{"id":3762,"date":"2023-09-28T11:46:28","date_gmt":"2023-09-28T14:46:28","guid":{"rendered":"https:\/\/revistaferreteros.com.ar\/?p=3762"},"modified":"2023-11-14T15:10:45","modified_gmt":"2023-11-14T18:10:45","slug":"creditos-para-monotributistas-2023","status":"publish","type":"post","link":"https:\/\/revistaferreteros.com.ar\/en\/creditos-para-monotributistas-2023\/","title":{"rendered":"Cr\u00e9ditos para Monotributistas 2023: \u00bfQui\u00e9nes pueden pedirlo?"},"content":{"rendered":"<p>Desde hace un mes&nbsp; se est\u00e1n gestionando los <strong>cr\u00e9ditos para monotributistas. <\/strong>La Secretar\u00eda de Industria y Desarrollo Productivo inform\u00f3 que, hasta ahora, la nueva l\u00ednea de financiamiento para microempresas del programa <strong><a href=\"https:\/\/www.argentina.gob.ar\/solicitar-creditos-para-inversion-productiva\" target=\"_blank\" rel=\"noreferrer noopener\">Cr\u00e9dito Argentino (CreAr)<\/a><\/strong> ya coloc\u00f3 m\u00e1s de<strong>&nbsp;$15.000 millones<\/strong>&nbsp;y est\u00e1 operativa en bancos p\u00fablicos y privados.&nbsp;<\/p>\n\n\n\n<p>CreAr destina a monotributistas de todo el pa\u00eds hasta&nbsp;<strong>$6 millones por cr\u00e9dito<\/strong>&nbsp;-seg\u00fan la categor\u00eda- para financiar la compra de equipamiento, herramientas y otras necesidades productivas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Caracter\u00edsticas Cr\u00e9ditos para Monotributistas<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El monto m\u00ednimo por cr\u00e9dito es de $50.000.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>El monto m\u00e1ximo, que cuenta con la posibilidad de ampliarse el 50% a empresas con historial positivo del <strong><a href=\"https:\/\/www.argentina.gob.ar\/produccion\/fogar\/que-es-el-fogar#:~:text=El%20Fondo%20de%20Garant%C3%ADas%20Argentino,mejorar%20el%20acceso%20al%20financiamiento.\" target=\"_blank\" rel=\"noreferrer noopener\">FOGAR<\/a><\/strong>, var\u00eda seg\u00fan la categor\u00eda de monotributo:\n<ul class=\"wp-block-list\">\n<li>A y B: $1.200.000.<\/li>\n\n\n\n<li>C, D y E: $2.000.000.<\/li>\n\n\n\n<li>F en adelante: $4.000.000.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>El&nbsp;<strong>plazo de devoluci\u00f3n<\/strong>&nbsp;es de 24 meses.<\/li>\n<\/ul>\n\n\n\n<p>Tasa fija con bonificaci\u00f3n de 60 puntos del FONDEP, establecida al momento del otorgamiento. Esto implica que los pr\u00e9stamos no ser\u00e1n evaluados por las entidades financieras<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Acced\u00e9 al cr\u00e9dito con la garant\u00eda del FOGAR, que cubre el 100% de tu pr\u00e9stamo.<\/li>\n\n\n\n<li>Destinado a compra de m\u00e1quinas, herramientas y\/o insumos, directamente relacionada con el desarrollo de la actividad de la empresa.<\/li>\n\n\n\n<li>El monto total de ambas l\u00edneas es de $180.000 millones.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfA qui\u00e9n est\u00e1 dirigido?<\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-1024x1024.jpg\" alt=\"Cr\u00e9ditos para Monotributistas. Sector Productivo-Comercios\" class=\"wp-image-3767\" style=\"width:397px;height:397px\" width=\"397\" height=\"397\" title=\"\" srcset=\"https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-1024x1024.jpg 1024w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-300x300.jpg 300w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-150x150.jpg 150w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-768x768.jpg 768w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-12x12.jpg 12w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-600x600.jpg 600w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas-100x100.jpg 100w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/09\/Creditos-para-monotributistas.jpg 1080w\" sizes=\"(max-width: 397px) 100vw, 397px\" \/><figcaption class=\"wp-element-caption\">Cr\u00e9ditos para Monotributistas. Sector Productivo-Comercios<\/figcaption><\/figure>\n\n\n\n<p id=\"cr\u00e9ditos-para-monotributistas\">Empresas micro o peque\u00f1as o cooperativas de los sectores industria, servicios industriales y agroindustria.