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To give an opportunity to those who are thinking of acquiring their first home and give a boost to the national economy, BancoEstado will offer historical rates for mortgage loans, which will range between 1.99 and 2.39% interest.
The president of the institution, Sebastián Sichel, specified 24 hours that the initiative “seeks to change three rules that had become common: first to lower rates. For the first home, reach 1.99% as a fixed mortgage rate that is maintained throughout the duration of the loan. The second thing is to increase the amount of financing to reach 90% and, finally, change the logic that they are not 20-year loans, but can also be 25 or 30 years. “
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In that sense, he explained that the loans are for all people, without the need to have a product already in BancoEstado.
Regarding the rate, Sichel stated that “that of 1.99% is for the first home. And the maximum rate is also the lowest in the market for a second home “or for those who wish to refinance their current credit through financial portability, which will have a maximum ceiling of 2.39%.
In addition, he emphasized that those who have 20% of the foot will be able to obtain this preferential amount. If a person has less quantity, they can choose another, with a maximum of 2.39% rate.
On the other hand, the mortgage is for all types of housing: used or new, house or apartment.
Applications will be open until December 30, 2020. They will be made through the bank’s website or by phone at 600 400 700.
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How to apply
- Login to State Bank.
- Enter the requested data (type of home, region of property, condition of home, personal data entry, property information).
- The pre-approval will be delivered in three business days. with credit and rate offer options.
- Then the credit application is made.
What information must be credited
For the commercial evaluation of the payment capacity, depending on the type of income that the client has, the following must be delivered: information on rent settlements, certificate of pension contributions, employment seniority, fee tickets, etc. Details can be found on the Bank’s website.
Also, if the operation goes ahead, to In the study of titles, documents such as the seller’s background (in case of used housing), mortgage certificate, appraisal certificate, etc., must be provided.
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