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Its about “Mortgage“, A new benefit that grants loans at a preferential interest rate of 1.99% to buy properties, currently the lowest in the credit market.
This credit finances 80% of the property’s value, although in cases it can also cover up to 90% but with a higher interest rate.
Mortgage conditions
For those who acquire their first new or used property, the loan conditions are the following:
- The rate is UF + 1.99%.
- With 80% financing.
- You have to give 20% standing.
If for some reason the person cannot give 20%, but 10% standing:
- You will be able to access 90% financing, fulfilling the evaluation conditions.
- You can opt for a rate of UF + 2.39%.
In case the client already has a home of their own and wants to apply for a loan for a new home:
- The condition is going to be a rate of around UF + 2.39%.
Who can apply?
The President of BancoEstado, Sebastián Sichel, indicated that those who want to request the benefit may do so as long as they meet the income requirement in relation to the amount of the dividend they must pay.
According to Sichel, this application will show the income that the person generates and not necessarily the source of the income.
In addition, a marriage book will not be required in the case of people who want to supplement income. “It can be a homosexual couple, a father with a son who have lived together for a long time and show a vocation for permanence, therefore we also evaluate joint income, which makes this idea more flexible that only with my income I can obtain a mortgage loan,” he explained Sichel.
Hi! 🤗 we started the day telling you very good news, it began #HipotecazoBE With rates from 1.99% and financing up to 90% of the value of the home!
Here we tell you how you can access👇– BancoEstado (@BancoEstado) October 7, 2020
How to apply?
To apply, you must enter the page www.bancoestado.cl and click on the banner “Come for your Mortgage” that you see on the home screen.
Then, you must click on the option “Simulate your mortgage credit here”And you will have to complete a form with your personal data, in addition to adding the amounts of the property and the footer for the property.
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