Home » Business » Who accesses the personal loan of up to $40,000,000 to be paid in 60 months and how to request it

Who accesses the personal loan of up to $40,000,000 to be paid in 60 months and how to request it

Los personal loans They are a financial option that allows people to access funds for various purposes, such as covering unforeseen events, consolidating debts or acquiring high-cost goods.

He BBVA bank, banco Macro y Nation Bank They offer loans whose amounts and payment terms are already defined in October 2024.

The loan of up to $40,000,000 from BBVA bank

He BBVA bank offers a loan of up to $40.000.000 payable in 60 months, designed for employees in a dependency relationship or independent workers between 18 and 74 years old who are clients of the entity, with minimum income from $271,571.22 and an Annual Nominal Rate (TNA) of the 75% and an Annual Effective Rate (TEA) of the 106,99%.

Los requirements To apply for the credit they are:

  • Age: between 18 and 74 years old.
  • Job seniority: Dependency relationship with accreditation of earnings at BBVA: 3 months. Dependency relationship without proof of earnings at BBVA: 1 year. Independent professionals: 1 year of experience in the current profession. Independent merchants and self-employed workers: 2 years of experience in the current activity.
  • Income: Plan Sueldo – Clients / Banked clients: all regions $271,571.22. Non-customers / Unbanked: all regions $271,571.22.
  • Fee-income ratio: 30%.

Features:

  • Bowl: fixed rate with French amortization system.
  • Term: Minimum: 6 months. Maximum: 60 months.
  • Funding limits: Minimum amount: $1,000. Maximum amount: $40,000,000.

Read also: Loans suitable for retirees up to $25,000,000: market options in October 2024

The loan of up to $32,000,000 from Macro Bank

He Banco Macro confirmed a credit of up to $32.000.000 in October 2024, payable within a maximum period of 60 monthsaimed at clients in dependency relationship that they credit their assets in the bank and retired or pensioners.

If you take it out over 60 months, the Annual Nominal Rate (TNA) will be from 80%while the Annual Effective Rate (TEA) will be from 116.94% and the CFTEA with VAT of the 153.69%.

To request this loan it is necessary to follow the following steps:

  • I gathered the necessary documentation: prepare your National Identity Document (DAYS).
  • Assessment of payment capacity: calculate your formal income or yours guarantees to determine the maximum amount you can request.
  • Online application: visit him Macro Bank website to make the request.
  • Wait for approval– Once you have submitted your application, the bank will review your case. This process can take a few days. The financial institution will inform you about whether or not to approve the loan and the steps to follow.
  • Signing of the contract and disbursement of funds: If your application is approved, you will have to sign a contract so that the bank can then proceed to disburse the funds, which you can use according to your needs.

And have the following documents:

  • DAYS / civic notebook / Enrollment booklet.
  • Proof of CUIL.
  • Certification or address verification (receipts or service summaries in your name).
  • Demonstration of income.

The documentation for prove your income It varies depending on your work situation:

  • If you work as an employee and have a fixed income: last salary receipt.
  • If you work in a dependent relationship, with variable income: the last 6 (six) salary receipts.
  • If you are a monotributista: online proof from the AFIP or forms 158 and 184 F, plus the last 3 (three) monotax payment certificates.
  • If you work autonomous:
  • Income certification signed by a public accountant and certified by the Professional Council of Economic Sciences (you can replace it with the last Affidavit of Income Tax, with the corresponding proof of payment.;
  • Online registration form in the AFIP or form 460 F
  • Latest 3 (three) payments of retirement contributions.

Also read: Personal loans of up to $20,000,000: what are the options in October 2024

The loan from Banco Nación of up to $25,000,000

Banco Nación offers a loan of up to $25,000,000 to be paid in 60 months for people in a dependency relationship that they perceive their assets in the entitythrough accreditation by the National Payment System.

The maximum credit amount cannot exceed 35% of monthly net income. The percentage of impact will be made based on the first loan installment calculated for 30 days. Other debts that the applicant may have in the BNA or other financial entities are also taken into account, which ensures the sustainability of the payment.

Regarding costs, the loan has an Annual Nominal Rate (TNA) by 52%an Annual Effective Rate (TEA) of the 66,37% and a Total Financial Cost expressed in TEA (CFT TEA) of the 84,64%.

To ask for credit of up to $25,000,000 from Banco Nación, it is necessary to follow the following steps:

  • Log in to BNA+ in the “Your Bank” section through the app or website.
  • Select the “Loans” option and click on the “+” sign.
  • I chose the loan Plan Sueldo of $25,000,000specify the desired amount, destination and number of installments.
  • Validate all entered data to make sure they are correct.
  • Confirm and send your request to finish the process and wait for approval.

For their part, the requirements are the following:

  • human people whose age at the end of the loan does not exceed the age expected to qualify for the retirement regime.
  • Employees who receive their salaries through a salary payment agreement with Banco Nación.
  • Hired in a dependency relationship and hired by location of services who receive their fees through an account opened at Banco Nación.
  • People who receive their salaries through accreditation through the National Payment System.
  • All applicants must expressly agree that the loan fee will be automatically debit of the account enabled for the collection of their salaries.

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