In Peru, there is a large number of people who are waiting for a new withdrawal of AFP for this year 2024, this with the purpose of having economic solvency to invest, pay debts or face the current economic crisis that is shaking the country. For this reason, Depor has prepared the following note so that AFP members can find out everything that is known so far about a possible new release.
Do you know what the requirements are to request an AFP withdrawal for unemployment?
- Be at least 50 years old when you start the process and less than 65 years old.
- Being unemployed for a period greater than or equal to 12 months or more, consecutively.
- Submit an Affidavit of Unemployment Status, attaching a document with a certain date that certifies the termination.
Is there a link to request withdrawal from the AFP this 2024?
No, since the withdrawal of the pension fund under any situation has not yet been announced. We just have to wait for the response from the Congress of the Republic.
When do I have money accumulated in my AFP?
To find out the amount you have accumulated in your pension fund, according to the AFP to which you are affiliated, you only need to activate your account through any of the following links:
- AFP Premium: https://miespacio.prima.com.pe/
- AFP Integra: https://www.afpintegra.pe/iniciar-sesion
- AFP Habitat: https://www.afphabitat.com.pe/
- AFP Future: https://www.profuturo.com.pe/Personas
What did José Arista say about AFP retirement?
After his election as the new head of the Ministry of Economy and Finance (MEF), Minister José Arista stated that “he is not sure” that there are enough funds to give the “green light” to more AFP withdrawals after the approval of the latest accesses to pensions.
“I don’t know if there are any funds left for more withdrawals, so much has been withdrawn that I don’t know if there are any balances left. We have lost that solidity that we had before in the AFP. Covid-19 hit us, we had to defend ourselves somehow. But, we must stop our hand, we are reaching a stage of growth, I believe that our current GDP is well above post-covid,” he declared.
What are the requirements to request an AFP withdrawal to buy a home?
· Go to your AFP website and request your latest account statement.
- Subsequently, present the balance of your fund and a copy of your DNI (spouse also if applicable), this procedure must be carried out at the AFP to which you belong.
- Wait for the entity’s response.
- Now begin the process, from the AFP website to which you belong and choose “Withdraw 25% for your mortgage loan”.
- Wait for the response, which should take approximately 10 business days.
- If everything is perfect, then the entity will make the transfer.
With what modalities can I request my AFP?
Thanks to Law No. 30478, members have the possibility of requesting the release of 25% of their AFP funds in order to use it for the down payment on their home or to amortize the mortgage loan associated with said property.
There is a way to withdraw AFP funds: when you reach retirement at age 65. From that moment, you can choose if you want to access 95.5% of the funds. The remaining 4.5% will be a percentage destined to EsSalud so that it can enjoy support to take care of its health.
But can you access your AFP funds sooner? There is the option to do so thanks to the figure of early retirement. The age to access this benefit is 50 years or older, and in this modality you can also receive 95.5% of your funds if desired.
How do you know which AFP you are affiliated with?
If you don’t know which AFP you are affiliated with, don’t worry. Here we present the steps you must follow to obtain this important information:
- Enter the 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.
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