Paso a paso, pero de la retención del 10% por deuda de pensión de alimentos

  • Por Andrea Camargo, Presidenta Fundación Mujeres y Abogada U. Central de Chile.

 

               Las AFP han informado que desde este jueves 30 de julio recién pasado los cerca de 11 millones de afiliados podrán comenzar con el trámite para retirar el 10% de sus fondos previsionales, noticia que más del 80% de los chilenos esperaban, según los resultados en la mayoría de las encuestas. ¿Pero cómo es el paso a paso de este proceso? Acá te lo explico de una manera fácil y sencilla.

               Primero: Desde el jueves 30 de julio es obligación para todas las AFP tener un banner exclusivo en su sitio web para el retiro del 10%. Ahí deben ingresar sus datos personales. Importante: no necesitarán la clave de su AFP.

               Segundo: Ahí mismo tiene que indicar el monto a retirar. Recordarles que el mínimo contempla un monto de 35 UF (1 millón de pesos), y un máximo de 150 UF (4,3 millones de pesos). Debe especificar el medio por el cual quiere recibir su dinero, que puede ser cuenta corriente, cuenta rut, cuenta 2 de la AFP o vale vista. No podrá retirar su dinero en efectivo en ninguna oficina de AFP.

               Tercero: En solo dos días la AFP deberá informarle si su petición fue aceptada al correo que haya indicado anteriormente. Si su solicitud no es aceptada, es porque ingresó mal algún dato que deberá modificar, o porque no tiene fondos en su cuenta.

               Cuarto: Ya con la solicitud aceptada, en un máximo de 10 días se depositará la primera cuota. Mientras que la segunda cuota en 30 días.

               Importante: Para evitar aglomeraciones, los trámites en primera instancia serán de manera virtual. Los montos retirados no podrán ser embargados por deuda, ni privada ni fiscal, a excepción de la pensiones alimenticias impagas. Y para mayores detalles, puede visitar la página www.mi10afp.cl/.

¿Cómo será el proceso para las pensiones de alimento?

Para poder optar a que se retenga el 10% a un deudor por pensión de alimento, primero que todo debe tener judicializada la causa en el Tribunal de Familia.

Para comenzar, debe pedir la liquidación de la deuda. Para eso debe ingresar a www.oficinajudicialvirtual.pjud.cl con su Clave Única e ir a la opción “Trámite Fácil”, luego de pinchar ahí debe ir a “Liquidación de Deuda de Pensión de Alimento” y actualizar los datos solicitados.

Cuando la ley sea oficial y esté publicada en el Diario Oficial, es decir desde el jueves 30 de julio, debe ingresar nuevamente al sitio señalado y solicitar que se le retenga al deudor o deudora el 10% de sus fondos de las AFP, si es que éste hace efectivo el retiro.

Importante: Usted debe informar en el mismo sitio del Poder Judicial la AFP del deudor o deudora. Para eso debe ingresar el rut del moroso en www.spensiones.cl, y sabrá en la AFP que está afiliado.

Cualquier consulta, no duden en escribirme a mi página de Facebook: @AndreaCamargoOficial, además ahí podrán encontrar mis datos de contacto.

 

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