{"id":2811,"date":"2023-07-16T09:15:51","date_gmt":"2023-07-16T12:15:51","guid":{"rendered":"https:\/\/nogoyatimes.com\/?p=2811"},"modified":"2023-07-16T09:15:51","modified_gmt":"2023-07-16T12:15:51","slug":"paso-a-paso-como-pedir-el-prestamo-de-anses-de-hasta-400-000-para-jubilados","status":"publish","type":"post","link":"https:\/\/nogoyatimes.com\/?p=2811","title":{"rendered":"Paso a paso, c\u00f3mo pedir el pr\u00e9stamo de Anses de hasta $400.000 para jubilados"},"content":{"rendered":"

Todos los detalles<\/h2>\n

Est\u00e1 habilitado el sistema de turnos para solicitar los pr\u00e9stamos. Con un costo financiero por debajo del 40% es dinero prestado a una tasa debajo de la inflaci\u00f3n.\u00a0C\u00f3mo hacer para acceder al nuevo cr\u00e9dito de hasta $400.000.<\/b><\/p>\n

La nueva l\u00ednea de cr\u00e9ditos para jubilados y pensionados de la ANSES, que tendr\u00e1 una tasa de inter\u00e9s subsidiada y permitir\u00e1 acceder a pr\u00e9stamos de hasta $400.000, ya est\u00e1 en marcha tras la publicaci\u00f3n de la medida el 15 de julio en Bolet\u00edn Oficial, bajo la resoluci\u00f3n 144\/2023.
\nLos pasos a seguir para poder sacar turno con el fin de solicitar un Cr\u00e9dito ANSES son varios, pero sencillos.<\/p>\n

Las pautas b\u00e1sicas para obtener los pr\u00e9stamos:<\/b>
\n\u2022 Desde $5.000 hasta $400.000 en 24, 36, \u00f3 48 cuotas.
\n\u2022 Los jubilados tendr\u00e1n acceso a un pr\u00e9stamo hasta $400 mil, y para el caso de los pensionados, tendr\u00e1n un tope de $150 mil.
\n\u2022 La cuota no puede exceder el 30% del ingreso mensual.
\n\u2022 El cr\u00e9dito se deposita en la cuenta bancaria dentro de los 5 d\u00edas h\u00e1biles.
\n\u2022 Antes de solicitar el cr\u00e9dito, se puede simular la cuota ingresando en mi Anses.<\/p>\n

\u00bfA qui\u00e9n est\u00e1 dirigido?<\/h5>\n

Titulares de jubilaciones y pensiones del SIPA.<\/p>\n

\u00bfCu\u00e1les son los requisitos?<\/h5>\n

\u2022 Residir en el pa\u00eds.
\n\u2022 Tener menos de 92 a\u00f1os al momento de finalizar el cr\u00e9dito.
\n\u2022 DNI (\u00faltimo ejemplar).
\n\u2022 CBU de cuenta bancaria propia que se obtiene en el banco, cajero autom\u00e1tico o home banking.
\nCabe destacar que quienes tomen el cr\u00e9dito no pueden comprar d\u00f3lares<\/b><\/p>\n

\u00bfC\u00f3mo pedir el pr\u00e9stamo?<\/h5>\n

1. Reunir la documentaci\u00f3n.\u00a0Se necesita \u00faltimo ejemplar de DNI para iniciar la solicitud.<\/u>
\n2. Revisar que los datos personales y de contacto est\u00e9n actualizados en mi Anses.
\n3. Solicitar un turno para ser atendido en una oficina de Anses<\/p>\n

\u00bfCu\u00e1l es el costo del tr\u00e1mite?<\/h5>\n

Gratuito<\/p>\n

Tasa de Inter\u00e9s<\/h5>\n

El costo del pr\u00e9stamo ser\u00e1 de 29% anual de Tasa Nominal Anual (TNA<\/b>), por lo que el inter\u00e9s en t\u00e9rminos reales ser\u00eda mayor ya que la tasa a considerar es la del CFT (Costo Financiero Total). Seg\u00fan Anses, representa la tasa de inter\u00e9s \u201cm\u00e1s baja del mercado\u201d.<\/p>\n

