The President Dina Boluarte It has promulgated today, Saturday, September 20, the law that authorizes a new and extraordinary withdrawal of up to 4 UIT (tax tax unit) of the funds accumulated in the Pension Fund Administrators (AFP). This figure, equivalent to S/ 21,400, represents a potential financial relief for millions of affiliates throughout the country.
Law 32445, published in the legal norms of the Official Gazette El Peruano, establishes the basis for this eighth retirement of funds, a measure that has been subject to intense debates in the political and economic sphere.
The regulations are not only limited to allowing this new capital provision, but also introduces significant structural changes in the private pension system.
One of the key points of the new law is the elimination of the obligation of contributions for independent workers. This sector, which often faces variable and unstable income, will no longer be forced to contribute to their retirement fund, which gives them greater freedom to manage their personal finances.
The regulations ratify that pension funds are intangible and cannot be subject to embargo, legal or contractual compensation. The only exception occurs in cases of food debts, where up to 30 % of the withdrawn amount will be allowed to retain.
Retirement procedure
The law provides that the Banking, Insurance and AFP (SBS) Superintendence will have a period of 30 calendar days to prepare and approve the operational regulations that will determine the way in which retirement requests will be processed.
Subsequently, the AFPs must implement the corresponding systems so that affiliates can register their orders within the 90 calendar days following the entry into force of the regulation.
The disbursement will be made in four armed ones, each equivalent to an UIT (S/ 5 350). In this way, the withdrawal can reach a maximum total of S/ 21 400, provided that the affiliate has said amount in your individual account.
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