Retirees registered with the National Social Security Administration (Anses) can access a line of credit of up to 15 million pesos just by meeting some requirements.
The measure comes after the completion of the “Créditos Anses” and is emerging as one of the best financing options, since payments cannot exceed 35% of monthly income.
Anses credits are today one of the best financing plans available, although installment payments should not exceed 35% of monthly income
The initiative aimed at retirees and pensioners reaches those who collect their salaries through the National bank Argentina, although it is also available to those who receive it in another entity with the difference that the term varies What do they have to return the money? On the other hand, it is to highlight that the loans are available for free destinationwhich means that you can use the money for whatever you need.
With a nominal rate that varies depending on the recipient, the credit will be granted single signaturewhich will be used as a payment guarantee, and the return period ranges between 24 and 60 monthsto be settled by the French system, which is characterized by the fact that at each maturity the debtor pays a constant amount.
As an example, you can take the credit that is available to retirees who receive their monthly salaries through the National Bank. The entity offers a Total Financial Cost (CFT, which includes capital, interest and VAT on interest) at a Annual Nominal Rate (TNA) of 45.98% and an Annual Effective Rate (TEA) of 57.03 percent. These rates are calculated for a $2,000,000 loan through a 60-month account debit.
Along the same lines, they offer up to 60 months to pay the loan and the fees will be deducted directly from the retirement. The maximum amount to be requested may not exceed 35% of the monthly net income.
Anses holders who wish to access financing from Banco Nación must follow the following steps:
- Enter the banking entity’s platform through its application or its website,
- Go to the “Loans” option,
- Choose the desired amount, the destination of the funds and the number of installments,
- Validate the requested data,
- Confirm the submission of the request,
- Wait for credit approval.
Every month the payment of your Anses credit is debited from the bank account that you entered when you requested it. The debit will be made from the 1st to the 10th of each month. Therefore, it is important to have sufficient funds during this period to avoid accumulating default interest.
In addition, we remind you that the first installment of the credit is higher because it includes the costs of the guarantee insurance. Here, an Anses simulation for loans of up to one million pesos:
You can do it with your CUIL and Social Security Code, through My Anses Or the My Anses app.
Enter the Anses Credits tab and look for the option Consult worker amount. In this section you can review your current credits, change the CBU for the debit of the installments or download your contract to know the number of installments and the amount corresponding to each one.
Every time a fee is debited you will find it with the legend “Normal” in the summary or in the movements of your account.
In the event that a fee could not be debited, the following month you will be deducted that fee, plus interest and the fee for the current month. You will see the fee debited after the deadline with the legend “Mora”.
