Loans from Banco de la Nación 2024: what are the amounts they offer and what requirements do they ask for?

Workers and pensioners in the public sector have the possibility of requesting a series of loans through the Banco de la Nación to start their own business, cancel outstanding debts or have financial resources to face the impacts of the recession and the occurrence of the phenomenon. The boy. In total, there are four loans offered by the bank to pay for studies, buy debts, or through payroll deductions.

To access these financial products, there are a series of requirements that interested parties must meet. Therefore, review in the following note from La República all the details about the characteristics of these loans, the amounts offered and the steps to request them. Write down all the details!

What loans does the Banco de la Nación offer in 2024?

According to the Banco de la Nación website, this entity directs its loans to state workers and retirees in Peru. In that sense, it is essential that people interested in applying for these credits review the terms and conditions and make sure they comply with everything required.

1. Classic MultiRed and/or agreements

If you are an employee or retiree in the public sector and receive your income at Banco de la Nación, you can request this MultiRed loan at any time. It is freely available and provides the opportunity to have a credit ranging from S/300 to S/99,999 with payment terms of up to 60 months, according to a credit evaluation. Likewise, the Annual Effective Cost Rate (TCEA) is 16% until January 21 of this year.

What are the requirements to access?

• Public sector workers or pensioners must have a Banco de la Nación debit card.
• Present the original DNI or a copy of the immigration card.
• Show the original and a copy of the last payment slip, which cannot be more than four months old.
• In the case of CAS workers whose employment date 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.
• If a CAS worker started working before 03/10/2021, they will not need to present these documents.
• It is necessary to have a normal qualification, not defined or not reported in the Risk Center of the Superintendency of Banking and Insurance.

How to apply for the MultiRed loan?

1. Make your personalized prequalification by contacting the official WhatsApp of the National bank to the number 942896863.
2. Then go to the Banco de la Nación agency closest to your home.
3. Present the requested documents to the bank staff to pass the credit evaluation.
4. If your application is approved, the amount will be disbursed directly into your savings account at Banco de la Nación.

2. Debt purchase loan: What is the maximum amount?

This loan offered by Banco de la Nación is aimed at users who have a credit rating considered normal and who register potential problems in the SBS Risk Center. Through this financial product, you can request credits of up to S/50,000, with a repayment period of 60 months, according to credit evaluation. In addition, the annual effective cost rate (ACER) is 11.48% until January of this year.

Requirements to access

• 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 a copy of the last payment receipt, no older than four 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.

How to apply for the debt purchase loan?

1. Go to the Banco de la Nación agency closest to your home.
2. Send the required documents to the bank staff to go through the credit evaluation.
3. If the response is favorable, the amount will be disbursed to your savings account and Banco de la Nación will begin the debt payment process by electronic transfer or cashier’s checks.

Payroll discount loan

Through this loan from Banco de la Nación, you can request amounts of money ranging from S/300 up to S/50,000 and that can be paid in comfortable fixed monthly installments, according to the credit evaluation. This modality allows payments to be made through direct discounts on the payroll or pensions, generating convenience and control in debt management.

What requirements do they ask for access?

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 worker or pensioner), which must not be older than four months.
4. 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.
5. 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.
6. It is necessary to present the latest or current credit card statement, officially issued by the financial institution.
7. 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.

How to request it?

• Go to the Banco de la Nación agency closest to your home.
• Deliver the required documents to the service staff and wait for the credit evaluation.
• If your application is approved, the requested amount will be disbursed into your BN savings account.

Student loan: what amount do they offer?

Through this loan from Banco de la Nación, users can access specialization programs at a technical level, undergraduate and graduate studies, doctorates, and expenses to achieve a master’s degree. In this sense, financing can be obtained from 20% or S/300 to 100% of the value of the educational program chosen and the costs of registration, registration, administrative procedures, among others. Similarly, The maximum amount offered by the bank is S/100,000, which can be canceled within a period of up to 60 months and with a CAGR from 11.58% until January of this year.

What documents must be submitted?

• MultiRed debit card (affiliated with VISA).
• Original DNI, or original and copy of the immigration card.
• Original and copy (or virtual receipt) of the last payment receipt, whose maximum age accepted is four months.
• Pre-enrollment format issued by the educational institution, duly endorsed.
• For CAS workers whose employment date is from 03/10/2021 onwards, must demonstrate minimum work seniority of 13 months, additionally presenting their last original contract and/or addendum(s) or certified copy(s) of the themselves.
• For CAS workers whose date of employment is prior to 03/10/2021, the aforementioned requirement will not be required.