Overview
- The new S/1,000 regulated maximum applies from January 2026 to those who certify 20 years of ONP contributions, up from the previous S/893 ceiling.
- Affiliates who fall short can request a previsional loan that advances missing contribution periods to qualify for a pension under the applicable scheme.
- Loan limits are tied to accrued years: up to 12 contribution units for 10 years, 24 for 15 years under proportional pensions, and 36 (up to three years) for the general 20‑year regime.
- Monthly repayment is deducted from the pension, capped at 30% for the general regime and 20% for proportional pensions covering 10–15 years of contributions.
- Applicants must file a retirement request, meet age and documentation requirements—typically age 65 with employment records—and may apply in person or digitally via onpvirtual.pe using a virtual key and a scheduled video call during weekday hours.