We know how tedious it can be to apply for a loan in banking entities whose processes are extensive and slow, this is often due to the number of requirements that a person must meet in order to access a financial product. Although it is true, the requirements vary depending on the type of loan you acquire, however, there are two that are important requirements in most of them:
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- Credit history: Before granting a loan, traditional financial companies evaluate your credit history to ensure that it is positive and that you are not reported in risk centers such as Infocorp. On the other hand, it is important to note that if you are looking for a loan for a company, your credit history must be much more extensive. Keep in mind that to build a solid credit history, it is important that you have good financial behavior.
- Economic capacity: The banking entities have to analyze your movements to determine if you have sufficient economic capacity to pay your monthly installments, interest, commissions and other additional charges on your debt.
Without the necessary support to guarantee that you have good financial behavior and sufficient economic capacity to assume your financial obligations, it is almost impossible to access this type of product. However, in Peru, you can find financial entities that, despite not being traditional, are registered in the Superintendence of Banking and Insurance (SBS) which guarantees you that they are formal companies that carry out all security protocols, for example, Prestamypea Peruvian fintech that provides financial services through technology and that to date has already provided financing to thousands of people and companies through its home equity loans, through which you can access amounts from S/ 20 thousand to S/ 1 million, at an interest rate from 21% that already includes appraisal, notary and registry expenses. In addition, this company gives you access to the loan in a period of approximately 15 days after the delivery of documents and gives you the freedom to choose a payment schedule tailored to your needs that allows you to pay monthly installments, only interest or amortize the total amount of your debt at the end of the loan, putting at your disposal the support of advisors who will guide you throughout the process.
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Prestamype cares about the growth of its customers and for that reason it does not require impossible requirements to meet to access its home equity loansthen we tell you what you need to acquire this product:
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The most important requirement that you must meet to obtain your home equity loan is to have a property registered in the National Superintendence of Public Registries (SUNARP), located in Metropolitan Lima or Callao and that is also free of fines, liens or affectations in public records or the municipality.
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Do not let the number of requirements that banks require of you prevent you from applying for the loan you need so much. Instead, go to Prestamypeaccess your loan with mortgage guarantee and begin to enjoy excellent conditions and great benefits.
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What are you waiting for? Pre-qualify HERE
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