Banco de la Nación provides S/99.999 with competitive interest rate and flexible deadlines in Peru: What are the credit requirements?

In Peru, the Bank of the Nation provides credits that reach amounts close to S/100,000, with attractive interest rates and amortization deadlines that can extend up to 25 years. For this reason, it is essential to inform yourself about the requirements and age limitations necessary to access this financing option.

The Bank of the Nation establishes a specific profile of beneficiaries For their new loan, which implies that not all citizens have the possibility to apply. In addition, it is essential that those interested undergo a process of Credit evaluation Before accessing the funds. Next, we tell you more details about this credit.

What characteristics does the Bank of the Nation loan present?

The Bank of the Nation has launched an offer of loans that reaches up to S/99.999, aimed at a specific group of Peruvian workers. The transfer of the amount is carried out automatically for those who already have an account in the entity. Next, the main benefits offered by this credit are detailed.

• Access the renovation of the loan with a payment 5% of the capital of the current loan.
• Pay monthly installments charged to the savings account automatically.
• Request the grace period (without amortization nor interest payment) in the months of April and December.
• Request the Loan without guaranteeaccording to credit evaluation.
• Access to installments up to 72 months, according to credit evaluation (the term up to 72 months apply only for personnel appointed or hired in an indeterminate term).
• TCEA From 14.61% calculated for a 12.99% ASD.

What are the requirements of the Bank of the Nation?

The Bank of the Nation offers a loan aimed at active workers and pensioners of the Public Sectoras well as those who receive their payments through this entity. Employees are also included under the administrative service contract regime (Cas), Those who can access this financing provided that they meet the established requirements. Among the additional conditions are:

1. BN debit card.
2. Original of the National Identity Document (DNI), or original and copy of the foreigner card.
3. Original and copy (or virtual ballot) of the last payment ticket, whose maximum accepted age is 4 months.
4. Have qualification “Normal, not defined or not reported” at the Risk Central of the Superintendence of Banking and Insurance.

How to access the Bank of the Nation loan?

To verify the availability of a credit product, it is necessary to send a message to the WhatsApp 966216942. It is essential to include the number of DNI In the consultation, since without this information, you cannot advance in the process.

Second, if the applicant has been prequalified, he must go to the agency of the closest Nation Bank, either in Metropolitan Lima or in other provinces, within the established care hours.

To obtain a loan, it is essential to present the documentation requested from the bank’s care personnel. This process is crucial, since it allows the credit evaluation, which will determine whether the established requirements are met. By exceeding this phase, the applicant may choose a loan that adapts to a specific amount and term.

Once the application is approved, the amount assigned will be deposited directly in the savings account of the Bank of the Nation. In addition, the team in charge will deliver a list of contractual documents that must be signed.