These are the loans offered by Banco de la Nación: what are the requirements to access?

At a certain point in life, many people require a loan for various purposes. To do this, before choosing to make it effective, it is necessary to evaluate some aspects: interest rates, meet certain requirements and that it be done legally. Along these same lines, it is necessary to point out that the Banco de la Nación has some of these benefits intended for specific needs of citizens. In this note you will find out which loans are granted by the State financial entity and what conditions you must meet to access them.

What loans does Banco de la Nación offer?

Classic MultiRed and/or agreements

This product offered by Banco de la Nación has the particularity of allowing you to request a maximum of S/99,999 with payment terms of up to 60 months without collateral, after a credit evaluation.

Requirements

• Be a worker or pensioner in the public sector and have a debit card from Banco de la Nación.
• Introduce ID or immigration card, both the original and the copy.
• Present the latest payment receipt (no more than four months old) whether original, copy and, if applicable, virtual.
• In the case of CAS workers who have started working at the entity from 03/10/2021 onwards, they must present the latest original contract, and/or addendum(s) or certified copy(s), which prove that the worker has been in the institution for at least 13 months. In the case of workers who have started working before the indicated date, they do not need to present these documents.
• Likewise, you must have a normal rating, not defined or not reported in the Risk Center of the Superintendency of Banking and Insurance (SBS).

Discount by payroll

This alternative allows you to request amounts from S/300 to S/50,000, which can be paid in terms of up to 60 months and the payment will be made automatically under the charge assigned to your assets on the day the installment expires.

Requirements:

• Be a worker or pensioner in the public sector and have a debit card from Banco de la Nación.
• Introduce ID or immigration card, both the original and the copy.
• Original and copy (or virtual receipt) of the last payment receipt (for worker or pensioner), no older than four months.
• With respect to CAS workers who have entered to work at the entity from 03/10/2021 onwards, they must present the latest original contract, and/or addendum(s) or certified copy(s), which prove that the worker has been in the institution for at least 13 months
• Present supporting documentation, original and copy, of the debts to be settled or consolidated:
• Credit cards: the latest or current credit card statement, formally issued by the financial institution, must be presented.
• Freely available consumer loans: the debt settlement must be submitted, which must contain the following information:
• Total balance of the debt, until the date of issuance of the debt settlement.
• Client data.
• Contract or credit number.

Student loan

This loan allows you to finance from 20% or S/300 to 100% of the value of the educational program you choose to take (institutions that are on the bank’s list) and costs such as registration, tuition, administrative procedures and others.

Requirements:

• Be a worker or pensioner in the public sector and have a debit card from Banco de la Nación (affiliated with VISA).
• Introduce ID or immigration card, both the original and the copy.
• Present the latest payment receipt (no more than four months old) whether original, copy and, if applicable, virtual.
• Pre-enrollment format issued by the Educational Institution, duly endorsed.
• If they are CAS workers who have started working at the entity from 03/10/2021 onwards, they must present the latest original contract, and/or addendum(s) or certified copy(s), which prove that the worker has been in the institution for at least 13 months. In the case of workers who have started working before the indicated date, they do not need to present these documents.

Loan Debt Purchase

This benefit from Banco de la Nación can be granted to people who have a normal qualification and potential problems in the SBS Risk Center for the first and only time. The amount to be requested can be up to S/50,000 to pay in a maximum of 60 installments. Likewise, it can be accessed if at the same time the client has a current MultiRed loan, as long as it is fulfilled in its payments.

Requirements:

• Be a worker or pensioner in the public sector and have a debit card from Banco de la Nación.
• Introduce ID or immigration card, both the original and the copy.
• Original and copy (or virtual receipt) of the last payment receipt (for worker or pensioner), no older than 4 months.
• With respect to CAS workers who have entered to work at the entity from 03/10/2021 onwards, they must present the latest original contract, and/or addendum(s) or certified copy(s), which prove that the worker has been in the institution for at least 13 months.
• Documents that support the monthly fee that you pay, so that it is included in the evaluation of your payment capacity and its transfer.