Consumers who have pending purchases in Ahora 12, Ahora 18 and Ahora 24 will be able to make them until the end of the month, which is the deadline of the program.
The program Now 12, which served to encourage consumption due to its low financing rate, will come to an end in a few days. In the administration of Javier Mileiwill be replaced by the new plan “Simple Fee”.
The importance of the new agreement reached by the Commerce secretary with the banks, is that the number of months in which the product can be obtained will be reduced, which in this case It will be 3 to 6 fixed installmentsand will increase the financing ratealthough it would remain below market rates.
Now, consumers who have pending purchases in Now 12, Now 18 and Now 24 They will be able to do them until the end of the month, which is the deadline of the program.
Until Wednesday, January 31, which is the deadline, you can buy at participating stores with the old conditions, terms and rates..
Now 12: What products can I buy?
In the shops and online stores attached to Ahora 12 can be purchased in 3, 6, 12, 18 and 24 fixed installments of goods and services that are of National Production.
However, Longer terms are not available in all areas. since each business can decide if it uses the maximum term or if it proposes a smaller amount of payments to its clients.
What products can be found in up to 24 installments?
- White line appliances.
- Computers, notebooks and tablets.
- Televisions and monitors.
- Medical equipment.
What products can be found in up to 18 installments?
- Bicycles with their spare parts and accessories.
- Mattresses and box springs.
- Gyms.
- Motorcycles.
- Tires and spare parts for cars and motorcycles.
- Toys and board games.
- Books and school texts.
- Machinery and tools.
- Construction materials.
- Furniture.
What products can be found in up to 12 installments?
- Glasses and contact lenses.
- Perfumery.
- Illumination artifacts.
- Library items.
- National tourism.
- Spas.
- Footwear and leather goods.
- Car and motorcycle repair.
- 4G cell phones.
- Durable kitchen elements (aluminum).
- Clothing, jewelry and watches.
- Musical instruments.
Now 12: What interest rates do the Now plans have and how much do they add to the final price?
Until the end of the program, all the plans that are within Now 12 will have a maximum applicable interest of 82.5% expressed in nominal annual rate (TNA), regardless of the financing term.
This program is interesting in contrast to the new Simple Fee plan which will start with a rate of 93.5%about 11 points higher than what Now 12 still offers.
Considering the current rate of Now 12 (82.5% of TNA)According to official information, the surcharge that stores can apply on the cash price is a maximum of:
- 13.16% for purchases in 3 installments.
- 27.42% for 6 installments.
- 60.98% for 12 installments.
- 102.65% for 18 installments.
- 154.62% for 24 installments.
Source: Ambito
