The Banco de la Nación offers the possibility of accessing mortgage loans to public workers and retirees, with the purpose of promoting economic reactivation and reducing the housing gap in the country. These loans They have attractive interest rates, ranging between 7.25% and 8.25%, and can be used in various modalities such as the purchase, improvement, expansion or remodeling of homes, as well as in the transfer of mortgage debt.
These mortgage loans represent an opportunity for those who want to access their own home or improve their current housing situation. By offering competitive interest rates and various usage modalities, the bank seeks not only to encourage the acquisition of homes, but also to promote investment in the real estate sector.
How to access the mortgage loan from Banco de la Nación?: the requirements
It is necessary to meet the following requirements if you want to opt for a mortgage loan from the bank. This financial product can be granted individually or jointly, and it is not necessary for the spouse to be a state employee.
- You must be an appointed public worker, with an indefinite-term contract or a pensioner, as well as have a savings account at the Banco de la Nación to deposit income.
- Have at least one year of work experience.
- Receive monthly income greater than S/800.
- Be between 18 and 74 years and 6 months old.
- Have a “normal” qualification in the financial system, both for the applicant and his or her spouse.
This is how you can request a mortgage loan from Banco de la Nación
You can request a mortgage loan from Banco de la Nación in several ways:
- At any branch of the Banco de la Nación, from Monday to Friday from 8:00 a.m. to 5:00 p.m. and on Saturdays from 9:00 a.m. to 1:00 p.m.
- Through the bank’s official website: www.bn.com.pe.
- By email: micreditohipotecario@bn.com.pe.
- Customer service by WhatsApp at number 943 277 176.
Is it necessary to present a guarantor or guarantee when applying for a mortgage loan?
No, the guarantee for this type of credit is the property itself that is purchased. The client grants a first and preferential mortgage in favor of Banco de la Nación on the property. However, in the event that the spouse contributes with his or her income and has a savings account at Banco de la Nación, the monthly fee will be charged from that account in the event that there are insufficient funds in the account holder’s account.
Can everyone request mortgage loans from Banco de la Nación?
Only public sector workers with an indefinite contract, as well as public sector pensioners, who have a savings account at the Banco de la Nación and meet the requirements to be eligible for credit, can request a mortgage loan for the purchase. of housing. Therefore, if you are an employee in the private sector, you have other options in various banking entities.
Source: Larepublica
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