Public workers: how to access a mortgage loan | Bank of the Nation | Requirements | Peru | nnda-nnlt | YOUR MONEY

Lima, 12/05/2022 05:48 p.m.

Do you want to fulfill your dream of own house? Are you afraid that the rate will be very high? The Banco de la Nación has started a campaign to grant mortgage credits from the second semester of 2022 to state workers. Here we tell you all the requirements and details.

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The state entity indicated that it intends to provide greater access to housing and explained that it will grant mortgage loans with the Mivivienda Fund with its own funds.

“We are closing an alliance with the Mivivienda Fund to be able to deliver these loans”pointed out the head of the mortgage credit section of the financial entity, Piero Flores, to Andean Channel Online. Learn regarding the requirements you must meet to pass the evaluation:

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WHICH ARE THE REQUIREMENTS?

In order to apply you must meet the following criteria:

• Being an appointed public worker, with an indefinite-term contract or a pensioner with a savings account in the Banco de la Nación for the deposit of their income.S
• • One year of seniority.
• • Receive monthly income greater than 800 soles.
• • Be between 18 and 65 years of age.

IF MY SPOUSE DOES NOT WORK IN THE PUBLIC SECTOR, WILL I GET THE CREDIT?

The mortgage loan can be granted individually or jointly, and it is not a requirement that the spouse also be a public sector worker.

WHAT IS THE PREFERENTIAL RATE?

State workers, as well as in the case of “front line” workers (Armed Forces, National Police, Education and Health sectors) will be able to access a fixed annual effective interest rate (TEA) of 5.5% and a special TCEA for any form of mortgage credit: purchase or improvement, expansion and/or remodeling of housing.

Banco de la Nación is also promoting a strong mortgage debt transfer campaign for the entire public sector with an annual TEA of 5.5%, a special TCEA, and a term of up to 25 years.

One of the most important economic decisions in a person’s life is to buy a home because they have to analyze the pros and cons, the terms, the interest rate and the amount of the mortgage loan installments to be paid. (Photo: Andean)

WHERE WILL THE MORTGAGE CREDIT BE APPLIED FOR?

It can be done through the following channels:

• At any branch of Banco de la Nación from Monday to Friday from 8:00 a.m. to 5:00 p.m. and on Saturdays from 9:00 a.m. to 1:00 p.m.

• In the Web page: www.bn.com.pe

• By email: [email protected]

• On WhatsApp: [phone]