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09/06/2026
El Gobierno terminó de liquidar los programas Ahora12, Cuota Simple y Precios Cuidados
A través de 58 resoluciones publicadas en el Boletín Oficial, se oficializó la baja de programas históricos de financiamiento y consumo masivo interno.
El presidente Javier Milei y el ministro de Economía, Luis Caputo, avanzaron formalmente hoy en la derogación definitiva de 58 resoluciones y disposiciones vinculadas al comercio interior. La medida, oficializada mediante la Resolución 12/2026 y la Disposición 534/2026 publicadas en el Boletín Oficial, liquida de forma oficial herramientas clave de intervención económica como los programas Ahora 12, Precios Cuidados y Cuota Simple, los cuales ya habían sido desactivados previamente por la gestión libertaria.
Entre los considerandos de la drástica medida, el Poder Ejecutivo nacional aseguró que muchas de las disposiciones ahora derogadas habían sido dictadas bajo marcos regulatorios que ya fueron modificados o directamente eliminados por la actual administración. Entre estas leyes de control mencionaron la Ley de Abastecimiento, la Ley de Góndolas y la norma que creó el Observatorio de Precios. Según el texto oficial del decreto, todas esas regulaciones "han perdido su objeto y aplicabilidad".
En los fundamentos de la resolución, el Gobierno señaló que la acumulación de normas a lo largo del tiempo derivó en un escenario de superposición, dispersión y desactualización regulatoria. De acuerdo con la mirada oficialista, este complejo entramado legal dificulta determinar con claridad cuáles normativas continúan vigentes en el país. A su vez, el documento oficial sostuvo que esa situación genera "una inseguridad jurídica para los ciudadanos que restringe el libre desenvolvimiento de su vida".
La poda administrativa dejó sin efecto 30 normas vinculadas directamente a los programas Ahora 12 y Cuota Simple, mecanismos que intervenían de manera indirecta sobre las condiciones de financiamiento al consumo. Este último esquema permitía financiar compras con tarjeta de crédito en 3 y 6 cuotas fijas a tasas inferiores a las del mercado, pero dejó de funcionar en junio de 2025 tras la decisión gubernamental de no renovar su vigencia en el mercado.
Tras la finalización del plan estatal, bancos, billeteras virtuales y procesadoras de pago lanzaron alternativas privadas propias para sostener las opciones de financiación cotidianas de la población. Sin embargo, el contexto macroeconómico de tasas más elevadas limitó la expansión de estos esquemas de crédito privados. Este freno en las cuotas afectó especialmente las ventas de las pequeñas y medianas empresas (PYMES), que perdieron competitividad.
Finalmente, la resolución de la cartera económica derogó una disposición complementaria vinculada a Precios Cuidados, el programa lanzado en 2014 que establecía acuerdos de precios sobre productos de la canasta básica. Con el tiempo, aquel esquema de consumo masivo se había ampliado a otros rubros diversos como materiales para la construcción, motos y servicios de telefonía celular, derivando posteriormente en programas similares como Precios Justos.
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