Take note! If you have doubts or want to verify if you have debts, learn in this note how to do it for free and only with your ID. Join the WhatsApp channel Currently, the economic situation of Peruvian families is a worrying reality. Many choose to apply for loans from banks or savings banks, […]
Tag: debts
Follow these 6 tips to use your credit card correctly and not get into debt in the attempt
More and more Peruvians use Credit cards. At the end of 2023, six out of ten Peruvians used this means of payment in their massive purchases and more than six million were issued by the banking system. According to the Central Reserve Bank of Peru (BCR), the Credit card loans increased last year by 10.4% […]
If I withdraw my CTS and have debts from 2023, can the bank keep my money?
The Compensation for Time of Service (CTS) It is a benefit granted to workers during their time of activity, designed to provide financial support in the event of termination of employment. With the free disposal of these funds launched on Monday, May 27, thousands of Peruvians can now withdraw part or all of the savings […]
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
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
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?
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
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?
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
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). […]