Saving dollar: the ten reasons that do not allow you to buy it

Annabella quiroga

11/03/2020 10:31

• Clarín.com

• Economy

Updated 11/03/2020 10:31

With the arrival of November, the quota of US $ 200 was renewed to access the

.

But as happened in October, only one in four potential buyers passed the filter of the restrictions imposed by the Central Bank to be able to buy at $ 139.

These are the

 that prevent buying dollars:

Trading financial dollars

Those who operate with the dollar counted with liquidity or with the MEP dollar, legal options that allow acquiring foreign currency through public titles or shares, are disqualified for three months to use the quota of US $ 200 at the same time. The same happens in the opposite direction : those who access the savings dollar quota cannot operate with financial dollars in the following 90 days. 

Charge social plans

People who are collecting the Emergency Family Income (IFE) or the Universal Child Allowance (AUH) or another social plan from the Government cannot use the US $ 200 quota. To authorize the operation, banks are obliged to cross data with ANSES to check who is suitable and who is not.

Have no formal income

People who have no formal income cannot buy.

In this case, the banks also have to cross data with ANSeS to establish whether they qualify or not.

Receive ATP

Managers and employees of companies that received State aid to pay salaries through the Work and Production Assistance program (ATP) are disqualified from operating with the official dollar for 12 months.

In this way, those who have received their salary with ATP at least once, are out of the quota.

Access a zero rate credit

The monotributistas who qualified for the zero-rate loans that the AFIP launched through the banks cannot operate with the official dollar until they have paid the 12 installments of the credit received.

Neither did the SMEs that obtained financing at rates of 24% in the loans promoted by the Government.

Have quotas frozen

This restriction applies to those who have mortgage or pledge loans whose installments were frozen at the beginning of the pandemic and were postponed to be paid at the end of the life of the loan.

While this freeze lasts, or until they catch up with the pending fees, they will not be able to use the US $ 200 quota.

Refinance card balances

In April, the Central Bank ordered that the balances that remained unpaid that month on the credit cards would be automatically refinanced with a three-month grace period, at a rate of 40% and would be paid in 9 fixed installments.

Those who entered the

 it will not be able to buy dollars until they have paid all the installments.

The same happens with the unpaid balances of September, since the Central reissued the measure that month.

The only way to reactivate the quota is to pay the balance that was refinanced at once.

Have a shared account

Until September, if two people were account holders, each could use their personal quota of $ 200. Now this is not the case.

With the new measures, the Central considers only one quota per account.

So if one of the holders has already bought his $ 200, the other is left out and cannot access the dollar.

Spend more than US $ 200 with a card

As of September 1, card expenses in dollars are computed within the monthly quota of US $ 200. So whoever spent US $ 20 on Spotify, Netflix and Apple subscriptions, the following month will be able to buy only US $ 180. But whoever bought a cell phone via e-commerce for US $ 800 will no longer be able to buy dollars for the next four months.

Qualify as "digital colero"

This restriction came into force in August, when the Central Bank disabled the CUIT of 15,000 people who overnight opened accounts in dollars to use the monthly quota and transfer it to a third party.

The suspicion that they were digital coleros and were buying on behalf of others was enough to get them a red card.

AQ

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