The Bank of the Nation presents options for credit that reach amounts close to S/100,000, with attractive interest rates and flexible deadlines that can extend up to 72 months. For this reason, it is essential to inform yourself about the requirements and limitations of the age necessary to access this alternative of financing.
The Bank of the Nation establishes a specific profile of beneficiaries for its loanwhich implies that not all citizens have the possibility to apply. In addition, it is essential that those interested undergo a credit evaluation process to access the funds. Next, we tell you more details about this source of financing.
What does the Bank of the Nation loan offer?
The Bank of the Nation delivers loans that amount to S/99,999 in Peru. The transfer of the amount is automatically carried out for those applicants who already have an account in the entity. Next, the main ones are detailed benefits which offers this credit.
- Access the loan renewal paying 5% of the capital of the current loan.
- Pay quotas monthly charged to the savings account automatically.
- Request the grace period (without amortization or interest payment) in the months of April and December.
- Request the Loan without guaranteeaccording to credit evaluation.
- Access to the deadlines up to 72 months, according to credit evaluation (the period of up to 72 months applies only for personnel appointed or hired in an indeterminate term).
- Annual effective cost rate (TCEA) From 14.61% calculated for an annual effective rate (TORCH) of 12.99%.
What are the loan requirements?
The loan is aimed at active workers and pensioners of the public sector, as well as those who receive their payments through this entity. Employees are also included under the regime of Administrative Services Contract (CAS), who can access this financing provided they meet the established requirements. Among the additional conditions are:
- Card debit Bn.
- Original of the National Identity Document (DNI), or original and copy of the foreigner card.
- Original and copy (or virtual ballot) of the last Payment ballotwhose maximum accepted age is 4 months.
- Have “normal, not defined or not reported” in the risk center of the Banking and Insurance Superintendence.
How to request credit?
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. Be sure to meet all the established requirements to facilitate management.
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.
At the headquarters, the documentation requested from the bank. This procedure 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 assigned amount 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.
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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.
