Do you need to improve your home? Access the mortgage loan from Banco de la Nación. Check out all the requirements and how you can apply for it in this article.
Attention! If you are thinking of improving your home, a mortgage loan can be an excellent option to carry out those much desired renovations. In this case, Banco de la Nación makes available up to S/200,000 so that you can cover the costs of expansion, improvement and other needs related to your home.
However, it is important to note that when requesting this amount, there is a maximum age that you should consider. Therefore, it is essential to carefully review all the requirements necessary to access this credit and thus be able to carry out your home improvement projects. Here we tell you all the details you should know about the mortgage loan.
Banco de la Nación Mortgage Loan 2024: What is this loan about?
He National bank offers a mortgage loan which is presented as an excellent alternative for those people interested in acquiring a property, whether a house or an apartment. According to the detailed information on its official website, this financial institution allows covering up to 90% of the value of the home, with amounts that can reach up to S/200,000. In addition, it stands out for offering competitive interest rates and payment terms that can extend up to 25 years. This proposal gives clients the opportunity to access a solid and convenient financial solution to make the dream of owning their own home come true.
What is the maximum age to apply for a mortgage loan from Banco de la Nación?
Take note! If you are considering applying for a mortgage credit At Banco de la Nación, it is essential to take into account certain requirements. Firstly, the maximum age to apply for this type of credit is 74 years old. It is important to note that appointed public employees, those with an open-ended contract or pensioners who have a savings account at this financial institution can access this benefit.
It is also relevant to mention that the minimum age to be eligible is 18 years, while the maximum is 74 years and 6 months. Therefore, if you are within this age range, you meet the requirements to opt for this type of mortgage credit.
Banco de la Nación: What do I need to access the 2024 mortgage loan?
- An active Multired Visa debit card, DNI Original of the owner 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 at Banco de la Nación?
If you are interested in being able to apply for this mortgage credit follow these steps:
- Visit the nearest Banco de la Nación branch and request information about the conditions and modalities of this loan.
- Then, submit the documentation that the bank’s advisor has indicated to you. This process will go through an evaluation; if you manage to complete the requirements, you will move on to the stage where you will present the requirements for your property.
- Loan granted, if your letter is approved the money will be deposited in your account at the Banco de la Nación. You will have to sign a public deed in the presence of a notary, for the approval of the case.
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.
