He National bank offers a mortgage loan that finances up to 90% of your home. This initiative seeks to reduce the housing gap that exists in Peru and provide the opportunity to fulfill the dream of owning your own home. The bank gives a period of up to 25 years to pay your loan and has different modalities such as the acquisition of finished property, purchase of future property, improvement, expansion and/or remodeling of the home or transfer of mortgage debt.
If you are thinking about obtaining a property through Banco de la Nación, which offers from S/15,000, below, we provide you with all the details you need to know, such as requirements, the interest rate, online simulator and more. Take note!
Appointed public employees and those hired for an indefinite period, as well as public sector pensioners who have savings accounts at Banco de la Nación and meet the requirements to be considered eligible, are the recipients of this financial service.
What are the requirements to request a mortgage loan from Banco de la Nación?
According to the information available on the entity’s official website, applicants must meet certain requirements to access the financial services offered: have at least one year of work experience, receive a monthly income greater than S/800 and be between 18 and 74 years of age at the time of application. In addition, it is necessary that both the applicant and his or her spouse maintain a ‘normal’ qualification within the financial system. You can check your debt report completely free by clicking here.
Should a guarantor or guarantee be presented?
To apply for a mortgage loan for the purchase of a home, it is not necessary to present a guarantor or guarantee. The guarantee for the credit comes from the same property acquired, on which the client establishes a mortgage of first and preferential order in favor of the Banco de la Nación. However, if the spouse contributes to the income and has a savings account in the same bank, the monthly payment will be collected from his or her account, in case there are insufficient funds in the account of the main account holder.
What percentage of the value of the property should I pay as a down payment?
The Banco de la Nación finances up to 90% of the lowest value between the sale price and the appraisal of the property for the purchase of a home, which implies that The client must cover, at least, 10% of the value of the property as an initial paymentwhich must be paid to the seller with the user’s own resources.
This is how you can request a mortgage loan from Banco de la Nación
To request a mortgage loan from Banco de la Nación, interested parties can go to any BN agency from Monday to Friday, from 8:00 am to 5:00 pm, and on Saturdays from 9:00 am to 1:00 pm. Additionally, it is possible to request more information from through different channels:
- Enter the website: www.bn.com.pe
- Write to the email micreditohipotecario@bn.com.pe
- Contact via WhatsApp at 943 277 176.
Source: Larepublica
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