The Congress of the Republic seeks that members of the Pension Fund Administrators (AFP), as well as those who contribute to insurance companies, receive economic loans according to the contributions they have performed.
This bill was introduced by Congressman Carlos Zeballos, spokesman for the Democratic Peru Bank, which also states that the amount of the loan is based on the ability of the member or pensioner to pay.
“Provide that Pension Fund Administrators (AFP) and Insurance Companies make loans to their members and pensioners through agreements with financial institutions”, the proposal indicates.
“According to the income from your remuneration or pension you receive in your individual account or fund paid to the insurance company and in charge of future pensions. Loans will be made, taking into account the age of the beneficiaries,” the text continues.
The Zeballos initiative details that for “persons aged 83 or older, the loan will be made for a period of 12 months, for the maximum amount of SI. 2,000.00 soles”.
“Between 78 years and up to 82 years, the loan will be made for a period of 24 months, for the maximum amount of SI. 3,000.00 soles. Between the ages of 60 and 77, the loan will be made for a period of 48 months, for the maximum amount of SI. 30,000.00 soles”, specifies the bill.
In this line, it is explained that people between 18 and 59 years old will be able to benefit more, since they will have access to a period of 60 months for the maximum amount of 50,000 soles
“The loan may be granted at the request of the client, with or without a grace period of up to four months, with automatic payment of monthly installments from the individual account of the affiliate or pensioner or fund handed over to the insurance company, so the information in the risk centers”, he points out.
Finally, the initiative specifies that it will be the Superintendency of Banking and Insurance (SBS) that will establish the interest in “minimum and reasonable percentages”, taking into account that the loans are made with the support of the funds of members and pensioners.
HOW DO I CHECK MY BALANCE IF I BELONG TO AN AFP?
For that you can follow these steps to know your funds according to which AFP you belong
AFP First:
-Checking your account statement in Prima AFP is easy, you just have to follow these short steps:
-Once there, you have to go to the “My Account” section and enter the DNI number, plus the password.
-With application: Click here to download the application.
AFP Integra:
-To know the fund and your balances in AFP Integra you must enter the following link: www.afpintegra.pe/login-session
-Enter your ID number and password
-Click here to download the AFP Integra application
AFP HABITAT:
-To check the status of your account in AFP Habitat you must enter the website by following these steps:
With application: This AFP does not have an application.
AFP Profuturo:
-Viewing the status of your account in AFP Profuturo is very simple, just enter the next one
https://enlinea.profuturo.pe/zonaprivada/
-With application: Click here to download the application.
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