If you are a beneficiary of the Decree 512/2021, General Resolution of the AFIP 5058/2021, and Communication A 7342 and B 12.209 of the BCRA, I followed the following instructions to finalize your application for the “Zero Rate Credit”.
Customers
• If you are already a Province Internet Banking user (BIP): enter BIP> click on the Loans tab> then enter the option “Zero Rate Credit”> check the data and confirm your request.
• Yes no SOS user of the Provincial Internet Bank (BIP): click here. Then enter BIP> click on the Loans tab> then enter the option “Zero Rate Credit”> check the data and confirm your request.
If you do not have a credit card at the time of entering the “Zero Rate Credit” option, you will be granted a Visa credit card.
No customers
Link to the Bank by downloading the application from DNI account by clicking here. Once your DNI Account registration has been successful, become a user of Provincial Internet Bank (BIP) from the application side menu.
Once you have entered BIP, click on the Loans tab> then enter the option “Zero Rate Credit”> check the data and confirm your request.
At the time of entering the “Zero Rate Credit” option, you will be granted a Visa credit card.
Know the Terms and Conditions
Frequent questions
“Zero Rate Credit” for monotax clients in accordance with the guidelines established by Decree No. 512/2021, General Resolution of the AFIP 5058/2021, and Communication A 7342 and B 12209 of the Central Bank of the Argentine Republic.
What is this credit?
It consists of obtaining a loan with an annual nominal interest rate of fifteen percentage points (15% TNA) with a subsidy of 100% of the Total Financial Cost. Therefore, the client will pay an interest rate and a total financial cost of 0%.
How do I know if I can request it?
If you are adhering to the Simplified Regime for Small Taxpayers (Monotributista), the AFIP will be in charge of informing you if you access the credit and the available amount that you can request.
How I requested?
You will have to enter the service made available by the FEDERAL ADMINISTRATION OF PUBLIC INCOME (AFIP), through its website, and apply. Then you will have to continue the operation by BIP.
What are the benefits of credit?
The credit will have a grace period of six months from the first accreditation. At the end of this period, you will return it in twelve equal and consecutive monthly installments.
For example: if you ask for $ 150,000, the loan will be credited to you in a disbursement of $ 150,000. You will pay the installments on a monthly basis from the seventh month, with reimbursement in 12 equal and consecutive monthly installments, using the credit card in which the disbursement was made as a means of payment.
Where is the accreditation done?
The accreditation will be made on the Banco Provincia credit card.
I do not have a Banco Provincia credit card, can I request the same credit?
If the AFIP informed you that you can access the loan, we will grant you a credit card where the accreditation of the amount authorized by AFIP will be made, without issuance or maintenance cost.
Does this credit have any limitation?
Yes, the amount credited to the credit card will not be able to be used to make cash advances.
Additionally, from the moment of accreditation and until the total cancellation of the “Zero Rate Credit 2021”, you will not be able to access the free exchange market or arrange sale operations in the country, of securities with settlement in foreign currency, nor exchanges of securities for other external assets or transfers thereof, to foreign depositary entities. Likewise, as of the declaration of granting of the “Zero Rate Credit 2021” completed, it will be disqualified to operate in exchange for 18 months from the date of accreditation, or until the financial entity reports the total cancellation of the credit.
What if I took the 2020 Zero Rate Credit?
In the event that you had obtained a Zero Rate Credit within the framework of the ATP Program and that at the time of requesting a “Zero Rate Credit 2021” If you are in default in meeting the 2020 credit, you must allocate the amount of the new credit to cancel the entire amount owed and you will be able to freely enjoy the balance, if there is any remaining.
Can I use the credit on the card in any purchase in stores?
Yes, you can use it for purchases in a payment in stores, in person or on the web.
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