05/03/2020 - 20:11
Between this Monday and May 29, the monotributistas and self-employed will be able to start the process to access a credit at zero rate amid the effects on the economy of the coronavirus pandemic. The procedure begins through the AFIP website with a tax code.
The maximum amount of the Zero Rate Credit is 150 thousand pesos. According to the Government, the funds will be credited to the credit card in three successive and identical disbursements . Credits will have a 6 month grace period. Repayment will be made at least in 12 fixed installments without interest.
Through the AFIP website, monotributistas and self-employed will first define the total amount of credit to process according to the maximum provided for their category. Then they will enter their credit card number and, finally, they will indicate the issuing bank.
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At the end of this journey -supports the official communication- the AFIP will issue a Processing Certificate and will send the information to the Central Bank (BCRA) for the continuation of the process. The BCRA will then send this information to the selected bank and it will be the latter who will contact the monotributistas or self-employed.
The monotributistas or self-employed who from tomorrow can access loans at zero rate but do not have a savings bank in a bank in their name, have a series of options to open one for free and, thus, start the application process of the credit.
As established by the AFIP, the accreditation of the up to $ 150,000 that each beneficiary may request has as an essential requirement to have a Uniform Bank Code (CBU) associated with a savings bank, so the unbanked must be if they want to access the loan .
The official agency Télam, also reported that both the opening of the account and the issuance of a credit card or consumption associated with the loan will not have any cost while the program is in force , until 18 months after the deposit.
Both private and public sector banks have different mechanisms for opening an account online , through web pages or applications, so that they do not have to go to branches.
Banco Nación offers it through its "Banco Nación App" which, once downloaded, will ask for personal data (name, DNI, date of birth and email) and, once this step has been completed, it enables the opening of a savings bank with the option "Online Applications".
The opening of an account with Banco Santander can also be done through the cell phone by entering its website (www.santander.com.ar/cuenta) which will only ask the user for a photo of the front and back of their ID to validate your identity and enable a new account.
"We are thinking of offering an additional benefit to those who open their accounts without going to a branch, which are currently open to open accounts, to encourage the digitization of these processes," Santander told Télam.
Banco Macro also allows the opening of an account from the cell phone and only with the DNI and a selfie by entering the "Become a Client" tab on its website and a few steps.
For its part, Banco Galicia will offer monotributistas and self-employed its "Galicia Move" platform, which, originally designed for exchange students, offers a savings bank in pesos, dollars, a debit card and an application, only by completing the data required on its website: www.galiciamove.com.ar.
Within public banking there are similar options as with Banco Provincia, which enabled the opening of a new account through the "Cuenta DNI" application, a process similar to that of Banco de Córdoba through its "Bacón" app, both Available for download through the Play Store.
Accounts can also be opened digitally with Banco Itaú, which has the "Open your account" platform with which, by completing personal information, uploading a selfie and ID card photo, an opening of a new account is enabled instantly.