With payment plans at 2.3%, SMEs finance themselves with AFIP and invest in



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17-07-2018
The monthly interest, the number of payments from the plan and the number of possible plans depend on the risk category that the taxpayer has in the AFIP

The rates paid in Argentina by [19459008unpaid financing plans are really practical, to the point that many taxpayers pay 2, 3% per month to turn around and invest in instruments as the Lebac which offer 47% per annum

The monthly interest, the number of installments of the plan and the number of possible plans depend on the category of risk that the taxpayer has in AFIP

This note or note that the AFIP attributes to each company depends purely and exclusively on the fiscal behavior of that Company: If you file your returns on time, if you pay your bonds on the due date, if you have judgments with the AFIP, if you have unfilled obligations.

"With rates ranging from 2.3% to 2.45% per month, agrees to finance the payment of VAT for payroll taxes and all tax liabilities that are possible, and this money to invest, given the rates paid by the market, "warns El Cronista Ezequiel Pbadarelli, partner of the SCI Group.

Ivan Sasovsky, CEO of Sasovsky & Asociados, agrees that this leads to many taxpayers opting for do not enter for example advances and financing from the Treasury: "Also, financing options with AFIP payment plans are much cheaper ] than those that can be offered on the market, in not to remove your financial credit capacity, or appear in the central debtors of the BCRA in case of default. We are in difficult times and taxpayers are turning to these mechanisms that allow much more reasonable financing than the financial system offers as a last resort. "

" Obviously, the rates indicate a difference very favorable to the Lebac ", adds Guillermo Pérez, president and CEO of the group GNP, which underlines anyway that" I would not recommend to play at this gambling, since lowers your qualification against AFIP as a non-compliant taxpayer. On the other hand, it invests in an badet that today presents a certain financial risk: rates can not increase indefinitely to contain the dollar, because the recession would not be viable. "

For its part, Pbadarelli points out that, whether through the use of a plan of AFIP payments or by external or own funding, it is recommended not to have debts with the treasure, taking into account the inconvenience this entails.

On the one hand, the increase in the interest rate, which goes from compensatory (3% monthly) to punitive (4% monthly), once the receipt of the debt arrives, approximately 20 days after the due date of the obligation.

] On the other hand, the l & # 39; 39; substantial increase in debt (by an additional 10%), in the form of AFIP attorney fees making the claim, Another aspect is the poor rating received by the company to have debts, with the consequent increase in rates, the reduction number of plans, number of quota reduction

A point criticized by Pas sarelli refers to this, better note better conditions exist (better interest rate, higher amount of fees and plans): "Those who need less funding are rewarded, when should be the reverse ".

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