Do you earn more than S/800 in the public sector? This is how you can get a home with a loan from Banco de la Nación

To close the gaps in housing deficit In Peru, the State offers various programs so that the population with fewer resources can access decent housing. In the case of the workers of the public sector, have the option of obtaining a mortgage loan with attractive market rates, such as the one offered by Banco de la Nación. To do this, they must only meet a series of requirements that we will detail in this note.

What requirements to meet to access mortgage credit?

The Banco de la Nación grants up to 90% of the sale value of the property for the purchase of a home, that is, as an initial fee, the client will have to pay at least 10% of the value of the property to the seller with their own resources. To purchase a home, as indicated on its website, the BN offers rates ranging from 7.25% to 8.25%. After that, other basic requirements that must be met to obtain a mortgage loan in the National bank are:

• Being an appointed public worker, with an indefinite-term contract or a pensioner
• For active workers, have a minimum employment seniority of one year.
• Have a holding account at the Banco de la Nación and register at least six payments.
• Be between 18 and 74 years with 6 months.
• get one “average” rating” in the risk center of the Superintendency of Banking, Insurance and AFP (SBS).
• accredit a Minimum monthly income of S/800.
• The credit holder must not have debts with more than four entities of the financial system.

Do you ask for a guarantee for a mortgage loan to buy a home?

As detailed by the so-called ‘Banco de Todos’, there is no guarantee involved, since the guarantee is the property itself that is purchased, on which the client grants a first and preferential mortgage in favor of Banco de la Nación. However, they specify that if the spouse participates in their income and has a savings account in the BN, they will be charged the monthly fee if the owner does not have one. money in your main account.

Can I buy a property under construction project?

Yes, the Banco de la Nación allows the worker to finance the acquisition of properties that are under construction projects or called future assets, that is, that do not yet have the item registered in Public Records. In this case, the real estate company will be asked for a letter of guarantee in favor of the state financial institution.

Where do I apply for a mortgage loan with Banco de la Nación?

Known the requirements and benefits, if you are interested in obtaining a BN mortgage loan, you should approach any agency of this entity Monday through Friday from 8:00 a.m. to 5:00 p.m., and Saturdays from 9:00 a.m. to 1:00 p.m.. You can also check details at:

• Email: [email protected]
• WhatsApp: 943 277 176