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 Users:
Natural persons whose age at the end of the loan does not overcome the age
foreseen to take refuge in the diet jubilatorio.
A) Personnel of permanent plant.
B) Personnel of temporary plant of the Public administration, when they are
protected by decrees and/or resolutions of the Department of Economy and/or of
organism where it gives services.
C) Hired in Relation of Dependency.
D) As exception hired under the diet of lease of services,
only and only when they perceive his fees across an open account
in this Bank.
E) Who perceive his money by means of accreditation through the System
National of Payments.
And that also expire with the following requisites:
1) Perceive his money across an agreement of payment of money with
the Bank of the Nation Argentina.
2) Accept definitely that the quota of the loan is debited of the account
paymistress for the money cashing.
Totals: From $ 1.000.-up to $ 100.000.-(weight hundred thousand).
Interest:
 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.
Period: Up to 60 months.
For users of temporary plant, hired in relation of dependency or hired
under the diet of lease of services: Up to 36 months only. The term of the credit
it will not have to overcome the effective date of the contract, in his defect it will have to interpose
codebtor or new insurances.
Plant Temporary and Hired by rendering of service: Up to 36 months only .
System of Amortization: French.
Minimal clear income: Minimal clear salary: $1.300.-(weight thousand three hundred)
Relation quota / clear revenue: It will not be able to overcome the following limits:
For clear income of up to $ 2.000: Up to 25 % of the same ones (1 () 2)
For major income: Up to 30 % of the same ones (1 () 2)
(1) The above mentioned calculation will include the quotas of other preexisting debts.
(2) In the case that treats the affectation as mortgage credits for the housing
it will be able to come up to 30 %.
The percentages of affectation will be realized taking it as a base firstly quota of
loan calculated for 30 days.
You were guaranteeing: In accordance with the credit norms of the Bank. In general they will be agreed to alone signature.
Entire or Partial Early cancellation: They will be able to be accepted and any commission is not perceived by this concept.
Expenses of Administration of Quota: 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.
Quotas:
The first Quota calculated for loans of $10.000.-
Months |
TNA |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (1) |
CFT FIRELIGHTER (2) |
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 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation.
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and I.V.A. |
The first Quota calculated for loans of $20.000.-
Months |
TNA |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (1) |
CFT FIRELIGHTER (2) |
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 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation.
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and I.V.A. |
The first Quota calculated for loans of $30.000.-
Months |
TNA |
Capital + Interest |
I.V.A |
Life insurance |
Adm of Quota |
Entire cost
monthly |
CFT TNA (1) |
CFT FIRELIGHTER (2) |
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 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation.
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, life insurance with Nation Insurances S.A. and I.V.A. |
Loans subject to the conditions of approval of the Bank of the Nation Argentina.
To receive advice on this product communicate with our Center of Contacts to: 0810-666-4444 of Monday to Friday from 8 to 20 hs.
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