2023-06-19 00:43:11
The Ministry of Economy announced new fixed rate credits for taxpayers of monotribute.
This line of credit at a subsidized rate will allow the monotributistas financed below inflation. In this way, more than a million taxpayers will benefit from the expansion of the Argentine credit line.
What loan can I take out as a monotributista?
The National Government offers a series of loans for monotributistas, with different objectives and maximum amounts.
The first are called microcredits since they have a an amount equivalent to triple the monthly billing of the category to which each taxpayer belongs, with a maximum limit of $150,000.
These credits They are an incentive to accompany entrepreneurs who are in the lowest categories of the monotribute. The money is intended to promote the activity of each taxpayer and encourage them to continue producing and carrying out their projects.
He loan It is up to $150,000, it is deposited as a balance on the credit card in three equal installments and can be paid in up to 12 installments. It has a zero interest rate.
On the other hand, the Bank of the Argentine Nation has a credit line available for monotributistas ranging from $1,000,000 to $4,000,000 and up to 120 installments can be paid.
These credits They are intended for the renovation, expansion and completion of single housing and permanent occupation. The work must be 60% complete to be considered finished.
Monotributistas can access a series of credits.
Las credit lines offered by Banco Nación are the following:
To request a $1,000,000 loanwith a monthly payment of $46,046, you must have a income greater than $153,487
To request a $2,000,000 loanwith a monthly payment of $92,092, you must have a income greater than $306,973
To request a $3,000,000 loanwith a monthly payment of $138,138, you must have a income greater than $460,460
To request a $4,000,000 loanwith a monthly payment of $184,184, you must have a income greater than $613,947
These loans they have one fixed interest rate of 57% nominal annual the first 12 months. Then, the amount will be variable and will be calculated for annual periods from the Percentage of the Increase of the Coefficient of Salary Variation (CVS).
After 36 months, the private sector Badlar Rate will be applied, multiplied by thirteen.
Lastly, the monotributistas can access the new Argentine Credit Line (CreAr) recently announced by the government.
These credits They are intended for microenterprises of productive activities to maintain consumption and sustain economic activity.
The loans have a maximum amount of 2,200,000 pesos to be paid in a maximum period of two years. It will have an interest rate with 40 subsidized points with respect to the Badlar Rate.
1,240,000 monotributistas will be able to access the new line of credit.
How is the new credit for monotributistas?
The financing program Argentine Credit (CreAr) A new line of credit for productive microenterprises was started for monotributistas to finance investments such as the purchase of equipment, tools and productive needs.
Argentine credit (CreAr) is a financing program that began in 2022 and already has an investment of 1 billion pesos.
With the new line of credit, it is expected to reach more than 1,200,000 monotributistas to empower entrepreneurs and promote development. Likewise, it seeks to guarantee financial inclusion.
The extension of the Argentine credit line allows access to loans to fixed rates of 43%. The credits do not have banking requirements and are intended for investments in working capital.
All categories of monotribute They will be able to access credits, with the exception of the three largest categories, I, JK, which do not include the provision of services.
it is intended for micro-enterprises of productive activitieswithout including professionals such as lawyers, economists or accountants, nor trade.
Those taxpayers who have debts in the Fogar will not be able to request credits. On the other hand, people who have previously obtained credits and have been good payers will be rewarded with a 50% increase in the maximum amount.
The new line of Argentine Credit has a fixed interest rate of 43%.
How do you pay the credit for monotributistas?
He Argentine Credit program (CreAr) It was created with the aim of maintaining consumption, reinforcing investment in production to sustain economic activity, promoting industrial exports, promoting the transformation of the productive structure and generating quality employment.
Through its financing scheme, it seeks to make it easier for all productive activities to access financing with reduced interest rates and backed by the National State and the Argentine Guarantee Fund (FOGAR).
The program includes various financing options, such as credit lines in state banks, in private banks or direct loans from FONDEP. In addition, it has lines designed exclusively for MiPYMEs, medium-sized or large companies.
The procedure is carried out directly in the bank of the monotributista.
The new line of credit will be available for 1,240.00 monotributistas. They may request up to a maximum amount of $2,200,000 for a term of 24 months, with a interest rate with 40 subsidized points regarding the Badlar.
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