Loans at Banco de la Nación: what are the requirements and how to request them?

If you are facing a difficult economic situation, have outstanding debts, or need money to start a new business, read this note. It turns out that the Banco de la Nación has a series of financial products, which are aimed at public sector workers and pensioners who receive their income in said State entity.

Through these services, citizens can request up to four types of loans offered by the bank, with attractive rates and terms. Below, find out all the details about the benefits and requirements to apply. these credits.

What loans are available at Banco de la Nación?

The Banco de la Nación offers four types of loans, which are related to paying for studies, purchasing debts and payroll discounts. To access these credits, you must meet the following requirements:

Classic MultiRed and/or agreements

According to the information on the Banco de la Nación website, this freely available loan allows public sector workers and pensioners to request said credit in cash between S/300 and S/99,999. In addition, terms of up to 60 months can be accessed, depending on a prior credit evaluation.

Requirements

• Public sector workers or pensioners must have a Banco de la Nación debit card.
• Present your ID or copy of your immigration card.
• Show the original and a copy of the last payment slip, the maximum accepted age of which is 4 months.
• In the case of CAS workers, whose date of entry into employment is from 03/10/2021 onwards, they must demonstrate a minimum work seniority of 13 months. To do this, they must present their latest original contract, addendum or copy.
• If a CAS worker has a work entry date prior to 03/10/2021, they will not need to present these documents.
• Have a normal rating, not defined or not reported in the Risk Center of the Superintendence of Banking and Insurance.

Discount by payroll

A payroll discount loan from Banco de la Nación is a cash loan that allows you to request amounts between S/300 and S/50,000, which can be paid in fixed monthly installments, according to credit evaluation. In that sense, one of its main benefits is that it allows you to consolidate your credit card debts or pay consumer loans that you may have with other entities.

Requirements:

1. Have a MultiRed debit card from Banco de la Nación.
2. Present your DNI or immigration card, either the original and a copy.
3. Show the original and a copy of the last pay slip (for a worker or pensioner), no older than four months.
4. In relation 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
5. Have ready the supporting documentation, original and copy, of the debts to be settled or consolidated:
6. Present the last or current credit card statement, formally issued by the financial institution.
7. Freely available consumer loans: the debt settlement must be submitted, which must contain the following information: total balance of the debt, customer information and contract or credit number.

Loan Purchase of credit card debts

This economic benefit from Banco de la Nación is granted to people who obtain a normal rating and with potential problems in the Risk Center of the Superintendency of Banking and Insurance. In that sense, the amount to be requested can reach S/50,000 in a maximum period of up to 60 months, according to credit evaluation.

Requirements:

1. Have a MultiRed debit card from Banco de la Nación.
2. Present your ID or immigration card, both the original and a copy.
3. Show the original and a copy of the last pay slip (for worker or pensioner), no older than 4 months.
4. 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), that proves that the worker has been in the institution for at least 13 months.
5. Present the documents that support the monthly fee that is paid, so that it is included in the evaluation of the payment capacity and its transfer.

Student loan

This credit offered by Banco de la Nación allows you to acquire financial support and access specialization programs with a technical level, undergraduate and postgraduate training studies, doctorates and expenses to obtain a master’s degree, among others. Along these lines, you can have financing from 20% or S/300 to 100% of the value of the educational program you choose to take and costs such as registration, registration, administrative procedures and more.

Requirements:

• Have a MultiRed 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-Registration’ format issued by the Educational Institution, duly endorsed.
• For CAS workers, whose date of employment is from 03/10/2021 onwards, they must demonstrate minimum work seniority of 13 months, additionally presenting their last original contract and/or addendum(s) or certified copy(s). thereof.
• In the case of CAS workers, whose date of employment is prior to 03/10/2021, the aforementioned requirement will not be required.