Personal finance: where, how and what should I consider when applying for a loan

In life, due to different circumstances, our personal finances can get messy and we end up beholden to different entities, such as banks, mortgages, car loans, the purchase of household appliances, among others. This has surely led you to be reported as an overdue customer in Infocorp and you no longer have access to the new cards. However, there are ways out of all of this.

One of the options is through Prestamypea lending fintech that grants you from 20,000 to 600,000 soles through its various services. There are other entities and these will help you clean up your credit history, improve your financial situation and access a flexible payment schedule.

Keep in mind that having no credit history or being reported negatively in Infocorp It will not be decisive in the risk assessment in these cases. In addition, these loans are ideal for people who have more debt in the traditional banking sector and who pay very high interest rates. How do I do it and what requirements do I have to meet? We tell you in the following note.

You have several formats to settle debts, but in this case we will explain and detail how to access a Mortgage Loan and Debt Reconciliation Loans.

With the help of home equity loan, you can access the following benefits and get your finances in order. The most important requirement is to have a property duly registered with SUNARP, located in Lima. Metropolitan, Callao or Metropolitan of Arequipa and free from legal issues that affect your loan application such as fines, liens or assignments in the municipality or public records.

Benefits:

– Disbursements from S/20 thousand to S/600 thousand in less than 10 days.

– A monthly effective cost rate from 1.35% which already includes administrative, expertise and expert fees.

– Payment terms up to 4 years renewable.

– 3 payment schemes.

Until February 28, you can access a promotion that gives you a 10% discount on the interest rate, i.e. you can pay 1.21% per month. enter here To be assessed.

Requirements

– Have a property registered in SUNARP in Lima or Callao

– Updated literal copy of property

– Summary Sheet (HR) and Urban Land (PU) of the property.

– Copy of the identity document of the owners of the property.

– Copy of the property’s electricity or water receipt.

– Copy of the applicant’s identity document.

– Income support for the applicant’s last 3 months.

It is ready allows you to unify all debts into one; i.e. credit cards, personal, auto or other loans to pay just one. With debt consolidation you will be able to access a comfortable and low interest rate compared to the sum of all the rates you are currently paying. With this type of loan, you will be able to save on interest payments and, above all, get your finances in order.

How it works?

The person concerned may use his property as support for his request. On the date of disbursement, the customer may use all the capital borrowed to pay his debts, therefore, only the credit in progress with Prestamype will remain at a lower interest rate.

Benefits

Consolidating your debts will not only lower the interest rate you paid, but also avoid accumulating commission payments, lien insurance, and interest caused by non-payments. By unifying all your debts into one, you will no longer have to go to two or three financial institutions, you will stop paying the default interest rate and you will access a loan with a lower interest rate.

Requirements:

– Identity document (DNI).

– Have a property registered in Sunarp and located at Metropolitan Lima, Callao or Arequipa serve as collateral.

– Proof of income.

If you meet these conditions, you can find out if you are pre-qualified for a debt consolidation loan with mortgage security, here.