La Cámara de Comercio, Turismo, Industria y Producción de Viedma comunica que, con su publicación en el Boletín Oficial, entró en vigencia la Resolución 51-E/2017 de la Secretaría de Comercio de la Nación, que dispone para el comercio la diferenciación entre el precio al contado de la opción en cuotas.

Según se indicó, la medida busca “evitar que los intereses de financiamiento se trasladen a quienes pagan al contado” y que también sean transparentes “todos los costos involucrados en los pagos financiados”. Asimismo, se señaló que el objetivo es “incentivar la competencia y cuidar a los consumidores”.

A su vez, desde la Confederación Argentina de la Mediana Empresa se consideró que la norma “tiene como objetivo estimular el consumo y lograr que los consumidores tengan toda la información necesaria para tomar sus decisiones, y que los comerciantes compitan mejor, con promociones claras y genuinas, pudiendo dar beneficios a quienes pagan al contado”. Además, desde CAME se expresó que “en base a esto, los consumidores van a poder analizar, por ejemplo, si les conviene financiarse con la tarjeta de crédito o con un préstamo bancario”.

Cabe destacar que los planes “Ahora 12” y “Ahora 18”, subsidiados por el Estado, continuarán.

Aspectos generales
Con referencia a la diferenciación que debe hacerse entre los precios de contados y aquellos en cuotas, la norma dictada especifica que no podrá incluirse el costo de financiación en el precio en un solo pago, de manera tal de igualar el precio de contado con un plan de cuotas presentadas como sin interés. Asimismo, se aclaró que se deberán considerar como de pago al contado las siguientes formas: efectivo, débito, crédito en un pago y otros medios de pago electrónicos.

La medida pretende evitar que los intereses de financiamiento se trasladen a quienes pagan al contado, transparentando así todos los costos involucrados en los pagos financiados para impulsar la competencia y evitar que los comercios eleven el precio de contado. La estructura actual de financiamiento en cuotas, en la que el costo financiero está implícito en los precios de los productos, no permite discriminar el precio real del producto del costo del financiamiento. Quienes realizan compras en un sólo pago (tanto en efectivo, como con débito o crédito) están pagando en parte por una financiación que no están utilizando.

En cuanto al procedimiento para la aplicación de los requerimientos especificados en la norma, se establece que la publicidad del costo financiero total deberá colocarse en una ubicación contigua al resto de las variables informadas. A partir de esta medida deberá indicarse precio de contado, cantidad y monto de cada una de las cuotas y el costo financiero total cuando los precios se exhiban financiados.

Además, no se podrá incluir bajo cualquier forma de difusión la frase “sin interés” (o cualquier alternativa similar), cuando el costo de la financiación del producto o servicio se traslade al precio de venta al consumidor.

Se prevén sanciones por incumplimientos, de hasta cinco millones de pesos, en función de lo establecido por la Ley de Lealtad Comercial Nº 22.802 y de la Ley de Defensa del Consumidor N° 24.240, según corresponda.


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