How to Pay AFP: Means of Payment, Schemes and MORE

6 minutos de lectura

We all want to reach old age without financial worries, right? In that sense, be independent and take for granted the solution to the money problems that may arise at that stage. For this reason, in Peru, the AFPs have been created and made available for the population. The how to pay AFP It is easy.

Here you will find out what an AFP is, what it is specifically for, how to make payments and much more. It will do a lot so, Keep reading!

Pay AFP: How to do it?

  1. Review the concepts and effective dates for the month in which Business Informative.
  2. Verify that workers are affiliated with an AFP through the Portal of the Superintendency of Banking, Insurance and AFP.
  3. Enter the Collection Portal AFPnet to quickly and safely obtain employee pension contribution forms.
  4. The corresponding payment made through AFPnetAccording to the provisions of the law, it must be done before the fifth day of the month following the one in which the withholding was made by any of the payment methods provided for this purpose.

Pay AFP: Available Payment Methods

  • Cash Pickup, the payment ticket is obtained through AFPnet. The authorized banks They are: BCP, Interbank, Scotiabank and BBVA Continental.
  • Pay on lineBefore, it is necessary to make an agreement between the bank and the employer. The authorized banks They are: Scotiabank, Interbank, BCP and BBVA Continental.
  • Payment via web, the payment is made as if it were a service and the payment ticket is obtained through AFPnet. The authorized banks They are: Scotiabank and BBVA Continental.

Pay AFP: Special Regimes

The contracting company must compulsorily contribute to the pension fund through AFPnet a declaration, as long as its workers have a special regime, for example civil constructors, miners and / or fishing boats. All this based on the following percentages shown:

Construction Civil

With an affiliate contribution to the pension fund of 10% + 1%, an employer contribution to the pension fund of 1% and benefits in the SPP (Private Pension Service) one year advance of the legal retirement age for every 36 months of contribution.

This type of worker is responsible for Risk Early Retirement which is a special retirement scheme for people who have done heavy work in activities such as mining, iron and steel, civil construction and metallurgy.

Fishery

With an affiliate contribution to the pension fund of 8%, an employer contribution to the pension fund of 5% and benefits in the SPP (Private Pension Service) of retirement pension granted at 55 years of age.

In reference to the Private Pension System (SPP), the law establishes the benefits and the incorporation in favor of the fishing workers who are added to the list of affiliates to the CBSSP (April 30, 2014) when declaring the dissolution or liquidation of this and, also all those that have not been included because their right is not ready.

All those who are added to the list of affiliates to the CBSSP (January 31, 2015) that by March 22, 2013, they met the requirements demanded by this institution to obtain benefits. New Fish Workers for February 1, 2014.

Mining

With an affiliate contribution to the pension fund of 10% + 2%, an employer contribution to the pension fund of 2% and benefits in the SPP (Private Pension Service) one year advance of the legal retirement age for every 36 months of contribution.

This type of worker is responsible for Risk Early Retirement which is a special retirement scheme for people who have done heavy work in activities such as mining, iron and steel, civil construction and metallurgy.

Pay AFP: Declaration without Payment

The Declaration of Payment (DSP) must be submitted by the employer, if the payment corresponding to the payroll cannot be made in the time provided for it. The presentation must be made through AFPnet to have in detail the discount on default interest, the amount withheld from each worker and obtain a longer payment term.

Term

  1. 10 business days after the payment due date.
  2. 20 business days after the expiration of the previous term.

Benefit

  1. 50% discount on delinquent interest.
  2. 20% discount on default interest.

The real values ​​can be obtained, entering the default interest of the corresponding AFP to carry out the calculation.


AFPnet

AFPnet is a free service that is offered to employers to declare, prepare and pay the AFP contribution forms in an easy way. All this only with the remuneration. The AFP Association is in charge of offering this service.

In AFPnet all the necessary forms are automatically generated, putting each worker in the pertinent AFP.

Queries or help on the use of AFPnet are obtained through the following information:

  • Phone Number: 513-8950
  • Email: consultations@afpnet.com.pe
  • Website: www.afpnet.com.pe

What are the AFPs of Peru?

The AFPs in Peru but also in other countries, are the Administrators of pension funds. They are private institutions that are responsible for, just as their name indicates, managing the money that comes in monthly and belongs to the workers who trust them to finance their pensions of the future.

Features

Its main function is manage funds that its affiliates enter, quoting a monthly savings in an AFP and the financing of an income for when retirement arrives.

One of the main functions of an AFP is to collect the contributions of an AFP member every month. This authorization is equal to a law of 10% of the affiliate’s gross salary, adding the corresponding commission and insurance.

If for any reason, the member cannot continue to hold his position, he is protected by the Disability and Survival Insurance that grants them a pension when they cannot continue working.

In Peru, there are a total of four AFPs. These are the ones mentioned below:

  • AFP Integra, belonging to the Sura group.
  • The AFP Profuturo, belonging to the Scotiabank group.
  • AFP Prima, belonging to the Credit group.
  • AFP Habitat, belonging to the Chilean economic group Inversiones La Construcción.

Profits

Affiliates to an AFP in Peru, apart from the pension, have a benefit to the Essalud medical service, in addition to accessing early retirement and certain advantages such as:

When retiring from a job, access to a pension for retirement, death and disability is guaranteed to all members of an AFP of the SPP who have a fund at their disposal.

  • CIC (Individual Capitalization Account.
  • Burial, survival and disability insurance.
  • Voluntary contributions.
  • Cost effectiveness.
  • Account status.
  • Recognition Bonus. Account status.
  • Early Retirement.
  • Health Coverage in Essalud.
  • Choose the type of pension.
IMPORTANT
It is recommended that you begin to contribute to the AFP as soon as possible because the interest received will be in accordance with the time that it has been quoted. The result will be a better pension for when it comes time to collect it.

Help or Advice

By calling (01) 513-5050 in Lima or 0-800-40110 from the provinces.

AFPnet User Service and Consultation Center: (01) 513-8950.

Visit GESTIONALO.NET Peru


Artículos relacionados que te pueden interesar

Voting Requirements: Steps, Polling Station and MORE

The voting requirements in Venezuela it is a formality that all citizens must handle. In relation to the aforementioned, surely ...
Leer Más

Requirements to Register a Trademark: Registration Steps and MORE

Registering a trademark is one of the most suitable procedures that you should do, if you have any service or ...
Leer Más

Requirements to register a newborn baby in Colombia: Time granted and MORE

If you are a new parent and wondering how Requirements to register a newborn baby in Colombia or, failing that, ...
Leer Más

Requirements for Loan in Bancolombia: Loan types, Documents and MORE

The Requirements for Loan in Bancolombia They are extremely important information for all those who need some monetary help for ...
Leer Más

The Best Procedures Page

Search
Generic filters

Deja un comentario