In it Peru there is an open financial system, so it is easy to grant credit because there is information on the market about the behavior of debtors. Therefore, keep on hand the certificate of non-debt It is essential, since it indicates that the person paid the entire loan. It should be remembered that those who report all debts are the entities of the financial system, collection companies and those that buy (credit) portfolios before the Superintendency of Banking, Insurance and AFP (SBS). Find out HERE how to get it.
How to request a certificate of non-debt?
The issuance of the certificates of non-debt are free. If you need to prove that you do not have any tax debt and you wish to carry out procedures at a notary, banking entities and others, you should only request this document at the financial institution with which you closed the debt, but you can also request it at telephone companies, commercial houses and others that involve your personal financial status. In turn, it is recurring to do this procedure in the municipality of your district or province.
The document can be granted several times and allows people to reintegrate into the financial system.
The debts that people have with banks can be prosecuted when they are high amounts or are mortgage loans. Photo: BBVA
What is the certificate of non-debt?
The certificate of non-debt It is issued by any private or public entity and it is important to emphasize that the person does not owe the institution and has completed all payments. Likewise, it facilitates the financial inclusion of debtors who stopped paying their financial liabilities or were excluded from the system for not concluding their debts.
What is the non-debt certificate used for?
- This document is used to obtain new credits when the person was excluded from the financial system.
- It facilitates the financial inclusion of debtors who stopped paying during the pandemic, since many people stopped working.
- With this document you can request a new loan from a financial institution if you need it.
- If you want to buy or sell a property, you must go to the municipality of the district where the property is located and request the certificate. There is a payment involved that varies in each place.
Source: Larepublica
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