Take note! If you have doubts or want to verify if you have debts, learn in this note how to do it for free and only with your ID.
Currently, the economic situation of Peruvian families is a worrying reality. Many choose to apply for loans from banks or savings banks, including entrepreneurs whose dream is to follow the path of success. However, one of the problems they face is related to debts, especially those contracted with financial entities.
It is important that families and entrepreneurs are aware of the risks and responsibilities involved in acquiring debt, and that they seek financial advice to make informed decisions and avoid situations of excessive debt. Given this, in this note you will be able to find out for free and quickly if you have debts. Take note!
How do I know if I have debts, just with my ID? Official link
To verify if you have debts with a banking entity, it is necessary to access the official website of the Superintendence of Banking, Insurance and AFP (SBS).
- Enter the official website, click here.
- You must make the query through the ‘SBS debt report’ option.
- Then, select the option with the IDyou must make the query.
- If you don’t have a user, you can create one and make other queries.
- Remember that this action can be done several times through the virtual platform.
Along those lines, another option is to be able to do it in person; however, this request may incur an additional cost.
SBS website to consult the debt report. Photo: SBS capture.
Debtor with ‘potential problems’: how long in arrears do I get this qualification?
Financial institutions classify their debtor clients according to the time of delinquency. For example, in the case of consumer loans, if a citizen has a payment delay of 9 to 30 calendar days, they are assigned a ‘potential problems’ rating, which is recorded in the general system. This categorization is important to evaluate the financial situation of the clients and take the necessary measures to manage outstanding payments efficiently.
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.
