La Administración Nacional de la Seguridad Social (Anses) eliminó el plazo de amortización de pago de 60 meses para los titulares de créditos del Sistema Integrado Previsional Argentino (SIPA), Prestaciones No Contributivas (PNC) y Pensión Universal al Adulto Mayor (PUAM), y mantendrá el pago de los créditos en 24, 36 y 48 cuotas.

Lo hizo a través de la Resolución 6/2021 de la Subdirección Ejecutiva de Operación del Fondo de Garantía de Sustentabilidad (FGS), publicada en el Boletín Oficial.

La norma señala que “al evaluar los plazos de amortización de los créditos que abarcan desde los 24 a 60 meses, según la línea de crédito que se trate y considerando que las previsiones del índice de inflación del país tienden a la disminución progresiva para los próximos años, resulta aconsejable suprimir el plazo de amortización de 60 meses, y mantener el pago del crédito en 24, 36 y 48 cuotas mensuales”.

“De esta forma, se evita sobreendeudar al sector por un período prolongado de tiempo que equivale a cinco años y permite a su vez que el FGS pueda reinvertir dinero con condiciones financieras acordes a un mercado real que genere un círculo virtuoso para la economía del país, evitando una especulación forzada a largo plazo, en detrimento de los destinatarios del Programa”, puntualizó la normativa.

Los créditos Anses otorgan desde $ 5.000 hasta $ 200.000 a jubilados y pensionados; y hasta $ 70.000 para beneficiarios del PUAM y PNC; en todos los casos con un Costo Financiero Total Efectivo Anual (CFTEA) entre 34,58% y 36,03% anual dependiendo del plazo.


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