Credit for ANSES retirees: how to access $2,000,000 in 72 installments

The Banco Nación offers a line of credit for retirees and pensioners who receive their benefits from the institution, with repayment in up to 72 monthly installments.

The loan of $2,000,000 for retirees from ANSES is part of the Nación Previsional BNA line. The amount that can be requested depends on the beneficiary's income and their ability to make payments.

Loan of $2,000,000 for retirees: what are the requirements

The Nación Previsional BNA line allows access to personal loans to cover expenses, make purchases, or finance projects. To start the process, applicants must meet the conditions set by Banco Nación.

The main requirements to access the credit are:

• Be a retiree, pensioner, or retired individual.

• Receive pension benefits at Banco Nación.

• Have sufficient income to pay the installments.

• Not exceed the limit of 35% of net monthly income.

• Pass the credit evaluation of the institution.

• Authorize the automatic debit of the installments.

The bank clarifies that non-contributory, assistance, discretionary pensions, and certain pensions granted by special laws are not included in this financing line.

How much is paid for a loan of $2,000,000 in 72 installments

The Nación Previsional BNA line includes a nominal annual rate (TNA) of 49%, an effective annual rate (TEA) of 61.70%, and a total effective annual financial cost (CFTEA) of 78.38%.

For a loan of $2,000,000 over 72 months, the estimated monthly installment is approximately $86,516. The calculation is based on the nominal annual rate and does not include taxes or other expenses.

The final amount may be higher, as it depends on the total financial cost and the conditions in effect at the time of contracting the credit. Therefore, it is important to review the final installment amount before confirming the transaction.

For loans of up to 72 months, the installments are debited from the beneficiary's bank account. The e@discounts modality, which allows payments to be deducted directly from the pension benefit, has a maximum term of 36 months.

How to apply for Banco Nación credit for retirees

Retirees and pensioners who meet the requirements can start the application through the BNA+ app or check the available options at a branch.

To manage the loan digitally, they must follow these steps:

• Log into the BNA+ app.

• Access the "Your Bank" section.

• Select the "Loans" option.

• Choose the available financing line.

• Indicate the amount of $2,000,000 and the repayment term.

• Review the conditions, the installment amount, and confirm the application.

The approval of the credit for retirees from ANSES is subject to the credit evaluation of Banco Nación. Meeting the general requirements does not guarantee the granting of the loan.