The National Social Security Administration (ANSES) advances new options for personal loans for retirees, pensioners and beneficiaries of the AUH with very affordable rates.
In the midst of a pandemic context due to Covid-19, the income of Argentines has been affected. However, there are still options very low rate financing. One of them are the Anses credits, whose rate is much lower than that of the market.
Therefore, in this note we will tell you about its rate, what types of Anses credits are there; who can access them, their requirements and how to request them.
Rate and amount of Anses credits
The new credits from Anses They have an interest rate of 31.5%, that is, lower than before it was 42%. However, the important thing to take into account is the total financial cost (CFT); which is what the debtor will pay and which is expressed in annual terms.
He financial cost total comprises in addition to the interest rate, the expenses incurred when taking on a debt (taxes, insurance, administrative costs, among others). In addition to this, the CFT In the case of Anses credits for retirees and pensioners, your CFT is:
- 37.59% for 2-year Anses credits.
- 38.63% for 3-year Anses credits.
- 39.17% for Anses credits of 4 years.
- 39.49% for 5-year Anses loans.
Regarding the loan amounts, the amounts vary between $ 5,000 and $ 20,000; but this will depend on the debtor’s ability to pay. However, the fee may not exceed 20% of the monthly income From applicant.
Types of loans Handles
The Anses has four types of credits: 24 installments (2 years), 36 installments (3 years), 48 accounts (4 years) and 60 installments (5 years). So it is important to take your age into account when choosing a loan, since after a certain age it cannot be requested.
Who can apply for Anses credits?
Beneficiaries of the AUH, retirees and pensioners are those who can request the credits of Anses. Within these groups, qualify those who have not applied for a loan before or those who have done so and have paid it in a timely manner.
Credit requirements and how to apply
Anses credits have two requirements, which are that the retiree resides in the country and is under 90 years of age at the end of the loan payment. Finally, for request the credits Anses, you have to follow the following steps:
- Gather the documentation: DNI and proof of the CBU.
- Request an appointment at Anses (can be done on the agency’s website or by calling 130).
Once you have completed these steps, the credit will be deposited in the bank account that you have indicated in the next 5 business days.
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