Overview
- Balances in CERA and ALyC accounts tied to the 2024 asset regularization are estimated at roughly $20.6–23.3 billion, based on Central Bank data cited by analysts.
- From January 1, holders can withdraw without the prior 5% early‑exit penalty, ending the immobilization period set to avoid extra levies.
- Market participants expect much of the money to stay in the system, rotating from authorized instruments into financial assets, real estate, farmland or corporate funding.
- Real estate professionals anticipate fresh demand for housing transactions, though advisers stress that flows depend on pending tax changes such as proposed exemptions on capital gains from sales and on rental income.
- Analysts note many beneficiaries are small savers and may wait for clarity on reforms, with potential short‑term volatility but limited risk of a broad dollar deposit exit given recent confidence indicators.