Loans at Banco de la Nación: 8 requirements to access a mortgage loan of 200 thousand soles

Opportunity a mortgage credit It can be an important step on the way to owning your own home. In a case A national banka nationally recognized financial organization, the ability to obtain a mortgage loan of 200 thousand soles can be an important incentive for those who want to realize the dream of ownership.

In the following note, find out about all the requirements that you must meet in order to have access to this important benefit.

WHAT ARE THE 8 REQUIREMENTS TO ACCESS A MORTGAGE LOAN OF 200 THOUSAND SOLS?

According to the information shared on the Banco de la Nación website, those who wish to access a mortgage loan through this financial institution must meet the following requirements:

The client:

• Visa Multired Debit Card currently active.
• Provide original ID of owner and spouse.
• Last 2 pay slips of the holder (employee or pensioner) and the last 6 of the spouse, original and copy, or print in case of virtual slips.
• Last utility bill (water, electricity or landline), original and copy.
• Confirmation of employment (active employees) or Resolution of termination (pensioners) of the owner or spouse, original and copy.
• A certified copy of the marriage certificate issued by the municipality.
• Documents that support the monthly installments (account statements, payment schedule, etc.) to maintain current credits in other financial units, original and copy.
• Supporting documentation of other income, if nominated for credit assessment, to increase your borrowing and repayment capacity.

Of the property

• The original Real Estate Registration Certificate (CRI) issued by Sunarp, which is not older than 30 days from the date of issue. In terms of areas, also ask for a literal copy of the building issued by Sunarp.
• Self Valuation Certificate, Municipal Property (PU) and Municipal Summary Sheet (HR), original or copy legalized by a Notary Public.
• Proof of payment of the deferred Property Tax for the entire current year, original or legal copy by a Notary Public.

It is important to clarify that Banco de la Nación reserves the right to ask for more documents, if it considers it necessary.

How to access BANCO DE LA NACIÓN credit cards

To access Banco de la Nación credit cards, citizens must meet certain requirements that ensure that the credit is possible.

These requirements include being a designated employee or an indefinite-term employee in the public sector, receiving income from the Banco de la Nación, belonging to an organization with an institutional agreement with the bank, with a valid DNI or immigration card and your credit card. . Active MultiNetwork.

Once the requirements are met, interested parties can request these cards at the Banco de la Nación branches or through the bank’s WhatsApp. The cards offer flexibility by allowing purchases in millions of physical and virtual establishments, cash withdrawals in over 900 automated channels, 14,000 MultiRed agents and all networked ATMs Mastercard.

In addition, they provide security using a secret key, access to special promotions and the ability to request up to four additional cards for free.

A special advantage of these cards is their international use, since they are activated for transactions outside the country.

However, customers should inform the bank of their travel plans to ensure seamless access to their funds in multiple international locations, thereby increasing the security and convenience of their global transactions.

IS THE NATIONAL BANK

he is A national bank is a public law company, a member of the Department of Economy and Finance, which operates with economic, financial and administrative autonomy. The Bank has its own assets of indefinite duration.

he is Banco It is governed by its Statute, by the State Business Activity Law and in addition by the General Law of Banking, Financial and Insurance Institutions.

It is a subject Banco manage by delegation the sub-accounts of the Public Finance Department and provide banking services to the Central Government for the administration of public funds.

When the Ministry of Economy and Finance requires it and authorizes it within the framework of the operation of the National Finance System, the Bank acts as the financial agent of the State, servicing external public debt and operations foreign trade.

Likewise, it collects taxes and pays, without this only, on behalf of the Public Finance Department or when there are agreements with tax administration agencies.

On January 27, 1966, the Congress of the Republic approved Law 16000, which created the A national bank. Days later, the Executive Branch, under the signature of the President of the Republic, Fernando Belaunde Terry, will implement it, thus ending a long process whose ancient history goes back to the 19th century, but only from 1914, the concern was created. A bank that mediates operational, economic and financial activity.

he is A national bank What preceded it goes back to 1905, during the government of Mr. José Pardo, in which the Investment and Transportation Fund was created through Law No. 53 of 02/11/05. This Institute expanded its activities in 1927 when it was charged through Law 5746 with the administration of the Tobacco and Opium Estanco, as well as the collection of the country’s revenue, alcohol duties and taxes, national defense and others. Finally, in December of the same year, he was responsible for collecting all the revenues of the entire Republic.

Supreme Command No. 47, on August 9, 1963, nationalizing the Deposit and Transfer Fund, citing public need and convenience. Through this mechanism, the functions of collecting tax revenue and holding administrative and legal deposits are transferred back to the State. Such nationalization was done when the Caja had ten banks among its shareholders: Crédito, Popular, Internacional, Wiese, Comercial, Continental, Gibson, De Lima, Unión and Progreso.

WHAT’S IN THE MORTGAGE

A mortgage loan is a type of long-term financing that is used to acquire real estate, especially homes. It works through an agreement between a borrower and a financial institution, where the latter provides a certain amount of money to the borrower, who in turn offers property as collateral for the loan. This property becomes mortgage collateral, which means that if the borrower fails to make the agreed payments, the financial institution has the right to take possession of the property to recover the proceeds. get a loan back.

Mortgage loans usually have long terms, which can vary from several years to several decades, depending on the terms of the contract and the legislation in force in each country. In addition, these loans are usually backed by an interest rate, which can be fixed or variable, and are repaid through regular installments that including a portion of the principal borrowed and accrued interest.

One of the special features of mortgage loans is that they allow people to acquire properties without having to pay the entire purchase amount at once. This makes it an affordable option for those who want to become homeowners but do not have the financial resources to do so right away. However, it is important to remember that there may be some risks associated with mortgage loans, such as the possibility of losing the property if they are not paid.