The demand for mortgage loans in Caja Piura in 2021 grew 46.15% and achieved more than S / 55 million in a total of 1,064 disbursements, according to Liliana Lescano Albán, Head of Products of the financial institution.
According to the executive, this year the company plans to place S/100 million for the same concept, which is equivalent to an increase of 35.9% compared to last year.
On the other hand, Lezcano Albán specifies that during 2021 the loans were requested mainly in the regions of Piura, Lambayeque and Lima.
Profile of the users of a mortgage loan
Regarding the profile of the user of a mortgage loan, a study by Caja Piura revealed that the majority of them are men, between 30 and 50 years old, who request these types of loans.
In this regard, Lescano highlights that clients usually have dependent income. In addition, they prioritize the comparison of interest rates for this type of product.
The expert indicated that, to calculate the monthly payment to pay a loan of this type, it is recommended that it does not exceed 30% of income. “The longer the term to cancel, the lower the fee; however, the total sum to be paid will be higher. Therefore, it is good to request a simulation of the loan, ”she pointed out.
Kingston is an accomplished author and journalist, known for his in-depth and engaging writing on sports. He currently works as a writer at 247 News Agency, where he has established himself as a respected voice in the sports industry.