Dream of your own home! Banco de la Nación finances up to 90% of the value of the property

One of the greatest desires of Peruvian families is to buy their own home. However, on many occasions, the economic issue can prevent the realization of that objective. To address this problem and close the gaps in the housing deficit in our country, the State, through Banco de la Nación, finances up to 90% of the value of the property thanks to the benefits offered by the mortgage credit. In the following note, find out what the requirements are, where and how to request it and more details.

What are the requirements to apply for a mortgage loan from Banco de la Nación?

He National bank makes available to public sector workers and pensioners of Decree Law No. 20530, the possibility of acquiring a house through state benefits such as mortgage credit from S/15,000 to more than S/150,000. To obtain this financing, the following requirements must be met:

1. The client must be a public sector servant or pensioner whose employment status is appointed or hired for an indefinite term, with a minimum of one year of employment seniority.
2. The holder of the credit must have a holding account in the Banco de la Nación, where it is recorded that for at least one month he received his remuneration on that card.
3. The owner or spouse must have a normal rating in the Risk Center of the Superintendency of Banking and Insurance (SBS).
4. Receive a minimum salary to apply for a mortgage loan from S/800.
5. The holder must not have debts with more than four entities in the financial system.

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

After meeting all the requirements, the granting of the Banco de la Nación mortgage loan can be done in simple steps due to the different communication platforms that the financial institution has:

• Agencies nationwide with opening hours from Monday to Friday from 8:00 a.m. to 5:00 p.m.and Saturday of 9:00 a.m. to 1:00 p.m.
• In addition, you can enter this link to see the agencies of Lima and provinces in the following link.
• For more information, contact the free line 0800-1-0700, telephone 519-2000, annexes 97358/97341 or WhatsApp 942896863.
• Write to the email micreditohipotecario@bn.com.pe or go to the website: www.bn.com.pe.

Who can apply for a mortgage loan from Banco de la Nación?

This credit for the purchase of housing can be requested by public sector workers whose employment status is appointed or hired for an indefinite term and pensioners who receive their salary through the same financial institution.

What are the benefits of the Banco de la Nación mortgage loan?

1. Financing up to 90% of the value of the property.
2. Payment term up to 25 years.
3. Competitive interest rates.
4. Collection of mortgage credit installments through automatic debit in the client’s savings account.