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 Users:
Personnel of the National and Provincial Public administration: Natural persons, whose age does not overcome the age foreseen for the cancellation of the loan and that it is not top to foreseen to retire in the diet to which it belongs, without overcoming 65 years.
It is a condition that the organism employer has an agreement current for the discount of the quota in money, inside the regulatory frame foreseen in the Decree 691/2000 of the National Government.
Personnel of the Provincial Public administration: Personnel and Magistrates of the Judicial and Legislative Power of the provinces, in all the cases, only those of permanent plant.
Personnel: Natural persons, suitable to put under an obligation, with a maximum age to the date foreseen for the cancellation of the loan that is not top to foreseen to retire in the diet to which it belongs and without overcoming 65 years.
Magistrates: Natural persons, suitable to put under an obligation, with a maximum age to the date foreseen for the cancellation of the loan that is not top to foreseen to retire in the diet to which it belongs and without overcoming 70 years.
Totals: Up to $ 100.000.
Period: Up to 60 months.
Amortization system: French.
Interests:
 Up to 18 months: Valuation Fixes.
From 19 until 60 months: Variable valuation.
| Type of Valuation |
Period |
T.N.A. (1) |
T.E.M. (2) |
T.E.A. (3) |
| Fixed valuation |
Up to 18 months |
16,50 % |
1,37 % |
18,08 % |
| Variable valuation (*) |
From 19 until 24 months |
16,50 % |
1,37 % |
18,08 % |
| Variable valuation (*) |
From 25 until 36 months |
18,50 % |
1,54 % |
20,47 % |
| Variable valuation (*) |
From 37 until 48 months |
21,50 % |
1,79 % |
24,13 % |
| Variable valuation (*) |
From 49 until 60 months |
22,50 % |
1,87 % |
25,37 % |
(1) Annual Nominal valuation
(2) Monthly Effective valuation
(3) Annual Effective valuation |
(*) The changeability of the money-market rate will be determined for the first day of January, April, July and October of every calendar year. For the determination there will be adopted the valuation that results from the simple average of the valuation that arises from the daily report of the valuation BADLAR paid for banks deprived for the totality of the days of the immediate month previous to the date foreseen for the change to which twenty (20) additional annual percentage points will be added.
Minimal Clear income: The minimal clear revenue to gain access to the loan will be $1.100.-(weight thousand hundred).
Practised on this one, the discount of the quota of the present loan (calculated for 30 days), the resultant total must not be lower than $900.-(weight nine hundred).
Expenses of Administration of Quotas: I.V.A will perceive in monthly form a charge of 3 % +., calculated on the capital quota, interests and life insurance.
Expenses of Granting: It will be perceived in anticipated form and for the only time, a charge on the entire total of the loan more VAT:
For operations up to $10.000.-: 3 % + VAT
Operations from $10.001.-to $20.000.-: 2,5 % + VAT
Operations bigger than $20.001.-: 2 % + VAT
Life insurance: Debt Cancelatorio for death of the holder, applies a monthly charge to himself to the quota, calculated on the debt balance. The Bank of the Nation Argentina offers him like alternatives two companies:
Nation Insurances S.A. and Sancor Cooperativa of Insurances Ltda. Company Nation Insurance S.A. or Sancor Seguros S.A. Monthly premium of 0,20 % on the debt balance.
Relation quota / income clear:
a) Personnel of the National Public administration: Up to 40 % of the calculable clear income.
b) Personnel of the Public administration of the Provinces and other agreements: Up to 30 % of the calculable clear income.
You were guaranteeing: The operations will be able to remember to alone signature.
Papers to be presented:
Identity card (identity card).
last summary of the Credit card or invoice of a fixed service (light, gas, tax
 real estate, telephony fixes, etc.), addressed to the petitioner.
a) Personnel of the National Public administration with loans agreed down
form established in the Decree 691 / 2000:
Income certification according to the established in the Article 4 ° of the Decree
691/2000.
last money receipt: to arrange against the income certification.
b) For personnel of the Provincial Public administration and other agreements.
Users in dependency relation: Permanent plant, Plant Transitory and Hired (not monotributistas): Last 3 (three) salaries receipts.
QUOTAS
The first studied Quota every $.10.000.-of loan.
