This document is very important, even more so if at any time you have applied for a loan to some entity. Find out how to request it, what it is for and more.
For various reasons, some people go to financial institutions to request a loan. As part of the delivery of this product, deadlines are agreed with the beneficiary, which must be met to prevent damage to the product. credit history or be prevented from accessing this type of operations.
Once you have made the corresponding payments, it is important that you request the proof of non-debta document that will be very useful in case of any eventuality or if you require a new loan.
How to request a certificate of no debt?
Certificates of non-debt are issued free of charge. To prove that you do not have tax debts and carry out procedures at notaries, banks and other places, you can request this document at the financial institution where you settled the debt. It is also possible to request it from telephone companies, commercial houses and other institutions related to your personal financial status. Furthermore, it is common to carry out this procedure in the municipality of your district or province.
This document can be issued multiple times and facilitates the reintegration of people into the financial system.
What is proof of no debt?
The certificate of no debt in Peru is a document that certifies that a person has no outstanding debts with an institution or entity. This document is commonly required in various administrative and financial procedures, such as obtaining credit, purchasing real estate, or carrying out certain legal procedures.
What entities offer no-debt certificates?
- Banks and financial entities: To certify that there are no outstanding debts with said institutions.
- SUNAT (National Superintendency of Tax Administration): To certify that there are no outstanding tax debts.
- Municipalities: To certify that there are no debts for excise taxes, municipal taxes, among others.
Requirements to request proof of no debt
- Written request or corresponding form.
- Applicant’s identity document.
- In some cases, it may be necessary to present additional documents proving the cancellation of previous debts.
What is the procedure for issuing the certificate of no debit?
- Request the certificate: Go to the corresponding entity (bank, SUNAT, municipality) and submit the application.
- Debt review: The entity will review its records to verify the existence of outstanding debts.
- issue of the document: If there are no outstanding debts, a certificate of no debt will be issued.
What is the no-debt certificate for?
- This document is used to obtain new credits when the person was excluded from the financial system.
- It facilitates the financial inclusion of debtors who stopped paying during the pandemic, since many people stopped working.
- With this document you can request a new loan from a financial institution if you need it.
- If you want to buy or sell a property, you must go to the municipality of the district where the property is located and ask for the certificate. There is a payment involved that varies in each location.
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.
