Banco Nación offers loans for retirees and pensioners of up to $50 million.
The process can be completed entirely online through the bank's official application.
Log into the BNA+ app
Go to the “Your Bank” section
Select “Loans”
Choose the amount and number of installments
Confirm the operation
The system allows obtaining a pre-approval in a few minutes without the need to visit a branch.
The mechanism is used by banks, mutuals, and authorized entities to simplify loan collection. According to Banco Nación, this modality has no age limit for loans of up to 36 months.
For a loan of $2,000,000 for 72 months with account debit, the bank reported a fixed Nominal Annual Rate (TNA) of 56%. The Effective Annual Rate (TEA) rises to 72.92%.
Meanwhile, the Total Financial Cost (CFT) reaches 93.32% in TEA, including interest and VAT.
The Banco Nación has an active line of loans for retirees and pensioners that allows requesting up to $50,000,000, as long as the installment does not exceed 35% of the monthly income of the holder.
The loans are exclusively aimed at individuals who receive their pension payments through BNA and can be processed digitally via the BNA+ app.
According to Banco Nación, the maximum available amount is $50 million. The final amount that each applicant can receive depends on the monthly pension and the allowed repayment capacity.
The entity clarified that the monthly installment cannot exceed 35% of the net income of the retiree or pensioner.
The line is intended for retirees and pensioners who regularly receive their payments through an account at Banco Nación.
Those who receive non-contributory pensions, assistance, grace payments, or those corresponding to special laws are excluded, even if the payments are processed by ANSES.
The loans are granted in pesos and can be used for any purpose.
The bank explained that the loans are amortized mainly under the French system, with monthly and consecutive installments.
The installments are automatically deducted from the savings account associated with the pension payments.
In some cases, the e@discounts system is also used, which allows the installment to be deducted directly from the retirement receipt using codes enabled by ANSES.
The e@discounts application is a tool authorized by ANSES to automatically deduct loan installments from the pension payment.
