The national government defined the requirements that must be met retirees and registered workers for access ANSeS credits for up to $400,000.
Through the Necessity and Urgency Decree (DNU) 463/2023 The measure was formalized, previously anticipated by the Minister of Economy, Sergio Massa, along with other relief benefits for the complicated pockets of Argentines after the post-pass devaluation.
Employees of Casas Particulares: how to calculate the bonus and request a refund
As arranged, the granting of financing to the beneficiaries of the Argentine Integrated Pension System (SIPA) and to the contributing workers sIt will be carried out under the modalities and under the conditions established by the ANSeS.
In the case of retiredthe investment may be for up to 20% dand the total assets of the Sustainability Guarantee Fund, While for workers may not exceed 5%.
Amounts that can be requested, rates and terms
To this new credit line, andhe National State will allocate $450,000 million, although it amount can be expanded.
- He maximum amount to be awarded will be $400,000,
- The Annual Nominal Rate (TNA) is 50%, for all repayment terms for workers.
- He term of amortization of loans for workers is established in 24, 36 and 48 monthly and consecutive installments.
- In all cases the quota-income relationship with respect to the credit granted cannot exceed 20% of the remuneration monthly gross
What are the requirements that workers must meet to access the $400,000
In order to grant loans, workers must meet -among others- the following requirements:
- Ebe in a dependency relationship in the modalities and conditions established by the explanatory and complementary norms and have remuneration that, at the time of the credit application, is lower than the current remuneration from which they begin to be reached and reached by the income tax lien. Profits.
- Have an age of not less than six months continue under the same employer.
- Do not exceed, on the credit payment completion date, the established legal retirement age.
- Do not exceed “Situation 2”, according to the registered category stipulated by the Central Debtors published by the Central Bank.
- Not be a beneficiary of a retirement and/or pension with a current credit line within the “ANSeS Credits” Program.
- Be the holder of a credit card from a bank that operates in the Argentine Republic, where the borrower receives his monthly remuneration. The loan will be credited on that card.
The “extra” benefit to pay the first installment
The payment of the first installment will have a grace period that may be extended up to three months, according to the date of granting of the credit, depending on the day of collection of the worker’s remuneration.
It is worth considering that the ANSeS may debit any amount owed for the credit from the bank accounts held by the policyholdereven in the open and without any questioning.
What cannot be done if an ANSES loan of 400 thousand pesos is taken out?
There are also some restrictions for those who take the loans. In fact, Those who access the credits will not be able to access the exchange market, for the purpose of obtaining foreign currency huntil the total cancellation of the credit.
In this regard the ANSES will be the body that, according to the DNU, is empowered to dictate the explanatory and complementary norms necessary for the implementation of the decree.
For the Executive Power, “it is necessary to act quickly and decisively to implement measures that alleviate the current challenging economic context that significantly affects workers.”
LR
2023-09-08 02:04:50
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