If you are going through a difficult economic situation, you have debts that you cannot pay or you plan to start your own business, but you do not have enough money, Banco de la Nación offers you some alternatives. Write down this information well: you can access Multired Loans of almost S/100,000 with promotional interest rates. Next, we leave you all the information related to the requirements, how to apply for the credit and who can access these financial aids.
What are the benefits of the Banco de la Nación loan?
- Request a freely available cash loan that allows you to request between S/300 to almost S/100,000, according to a credit evaluation and paying them in monthly installments.
- Access payment terms of up to 60 months.
- The Annual Effective Cost Rate (TCEA) is 11.58% charged to the monthly fee in the savings account and with an Annual Effective Rate (TEA) of 10%.
- If you are a State worker or pensioner and receive your monthly income at the Banco de la Nación, you can request your Multired Loan at any time.
Who can access the Banco de la Nación loan?
Said credit is accessible only to active workers of Banco de la Nación or pensioners who receive their salary through the same entity and have a savings account. In the case of the promotional TCEA, it is aimed at those applying for a Multi-Network Loan for the first time, as well as people who have paid off their last loan before April 27, 2023.
Finally, those people who made the payment of the last installment during the validity of this campaign can request the loan. It is worth emphasizing that this does not apply to clients who canceled the partial advance payment during the campaign and neither does it apply to loan renewals.
What are the requirements to apply for a loan from Banco de la Nación?
If you want to request a Multi-network Loan for the first time and you do not have a pending loan, you can go to one of the Banco de la Nación branches, bringing the following documents:
- Multi-network debit card
- Original ID or copy of the immigration card
- Original or copy of the last pay slip
- Have a “normal, undefined or unreported” rating in the risk center of the Superintendency of Banking and Insurance.
How do I request a Multinetwork Loan from Banco de la Nación?
To access the MultiRed Loan you must be a State worker or pensioner, and receive your remuneration at the Banco de la Nación. You just have to click HERE or you can write to WhatsApp 942896863, indicating your ID number. Also, you can contact by phone at the following numbers: 994176546, 994170148, 994157902 and 994171558.
If you were prequalified, you must go to the BN agencies nationwide:
- www.bn.com.pe/canales-atencion/agencia-lima-metropolitana.asp
- www.bn.com.pe/canales-atencion/agencia-nivel-nacional.asp
Once you have complied with the above, deliver the requested requirements to the bank’s service personnel to pass the credit evaluation. If your loan was approved, the amount will be disbursed directly into the savings account you have at the Banco de la Nación. In the same way, the staff will give you a list of contractual documents that you must sign.
Source: Larepublica
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