BUENOS AIRES – In ANSES, the retirees and pensioners, they can get crevenues up to $ 200,000 to be returned in several years. The program of personal loans of the body remains active and, with a face-to-face procedure, older adults can receive the required funds in less than a week.
The ANSES loans can be of $ 5,000 minimum and $ 200,000 maximum. But not all retirees and pensioners are in a position to request the largest amount.
Each beneficiary has a particular credit limit, which ultimately depends on how much they charge each month. The rule is that the fee to pay may not exceed 20% of monthly income of the person. Currently, since March, the minimum retirement is $ 20,571.
Therefore, for example, whoever charges $ 25,000 per month may only request an ANSES Credit that yields installments of less than $ 5,000 per month.
And whoever has a credit of $ 40,000 must adjust the chosen amount and the amount of installments in such a way that the monthly payments do not exceed $ 8,000 per month.
What are the available return times?
ANSES Credits are awarded with fixed rate payment plans lasting five years.
When requesting the loan, the elderly can choose repayment schemes in 24 monthly installments (2 years), in 36 installments (3 years), in 48 installments (4 years) or in a maximum of 60 installments (5 years).
Of course, age imposes a limit. Applicant must be under 90 years old at the time the credit ends. Thus, only those 85 and younger can use the longer term.
How much is the interest rate and how convenient is it?
Whatever the amount and term of the loan, the installments of the ANSES Credits are calculated with the French amortization system, taking a fixed nominal annual rate (TNA) in pesos of 29%.
This is a very advantageous level of interest compared to the market. In banks, personal loans were given at the end of March with an NER of 53.8% on average, according to the Central Bank.
How to know what the amount of each installment will be?
On the ANSES website, interested parties can access a simulator that allows combining the desired sum with the different possible repayment terms to find out, in one click, how much the fees would be in each case.
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To use this tool it is necessary to enter “My ANSES” (with this link), choose the option “ANSES Credit” and then “Quota simulator”.
The installments to be paid throughout the “life” of the loan will not all be identical, but the important thing is that they do not increase, as in other systems.
They will be, in fact, a little more expensive at the beginning than at the end, with a gradual decline. For example, for those who take $ 100,000 in 24 payments, the installment No. 1 will be $ 5,857, the No. 12 will be $ 5,734 and the No. 24 will be $ 5,557.
With the projected high inflation, a scheme of this type makes it possible to expect a progressive liquefaction of the impact of the fees on the monthly income of the retiree or pensioner.
How is the procedure to request an ANSES Credit?
The procedure is face-to-face and must be carried out in an ANSES office, previously taking an appointment on the agency’s website, through this link.
“The procedure can only be done by the retiree or pensioner, that is, their attorney cannot do it,” they clarify.
They also specify that blind, illiterate or unable to sign persons must attend together with a trusted person over 18 years of age as a witness.
To the appointment it is only necessary to bring the DNI and a certificate with the CBU number of the bank account itself, which is obtained by ATM, by home banking or by going to the bank.
How long does it take to deliver the borrowed money and how is it charged?
Once the request is made, the loan money becomes available within five business days: about a week.
It is not charged in cash, but the ANSES deposits it in the same bank account in which the retiree or pensioner collects his credit.
Can those who collect non-contributory pensions access a credit from ANSES?
Yes. It corresponds to people over 18 years of age residing in the country who collect non-contributory pensions for Disability, for Old Age or for being mothers of 7 or more children.
For this group, the available credits are up to $ 70,000 with installments that cannot exceed 20% of the monthly income. The details of the procedure can be found in this link.
Can those who collect the Universal Pension for the Elderly (PUAM) access a credit from ANSES?
Yes. For this group, available credits are up to $ 70,000 with installments that cannot exceed 20% of monthly income. The details of the procedure can be found in this link.
Can those who collect the Universal Child Allowance or the Family Allowance for Child have access?
At the moment, no. When inquiring about this possibility, ANSES explains on its website that it is “working on the relaunch” of the loans for beneficiaries of these plans.
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