Anti -inflation agenda | Is the now 12 danger?Hard negotiation between the government and the banks

In recent days, the National Government, through the Ministry of Commerce intensified conversations with the banks to renew the now 12 program, which expires on January 31.

While negotiations are not finished, the difference lies in certain details that are not minor.From the area conducted by Roberto Feletti, they intend to sustain the same level of interest, while financial institutions request an update in line with the rate of rates that the Central Bank has been implementing.

Currently, the surcharge that governs until the end of the month is 3.20% for the three installments, 6.39% for six, 12.97% for twelve, 19.97% for eighteen, 30, 33% for twenty -four and 40.18% for thirty.

In this way, the Executive Bran.

Throughout 2021, sales with now 12 amounted to $ 839 billion.This implies a rise of 12.6% in real terms with respect to 2020 and an increase of 22.4% compared to 2019, according to data from the Center for Production Studies.

The Argentine Chamber of Commerce and Services (CAC) spoke about it in recent days and raised a note to the Minister of Productive Development of the Nation, Matías Kulfas, requesting the extension of the program.

"Our entity values the aforementioned plans, which since its implementation have been very relevant to foster consumption and, through their intermediate, national production and employment," they said in the letter addressed to the minister and expressed their intention that therenovation is "keeping the current financing rates".

They also requested for the reinstatement of 4G cell phones to the State Plan, excluded in October 2020 by a resolution of the Ministry of Internal Commerce.

What can you buy in 3 or 6 monthly fixed installments?

• Clothing: dress clothes for men, women and children, also work clothes, sports, daily use and dress accessories).Includes jewelry and watchmaking.

• Footwear and leather goods: sports and non -sports footwear, wallets, suitcases, handbags and leather leather and other materials articles.

• Furniture: All home furniture.

• Bicycles: all types of bicycles, including electricity, their parts or parts.

• Tourism: It includes services or products within the national territory: bus tickets, aerial tickets, hotels, tourist accommodations, tour packages acquired through enabled travel agencies, rental cars, excursions and recreational activities, and regional products.Only in 6 installments

• Books: school texts and books.

• Gestures and contact lenses: prescription glasses and contact lenses, acquired in optics whose value is less than or equal to $ 15.000.

• Bookstore articles: notebooks, stationery, pencils, pencils, backpacks, cartridges, labels, among others.

• Toys and board games.

• Technical Electronics and Home Appliances Services

• Lighting artifacts, including electrical lighting artifacts with LED technology

• Perfumery: Cosmetic, personal care and perfume products.

• Small appliances.

• Sports preparation services: gyms.

• Machinery and tools: drills, groovers, angular, sanders, polishers, mountains, welders with coated electrodes, tig system welder, mig-mag and masters system welder.

• Tire, accessories, conversion kit for GNC gas vehicles and spare parts for automotive and motorcycles.

• Educational services: language courses, computer science, sports and cultural activities.Does not include schools or universities.

• Personal care services: hairdresser and aesthetic centers.

• Organization of events and commercial exhibitions: catering and photography.

• Automotive and motorcycle vehicle repair services.

• Alarm installation services.

• Spas.

What can you buy in 12 or 18 monthly fixed installments?

• White line: air conditioners, air air conditioners, dishwasher, washing machines and dryers, kitchens, ovens and anaofes, heaters and stoves, thermotanches and heaters, frosts, freezers and freezers and freezers.

• Clothing: dress clothes for men, women and children, also work clothes, sports, daily use and dress accessories).Includes jewelry and watchmaking.Only in 12 installments.

• Footwear and leather goods: sports and non -sports footwear, wallets, suitcases, handbags and leather leather and other materials articles.Only in 12 installments.

• Materials and tools for construction: sand, cement, lime, plaster, bricks, iron, sheet, openings, wood, ceramics, sanitary, pipes and pipes, taps, membranes, tiles, paint, glass, blacksmiths, wooden floors and work tools.

• Furniture: All home furniture.

• Bicycles: all types of bicycles, including electricity, their parts or parts.

• Motorcycles: whose final price does not exceed $ 250.000.

• Tourism: It includes services or products within the national territory: bus tickets, aerial tickets, hotels, tourist accommodations, tour packages acquired through enabled travel agencies, rental cars, excursions and recreational activities, and regional products.

• Mattresses.Understand mattresses and sommiers.

• Books: school texts and books.

• Gestures and contact lenses: prescription glasses and contact lenses, acquired in optics whose value is less than or equal to $ 15.000.Only in 12 installments.

• Toys and board games.

• Tire, accessories, conversion kit for GNC gas vehicles and spare parts for automotive and motorcycles.

• Musical instruments.

• Computers, notebooks and tablets.

• TVs and monitors.

• Sports preparation services: gyms.

• Medical equipment: Understand: electrocardiographers, defibrillators, monitors for different physiological signals, medical grade, instrumental, clinical laboratory equipment, sterilization elements.

• Spas:Only in 12 installments.

• Kit for home connection to public water and sewers services.Only in 12 installments

• Durable kitchen elements.Understand pots, pans, pans and plates, all aluminum.Only in 12 installments

What can you buy in 24 monthly fixed installments?

• White line: air conditioners, air air conditioners, dishwasher, washing machines and dryers, kitchens, ovens and anaofes, heaters and stoves, thermotanches and heaters, frosts, freezers and freezers and freezers.

• Materials and tools for construction: sand, cement, lime, plaster, bricks, iron, sheet, openings, wood, ceramics, sanitary, pipes and pipes, taps, membranes, tiles, paint, glass, blacksmiths, wooden floors and work tools.

• Furniture: All home furniture.

• Bicycles: all types of bicycles, including electricity, their parts or parts.

• Mattresses.Understand mattresses and sommiers.|

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