This is the maximum age to obtain a mortgage loan at the Banco de la Nación

Attention! Access to a mortgage credit It is very important, especially when it comes to improving the place where you live. For this reason, Banco de la Nación offers you an economic amount of up to S/200,000 for expansion, improvement and other needs. Along these lines, if you wish to access this amount, you must keep in mind that there is a maximum age for you to request it. Therefore, in this note we will give you all the details about the requirements to access this amount.

What is the maximum age to access a mortgage loan from Banco de la Nación?

If you want to access the mortgage loan of National bankyou must take into account that the maximum age to apply for it is 74 years of age. Remember that appointed public workers, those with an open-ended contract or pensioners with a savings account in the entity can access this benefit. It is important to keep in mind that the minimum age to be eligible is 18 years, while the maximum is 74 years and 6 months, so if you are in this age range, you will be able to opt for this type of credit.

Mortgage loan from Banco de la Nación: what is this loan about?

The mortgage loan of the National bank It is an excellent option for those who wish to purchase a property, whether a house or an apartment. According to the information provided on its official website, this financial institution offers the possibility of covering up to 90% of the value of the property, with amounts that can reach S/200,000. In addition, it offers competitive interest rates and payment terms of up to 25 years.

What documents do I need to apply for a mortgage loan from Banco de la Nación?

• An active Multired Visa debit card, original ID of the holder and spouse
• Have the original ID of the holder and spouse.
• 2 last pay slips of the holder (worker or pensioner) and 6 last pay slips of the spouse, original and copy, or printout in case of virtual slips.
• Latest utility bill (water, electricity or landline telephone), original and copy.
• Certificate of appointment (active workers) or resolution of termination (pensioners) of the holder or spouse, original and copy.
• Certified copy of the marriage certificate issued by the municipality.
• Documents supporting monthly payments (account statements, payment schedule, etc.) for maintaining current credits in other financial institutions, original and copy.
• Supporting documentation for other income, if declared for credit evaluation, in order to increase your borrowing and payment capacity.
• Regarding the property, the real estate registration certificate (CRI), issued by Sunarp, a sworn statement of self-assessment, urban property and municipal summary sheet, and proof of payment of the property tax for the current year are required.

How to apply for a mortgage loan from Banco de la Nación?

1. Go to the agency of National bank nearest to your home to obtain detailed information on the conditions and modalities of the credit. The bank staff will be available to assist you 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.
2. Submit documentation: Present the client’s requirements for the first credit review. If you meet the criteria, you will move on to the next stage, where you must present the property requirements.
3. Obtain the loan: If your application is approved and you submit all the required documentation, the funds will be deposited into your savings account at Banco de la Nación. The signing of the public deed will take place at the corresponding notary’s office.