A project driven by opposition blocs in Congress seeks to reactivate ANSES loans, with a focus on the debt relief of millions of Argentines who currently lack access to formal financing. The initiative comes after the elimination of the agency's traditional loan lines, established by decree 421/2025, and aims to rebuild a key tool for the most vulnerable sectors. Unlike previous models, the project not only aims to provide money but also offers a concrete solution to over-indebtedness. The funding, as reported by the Argentine News Agency, would come from the Sustainability Guarantee Fund, one of the main instruments of the social security system. According to estimates included in the proposal, the potential universe of beneficiaries could exceed 10 million people nationwide. Who could access ANSES loans The project contemplates several groups that today have difficulty accessing bank credit: SIPA pensioners and retirees (with incomes of up to six minimum benefits), AUH (Universal Child Allowance) holders, AUE (Pregnancy Allowance) beneficiaries, recipients of Non-Contributory Pensions, registered domestic workers, and Monotributistas of categories A, B, C, and D. How the system would work One of the most innovative points is the granting modality. The money would not be deposited directly to the beneficiary. Instead, through the Mi ANSES platform, the user would have to report the debt they wish to cancel. The agency would then transfer the amount directly to the corresponding bank or creditor. In this way, the loan would be specifically aimed at reducing or eliminating debts, preventing funds from being used for other purposes. Amounts, rates, and conditions The project establishes: Maximum amount: up to $1,500,000 (adjustable by minimum wage), Interest rate: TAMAR + 10 percentage points, Installments: cannot exceed 30% of the applicant's income. These conditions seek to guarantee that the loan is accessible and sustainable over time. When they could be implemented For now, the loans are not available. The project must advance in Congress to become law. The promoters hope the debate will take place in the coming months in the Chamber of Deputies.