<\/p>\n\n\n\n<p><strong>Se destina un cupo del 20% para empresas lideradas o de propiedad de mujeres.<\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfC\u00f3mo tramitarlo y en qu\u00e9 bancos est\u00e1 disponible?<\/strong><\/h2>\n\n\n\n<p><\/p>\n\n\n\n<p>Los cr\u00e9ditos tienen una tasa de inter\u00e9s fija bonificada del<strong>&nbsp;62,6%<\/strong>&nbsp;(nominal anual) que es subsidiada por el fideicomiso Fondep y con garant\u00edas del Fogar.<\/p>\n\n\n\n<p>El plazo de repago es de hasta<strong>&nbsp;24 meses.&nbsp;<\/strong>Cada categor\u00eda del monotributo tiene topes, que dependen del nivel de ingresos. \u201cLa cuota promedio de estos cr\u00e9ditos,&nbsp;<strong>cada $500.000, es de $42.475<\/strong>\u2033, ejemplificaron desde el Banco Ciudad.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Estar inscripto como monotributista al 31 de marzo de 2023, en una de las actividades incluidas en el sector productivo, comercio y servicios.<\/li>\n\n\n\n<li>Encontrarse en situaci\u00f3n 1 o 2 ante el Banco Central<\/li>\n\n\n\n<li>No estar en relaci\u00f3n de dependencia<\/li>\n\n\n\n<li>No ser jubilado.<\/li>\n\n\n\n<li>No tener deudas con FOGAR.<\/li>\n\n\n\n<li>Los solicitantes deber\u00e1n presentar el certificado <strong><a href=\"https:\/\/www.argentina.gob.ar\/produccion\/registrar-una-pyme\" target=\"_blank\" rel=\"noreferrer noopener\">MiPyME<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Bancos Disponibles<\/strong><\/h3>\n\n\n\n<p><\/p>\n\n\n\n<p>\u201cLa convocatoria para las microempresas productivas que quieran acceder al cr\u00e9dito estar\u00e1 vigente hasta el 30 de noviembre de 2023 y ya se encuentra disponible en:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&nbsp;Banco Naci\u00f3n,<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&nbsp;Credicoop<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>&nbsp;Banco de Corrientes<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banco de la Ciudad de Buenos Aires,<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banco de La Pampa&nbsp;<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>BBVA<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Santander<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banco de la Provincia de Buenos Aires<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banco de C\u00f3rdoba<\/strong><\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Banco Municipal de Rosario<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>Pronto estar\u00e1 operativa tambi\u00e9n en&nbsp;<strong>Banco de Chubut, Banco de Entre R\u00edos, Banco de Formosa, Banco de Neuqu\u00e9n, Banco Patagonia, Banco Rioja, Nuevo Banco de Santa Fe, Banco de Santa Cruz, Banco de Tierra del Fuego, Banco San Juan y Comafi<\/strong>. Y proceso de implementaci\u00f3n en otras entidades bancarias.<\/p>\n\n\n\n<p>A trav\u00e9s de una declaraci\u00f3n jurada, los solicitantes deben certificar que el dinero ser\u00e1 utilizado \u201cen&nbsp;inversiones que tengan relaci\u00f3n con su actividad econ\u00f3mica\u201d, indicaron desde Desarrollo Productivo, y adem\u00e1s no podr\u00e1n superar la&nbsp;\u201csituaci\u00f3n 2\u2033&nbsp;en la Central de Deudores del Banco Central.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Puede Interesarte:<\/h2>\n\n\n\n<p><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/revistaferreteros.com.ar\/nueva-web-revista-ferreteros\/\"><\/a><a href=\"https:\/\/revistaferreteros.com.ar\/nueva-web-revista-ferreteros\/\">Nueva web REVISTA FERRETEROS<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/revistaferreteros.com.ar\/acuerdo-con-mercado-pago-por-la-norma-del-banco-central-2-aspectos-importantes\/\"><\/a><a href=\"https:\/\/revistaferreteros.com.ar\/acuerdo-con-mercado-pago-por-la-norma-del-banco-central-2-aspectos-importantes\/\">Acuerdo con Mercado Pago por la Norma del Banco Central: 2 Elementos Importantes.