The new line of credit for the home from Banco Provincia del Neuquén (BPN) andIt has a release date. The Government of Neuquén reported that It will be available from May 27. They also reported the requirements and how those interested can register. The loan must be used for the purchase of a home, renovation and/or construction.
An important novelty to note is that the procedure is carried out only through the bank’s website. From Monday the 27th, a form where each client can enter the required data to start the credit application process. After the corresponding credit analysis, the entity will be contacted to continue the process.
It is important to note that The bank will never ask for sensitive data such as credit card numbers, usernames or passwords of any kind. The form is only found on the bank’s official website, It will not be replicated on networks or any other platform.
What are the lines of credit for your own home offered by the BPN of Neuquén?
Mortgage loans are intended to unique and permanent occupancy homes, both for purchase and construction. In the latter case, the work must be carried out on its own land and free of occupation. He The amortization period will be 20 years and up to 80% can be financed in the case of acquisition and purchase and 100%. For the construction.
From the provincial Executive, they indicated that the first of the lines of mortgage credits It will be up to 50 million pesos. To access this amount, you must have income of 890 thousand pesos and an initial fee of 300 thousand pesos will be paid. The credits They will have a UVA rate plus 3.5% for bank clients with a product package, and UVA plus 4.5% for the rest of the cases. There will be a grace period of 12 months for the capital payment and the stipulated work time is 12 months.
The second of the lines It will be up to 100 million pesos. To access this amount, you must have income of 2,700,000 pesos and an initial fee of 940 thousand pesos will be paid. For rates The UVA methodology is contemplated, in addition to an additional 8.5% for bank clients with a product package and 9.5% for the rest of the cases. The grace period and the work period will be the same as in the other line.
Lines of credit for your own home from the BPN of Neuquén: who can access
They will be able to access workers in a dependency relationship, contracted, self-employed and monotributistas; retirees and pensioners. The value of the fee may not exceed 35% of the calculated net income and the debt that the user has in the BPN and the rest of the financial system will be accounted for.
Finally, there will be financing for expansion, renovation and completion of housing. It will be through the personal loan modality through the usual channels, with a term of up to 72 months and a maximum amount of 15 million pesos. The interest rates will be 40% for those who have accreditation of earnings in the BPN and 50% for those who do not.
