Are you looking for a mortgage loan? Banco de la Nación can finance your own home with up to 90%

Do you have the dream of your own house? The Banco de la Nación offers you a mortgage loan to buy a property if you are a public sector worker, with at least one year of service, or a pensioner. One of the biggest benefits is that the loan can cover up to 90% of the home’s sale value.

However, keep in mind that you must belong to the normal classification in the Risk Center of the Superintendency of Banking and Insurance. If you want to know all the requirements to access this credit, continue reading the following note.

Banco de la Nación: what are the benefits of mortgage credit?

This loan offers several advantages, we detail each one:

• Interest rates according to the rates and commissions schedule.
• You can pay the credit up to 25 years.
• The mortgage loan includes financing of expenses (registration, notary and appraisal) for a value of up to 1 UIT = S/4,950.
• Payment of mortgage loan installments can be charged to the client’s savings account.

How much do they lend for the mortgage loan?

The mortgage loan from Banco de la Nación can pay up to 90% of the property sale value or the appraised commercial value. In addition, it offers S/15,000 for financing the purchase and transfer of mortgage debt.

It should be noted that to demonstrate your ability to pay and borrow, you can present not only your main monthly income or pension, but also other demonstrable income or income.

What are the requirements to access mortgage credit?

• Present original ID of the owner and spouse.
• Have an active Multired Visa debit card.
• Two last payment slips from the loan holder and the last six from the spouse, original and copy or print, if applicable.
• Last water, electricity or landline bill, original and copy.
• Proof of appointment (workers) or termination resolution (pensioners) of the owner or spouse, original and copy.
• Certified copy of the marriage certificate.
• If you have current credits in other financial institutions, you must present documents that support the monthly installments, original and copy.
• Regarding the property, you must present the real estate registration certificate (original) issued by Sunarp, which is no more than 30 days old since it was issued.
• Affidavit of Self-Value, Urban Property (PU) and Municipal Summary Sheet (HR), original or copy legalized by a notary public.
• Proof of payment of the canceled Property Tax for the entire current year, original or copy legalized by a notary public.