Banco de la Nación offers a mortgage loan with the rates more competitive in the current market. East financing It is used to buy a finished house, under construction or to transfer a mortgage debt. The payment term is for up to 25 years and up to 90% of the property value is covered.
They access this loan a homebuying los state workers appointed and hired on a permanent basis. Similarly, the public sector retirees who have savings accounts at the Banco de la Nación and qualify as credit subjects. Currently, the financial institution grants annual rates between 5.99% and 7.25% for these loans.
What do you need to access a mortgage loan?
Look at some basic requirements for getting a mortgage loan National Bank.
- For active workers, have a minimum of one year’s seniority.
- Have a deposit account at the Banco de la Nación and record at least six payments.
- Obtain a “normal” rating from the credit office of the Superintendence of Banks, Insurance and AFP (SBS).
- Proof of a minimum monthly income of S/800.
- The credit holder must not have debts with more than four entities of the financial system.
For this type of loan, Banco de la Nación does not require a guarantor, since the property purchased serves as collateral after the customer has granted mutual first and preferential in favor of the institution. This credit is valid for finance housing for the second use, provided that it is registered in the public registers without encumbrances or encumbrances.
Which bank offers the best mortgage loan in Peru?
The National Bank offers an effective annual rate (YOU) between 5.99% and 7.25%, making it the most competitive on the market. The SSBthrough its platform Cost and yield of financial productsindicates that mortgage rates vary between 8.20% and 87.91% in banks, municipal funds and finance companies.
In that line, Interbank offer one YOU minimum of 8.20% for a mortgage loan of S/240,000 for 15 years. On the opposite side, the loan of My bank it reaches 87.91% per annum for the same product.
Interbank (8.40%), followed by GNB Bank (9.00%) a Financial credit (10%) are the institutions that offer the cheapest minimum TEA for a loan of S/120,000 for 15 years. Conversely, the highest maximum TEA for that credit is My bank (87.91%), followed by Piura box (26.82%), Edpyme Micasita (25%), Financial rich (17.5%) and Financiera Crediscotia (17%).
