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Lawmakers Propose ANSeS-Run Loans to Ease Family Debt Using FGS Funds

A cross‑bloc bill assigns ANSeS to run a debt‑relief credit scheme using up to 20% of the FGS, pending congressional debate.

Overview

  • The initiative, led by UxP deputy Guillermo Michel, was filed on January 22 with support from Miguel Pichetto, Nicolás Massot, Natalia de la Sota and several UxP lawmakers.
  • ANSeS would implement the program, financing it with up to 20% of the Sustainability Guarantee Fund and recovering payments through automatic deductions from wages or benefits.
  • Loans would be capped at 1.5 million pesos, with monthly installments limited to 30% of net income, while repayment terms and operating rules would be set by ANSeS.
  • Eligibility covers retirees and pensioners up to six minimum benefits, AUH and pregnancy allowance holders, registered workers earning up to six minimum wages, domestic workers and monotributistas in categories A–D.
  • Sponsors outline consolidating credit‑card and nonbank debts into a single state loan with a rate tied to TAMAR plus 10 points via an ANSeS digital process, argue no added fiscal cost, and indicate debate in the ordinary session period.