In October, three of the 16 projects that parliamentarians have presented in Congress were already debated so that the possibilities of allowing members of the Pension Fund Administrators (AFP) They can withdraw their money. For this reason, many ask if and approved a proposal if there is a link, so Depor has made this note to resolve those doubts and more.
Is there a link to carry out the AFP 2023 Retirement?
No because the proposal has not yet been approved, so no link has been shared to complete the procedure. Remember that when it happens, the Government will be reporting on its official networks.
What would be the amount if they allow the withdrawal of the AFP 2023?
The president of the Parliament’s Economy Commission, César Revilla (Fuerza Popular) has indicated in an interview with Andina that it is best for the amount to be equivalent to 1 UIT (S/4,950) or 2 UIT (S/9,900) at most. . Keep in mind that most congressmen ask in their projects that the amount allowed be equivalent to 4 UIT.
On what dates were the projects for the withdrawal of up to 4 UITs from the AFP 2023 discussed?
Due to the insistence of various parliamentarians to debate the possibility that contributors to the Pension Fund Administrators (AFP) can make a new withdrawal of up to 4 UIT from their funds, two debates have already been held on the topic: Wednesday, October 4 (they analyzed two projects) and Wednesday, October 18 (they debated a proposal).
Conclusions of the first debate on the withdrawal of the AFP
On October 4, Congress debated the possibility of allowing AFP members to make a new withdrawal from the pension fund. At that meeting, two proposals of the 14 that different parliamentarians have presented so far were analyzed.
- Bill 03585/2022-CR: It consists of withdrawing up to 2 UIT (S/9,900) and proposes improving the interest earned with time deposits, mutual funds, mortgage guarantee, among others. Second Toribio Montalvo Cubas supports.
- Bill 04190/2022-CR: proposes to have up to 3 UIT (S/14,850) due to the economic crisis that affects the country. It will be led by Víctor Raúl Cutipa Ccama.
Conclusions of the second debate on the withdrawal of the AFP
The debate on the proposed withdrawal from the AFP of Congressman Guido Bellido (Perú Bicentenario) ended with the parliamentarian’s request to the Presidency of the Economy Commission regarding the importance of approving his project so that it can later be analyzed in the full. Bellido proposed that members can request the withdrawal of up to a maximum amount of 4 UIT (S/19,800), but in three fleets.
- First withdrawal: S/ 4,950 (1 UIT), which must be deposited up to 30 days after making the request.
- Second withdrawal: S/ 4,950, which must be delivered no later than 30 days after receiving the first payment.
- Third retreat: S/9,900 (2 UIT), which must be deposited in the same waiting time as the previous ones.
What are the projects pending approval for the withdrawal of the AFP?
Currently, in Congress there is 16 bills that propose allowing members to access their funds. So far three of them have been debated without a response from the authorities in charge of analyzing the proposals to decide whether they will allow them or not.
- AFP withdrawal from 2 UIT (S/9,950) – Second Montalvo Cubas (Free Peru) (ALREADY DEBATED)
- AFP withdrawal from 4 UITs (S/19,800) – Guido Bellido (Peru Bicentennial) (ALREADY DEBATED)
- AFP withdrawal of up to 3 UIT (S/14,850) – Victor Cutipa (Peru Bicentennial) (ALREADY DEBATED)
- AFP withdrawal of up to 4 UIT (S/19,800) – Worthy Street (We can Peru)
- AFP withdrawal of 50% of funds – Elias Avalos (We can Peru)
- AFP withdrawal of 70% of funds – Americo Gonza (Free Peru)
- AFP withdrawal of 50% of funds for home purchase – Patricia Juarez (Popular Force)
- AFP withdrawal from 3 UITs (S/14,850) – Victor Flores (Popular Force)
- AFP withdrawal of 5 UIT (S/24,750) – Jaime Quito (Not grouped)
- AFP withdrawal of 25% to pay debts with mortgage guarantee – Melissa Cordova (Country Advances)
- 100% AFP withdrawal for home purchase – Ilich Lopez (Popular Action)
- AFP withdrawal from 4 UITs (S/19,800) – Jose Luna (We can Peru)
- AFP withdrawal from 4 UITs (S/19,800) – Kelly Portalatino (Free Peru)
- AFP withdrawal from 4 UITs (S/19,800) – Jorge Luis Flores Ancachi (Popular Action)
- AFP withdrawal from 4 UITs (S/19,800) – Flavio Cruz (Free Peru)
How to find out how much money I have in my AFP in 2023?
To find out the amount you have saved in your pension fund, according to the AFP to which you belong, you just have to activate your account in any of the following links:
How do I know which AFP my money is in?
If you don’t know which AFP you are affiliated with, don’t worry, since here we show you the step by step so you can obtain this important information:
- Login to Superintendency of Banking, Insurance and AFP (SBS).
- Go to the “Inquiries and procedures” section. If you do not have an account, “Register”, but first read the conditions of use and if you agree, accept them and click “Next”.
- Enter your ID number and an email. You will receive a verification code and after that you can activate your account.
- Once you have registered and can access with your username and password, choose the “Pension situation report” option and that’s it.
- If you are a foreigner, click on the corresponding option that will appear in point 3.
How much do I get a discount to deposit it in my AFP?
- 10% of your salary goes to your pension fund (amount depends on the salary)
- Commission for administration of the AFP.
- The discount depends on whether the affiliate is on flow commission (between 13.21% and 13.43%) or on mixed commission (between 11.74% and 12.41%).
Can I request the withdrawal of my AFP under any modality?
Yes, thanks to Law No. 30478, members have the possibility of requesting the release of 25% of their AFP funds with the aim of using it for the down payment on their first home or to amortize the mortgage loan associated with said home. property. Therefore, if you are considering buying a house or apartment, you can explore this option so as not to depend completely on your savings.