Attention! Learn about the mortgage credit that offers the National bank so that you can access the purchase of your next home.
The dream of having a own house This is a dream shared by many Peruvian families. To make this goal a reality, Banco de la Nación offers the opportunity to access a mortgage loan with competitive interest rates. This alternative aims to bring citizens closer to the goal of becoming homeowners, offering accessible and flexible options in the Peruvian financial market.
He mortgage loan from the National Bank It is specially designed for the acquisition of homes, providing financing of up to 90% of the value of the property. The amounts available may exceed S/200,000with the possibility of paying in a period of up to 25 years. This initiative seeks to give Peruvian families the opportunity to fulfill the dream of having their own home, with favorable conditions and adapted to their needs. In this note we tell you everything you need to know so you can access this credit. Take note!
Banco de la Nación mortgage loan 2024: how does it work?
The mortgage loan of the National bank It is an excellent alternative for those seeking financing for the purchase of a home. With amounts ranging from S/15,000 up to amounts greater than S/200,000, this product adapts to the needs of different applicant profiles, considering their income and payment capacity.
One of the most notable advantages of this loan is its competitive Annual Percentage Rate (APR), which starts at 8.68%. This attractive rate positions it as an attractive option in the Peruvian financial market, giving clients the possibility of accessing financing with favorable and transparent conditions.
How to apply for a mortgage loan?
If you are interested in acquiring this loan, follow these steps:
- Visit the branch: Go to the Banco de la Nación branch closest to your home. The bank staff will provide you with all the necessary information about the conditions and modalities of the loan.
- Submitting documents: Submit the documents required for the initial credit assessment. If you meet the requirements, you will proceed to the second stage, submitting the property documents.
- Approval and disbursement: If your application is approved and you submit all the necessary documentation, the amount will be disbursed to your savings account at Banco de la Nación. Finally, you will sign the public deed at the corresponding notary’s office.
Requirements for a mortgage loan from Banco de la Nación
- Personal documentation: present a Multired Visa debit card active and the original ID of the holder and his/her spouse.
- Proof of income: latest pay slips, recent receipt of services, proof of appointment or termination resolution.
- Additional documents: certified copy of the marriage certificate and documents supporting other income if declared for credit evaluation.
What are the advantages of a loan from Banco de la Nación?
- Financing amount: may exceed S/200,000depending on the applicant’s income.
- Coverage: finances up to 90% of the property’s sales value, which significantly reduces the initial amount that the buyer must pay.
- It is mandatory to take out two insurance policies: one for debt relief and another against all risks for the property, guaranteeing the protection of the property and the financial security of the applicant.
Branches and hours of the Banco de la Nación 2024
The agencies of the National bank They are open from Monday to Friday from 8:00 am to 5:00 pm and on Saturdays the hours are from 9:00 am to 1:00 pm. If you want to know which agency of the BN is close to you, you can check all its branches through the official website, click here.
Source: Larepublica
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