Línea de créditos para la inversión productiva
Published date | 31 August 2012 |
Author | Juan M. Diehl Moreno |
Date | 31 August 2012 |
Law Firm | Marval O'Farrell Mairal |
El 6 de agosto el Banco Central de la República Argentina (BCRA) emitió la Comunicación “A” 5338 que modificó la normativa sobre “Línea de créditos para la inversión productiva”, en cuanto a las financiaciones elegibles y a la tasa de interés máxima.
En relación a las financiaciones elegibles se agregan como admisibles la financiación de proyectos productivos que incluyan la adquisición de inmuebles, siempre que se cumplan cada uno de los siguientes requisitos:
- se trate de proyectos que no pertenecen al sector primario;
- el importe de la financiación que se aplique a la compra del inmueble no supere el 20% de la financiación ni el 50% del valor del inmueble;
- se informe al BCRA las características del proyecto a financiar, el incremento previsto en la producción de bienes y/o servicios y en el empleo que se prevé alcanzar, así como la incidencia del costo del inmueble; y
- se cuente con la autorización previa del BCRA respecto del cumplimiento de los requisitos de esta línea de créditos.
En cuanto a la tasa de interés máxima, se establece que una vez cumplido el plazo de 36 meses por el cual las entidades financieras percibirán de los clientes una tasa de interés de hasta el 15,01% nominal anual fija, y de no continuarse con dicha tasa, podrá aplicarse una tasa variable que no deberá exceder a la tasa BADLAR total en pesos más 400 puntos básicos.
Adicionalmente, el BCRA emitió la Comunicación “B” 10428 con el fin de aclarar ciertos aspectos de la normativa. Entre sus puntos más importantes, encontramos los siguientes:
a) Aplicación mínima a financiaciones elegibles
El cupo mínimo del 50 % para las MiPyMEs es exclusivo para ese segmento. En este concepto podrán ser consideradas las personas físicas que desarrollen una actividad empresaria o microempresaria a título personal.
b) Financiaciones elegibles
- Se pueden computar los créditos que se originen en el marco de líneas preexistentes en la medida...
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