2023-07-12 13:43:00
With fanfare, and the key electoral background, the national government launched this Tuesday Loans at an affordable rate for retirees and pensioners of Argentina. It’s regarding the ability to access up to 400 thousand pesos with the possibility of returning them in “comfortable” installments. However, The benefit carries a series of restrictions, ranging from having declared income to not having purchased MEP or CCL dollars in the last 90 days.
The announcement was made by the Minister of Economy and candidate for president for Unión por la Patria, Sergio Massaand the owner of Anses, fernanda raverta, before an auditorium full of retirees and pensioners. Measure opens the possibility of accessing loans with a preferential rate of 29% and the possibility of returning them in 24, 36 or 48 installments.
ANSES credits to retirees and pensioners: rates and terms to request up to $400,000
However, there are a series of restrictions that limit access to advertised credit. These impediments include, among others, to who bought MEP dollar or counted with liquidation (CCL) in the last 90 days; who in 2020 received part of their salary through the Production and Work Assistance program (ATP), activated during the pandemic.
In addition, the restrictions point to monotributistas who have ongoing credits at a subsidized rateto those who do not have their income declared, co-owners of bank accounts and those who have exceeded the quota of 200 dollars with a credit card, whether in payment of Netflix or Spotify and other platforms.
Those who have a 12-installment payment plan for credit card debts will not be able to obtain Anses credit either, just like Those who have refinanced their debts with banks for personal, pledge or mortgage loans. In addition, beneficiaries of the income reinforcement that was paid in May and June 2022 will not be able to have the loan either, as will those who enter the pension moratorium without 30 years of contributions.
PAMI: all procedures can be carried out by retirees and pensioners by WhatsApp
One by one, what are the restrictions
Those who bought MEP or CCL dollars in the last 90 days; Those who received salaries in 2020 through the Production and Work Assistance program (ATP); Those who collect social plans or state aid such as the AUH; Monotributistas who have credits in progress at a subsidized rate; Those who do not have their declared income; Co-holders of bank accounts; Those who spent their quota of US$200 with a card (includes, for example, the payment of Netflix or Spotify in dollars); Those who have a 12-installment payment plan for credit card debts; Those who refinanced their debts with banks for personal, pledge or mortgage loans; Beneficiaries of the income reinforcement that was paid in May and June 2022. Since September 2022, in addition, those who receive state subsidies for the payment of electricity and gas rates have been added. Those people who enter the pension moratorium to retire without having 30 years of mandatory contributions. Retirees and pensioners of the ANSES who access the new credits of up to $400,000 Massa and Raverta, during the announcement.
You will not be able to buy official dollars
The Economy measure seeks to flood the economy with pesos to encourage consumption at election time. But it occurs in the context crossed by the shortage of dollars from the Central Bank, with which, if the intention is to access official dollars through the bank, the operation will not be allowed. In other words, retirees will not be able to access the Single Free Exchange Market (MULC).
“The retiree does not make cash with liquidation, does not buy future dollars or shares are stamped. The retiree consumes and moves the internal market“Minister Massa said yesterday.
Retirees: Massa and Raverta announced new ANSES Credits
During the press conference, the minister also said that it was possible to launch the credit line from the debt exchange in dollars in the hands of the public sector that the Sustainability Guarantee Fund (FGS) of Anses. In other words, the measure that allowed the agency to cease its titles in foreign currency in exchange for bonds in pesos.
Regarding this, the head of the Palacio de Hacienda said: “When in March we decided to redo the FGS portfolio, they said that we were going to lose money, and an opinion from the UBA that said that in reality we were going to earn money. (That portfolio) was worth 35 billion dollars, today it is worth 60 billion dollars and that is a support for the system to protect our retirees.”
ANSES: how to access the $8,000 pesos refund in supermarkets
How can you apply for credits?
As officially communicated, the credits must be managed in person at the ANSES offices, with previous shift from yesterday onwards.
As Massa himself explained, ANSES offices will also open to the public on Saturdays.
The credits are intended for retirees and retirees of the Argentine Integrated Pension System (SIPA) and holders of Non-Contributory Pensions (PNC). In the case of pensioners, the amount that can be accessed reaches 150,000 pesos.
“The retiree consumes and moves the domestic market,” said Massa.
During May of this year 185,223 loans were granted with an investment of 16,281 million pesos, according to the information given by the authorities during yesterday’s press conference. Of this total, 70 percent corresponds to SIPA retirees and the remaining 30 percent to PNC.
It is worth mentioning that one of the main requirements to access is have a CBU.
AS/fl
1689169955
#Credits #retirees #impediments #access