<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/revistaferreteros.com.ar\/windows-de-cero-a-experto-10-trucos-infalibles\/\"><\/a><a href=\"https:\/\/revistaferreteros.com.ar\/windows-de-cero-a-experto-10-trucos-infalibles\/\">Windows de Cero a Experto: 10 Trucos Infalibles<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/revistaferreteros.com.ar\/mercado-pago-nuevas-medidas-del-banco-central\/\"><\/a><a href=\"https:\/\/revistaferreteros.com.ar\/mercado-pago-nuevas-medidas-del-banco-central\/\">Mercado Pago: Nuevas medidas del Banco Central.<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00bfTe Gusta Nuestro Contenido?<\/h3>\n\n\n\n<p>No olvides de&nbsp;<strong><a href=\"https:\/\/revistaferreteros.com.ar\/contacto\/\" target=\"_blank\" rel=\"noreferrer noopener\">suscribirte a nuestro newsletter<\/a><\/strong>&nbsp;para estar siempre al tanto de todas las novedades al momento.<\/p>\n\n\n\n<p>Puedes pasar por nuestro&nbsp;<a href=\"https:\/\/revistaferreteros.com.ar\/catalogo-ferretero\/\" target=\"_blank\" rel=\"noreferrer noopener\">cat\u00e1logo&nbsp;<\/a>para ver todos los&nbsp;<a href=\"https:\/\/revistaferreteros.com.ar\/product-category\/categrias\/\" target=\"_blank\" rel=\"noreferrer noopener\">productos&nbsp;<\/a>que ofrecen las&nbsp;<a href=\"https:\/\/revistaferreteros.com.ar\/empresas\/\" target=\"_blank\" rel=\"noreferrer noopener\">empresas&nbsp;<\/a>del sector ferretero.<\/p>\n\n\n\n<p>Si quer\u00e9s ser anunciante y darnos tu apoyo cont\u00e1ctanos por whatsapp al&nbsp;<a href=\"http:\/\/+541144408542\/\" target=\"_blank\" rel=\"noreferrer noopener\">+541144408542<\/a>&nbsp;o a trav\u00e9s de nuestro&nbsp;<strong><a href=\"https:\/\/revistaferreteros.com.ar\/contacto\/#ser-anunciante\" target=\"_blank\" rel=\"noreferrer noopener\">formulario de contacto<\/a>.<\/strong><\/p>\n\n\n\n<p>Te invitamos a que descargues la ultima edici\u00f3n de la<a href=\"https:\/\/revistaferreteros.com.ar\/revista-ferreteros\/\" target=\"_blank\" rel=\"noreferrer noopener\">&nbsp;<\/a><strong><a href=\"https:\/\/revistaferreteros.com.ar\/revista-ferreteros\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revista Ferreteros<\/a>:<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter\"><a href=\"https:\/\/revistaferreteros.com.ar\/revista-ferreteros-edicion-1084\/\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" width=\"230\" height=\"300\" src=\"https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084-230x300.jpeg\" alt=\"Revista Ferreteros Edicion 1084\" class=\"wp-image-3284\" title=\"Inflaci\u00f3n: 4 Simples Consejos Para Navegarla 2\" srcset=\"https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084-230x300.jpeg 230w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084-768x1001.jpeg 768w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084-9x12.jpeg 9w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084-600x782.jpeg 600w, https:\/\/revistaferreteros.com.ar\/wp-content\/uploads\/2023\/08\/Tapa-RF-1084.jpeg 786w\" sizes=\"(max-width: 230px) 100vw, 230px\" \/><\/a><figcaption class=\"wp-element-caption\"><sup><a href=\"https:\/\/revistaferreteros.com.ar\/revista-ferreteros-edicion-1084\/\" target=\"_blank\" rel=\"noreferrer noopener\">Revista Ferreteros Edici\u00f3n 1084<\/a><\/sup><\/figcaption><\/figure>\n\n\n\n<p class=\"has-text-align-center\">Y si llegaste hasta ac\u00e1, &nbsp;<strong><a href=\"https:\/\/www.instagram.com\/revistaferreteros\/\" target=\"_blank\" rel=\"noreferrer noopener\">seguinos en Instagram<\/a><\/strong>&nbsp;para las&nbsp;<a href=\"https:\/\/revistaferreteros.com.ar\/novedades\/\" target=\"_blank\" rel=\"noreferrer noopener\">novedades&nbsp;<\/a>al instante.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 condiciones hay que cumplir para solicitar los cr\u00e9ditos, c\u00f3mo es el tr\u00e1mite y hasta qu\u00e9 fecha puede hacerse?<br \/>\n Te lo contamos a continuaci\u00f3n.<\/p>","protected":false},"author":1,"featured_media":3763,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","_mi_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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