There is a varied offer of personal loans in the financial market in Argentina. Currently, there are many people who choose to apply for personal loans such as those offered by Condes where you can borrow loans online easily and quickly.

The great variety of possibilities when taking out a loan is due to the fact that the different financial entities are dedicated to identify the needs of the clients and, thus, generate services with particular characteristics that respond to said specific needs of the different segments of the population. This makes it easier to access these services for those people who have the advantage of having fixed monthly income and that are demonstrable, such as people who have a non-contributory pension receipt.

There are many people who wonder if they can take out a loan by receiving a non-contributory pension receipt. In this article we tell you what you need to know about this topic.

To begin with, it is important to know that if you charge a non-contributory pension for disability or for being a mother of 7 children, you may be able to request a credit in ANSES of $ 5,000 to $ 35,000, to pay back in 24 or 36 monthly installments.


How to apply for a non-contributory disability credit?

credit loan

The requirements are:

  • Reside in the country.
  • Being over 18 years.
  • Be less than 75 years old at the end of the loan.

The necessary documentation is:

  • ID
  • CBU own bank account that is obtained at the bank or by ATM.
  • For Disability pensions it is necessary to download the Medical Certificate for Accreditation in ANSES (ANSES Credits) and have it completed by a public hospital doctor or a health unit. You must have the signature and seal of the professional and the healthcare establishment.

The amount will be:

  • From $ 5,000 to $ 70,000 in 24, 36, 48 or 60 installments.
  • The fee cannot exceed 30% of the monthly income.
  • The credit is deposited in the bank account within 5 business days.

Any person who has a non-contributory pension receipt and is a beneficiary of:

  • Universal pension for the elderly
  • Non-contributory disability pension
  • Pension for old age or for being a mother of 7 or more children

These state loans have lower financing costs than those established in the private sector. The beneficiaries can request a minimum of five thousand dollars and a maximum of thirty five thousand dollars. The deadline for returning the money is twenty-four or thirty-six installments. It is important to clarify that the relationship that must exist between the amount of the fees and the income of the beneficiary cannot exceed thirty percent.


What is needed for a non-contributory pension loan?

What is needed for a non-contributory pension loan?

You must be under 88 years of age at the end of the loan repayment if the pension is charged for the elderly or the non-contributory for old age. In the case of the disability pension or mother of 7 children, the age limit will be 60 years.

As we mentioned earlier, the documents that need to be taken are the DNI and inform the entity in question the account number so that the loan can be disbursed.

Remember that the process to apply for the loan must be done in person. Keep in mind that you need to request a shift beforehand, which can be done from the web or by calling the ANSES service center.

A frequent question is whether the agent can take credit for non-contributory pensions. Many of the people who receive non-contributory contributions in our country have a person empowered to perform different procedures on their behalf. In this case, it is possible that the proxies have a free way to carry out the process, these may be the ones that start and end the process through which the loan is obtained.

In these cases it is recommended that they communicate by telephone with ANSES in order to consult with a collaborator of the agency what are the steps to be followed and what is the necessary documentation so that the attorney can take out the credit.


Loan can be obtained for non-contributory pensioners

pension loan

The Save Master Bank has a special product for those who receive their non-contributory contributions in an account in said entity. The advantage is that it already has prequalified this segment of customers and, therefore, is an agile, practical and fast credit.

Each entity offers different services, and in turn, each person has very different situations and needs, for these reasons we suggest you enter the website of each entity or communicate by phone to be able to know in depth the terms and conditions before make a decision.


The need for access to financial aid today

financial aid

It is undeniable that we live moments in the country in which many people look for a way to survive, although the use of this word sounds somewhat dramatic, unfortunately it is part of reality.

Luckily, Argentines have many possibilities to access loans and credits. There are for all types of conditions, either for people with disabilities as we have seen in this article, or people who are registered in the Veraz. There are also personal loans for retirees with easy access. If the latter is your case, you may also be interested in reading our note on activities for retirees and pensioners.

We have already seen what are the requirements to obtain a disability pension, we have also considered what are the resources available to access this type of pension.

Something that we have not analyzed so far is a slightly deeper approach to the definition of disability, and this means putting the magnifying glass on the definition to be able to understand what kind of physical, emotional or mental conditions are covered within it. .

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