Review all the details about this loan from Banco de la Nación, which is intended for State workers and pensioners. Know the requirements and steps to request it.
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If you are looking to buy your own house, remodel it or expand it, but you don’t have enough money, read this note. The Banco de la Nación offers mortgage loans that are aimed at public workers and retirees, with rates of 6.99% to 8.25% for any type. Below, we invite you to learn about the requirements, benefits and what steps you must follow to obtain a loan from this bank. Pay attention!
Banco de la Nación: what requirements do they require to request a mortgage loan?
According to information from the Banco de la Nación, this mortgage loan is available jointly or individually for public sector workers and pensioners of Decree Law No. 20530, who can purchase a home from S/15,000 to more than S/. /150,000. Below, we present the requirements to meet:
- Be an appointed public sector worker, hired for an indefinite term or a pensioner with a savings account at the Banco de la Nación so that your income can be deposited.
- Have one year of work experience.
- Receive monthly income greater than S/800.
- Be between 18 and 74 years and 6 months old.
- The holder and/or spouse must have a Normal rating in the Risk Center of the Superintendence of Banking and Insurance.
- Do not have debts with more than four entities in the financial system.
Banco de la Nación: where and how to request a mortgage loan?
If you meet all the requirements, you can apply for a mortgage loan from Banco de la Nación through these steps:
- Go to one of the agencies nationwide, with opening hours from Monday to Friday, from 8.00 am to 5.00 pmand Saturday of 9.00 am to 1.00 pm
- Additionally, you can enter this LINK to see the agencies in Lima and the provinces in the following LINK.
- For more information, contact Banco de la Nación on WhatsApp: 943277176.
- Write to the email micreditohipotecario@bn.com.pe or go to the website: www.bn.com.pe.
National bank: What benefits does mortgage credit offer?
- Financing up to 90% of the value of the property.
- Payment term up to 25 years.
- Competitive interest rates.
- Collection of mortgage loan installments through a charge to the client’s savings account.
Banco de la Nación: what is a mortgage loan?
A mortgage loan is a loan granted by a financial institution that allows people to acquire real estate, such as a house or apartment. Said loan is backed by a mortgage guarantee that turns out to be the same property that is being acquired.
Over time, the borrower repays the borrowed money in periodic installments that include principal as well as interest.
Source: Larepublica
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