2023-09-24 02:57:59
The elections are approaching and there is “end of the world” climate. Those who can anticipate their purchases because they know that inflation is closer to accelerating than stopping and they put a containment dam on the official dollar that will open after October 22 and it is very possible that it will end in a new devaluation.
So, those who have an income seek to lose as little as possible. They buy with latest installment promos that remain on the market and take advantage of Sergio Massa’s “Plan Platita”. There is a furor both about getting a 21% VAT refund on debit card purchases and about taking out ANSeS loans with a negative interest rate. This means: you have to pay 50% annually when the estimated inflation is 200%.
The desperation to get cheap money In 5 days, since last Monday when the possibility of signing up was enabled, 200,000 people in a dependency relationship began the procedures for the new line that grants up to $ 400,000 in 48 installments, 50% rate and only beginning to return it to the three months.
Although you cannot use that same money to make fixed terms (which give a rate of 118%) because the funds are deposited on the credit card, It can be used to cancel consumption and free up those pesos to invest.
Official dollars or MEP cannot be purchased.
The demand for these loans is so great that the ANSeS decided open this Saturday the 23rd its more than 200 offices in the places with the greatest influx of public, from 8 a.m. to 2 p.m., exclusively to validate the credit application codes for workers in a dependency relationship. The same thing happened when, in the middle of the pandemic, the IFE was granted, cash aid for those who did not have a job.
How to request credits for employees in a dependency relationship
For ask for credit, You have to go to the ANSeS website (www.anses.gob.ar) or the app to obtain a code. Then, you have to go to the agency’s offices without having to make an appointment to validate it. The requested amount will be deposited in the bank credit card linked to the account where the worker receives his salary and may be returned in 24, 36 or 48 installments, with a grace period of 3 months and an annual nominal rate (TNA) subsidized by the national state of 50%.
The amount of each installment will be approximately 19 thousand pesos, when any bank that lends that money charges almost 50 thousand pesos, they explain in the ANSeS.
Requirements to access credit for employees
To be able to take out the loan you must be a worker in a dependency relationship contributing to the Argentine Integrated Pension System (SIPA). That is, municipal and provincial public employees of Buenos Aires, Córdoba, Chaco, Chubut, Corrientes, Entre Ríos, Formosa, La Pampa, Misiones, Neuquén, Santa Cruz, Santa Fe and Tierra del Fuego will not be able to apply for the credit. Nor will those who make contributions to their own professional funds be able to do so.
Be the owner of a credit card from the bank where he receives his salary. This means that this measure does not apply to non-bank credit cards issued by financial entities. Reside in Argentina permanently. Have a seniority in your job of no less than 6 months. Not be a temporary, discontinuous, seasonal or temporary worker. from private homes.Do not have a salary greater than $700,875 per month (gross).Be over 18 years of age and not reach retirement age at the time of full cancellation of the credit.Do not exceed situation 2 in the BCRA Debtors Central. Not having a retirement or pension.
Step by step how to get employee credit
1. Have the Social Security Code: People who do not yet have it will be able to create it at the moment, from their computer or cell phone on the ANSeS website.
2. Enter my ANSES – web and app – (Monday to Friday from 10 a.m. to 8 p.m.): enter the CUIL and Social Security Code and choose the option Employee credits.
3. Generate the request in the my ANSES application: there you can choose the amount and the number of credit installments to request. After completing the application, a few days later an SMS or notification will be sent to your cell phone to re-enter the my ANSES application in which you will be given a code with which you will have to go to one of the offices to complete the process. .
4. With the code, at an ANSES office: They must go without an appointment with their ID and the code received within a period of 10 days. After that time, the code will no longer be active and you will have to start the request again through my ANSES.
5. Completion of the procedure: Once the request has been accepted, in the next 7 business days the requested amount will be credited to the credit card you chose.
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