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Tag: debts

How much of your salary should you allocate to buy your house and NOT get into debt?

How much of your salary should you allocate to buy your house and NOT get into debt? How much of your salary should you allocate to buy your house and NOT get into debt?

On the journey of acquiring a living place own, many Peruvians choose to apply for a mortgage loan to be able to finance their property. Buying a home is a monumental step in the lives of most citizens, but to ensure stability and avoid financial distress, it is essential to understand how much of our […]

How do I know if I have debts in my name and only with ID? Official link

How do I know if I have debts in my name and only with ID? Official link How do I know if I have debts in my name and only with ID?  Official link

A previous study by the Universidad del Pacífico indicated that more than 8.5 million Peruvians do not pay their debts on time. Therefore, in the following note you will be able to know if you have any outstanding debt. Join the WhatsApp channel Are debts inherited or canceled in Peru? Look what the law says […]

Are debts inherited or canceled in Peru? Know how much you should pay

Are debts inherited or canceled in Peru? Know how much you should pay Are debts inherited or canceled in Peru?  Know how much you should pay

According to the Peruvian Civil Code, the debts of a deceased are transmitted to the heirs, although in a limited manner. In Peru, the heirs assume both the assets and the debts of the deceased, but they are obliged to cover the latter only up to the value limit of the inherited assets. This implies […]

With how many days of delinquency do banks classify the debtor as having “potential problems”, according to the SBS?

With how many days of delinquency do banks classify the debtor as having “potential problems”, according to the SBS? With how many days of delinquency do banks classify the debtor as having “potential problems”, according to the SBS?

The Superintendency of Banking, Insurance and AFP (SBS) plays a crucial role in overseeing the Peruvian financial system by ensuring that financial entities maintain healthy and transparent practices. One of its most important tools is the SBS Debt Reporta document that reflects your credit history monthly and helps you maintain control over your financial health. […]

3 steps to check if you have DEBT in your name: it’s free and you only need ID

3 steps to check if you have DEBT in your name: it’s free and you only need ID 3 steps to check if you have DEBT in your name: it’s free and you only need ID

In a world where the use of credit is common and can open many doors, maintaining a clean credit history is of utmost importance. That is why you should review your debt report, using only your credit number. ID, It is presented as a fundamental step to guarantee your financial stability. Thanks to the digitization […]

Can I get a loan if I continue to appear on Infocorp even though I have already paid my debts?

Can I get a loan if I continue to appear on Infocorp even though I have already paid my debts? Can I get a loan if I continue to appear on Infocorp even though I have already paid my debts?

All the people who are part of the financial system appear in Infocorp. If you are up to date with your debt payments, then you will have a positive rating, but if, on the other hand, you have not done so, you will appear on the blacklist and it will be very difficult for a […]

Can I inherit my parents’ debts? Find out what happens after death

Can I inherit my parents’ debts? Find out what happens after death Can I inherit my parents’ debts?  Find out what happens after death

In the midst of a recession, delays and failure pay debts due to lack of resources are understandable. Therefore, it is not surprising that delinquency on credit and consumer cards has increased to 6.02% and 3.90% (the highest rates recorded since July 2021), respectively, according to data from the Superintendency of Banking and Insurance (SBS). […]

If a person dies, who assumes their debts in the bank?

If a person dies, who assumes their debts in the bank? If a person dies, who assumes their debts in the bank?

When you apply for a loan from the bank—whether it be a vehicle, mortgage, or consumer loan—the financial institution suggests that you take out credit life insurance in case you die. In this way, your heirs will not have to be responsible for paying the debt, as explained by the Superintendence of Banking, Insurance and […]

If my parents die and they had debts, do I inherit them?

If my parents die and they had debts, do I inherit them? If my parents die and they had debts, do I inherit them?

Facing the death of a family member is a painful process; concerns increase if that loved one had debts with the bank. You wonder if it is possible that now you have to be responsible for the payment to the banking entities. According to the Superintendency of Banking, Insurance and AFP (SBS), the answer to […]

Repro AFP III: they make official the law for entities to pay debts to the AFPs

Repro AFP III: they make official the law for entities to pay debts to the AFPs Repro AFP III: they make official the law for entities to pay debts to the AFPs

He Congress of the republic made official the law that establishes the regime for rescheduling the payment of pension contributions to the pension funds of the private system of administration of pension funds owed by public entities (REPRO AFP III), accrued until December 31, 2022, which were not canceled at the time. The Law No. […]

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