ANSES credits: all the details of the loan line for workers

The director of the National Social Security Administration (ANSES)Fernanda Raverta announced this Thursday the official launch of loans of up to $400,000 that, for the first time in its history, the organization will give to active workers who are contributors to the pension system, within the framework of the Income Strengthening Program for Argentine families.

This is a key measure implemented by the Minister of Economy, Sergio Massa, to alleviate the effects of devaluation and inflation in the pockets of Argentines. And, as Ámbito learned, these are the details of the announcement:

ANSES credit: since when can it be requested

As Raverta anticipated, starting Monday, September 18at 10 in the morning and until 8 p.m., interested people will be able to access the credits of up to $400,000.

ANSES credit: who can access the benefit

These credits are intended to people who contribute to the Argentine Integrated Pension System (SIPA) whose income does not exceed the current Income Tax floor (which is currently 700,875 pesos). As requirements, Workers who want to access credit they must:

• be in a dependency relationship,
• not be reached by Income Tax,
• reside permanently in the country and
• own a seniority of not less than six continuous months under the same employer.
• They will not be able to exceed the retirement age by the end date of the loan payment,
• They must not be beneficiaries of a current ANSES line of credit,
• Nor do they fall within the category “situation 2” in the registry of debtors of the Central Bank (BCRA).

ANSES credit: how to apply

To access the loans, you must have credit card and workers will be able to process them through the ANSES website. In this way, interested workers will be able to request them from the page www.anses.gob.ar, or from the agency’s application.

Once they have the code that will be provided after making the request, they must go to an office of the organization without an appointment to validate the procedure and avoid scam situations. In this sense, it is remembered that ANSES will not communicate to offer loans or request personal data.

The loan money will be deposited on the bank credit card where they collect their salary.

ANSES credit: the conditions

Raverta explained that the loans They may be 24, 36 or 48 installments.applies a Annual Nominal Rate (TNA) of 50% (against 100% of traditional credits) and will only be used to buy an appliance, consume some good, a refrigerator or a washing machine.

For example, a loan that a worker has taken out for $400,000 in 48 installments will be repaid at a rate of $19,000 per month, while in any other bank the average payment is $50,000.

According to this established the Decree 463/2023published last week in the Official Gazette, which establishes the conditions of the line implemented by ANSES, a grace period of up to three months and once that period ends can be returned in 24, 36 or 48 installments.

Every month it will debit the balance corresponding to the installments from the accounts in which the workers receive their salaries.

ANSES credit: available funds and possible destinations

For the new line of loans, the Government will allocate $450,000 million, and the amount may be increased if the Executive determines so.

As provided in the initial version of the credit linethe maximum amount to be granted will be $400,000although, in all cases, the fee-income ratio of the credit granted may not exceed the 20% of monthly salary from whom I take the loan.

will only be used to buy an appliance, that is, to consume some good.

ANSES credit: the objective of the measure

It is a credit that aims to support the pockets of the Argentine family. The national State seeks to accompany them with the objective of motorizing their consumption and giving them the possibility of getting rid of debt with their credit cards.

ANSES credit: the steps to request it

• Have the Social Security Code (those who do not yet have it can create it at the moment, from their computer or cell phone on the ANSES website) –
• Enter the My ANSES website or application (web and app) from Monday to Friday from 10 a.m. to 8 p.m. with information on the number of CUIL and Social Security Code.
• Choose option Credits for workers in a dependency relationship.
• Generate the request in the my ANSES application and choose the amount and amount of installments of the credit to be requested.
• After a few days they were send an SMS or notification to cell phone to re-enter the my ANSES application in which you will be given a code.
• Get closer with him code to one of the ANSES offices to complete the procedure without an appointment and with the DNI of the person who is going to process it (it must be within 10 days of receiving the code).
• Once the application has been accepted, in the next 7 business days, it will be credited the amount requested on the credit card you chose.

ANSES credits: warnings for those who want to access

It is essential to keep in mind that the code received will no longer be active after 10 days and they must start the application again through my ANSES.

Likewise, it is remembered that the organization will not communicate to offer loans or ask for personal data.

And, finally, it is worth remembering that the decree clarifies that Applicants will not be able to access the exchange market to buy foreign currency until the cancellation of the credit, which will be complemented by explanatory regulations from other organizations such as the Central Bank.