A previous study by the Universidad del Pacífico indicated that more than 8.5 million Peruvians do not pay their debts on time. Therefore, in the following note you will be able to know if you have any outstanding debt.
- Are debts inherited or canceled in Peru? Look what the law says
- SBS debt report: how many days late are you considered a debtor with “potential problems”?
The current economic situation in Peru is a reality after a health crisis due to Covid-19, which generated an impact on economic development. People who have a small business or are in a similar situation were and are the most affected. For this reason, thousands of businessmen are forced to request accessible and immediate credit, which means that every day citizens go into debt in different banking entities and are unable to cover their debts.
Given the questions from citizens, there is a quick way to evaluate if you have outstanding debts, which you can know only with your National Identity Document (DNI) number and as many times as you want, since the platform is free.
Where can I see if I have debts, with only my ID?
In order to find out if you owe a banking entity, you must enter the official website of the Superintendence of Banking, Insurance and AFP (SBS). Click here:
- You must make the query through the system called ‘online services’.
- Then, with the DNI number, you must make the query.
- Remember that this action can be done several times through the virtual platform.
Likewise, you can do it in person; however, this could have an additional cost.
With how long late in payment do I already appear as a debtor with “potential problems”?
The different financial institutions categorize their debtor clients based on the time of delinquency. A clear example is the case of consumer loans. Along these lines, if a citizen has a payment delay of 9 to 30 calendar days, he receives the classification of ‘potential problems’, a designation that enters the general system.
What does the law say about debtors?
Within the current Peruvian Civil Code, it is established that debts expire within a period of 10 years; some time later, they cannot be judicially demanded. However, it is relevant to note that this action is not deleted or disappears and will continue to be indicated within the Risk Center of the Superintendency of Banking, Insurance and AFP (SBS).
Graduated in Journalism with experience in the radio and writing field. He specializes in issues of the social situation with a human focus. With interest in addressing political and regional issues.
Source: Larepublica
Alia is a professional author and journalist, working at 247 news agency. She writes on various topics from economy news to general interest pieces, providing readers with relevant and informative content. With years of experience, she brings a unique perspective and in-depth analysis to her work.
