How can I access the mortgage loan from Banco de la Nación and what requirements do they require?

The National Bank offers mortgage loans so that its users can improve, expand or remodel their own homes. The loan is only in national currency with amounts ranging between S/10,000 and S/100,000 and you will have up to 10 years to pay it and with a interest rate from 8.48%. This amount only covers up to 50% of the value of the property, depending on an appraisal. Find out here what the requirements are to opt for this exclusive loan for users of this bank.

What requirements do you need to apply for your mortgage loan at Banco de la Nación?

• The client must be a public sector worker whose employment status is appointed or hired for an indefinite term, with a minimum of one year of work seniority, or a public sector pensioner.
• The credit holder must have a holding account in the Banco de la Nación, must receive his income in the Bank for at least one month and can manually include the five previous receipts, in this way he would meet the condition of having six credits. minima.
• The owner and/or spouse, if applicable, must have a Normal rating in the Risk Center of the Superintendence of Banking and Insurance. They must not have a classification of “CPP”, “Deficient”, “Doubtful” or “Loss”.
• Minimum income to request the Mortgage Credit from S/800. Other demonstrable income of the client and spouse or cohabitant may be considered.
• The holder must not register debts in more than four entities in the Financial System, including the Banco de la Nación.

What documents do you have to present to request your mortgage loan at Banco de la Nación?

• MultiRed Debit Card (active).
• Present original ID (holder and spouse).
• Original and copy of the last two payment slips (owner) and the last six (spouse) or printout in the case of virtual slips.
• Original and copy of the last utility bill (water, electricity or landline).
• Original and copy of your Appointment Certificate (assets) or Termination Resolution (pensioners) of the owner and/or spouse.
• Certified copy of the Marriage Certificate issued by the Municipality.
• Original and copy of the documents that support the monthly installments (account statements, payment schedule, etc.) to maintain current credits in other financial entities.
• Documentation that can support your other income if it is declared for the credit evaluation in order to increase your debt and payment capacity.
• Estimated work budget prepared and signed by a Chartered Civil Engineer, regarding the improvement, expansion or remodeling that is desired to be carried out on the home owned by the applicant.
• Original of the Real Estate Registration Certificate (CRI), dated no later than 30 days.
• Original of the Municipal Summary Sheet (HR).
• Original of the Property Tax/Autovalúo (PU) Affidavit.
• Original Proof of payment of the canceled Property Tax for the entire current year.

It should be remembered that the Banco de la Nación has the right to request more documentation if they consider it necessary.

How to apply for a mortgage loan at Banco de la Nación?

To request your mortgage loan at Banco de la Nación, you must complete the requested information and then you must go to one of the type 1 or 2 agencies. You can also communicate virtually, but you must still go to support your documentation.

• To find out about type 1 and 2 agencies in Metropolitan Lima HERE.
• To know the type 1 and 2 agencies in the provinces in the following LINK.