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Banco de la Nación: what are the requirements to access a mortgage loan?

The National bank Provides for public sector workers and retirees—who receive salary or pension income and have a savings account at the bank—rates from 5.99% to 7.25% for any type of mortgage creditsboth for the purchase of finished goods, future goods, home improvement, expansion and/or home remodeling, and transfer of mortgage debt.

This is done in order to contribute to economic recovery and closing the housing gap. In this line, for this year it is projected to grant credits for more than S/ 200 million in the segment.

“In Peru there is a housing deficit of approximately 2 million homes and nearly 100,000 homes in Lima do not have habitable conditions,” explained Piero Flores, head of mortgage loans at Banco de la Nación.

It should be noted that these mortgage loans can be granted individually or jointly, and it is not a requirement that the spouse be a public worker.

What are the requirements to access a prequalification?

If you are interested in applying for a loan, these are the conditions that you must meet:

• Be a designated public worker, with an indefinite-term contract or a pensioner with a savings account in the BN for the deposit of their income.

• Be between 18 and 74 years and 6 months old

• Have at least one year of employment seniority

• Receive monthly income greater than S/ 800

• Possess a “normal” rating in the financial system for both the credit holder and the spouse.

Where to apply for a mortgage loan from Banco de la Nación?

These can be processed at any BN agency from Monday to Friday from 8:00 a.m. to 5:00 p.m. and on Saturdays from 9:00 a.m. to 1:00 p.m. Likewise, credit information can be requested through the following channels :

– On the website www.bn.com.pe

– In the email micré[email protected]

– On WhatsApp 943 277 176

Source: Larepublica

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