Argentina
Deputies begin considering bills to ease debtors as delinquency keeps rising
The lower house set committee meetings for September amid a new deterioration in household credit. According to a private report, family delinquency reached 18% of the total and has risen for 21 months.
The Chamber of Deputies has begun considering initiatives aimed at easing the situation of delinquent debtors, amid a further deterioration in household credit. According to BAE Negocios, the chamber unanimously approved a schedule for the Finance Committee and the Consumer, User and Competition Defense Committee to analyze the bills linked to household debt.
According to that plan, there will be two informational meetings of the committee plenary on Tuesday, September 15 and 22 at 2 p.m., while the meeting to issue a report was set for Tuesday, September 29 at the same time. The goal is to review the files and assess alternatives for people with difficulties meeting their obligations.
At the same time, the Monthly Household Credit Monitor prepared by Eco Go and Universidad Austral showed that family delinquency rose again in July and reached 18% of total credit. The indicator accumulated 21 consecutive months of monthly increases and posted a year-on-year rise of 10.3 percentage points.
The report also noted that, measured by number of people, 26.6% of credit holders were in delinquency. That figure rose 0.3% in July and stood 8.3 percentage points above the same month in 2025.
According to the data cited by BAE Negocios, the total household debt stock reached $99.4 trillion at July 2026 prices. In real terms, credit fell 0.7% from June, although it still showed a year-on-year expansion of 4.7%.
The traditional financial system accounted for 85.4% of total credit, with $84.9 trillion, and showed a delinquency rate by amount of 15.8%. By contrast, non-financial credit providers, including non-bank card issuers and fintechs, accounted for 14.6% of the market, with $14.5 trillion, but posted delinquency of 31.3%.
By province, La Rioja, Santa Cruz and San Luis recorded the highest delinquency rates by amount, at 25.3%, 23.6% and 23.5%, respectively. At the other end were La Pampa, at 9.6%; the City of Buenos Aires, at 12.4%; and Entre Ríos, at 14%.
The survey also measured the relationship between household credit and each district’s Gross Geographic Product. Tucumán, Catamarca and Formosa were the provinces with the highest relative debt, at 13.5%, 12.3% and 11.8%.
Sources
About this note. Written by El Notero with assistance from artificial intelligence, based on what was published by the cited outlet. El Notero did not do its own reporting on this event.
