Interest rates are lowered at Banco de la Nación: see the requirements to access its mortgage loans

He National bank has implemented a significant reduction in the interest rates of its mortgage creditsespecially in the form of debt transfer. This represents a unique opportunity for public sector workers and pensioners, who can now access rates from 7.62% APR, thus facilitating the purchase of homes with terms of up to 25 years and the flexibility of additional payments in July and December.

Banco de la Nación’s mortgage loan is distinguished by offering favorable and accessible financial conditions for those seeking to acquire a property. Below, we detail how this financial product works, its key benefits, the requirements to access it and the process to apply for it.

New interest rates: how the Banco de la Nación mortgage loan works

Banco de la Nación’s mortgage loan adapts to the needs of the market, offering competitive rates from 7.62% APR. These rates allow financing amounts from S/15,000 to more than S/200,000, depending on the applicant’s income.

In addition to financing for the purchase of the home, it includes the possibility of covering additional expenses such as registry, notary and appraisal costs, integrating them into the total amount of the loan for more efficient financial management.

Benefits of mortgage credit from Banco de la Nación

The mortgage loan of the National bank offers a number of outstanding benefits:

• Financing amount: Up to 90% of the property’s sales value, which reduces the initial outlay required for buyers.
• Mandatory insurance: Includes life-saving and comprehensive insurance to protect both the property and the financial stability of the applicant.

BN mortgage loan: what are the requirements?

For personal documentation, the presentation of a business card is required. Multired Visa debit card active, as well as the identity document (DNI) original of the holder and his/her spouse. As for proof of income, the latest pay slips, a recent receipt of services and a certificate of appointment or termination if applicable must be presented. In addition, a certified copy of the marriage certificate and any document supporting other declared income is requested for the credit evaluation.Go to Publish

Regarding the property requirements, it is essential to present the Real Estate Registry Certificate (CRI) issued by Sunarp, a sworn statement of self-assessment of the urban property and the municipal summary sheet. The proof of payment of the property tax corresponding to the current year must also be included.

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

The process to apply for a mortgage loan from Banco de la Nación is simple and direct:

1. Visit the agency: Go to the nearest agency to receive detailed guidance on the conditions and modalities of the loan.
2. Document Submission: Submit the documentation required for the initial credit evaluation and the property.
3. Approval and disbursement: Once the application has been approved and the documentation verified, the requested amount will be disbursed into your savings account at Banco de la Nación. The public deed is signed at the corresponding notary’s office to complete the process.