In this article we will explain everything related to the credomatic zero rate Starting from the definition of it, the frequently asked questions and more if you want to know everything related to the subject, continue reading as it will be explained in detail.
Credomatic Zero Rate
The Zero (0) rate program is included and promoted by the company CREDOMATIC DE COSTA RICA S.A with the fundamental objective of being applied to its credit cards, with a series of exceptions. The zero rate credits have a subsidy of 100% of their entirety for all monotributistas and autonomous from the moment it is credited on the credit card of the beneficiary person.
However, it is important to bear in mind that the total amount of financing under no circumstances may exceed a quarter of the upper limit of gross income established in the monotax categories, with a maximum limit of $150.000. Payments must be made in three monthly and consecutive installments, in addition to each of them the monthly installment corresponding to the monotax or the self-employed regime will be added, which must be paid by the bank in the name of the beneficiary.
It is necessary to be able to verify if the bank canceled and in order to achieve this, the only thing that must be done is to enter the fiscal service of the CCMA – Current account for monotributistas and autonomous and follow the instructions to carry out said verification.
How is it requested?
To apply for this type of credit, you must have the fiscal key and have a minimum zero-rate credit service between May 4 and October 31. On the other hand, it should be noted that the credit system will indicate what is the maximum and minimum amount that you can request and will also show you what is the amount that can be acquired.
If you have a bank credit card, the number of the card that will be used in the credit application process must be entered into the system. In the event that you do not have such a card, you must process one at the bank of your choice.
It should be noted that the system will automatically tell you if the credit was approved or not. If it happens that it was approved, it will be credited at the stipulated time and the consecutive dates on which the three monthly installments must be paid will also be indicated, as is already known, the amount that must be paid in each installment will also be added. of Monotax or Self-Employed that the bank will pay on your behalf.
Requirements to get a zero rate credit
At this point we are going to detail what requirements are necessary to be able to request a zero rate credit. It is important that you keep in mind that each of the requirements indicated here are essential to be able to obtain said credit. Next we will indicate what is needed for the application:
- It is essential to have the tax key with security level 2.
- An Electronic Fiscal Address must be registered.
- The amounts of zero-rate credits that can be requested by users will depend on the category that each one has, however it is important to keep in mind that the maximum amount established is $150.000.
If you want more information, you can visit the website of the AFIP
FAQs
Now we are going to know some of the frequently asked questions that can arise regarding this whole topic of the zero rate:
Do the months without interest apply to any card?
This benefit is usually exclusive for all those cards that are issued through the BAC Credomatic of Costa Rica.
Can I buy monthly without interest with my BAC Credomatic debit card?
This benefit can only be enjoyed by those who have credit cards issued by BAC Credomatic
What happens if I try to buy with another credit card other than the participating ones?
Regarding this aspect, what happens is that the system in question will not authorize the comparison at rate 0 or mini-quotas with the other credit card that is being used, which is not issued by BAC Credomatic. However, you will always have the option to buy your tickets with a regular charge.
If this article uses the zero rate of Credomatic Costa Rica. If you found it interesting, be sure to read the following, which may also be to your total liking:
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