Banco de la Nación: how can I process a loan of up to S/100,000 and what are the requirements?

The Banco de la Nación has launched its third loan campaign that is aimed at contracted, appointed workers and pensioners in the public sector. This economic benefit will only be available until September 18 and the amounts offered by the entity range between S/300 and S/99,999. In the following note, we tell you what the requirements are and how you can access these Multired loans with low interest. Take note!

Banco de la Nación: what are the benefits of the loan?

According to Cecilia Arias, Product and Financial Inclusion Manager of Banco de la Nación, for this third campaign a promotional rate of 10% is planned in an Annual Effective Rate (TEA), while the Annual Effective Cost Rate (TCEA ), which includes credit insurance and other amounts, is equivalent to 11.58%. In both situations, the payment term will be up to 60 months and, in relation to other private banks, the interest rate is up to five times less.

“In just 20 minutes you can access financing. That is, in that period, the money will be disbursed into your account. Furthermore, the TEA is 10% and, during this year, we have worked hard at the bank so that more public servants who receive their salaries have access to this financing,” said the Banco de la Nación official in statements to TV Perú.

Below, we leave you the benefits that this entity offers to public servants and retirees, according to its institutional website:

• Request a freely available loan in cash that allows you to access an amount between S/300 and S/99,999, according to your credit evaluation and paying them in fixed monthly installments.
• Access payment terms of up to 60 months.
• The Annual Effective Cost Rate (TCEA) is 11.58% with charge of the monthly payment in the savings account and with an Annual Effective Rate (TEA) of 10%.

Banco de la Nación: what are the requirements to access a loan?

These loans from the Banco de la Nación are aimed at workers hired, appointed and retired from the public sector, who receive their salary through said financial institution and have a savings account.

In that sense, only those people who process a Multired Loan for the first time, have made the payment of the last installment during the validity of the promotion or have paid off their debt before the start of this campaign can apply for this credit.

Banco de la Nación: how to access a loan?

If you want to acquire a MultiRed Loan for the first time and you do not have a current loan, you can go to one of the Banco de la Nación agencies and present the following documents:

• Multired debit card.
• Original DNI or copy of the immigration card.
• Original or copy of the last payment receipt, the maximum age of which is accepted is four months.
• Have a “normal, not defined or not reported” rating in the risk center of the Superintendence of Banking and Insurance.
• In the case of CAS workers, whose employment date is from 03/10/2021 onwards, they must demonstrate a minimum work seniority of 13 months, presenting their last original contract and/or addendum or certified copy thereof. If a CAS worker has a job entry date prior to 03/10/2021, he will not be able to demand this requirement.

Banco de la Nación: what are the contact numbers?

For any questions or queries about how to apply for the MultiRed loan, you can write to WhatsApp at National bank: 942896863, where they can evaluate you financially. Likewise, these are the numbers to call:

• 994 176 546
• 994 170 148
• 994 157 902
• 994 171 558

If you want to know the list of agencies of the Banco de la Nación At the local and national level, you can access through these links:

• Agencies of the Banco de la Nación in Metropolitan Lima
• Agencies of the Banco de la Nación at the national level