2023-09-18 00:50:00
The Minister of Economy and presidential candidate, Sergio Massa, announced that From this Monday, September 18, workers will be able to request the granting of personal loans with very convenient conditions.
This line of loans is part of a battery of measures to alleviate the effects of the devaluation and inflationary jump in the month of August, and reactivate consumption in view of the general elections on October 22. Below are the details of the program.
Loans for workers: the process step by step
According to Telam, the five steps to complete the procedure without the need for intermediaries are the following:
1. Obtain the Social Security Code.
2. Access the ‘My ANSES’ application, Monday to Friday from 10 a.m. to 8 p.m. You must enter your CUIL and Social Security Code, then select the ‘Credits for workers in a dependency relationship’ option.
3. Generate the request in ‘My ANSES’, where you can select the amount and the number of installments you want for the credit.
4. In a few days you will receive a notification on your cell phone that will contain a code.
5. With the code you have received and your ID, you will have to visit an Anses office without an appointment within a period of 10 days (the code will no longer be valid following that period). After that time, you will have to start the application once more through ‘My ANSES’.
Once your request is approved, the amount you have requested will be credited within seven business days.
Credits for workers: amounts
The maximum capital that applicants can request is $400,000. However, there is an additional limit: the value of the installment (including interest) may not exceed 20% of the gross monthly salary of the applicant worker.
Taking into account that the amount assigned to carry out this policy is $450,000 million, It is estimated that loans can be granted to more than one million people.
Loans for workers: interest rate
As we already mentioned, the credits will be given to a nominal annual rate of 50%which is significantly lower than the inflation rate or the rate paid by a fixed term.
This makes it an attractive alternative.and if the applicant believes that inflation will continue above that rate for a long time, the best decision they might make is to choose the longest possible term.
Credits for workers: deadlines and grace period
There will be three possible deadlines for the repayment of the requested loans: 24, 36 or 48 months.
But there is an additional element: the debtors They will begin to pay the installments only 3 months from the date of granting the credit. That is, there will be a 3-month grace period.
Credits for workers: accreditation
The requested and approved credit funds whether they will believe in a credit card in the name of the applicant and issued by the bank where he receives his salary.
The amount borrowed is not deposited directly into the account to ensure that it is used for consumptionand not to obtain a return through placements in fixed terms or purchases of dollars (and to avoid greater pressure on exchange rates).
Credits for workers: refund
The value of the fees will be debited directly from the account where the worker receives his salary.through the National Payment System of the Central Bank of the Argentine Republic (BCRA).
Remember that there is a grace period of 3 months and that The amount of the fee may not exceed 20% of the gross monthly remuneration.
Credits for workers: requirements
They are only intended for workers in a dependency relationship with gross income below the non-taxable minimum income tax. Likewise, it is requested that they be banked employees, with a minimum work experience of 6 months uninterrupted and have a credit card in their name.
Applicants must be permanent residents in Argentina. In the case of women, They must not have reached the age of 60 (minimum retirement age) at the time of finalizing the loan payment. In the case of men, That age limit goes up to 65 years. (minimum retirement age).
Whoever makes use of this line of credit will not be able to buy savings dollars until they finish amortizing the requested capital.
Furthermore, they must not be beneficiaries of retirement and/or pension with the “Créditos Anses” line and they must be in “Situation 1” or “Situation 2” in the Central Bank of Debtors of the BCRA.
Finally, consider that whoever makes use of this line of credit You will not be able to buy dollar savings until you finish amortizing the requested capital.
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