Anses Credits: how to request loans of up to $1 million for employees and retirees

In both cases the procedure must be completed in person.
In both cases the procedure must be completed in person.

The National Government announced the expansion of credits at a subsidized rate for retirees and for employees in a dependency relationship. The former will be able to request up to $600,000 (previously it was $400,000) and the latter will have the possibility of accessing $1,000,000 (they also had a limit of $400,000), as long as they meet the requirements.

In both cases, the applications for the expanded credits They will only be able to take place starting Monday, November 6..

Both in the case of workers and retirees, those who obtain the credit They will not be able to buy dollars until all installments have been paid.

According to what was reported by Consideredlos registered workers Those interested in accessing the loan must apply exclusively through the agency’s website (, or through the mi Anses application, every day from 10 a.m. to 8 p.m.

The first step to place the order is to enter the website or application with your social security code. If you do not have it, you can create it from your computer or cell phone by following the step-by-step instructions found on the Anses website.

Once inside, you must choose the “employee credits” option. The application guides users until completing the request. Then, you can check the processing status on the microsite of “mi Anses”.

Once the agency processes the request, it sends a code by courier. Upon receiving it, you must go personally to an Anses office, without a prior appointment, to confirm your identity and complete the process.

It should be noted that the application is automatically withdrawn if the applicant does not submit it within seven business days. It is essential to come with ID in hand.

Retirees access credits with a Total Financial Cost of up to 37.55%.
Retirees access credits with a Total Financial Cost of up to 37.55%.

The requirements to obtain the loan are to reside in Argentina permanently, have a work experience of no less than 6 months, not be a temporary or private household worker, not exceed situation 2 in the Central Debtors of the BCRA and be the holder of a credit card at the bank where you collect your salary.

Loans can be requested by workers with a salary of up to $1,980,000 (Income Tax floor that applies from today). The amount is up to 1 million pesos, with an Annual Nominal Rate (TNA) of 50%, to be returned in 24, 36 or 48 installments. The first installment will be deducted 3 months after receiving the loan.

This implies an increase of 150 percent of the current maximum amount for this line ($400,000) and it is estimated that it could reach more than 5.4 million people who would meet the requirements.

Loans for workers in a dependency relationship are credited to a credit card and cannot be transformed into cash or used to create a fixed-term deposit, so they are designed exclusively for consumption.

At the same time, retirees and pensioners of the Argentine Integrated Pension System (SIPA) They will be able to access loans of up to $600,000 and holders of Non-Contributory Pensions (PNC) and PUAM, up to $250,000, with a TNA of 29%, well below what is offered in the market, and choose to return it in up to 24 , 36 or 48 installments. They are able to request them all retirees and pensioners, that is, 7.7 million people.

To carry out the procedure, retirees must enter “Mi Anses” with their CUIL y Social Security Code and request an appointment at one of the agency’s nearby offices. The rest of the procedure is completed in person, with ID in hand, following the step by step that the employees report.

If the conditions are met, the money will be deposited in the account in which the person collects their pension benefit within a period of 5 business days.

To manage these loans, the beneficiary must reside in the country and be under 92 years of age at the time the loan ends. The loan payment may not exceed 30% of the monthly income.

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