When a Peruvian citizen turns eighteen years old, their credit history begins to be analyzed by the major risk centers in Peru. Infocorp, Sentinel, or the Superintendency of Banking and Insurance (SBS) are some of the entities responsible for evaluating whether a person is suitable for a loan.
Why do they do this? To determine which person can be granted a loan through a financial institution. If you have ever requested a loan and were unable to pay it on time, you can be sure that you are included in Infocorp's "blacklist." However, all hope is not lost if you still want to have credit.
While banks will NOT approve a loan for you if you are listed in Infocorp, an exceptional case is "fintech" lending companies, which offer you a large amount of money, either to buy or remodel your home, pay off your debts, invest in a business, or start an entrepreneurship.
Prestamype, the Peruvian fintech incorporated in the Superintendency of Banking and Insurance (SBS), provides financial solutions with the help of technology and digital platforms that are agile, fast, secure, and easy to use.
How can Prestamype help you? Simple, it can grant you a loan ranging from 20,000 soles to 1 million soles, at a monthly effective cost rate starting from 1.35%, which includes appraisal, notary, and registration fees. How does it work? Through a long-term mortgage loan.
Additionally, you can repay your monthly installments in terms of 4 years, which are renewable through a customized payment schedule.
How to qualify for a loan from Prestamype?
- You must be registered with the National Superintendence of Public Registries (Sunarp).
- You must be located in Lima Metropolitana, Callao, or Arequipa Metropolitana.
- You must be free of legal charges such as fines, liens, or encumbrances that interfere with your loan application.