Months |
TNA (1) |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (4) |
CFT FIRELIGHTER (5) |
12 |
16,50 % |
$ 909,68 |
$ 28,88 |
$ 18,46 |
$ 33,69 |
$ 990,71 |
37,32 % |
44,42 % |
18 |
16,50 % |
$ 630,94 |
$ 28,88 |
$ 19,01 |
$ 23,59 |
$ 702,42 |
32,90 % |
38,35 % |
24 |
16,50 % |
$ 492,03 |
$ 28,88 |
$ 19,29 |
$ 18,56 |
$ 558,76 |
30,61 % |
35,60 % |
36 |
18,50 % |
$ 365,05 |
$ 32,38 |
$ 19,58 |
$ 13,93 |
$ 429,93 |
30,81 % |
35,56 % |
48 |
21,50 % |
$ 312,37 |
$ 37,63 |
$ 19,73 |
$ 12,06 |
$ 381,78 |
33,44 % |
39,08 % |
60 |
22,50 % |
$ 279,05 |
$ 39,98 |
$ 19,82 |
$ 10,85 |
$ 349,10 |
34,01 % |
39,86 % |
(4) Entire Financial cost expressed in Annual Nominal Valuation
(5) Financial cost expressed in Annual Effective Valuation For the calculation of the Entire Financial Cost is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and VAT |
The first studied Quota every $.20.000.-of loan.
Months |
TNA (1) |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (4) |
CFT FIRELIGHTER (5) |
12 |
16,50 % |
$ 1.819,37 |
$ 57,76 |
$ 36,91 |
$ 67,38 |
$ 1.981,42 |
36,06 % |
42,62 % |
18 |
16,50 % |
$ 1.261,88 |
$ 57,76 |
$ 38,03 |
$ 47,19 |
$ 1.404,85 |
32,00 % |
37,14 % |
24 |
16,50 % |
$ 984,06 |
$ 57,76 |
$ 38,58 |
$ 37,12 |
$ 1.117,52 |
29,91 % |
34,38 % |
36 |
18,50 % |
$ 728,09 |
$ 64,76 |
$ 39,16 |
$ 27,85 |
$ 859,86 |
30,30 % |
34,89 % |
48 |
21,50 % |
$ 624,73 |
$ 75,26 |
$ 39,47 |
$ 24,11 |
$ 763,57 |
33,02 % |
38,52 % |
60 |
22,50 % |
$ 558,11 |
$ 78,76 |
$ 39,63 |
$ 21,70 |
$ 698,20 |
33,65 % |
39,37 % |
(4) Entire Financial cost expressed in Annual Nominal Valuation
(5) Financial cost expressed in Annual Effective Valuation For the calculation of the Entire Financial Cost is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and VAT |
The first studied Quota every $.30.000.-of loan.
Months |
TNA (1) |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (4) |
CFT FIRELIGHTER (5) |
12 |
16,50 % |
$ 2.729,05 |
$ 86,63 |
$ 55,37 |
$ 101,07 |
$ 2.972,13 |
34,75 % |
40,86 % |
18 |
16,50 % |
$ 1.892,82 |
$ 86,63 |
$ 57,04 |
$ 70,78 |
$ 2.107,27 |
31,11 % |
35,95 % |
24 |
16,50 % |
$ 1.476,10 |
$ 86,63 |
$ 57,87 |
$ 55,68 |
$ 1.676,29 |
29,22 % |
33,47 % |
36 |
18,50 % |
$ 1.092,14 |
$ 97,14 |
$ 58,74 |
$ 41,78 |
$ 1.289,80 |
29,80 % |
34,24 % |
48 |
21,50 % |
$ 937,10 |
$ 112,89 |
$ 59,20 |
$ 36,17 |
$ 1.145,35 |
32,61 % |
37,96 % |
60 |
22,50 % |
$ 837,16 |
$ 118,14 |
$ 56,45 |
$ 32,55 |
$ 1.047,30 |
33,30 % |
38,89 % |
(4) Entire Financial cost expressed in Annual Nominal Valuation
(5) Financial cost expressed in Annual Effective Valuation For the calculation of the Entire Financial Cost is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and VAT |
Loans subject to the conditions of approval of the Bank of the Nation Argentina.
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