Banco de la Nación 2024: who can access Multired mortgage loans?

As the year 2024 begins, many people are thinking about buy a house or apartment, and given this, the Banco de la Nación (BN) offers a mortgage loan that can finance you from S/15,000 to 90% of the sale value of the property or the commercial appraisal value. In addition, you can pay it over a maximum period of 25 years and with an annual effective cost rate (TCEA) from 8.68%.

However, this loan is not for every user, since certain requirements that the financial institution requests must be met. If you want to know if you qualify for this creditIn this note we tell you.

Who can access mortgage loans from Banco de la Nación?

Banco de la Nación offers mortgage loans to public employees and retirees in Peru. Those who wish to access these loans must meet certain requirements, such as having at least one year of work experience, receiving monthly income greater than S/800, being between 18 and 74 years and 6 months old, and having a “normal” qualification. “in the financial system.

These loans can be individual or shared, and it is not necessary for the spouse to be a public employee. The bank’s goal is to support economic recovery and reduce the housing gap in the country.

Those interested can request the loan at any branch of Banco de la Nación, through its website, email or WhatsApp, according to the options provided by the bank.

What requirements does the mortgage loan from Banco de la Nación have?

The client’s

• Present active Visa Multired Debit Card.
• Present original ID of the owner and spouse.
• 2 last pay slips of the holder (worker or pensioner) and the last 6 of the spouse, original and copy, or print in case of virtual slips.
• Last utility bill (water, electricity or landline), original and copy.
• Proof of appointment (active workers) or Termination resolution (pensioners) of the owner or spouse, original and copy.
• Certified copy of the marriage certificate issued by the municipality.
• Documents that support the monthly installments (account statements, payment schedule, etc.) to maintain current credits in other financial entities, original and copy.
• Documentation supporting other income, if declared for credit evaluation, in order to increase your borrowing and payment capacity.

Of the property

• Well finished home (registered in Public Registries)
• Original of the Real Estate Registration Certificate (CRI) issued by Sunarp, whose age is not older than 30 days from the date of issue. In the case of provinces, also request a literal copy of the property issued by Sunarp.
• Affidavit of Self-Valuation, 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.

What other loans does Banco de la Nación offer?

• Classic MultiRed and/or agreements: This freely available loan provides the opportunity for public sector workers and retirees to request a cash loan between S/300 and S/99,999 with payment terms of up to 60 months, according to a prior credit evaluation.
• Debt purchase loan: This economic benefit offered by Banco de la Nación is granted to users who have a normal rating and who present potential problems at 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.
• Payroll discount loan: This payroll discount loan offers the option of requesting amounts of money ranging from S/300 to S/50,000. These amounts can be repaid in fixed monthly installments, depending on the credit evaluation. A notable advantage of this loan is that it offers the possibility of consolidating credit card debts or paying off consumer loans held with other financial institutions.
• Student loan: Banco de la Nación offers its clients the possibility of obtaining credits intended to financially support technical training programs, undergraduate and graduate studies, doctorates, and expenses associated with obtaining a master’s degree, among others. It is possible to access financing that covers from 20% or S/300 to 100% of the total cost of the chosen educational program, including expenses such as registration, tuition, administrative procedures, among others.