Are you a public sector worker? Banco de la Nación will lend you up to S/ 99,999 if you meet these requirements

If you are looking to buy a home, start your first business or simply have the liquidity to pay off outstanding debts, you have an alternative offered by Banco de la Nación. This entity has a loan campaign for Fiestas Patrias that is aimed at public sector workers and pensioners.

The amounts that can be requested range from S/300 to S/99,999 and the maximum payment term is 60 months. In addition, interested parties have the option of accessing this credit with an attractive promotional rate, without a guarantor. Below, find out the requirements and the procedure to request the loan. MultiRed loan from the Bank of the Nation.

Requirements to obtain a loan from the Banco de la Nación

According to the Banco de la Nación website, the Banco de la Nación loan campaign for Fiestas Patrias will be available until Wednesday, July 31st. Interested parties will be able to access these loans of up to S/99,999, without the need for a guarantor. Likewise, this promotion includes an annual effective cost rate (APR) from 11.58%, which is calculated based on an annual effective interest rate of 10%.

To be able to access MultiRed loans from Banco de la Nación, you must be an active worker or pensioner in the public sector, as well as receive your monthly income through this banking entity. In the following lines, review the requirements:

• Be a customer requesting a loan for the first time, who has cancelled this loan before the start of the campaign and who has made the payment of the last installment during the campaign’s validity.
• Have a savings account at Banco de la Nación and be subject to credit evaluation.
• Have a MultiRed debit card.
• Have a normal credit rating, not defined or not reported in the SBS risk center.
• In the case of CAS workers, whose employment start date is March 10, 2021 onwards, they must demonstrate a minimum seniority of 13 months. To do so, they must present their last original contract and/or addendum(s) or certified copy(s) thereof.
• CAS workers whose employment entry date is prior to March 10, 2021, will not be able to demand this requirement.

Banco de la Nación loan: how to access it?

Before applying for this loan from National bankyou need to undergo a credit assessment. To do so, simply contact the official WhatsApp number provided by the entity: 942 896 863. After that, follow these steps:

• Send a message to the WhatsApp number 942 896 863 with your ID number to check the availability of the credit product for you. If you do not meet the requirements, unfortunately you will not be able to continue with the process.
• If you have been prequalified, go to the Banco de la Nación branch closest to your residence, whether in Metropolitan Lima or in the Provinces, during the corresponding business hours.
• Provide the required documents to the bank’s customer service staff to carry out the credit assessment. Based on this, you will be able to opt for a loan with a specific amount and term.
• If your application is accepted, the amount will be transferred directly to your savings account at Banco de la Nación. The staff will also provide you with a list of contractual documents that you must sign. If you require additional information about the loan, you can call the toll-free number 0 800 1 0700 or send an email to miprestamomultired@bn.com.pe.

What are the benefits of the Banco de la Nación Multired Loan?

• It is a freely available loan.
• It is aimed at retirees and state workers, appointed and contracted, who receive their monthly salaries at the Banco de la Nación.
• It offers payment terms of up to 60 months.
• The loan can be requested without a guarantor, depending on the credit evaluation.
• Monthly fees can be paid automatically from the savings account.
• The loan renewal is carried out by paying 5% of the capital of the current loan.
• The promotional APR is valid from July 16 to July 31.