The Bank of the Nation has determined clear criteria for workers and pensioners in Peru to request Mortgage credits In 2025. The requirements required and the maximum age allowed to access this type of loan are required.
Mortgage credits play a fundamental role for those who wish to remodel their home or buy a new property. This type of financing It offers deadlines of up to 25 years for payment, which makes it a very attractive alternative for numerous Peruvian citizens.
What is the limit age to request a mortgage loan at the Bank of the Nation?
The Bank of the Nation indicates that the Maximum age To access a mortgage loan is 74 years. In addition, this restriction applies to public workers appointed, employees with indeterminate term contracts and pensioners of the ONP. On the other hand, the minimum age to request this loan is 18 years, which expands opportunities for various users to take advantage of this financial alternative.
The establishment of a limit of age Its objective is to ensure that applicants are able to comply with the payment terms, which can reach up to 25 years. Thus, workers and pensioners with less than 74 years who meet the established requirements have this alternative to improve their home or acquire a new property.
What are the characteristics of the mortgage credit of the Bank of the Nation?
The Bank of the Nation presents a mortgage loan that allows to finance up to S/100,000, which covers 90% of the housing value. This option is valid for both the acquisition and for the purchase of a well -finished good, a future good, improvement, expansion and/or housing remodeling, or the transfer of mortgage debt.
The credit offered stands out for its interest rates competitive, with an annual effective cost rate (TCEA) In an approximate range of 8.49% and 8.70%, as well as flexible deadlines that can reach up to 10 years, so it becomes an attractive alternative for those who wish to invest in real estate.
The Bank of the Nation focuses on making a Credit evaluation exhaustive, which ensures that applicants have the necessary payment capacity. This strategy allows you to adapt the monthly fees to the income of each individual. Also, the disbursement is made in two moments of 50% each.
What are the requirements to access the mortgage loan of the Bank of the Nation?
To obtain a mortgage loan in the Bank of the Nation, it is essential to meet certain requirements. Next, the essential documents that must be submitted are listed:
- Multired Visa Active and original DNI card of the owner and spouse.
- Payment tickets: two last two and six of the spouse (If apply)original or copies.
- SERVICE RECEIPT (water, light or landline)original and copy.
- Proof of appointment (active workers) or cessation resolution (pensioners)original and copy.
- Certified marriage certificate, if married.
- Documents that support the credits in force in other financial institutions.
- Real Estate Certificate (CRI) of the property, issued by SUNARP.
- Proof of the Property Tax of the current year.
Source: Larepublica
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