Costo financiero total<\/h5>\n

M\u00e1s all\u00e1 de la tasa, el costo que terminar\u00e1n pagando los que tomen el cr\u00e9dito es algo m\u00e1s alto. Incluyendo costos administrativos, seguros y otras variables, el costo financiero total (CFT) es el mejor indicador de lo que costar\u00e1 el pr\u00e9stamo.<\/p>\n

\u00bfYa se puede solicitar el cr\u00e9dito?<\/h5>\n

El registro para solicitar estos cr\u00e9ditos comenz\u00f3 el 15 de julio y deber\u00e1 ser realizado con turno previo en las oficinas de Anses. El organismo inform\u00f3 que abrir\u00e1 sus puertas tambi\u00e9n los s\u00e1bados para acelerar el inicio de los tr\u00e1mites.<\/p>\n

\u00bfConviene sacar el cr\u00e9dito Anses para jubilados?<\/b><\/p>\n

Los cr\u00e9ditos de Anses son muy convenientes en t\u00e9rminos financieros. El financiamiento es el m\u00e1s barato del mercado, por lejos. Si se tiene en cuenta que hasta mayo la inflaci\u00f3n medida por Indec corr\u00eda al 114% mensual, es pr\u00e1cticamente dinero gratis ya que el costo financiero total de repagar el cr\u00e9dito es directamente negativo en t\u00e9rminos reales (37,55% como m\u00e1ximo frente a 114% de inflaci\u00f3n).<\/p>\n

Solo como comparaci\u00f3n, el programa de pago en cuotas Ahora 12 tiene una TNA de 72,75 por ciento. En los dos casos se trata, de todas formas, de financiamiento por debajo del ritmo de inflaci\u00f3n. Es decir, conviene m\u00e1s comprar un electrodom\u00e9stico con este financiamiento que en \u201c12 cuotas sin inter\u00e9s\u201d de Ahora 12.<\/p>\n

Pero hay m\u00e1s, el Banco Central regula hoy las tasas de inter\u00e9s que pagan los bancos por plazos fijos en pesos. Est\u00e1 en el 97% nominal anual, 50 puntos porcentuales m\u00e1s que el CFT m\u00e1s alto de los cr\u00e9ditos Anses para jubilados. O sea, tomar el cr\u00e9dito y colocarlo en un plazo fijo es endeudarse a un costo real negativo y depositar a un rendimiento que sigue de cerca -o supera, en t\u00e9rminos efectivos anuales- a la inflaci\u00f3n. Fuente: Infobae<\/p>\n

\"\"<\/p>\n

Escuch\u00e1 La 100 #Nogoy\u00e1<\/a><\/strong> en vivo<\/strong>\u00a0Seguinos en\u00a0<\/strong>Facebook<\/strong><\/a>\u00a0Seguinos en\u00a0<\/strong>Twitter<\/strong><\/a><\/p>\n

Nogoy\u00e1 Radios es una Agencia de Medios que cuenta con espacios publicitarios adecuados para la difusi\u00f3n de su Empresa, Profesi\u00f3n y\/o Servicios.<\/em><\/strong>#Nogoy\u00e1<\/em><\/strong><\/a>\u00a0Radios 3435-425167 \/ 3435-616203 contacto@nogoyaradios.com<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Todos los detalles Est\u00e1 habilitado el sistema de turnos para solicitar los pr\u00e9stamos. Con un costo financiero por debajo del 40% es dinero prestado a una tasa debajo de la inflaci\u00f3n.\u00a0C\u00f3mo hacer para acceder al nuevo cr\u00e9dito de hasta $400.000….<\/p>\n","protected":false},"author":2,"featured_media":2812,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19,4,3],"tags":[],"class_list":["post-2811","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","category-nacionales","category-noticias"],"yoast_head":"\nPaso a paso, c\u00f3mo pedir el pr\u00e9stamo de Anses de hasta $400.000 para jubilados - Nogoy\u00e1 Times<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nogoyatimes.com\/?p=2811\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Paso a paso, c\u00f3mo pedir el pr\u00e9stamo de Anses de hasta $400.000 para jubilados - Nogoy\u00e1 Times\" \/>\n<meta property=\"og:description\" content=\"Todos los detalles Est\u00e1 habilitado el sistema de turnos para solicitar los pr\u00e9stamos. 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