2023-07-17 18:20:12
After the announcement of the National Government of a credit line of up to 400,000 pesos with an ultra-low interest rate for retirees and pensioners, the demand to access loans continues to be high throughout the country.
VER: Announcement: credits of up to 400,000 pesos for retirees and pensioners with only 29% interest
Although many times there are difficulties to request the appointment via the web, precisely due to the high levels of consultations that cause the Anses page to appear collapsed, there are also many people who have already managed to get around that first step.
But the important thing is to know some income conditions to access this line of credit subsidized by the National State, as well as the amount of the installments to be paid, which will also depend on whether the term chosen for the return is 24, 36 or 48 installments.
How much money does Anses lend to retirees?
Taking into account that the fee-income ratio cannot be greater than 30%in order to request the $400.000:
in 24 installments you have to earn more of $79,452 per month.In 36 installments you have to earn more of $61,461 per month.In 48 installments you have to earn more of $52,822 per month.
The maximum amount varies depending on the type of benefit received. Retirees will have access to a loan of up to $400,000, and in the case of pensioners, they will have a maximum of $150,000.
How much is the fee for the Anses loan?
In the official website of Anses, and simulator It allows evaluating the desired sum with the different repayment terms for the CUIL number and the Social Security code corresponding to the applicant. Then you have to look for the option “Request an ANSES Credit”.
In this way it can be known that, when requesting the $400.000 -the maximum- the initial fee result will be:
-Of $23.835 if the return is in 24 months.
-Of $18.438 if the loan is 36 months.
-Of $15.846 if the loan is 48 months.
Requirements
-Reside in the country.
-To be less than 92 years old at the time of finalizing the credit.
-The holders of ANSES Credits will not be able to buy foreign currency.
documentation
DNI.CBU of own bank account that is obtained at the bank, ATM or home banking.
How is the new Anses loan for retirees?
-Amounts and fees: As reported by Anses, retirees will have access to a loan of up to 400,000 pesos, and in the case of pensioners, they will have a maximum of 150,000 pesos. There will be possibilities to return the money within a period of 24, 36 and 48 installments.
-Interest rate: the cost of the loan will be 29% per year of the Annual Nominal Rate (TNA), so the interest in real terms would be higher since the rate to consider is the CFT (Total Financial Cost), which arrives in the most expensive line only 37.55% per year. According to Anses, it represents the “lowest market” interest rate. For comparison only, the installment program Now 12 has a TNA of 72.75 percent.
The Anses website gives basic guidelines to obtain it:
-From $5,000 to $400,000 in 24, 36, or 48 installments.
-Retirees will have access to a loan of up to $400,000, and in the case of pensioners, they will have a maximum of $150,000.
-The fee cannot exceed 30% of the monthly income.
-The credit is deposited in the bank account within 5 business days.
-Before applying for credit, you can simulate the fee by entering my Anses.
How to take the turn of Anses for loans for retirees?
On its website, the pension agency highlights that “before request a turn to be attended in our offices, remember that you can do paperwork from a computer, through my Anses, Virtual Service or from your cell phone with the app mi Anses. You only need to enter with your CUIL and Social Security Code.
You must enter the section shifts which is in the box Shortcuts on the main screen and choose the service or type of procedure you need to carry out. Subsequently, you must indicate your CUIL number and click Continue.
The next step will be to choose the Anses office to carry out the procedure and the desired time slot. Then, the person will view the shift record in which the application number, their first and last name, the chosen delegation and the day and time assigned will be indicated. There she must present herself with her ID and the necessary documentation for the process.
Shifts can also be requested through the official application for Mi Anses mobile devices, which is free and available for Android operating systems.
To consult and/or cancel the shift, the person may choose between these two options:
Enter the Shifts section, Have you already taken a shift?, Cancel shift / Check shift. Then, you will have to enter your CUIL, the shift request number and click Continue. Thus, the system will show you the data of the shift to confirm it or, otherwise, cancel it. Enter My Anses with the Social Security Code and go to Personal Information, My Shifts. There it is not necessary to enter the application number.
rejections
If you receive a notification of rejection after applying for an ANSES Credit, it will be rendered ineffective to avoid discounting your retirement, pension or allowance fee. Below are the reasons for possible rejection and the steps you could take to solve it.
Rejection codes: retirees and pensioners, non-contributory pensions and Universal Pension for the Elderly. 02, 06 and 13: The bank account is closed at the time of making the transfer. You can approach your bank to corroborate the personal and account information, and request rectification if applicable. Once the information is updated, you can request an appointment to process a new loan. 01, 06, 10 and 65: Rejected by the receiving bank. This can happen due to inconsistencies in the configuration of the bank account, because the account is seized, among others. You can approach your bank to corroborate the personal and account information, and request rectification if applicable. Once the information is updated, you can request an appointment to process a new loan.
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