In an effort to ease the financial burden on users, the National bank has a loan program aimed at contracted, appointed workers and pensioners in the public sector. This is a credit intended to buy the debts you have on your credit cards so that you can centralize them in a single financial institution.
If you have several outstanding debts on your cards, this may be a solution, since the loan can be paid in installments of up to 60 months and offers a series of advantages. Next, we will see who can access this benefit and what its main characteristics are.
Banco de la Nación: who can access the debt purchase loan?
The debt purchase loan from Banco de la Nación is available for contracted, appointed workers and pensioners in the public sector who maintain savings accounts in this financial institution. It is essential that applicants have a salary or pension that allows them to qualify for debt consolidation through this loan.
This initiative offers significant financial relief to those carrying multiple credit card debts, providing a maximum payment term of up to 60 months and a preferential interest rate of 11.48% TCEA.
Characteristics of the debt purchase loan
The debt purchase loan from Banco de la Nación offers a series of attractive features for applicants. With the possibility of requesting up to S/50,000 and terms of up to 60 months, this loan adapts to the individual needs of each client.
To access this loan you need a “Normal” or “Potential Problems” rating at the Risk Center of the Superintendency of Banking and Insurance (SBS). Monthly payments are made through fixed installments, with the flexibility to make full or partial advance payments depending on the client’s capacity.
Banco de la Nación: what are the requirements for them to buy your debt?
To apply for the debt purchase loan National bank, Applicants must meet the requirements detailed below:
- Have a MultiRed Debit Card
- Present the original DNI or immigration card, as well as the latest payment receipt no older than 4 months.
- CAS workers who have started working from 03/10/2021 onwards must demonstrate a minimum length of service of 13 months through their last original contract.
- All applicants must provide documents supporting the monthly fee they pay, which will be evaluated to determine ability to pay.
How to apply for the loan to purchase debts from Banco de la Nación?
The process to request the debt purchase loan from Banco de la Nación is simple and accessible. Those interested must go to the nearest agency within the established opening hours and present the required documents to the care staff.
After passing the credit evaluation, applicants can receive approval and direct disbursement of the requested amount to their savings account at Banco de la Nación. It is important to note that the bank will begin the debt payment process immediately, providing the client with a list of contractual documents that must be signed.
Source: Larepublica
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