These are the 4 loans offered by the Banco de la Nación in 2024: what are the requirements?

During the beginning of the year, many people seek to start new ventures, pay off outstanding debts or have liquidity to face the difficult economic situation that the country is experiencing as a result of the recession and the impacts of the El Niño phenomenon. To provide financial support, the Banco de la Nación (BN) offers a variety of loans to State workers and pensioners.

Through these services, you can request up to four types of loans to pay for studies, purchase debts and payroll discounts. In the following note from La República, learn about the requirements and steps to access these BN credits. Write down all the details!

What are the loans offered by Banco de la Nación in 2024?

According to the Banco de la Nación website, this entity offers up to four types of loans that adjust to the financial needs of its users. Below, learn about the benefits and requirements to access each of them:

Classic MultiRed and/or agreements

This freely available loan provides the opportunity for public sector workers and retirees to request a cash credit between S/300 and S/99,999 with payment terms of up to 60 months, according to a prior credit evaluation.

Requirements to access

1. Public sector workers or pensioners must have a Banco de la Nación debit card.
2. Present your ID or copy of your immigration card.
3. Show the original and a copy of the last payment slip, which cannot be more than 4 months old.
4. In the case of CAS workers, whose date of employment is from 03/10/2021 onwards, they must demonstrate a minimum seniority of 13 months. To do this, they must present their latest original contract, addendum or copy.
5. If a CAS worker entered work before 03/10/2021, they will not need to present these documents.
6. It is necessary to have a normal qualification, not defined or not reported in the Risk Center of the Superintendence of Banking and Insurance.

Loan Debt Purchase

This economic benefit offered by the Banco de la Nación is granted to users who have a normal rating and present potential problems in the Risk Center of the Superintendency of Banking and Insurance. Consequently, the requested amount can reach S/50,000 in a maximum period of up to 60 months, according to credit evaluation.

These are the requirements

• Have a MultiRed debit card from Banco de la Nación.
• Present your ID or immigration card, both the original and a copy.
• Show both the original and the copy of the last payment receipt, no older than 4 months.
• For CAS workers who have started working in the entity from 03/10/2021 onwards, they must present the last original contract and/or certified copies of addendums, which demonstrate that the worker has been in the institution for at least 13 months. .
• It is necessary to present the documents that support the monthly payment of the fee, so that it is considered in the evaluation of the payment capacity and its transfer.

Payroll discount loan

The Banco de la Nación offers a payroll discount loan that offers the possibility of request amounts of money between S/300 and S/50,000. These amounts can be paid in fixed monthly installments, depending on the credit evaluation. In addition, one of the main benefits of this loan is that it allows you to consolidate credit card debts or pay consumer loans that you have with other financial entities.

Requirements:

• Have a MultiRed debit card from Banco de la Nación.
• Present your DNI or immigration card, either the original and a copy.
• Show the original and a copy of the last pay slip (for worker or pensioner), which must not be older than four months.
• In the case of CAS workers who have started working in the entity from 03/10/2021 onwards, it is required to present the latest original contract and/or addendum(s) or certified copy(s) that demonstrate that the worker has been in the institution for at least 13 months.
• It is important to have the supporting documentation prepared, both in its original version and a copy, of the debts to be settled or consolidated.
• It is necessary to present the latest or current credit card statement, officially issued by the financial institution.
• In the case of freely available consumer loans, the debt settlement must be submitted, which must include the following information: total balance of the debt, customer information and contract or credit number.

Student loan

The Banco de la Nación offers its users the opportunity to obtain credit to access financial support and technical-level specialization programs, undergraduate and graduate studies, doctorates, and expenses to achieve a master’s degree, among others. Furthermore, you can have financing from 20% or S/300 to 100% of the value of the educational program chosen and costs such as registration, registration, administrative procedures and others.

Which are the requirements?

• Have a MultiRed Debit card from Banco de la Nación (affiliated with VISA).
• Present DNI or immigration card, both in its original version and a copy.
• Present the latest payment receipt, which must be no more than four months old, whether in its original, copy or virtual version.
• Have the ‘Pre-Registration’ format issued by the Educational Institution, which must be duly endorsed.
• In the case of CAS workers, who have started working as of 03/10/2021, they must demonstrate a minimum length of service of 13 months, additionally presenting their last original contract and/or addendum(s) or copy(s). authenticated(s) thereof.
• For CAS workers who entered the workforce before 03/10/2021, it will not be necessary to comply with this aforementioned requirement.