Those interested should visit a bank agency and present the corresponding documentation for the evaluation. Once approved, the debt will be paid directly from the account of the Bank of the Nation.
The Bank of the Nation provides loans that allow Peruvian citizens to unify their debts in a single obligation, with amounts that reach up to S/50,000 and deadlines of up to 60 months. To access this benefit, the banking entity performs a Credit evaluation To applicants, which determines both the amount of the loan and the payment conditions.
In addition, a financing modality is offered that allows monthly payments through quotas with established dates and making an early payment, whether total or partial. This loan presents an annual effective rate (TORCH) set 9.9% and an annual effective cost rate (TCEA) that starts at 11.48%. Next, more relevant aspects about this financing alternative are detailed.
What are the requirements to access the loan purchase of debts from the Bank of the Nation?
It is possible to access this loan only once if you qualification It is “normal” or presents “potential problems” at the Risk Center of the Superintendence of Banking and Insurance (SBS). However, for any subsequent operation, it will be necessary to maintain a “normal” rating. To access these options, those interested must meet these requirements:
- Bn debit card.
- Original ID or foreign, original and copy card.
- Original and copy (or virtual ballot) of the last Payment ballot (for worker or pensioner), with seniority not exceeding 4 months.
- For CAS workers whose labor income date is 03/10/2021 onwards, they must additionally submit their last original contract and addendes or copies federed thereof. Documents must demonstrate a minimum labor of 13 months.
- Documents that support the monthly fee that you cancel, so that it is included in the evaluation of the ability to pay and the transfer of the same.
Source: Bank of the Nation
What are the documents required by the Bank of the Nation to provide the loan purchase of debts?
How to request the loan for the purchase of debts from the Bank of the Nation?
First, the user must go to the agency of the Bank of the Nation closest to his residence, either in Metropolitan Lima or in other provinces, during the established care hours.
Second, it is essential that the Documents required to the bank’s care personnel, who will be responsible for carrying out the credit evaluation. Once you meet this process, you can opt for a specific amount and a certain period for the requested financing.
Once the application receives approval, the corresponding amount will be deposited directly in the savings account In the Bank of the Nation. From that moment on, the bank will begin the debt payment process, either through electronic transfers or through management checks. Likewise, the bank staff will provide a list of contractual documents that will be necessary to sign to formalize the procedure.
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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.
