legal study.
07:00This is the situation, that's why I'm saying 1%.
07:04Sorry.
07:05I say that it is clear, I say that each one, we talk about percentages,
07:10but I say that each of these percentage points, or these decimals,
07:13are families that are in debt.
07:16And people, you have to take that into account,
07:19that behind every debt there are people who are having a very bad time.
07:22Juan, thank you for the contact.
07:23You're welcome.