Economia

Se podrá comprar motos en 48 cuotas fijas

Con dos meses de demora, finalmente se habilitó el “Programa mi moto”, que contempla una financiación de 48 cuotas fijas a tasas subsidiadas a través del Banco Nación.
Su implementación, prevista inicialmente para mediados de setiembre, se demoró por las dificultades para crear el portal para tramitar el crédito y efectuar la compra, casi todo de manera virtual. Desde este lunes por la tarde, la línea de crédito aparece en la parte central del sitio oficial del Banco Nación.

El programa de estímulo a las ventas de motos fue anunciado por el presidente, Alberto Fernández, el 8 de setiembre. Desde el Gobierno prometieron ponerlo en marcha “en dos semanas” pero todo se demoró.  Lo cierto que toda la operación de compra -desde la gestión del crédito hasta la compra de la moto-, se puede realizar en forma virtual.

El crédito tiene un tope de $200.000. Las personas podrán optar entre 34 modelos, cuyos precios oscilan en el rango de $63.900 a $197.990. Hay dos tipos de tasas: para los clientes del Nación será de 28,5% nominal anual y de 37,5% para quienes no lo sean.

Todo forma parte de un acuerdo entre Gobierno, armadurías, marcas, concesionarios y la CAFAM, la cámara de las 11 terminales que ensamblan en el país.

Cada una podía postular hasta 3 modelos por marca. Por lo cual el catálogo definitivo quedó así: Betamotor (Beta y TVS), Corven (Corven y Bajaj), Dragón (Brava), Emprendimiento Industrial Mediterráneo (Keller), Gilera (Gilera), Honda (Honda), Importadora Mediterránea (Mondial y Kymco), La Emilia (Motomel, Keeway y Benelli), Pagoda (Guerrero), Visokolkis (Okinoi) y Zanella (Zanella).

En la industria estiman vender alrededor de 6.000 unidades mensuales a través del programa, que reforzarían las poco más de 25.000 que se patentan actualmente.

El Gobierno calculó que el valor promedio de los 34 modelos incluidos es de $81.000 por lo que, para esa cifra, se abonarían 48 cuotas fijas de $2.850.  Las ventas se canalizarán a través de concesionarios adheridos al programa. Hasta el momento ya se registraron 140, sobre un total de 1.200 puntos de venta. Casi toda la gestión se efectúa online y se inicia desde la web del Banco Nación, antes o después de elegir la moto. Básicamente, el recorrido es el siguiente:

1) El interesado solicita crédito por la web del Nación y puede contar con la asistencia del concesionario para la carga de datos. O también se puede al sitio “tiendabna.com.ar”, un portal exclusivamente montado con toda la oferta de motos y sus precios.

2) Posteriormente y tras verificar los antecedentes crediticios, la entidad envía un mail para confirmar si el préstamo fue aprobado y cuál es el monto. Posteriormente, el cliente recibe un link, lo que le permite entrar al marketplace con todo el listado de modelos posibles 3) Se pasa a la elección y reserva del modelo de moto en el portal. Allí el cliente podrá ver todos los modelos que puede comprar con el importe del préstamo otorgado en los concesionarios de su zona. No puede elegir modelos más caros, aunque quiera pagar la diferencia. Al precio se le añade $2.000 extra para pagar el flete de un eventual envío.

4) Otorgamiento del crédito: la sucursal del Banco Nación asignada coordina con el cliente para que vaya a firmar la documentación. Este es el único trámite presencial.

5) Facturación y pago: el concesionario emite la factura de compra y la envía electrónicamente al banco. Allí, Nación transfiere el importe al concesionario y carga el comprobante en el sitio.

6) Una vez acreditado el pago, el concesionario termina la documentación y entrega la unidad.

Fuente: Clarín

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