Last week, the National bank (BN) and the Bureau of Provisional Standardization (ONP) signed a framework agreement for inter-institutional cooperation. As part of this agreement, the BN will create the Flat Bankwhich will allow pensioners to access loans from S/3,000 to S/40,000.
We tell you more about the credits aimed at favoring the more than 500,000 older adults of the National Pension System.
What are the requirements for a pensioner to obtain a loan?
The main requirement is that the retiree Receive your pension at Banco de la Nación. The others are:
- Original of the DNI
- Original and copy (or virtual receipt) of the last pension payment receipt.
- Approach, if possible, a BN agency to evaluate your case.
From when will the loans be delivered?
The BN indicates that it already provides loans to pensioners. Currently, it has about 160,000 pensioners who have credits, and of these, more than 99,000 belong to the ONP. Of these, and96% are paying it without any problem.
“What is going to happen now is that this product will be enhanced, that is, the conditions will improve according to the age group, the amounts and other details”, mentions the BN.
Up to what age can they apply for the loans?
The credits of the Platinum Banking They do not have an age limit. However, the BN will analyze each case to determiner the amounts and needs of the pensioner, in such a way that the loan helps them and does not harm them. No endorsement or guarantees are required.
To the date, 783 pensioners over the age of 90 have credit with Banco de la Nación.
What is the credit life insurance rate?
Loans to pensioners will have a life insurance in case something happens to the credit holder so that their relatives are not left with debts to pay. The Multired Loan repayment insurance rate is:
- Adults over 84 years of age is 1.33%, on the debit balance of the loan.
- Regular from 18 to 84 years is 0.12%, on the debit balance of the loan.
Rates are determined by insurance companies, not by Banco de la Nación.
Source: Larepublica
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