Obtaining financing to build or remodel a home has become a cumbersome procedure, but above all that requires a mortgage guarantee that postpones the dreams of many Peruvians. Thinking about those who cannot meet this requirement, Caja Huancayo has created Credihogar, a product with competitive rates, flexible deadlines and a quick and safe process. Katia de la Cruz, Consumer Credit Management Analyst of Huancayo boxtells the details of this new product.
How is a product that is linked to the home is part of a consumer loan? What is exactly?
In the Department of Credit and Consumer we think of the need of our clients. To begin with, those who want to make a modification in their home, a renewal or construction, know that they need to make a mortgage about their home. Thinking about this need, we, in consumer loans, have Credihogar, designed to satisfy it and expedite the process of providing the faster money to improve your home.
What happens if we are not yet Caja Huancayo customers? Can we access the product?
Our product is directed for everyone, in general. Even for customers without credit history, who have not had credit experience. If you want to remodel your home is welcome to Caja Huancayo through our various channels.
On the product, what are requirements that a customer must meet to access this?
The client must already have a proforma, a consultation with his works master to know how much he will need financing to remodel an atmosphere of his house, build one more floor or make the finishes. What we ask is to support your ability to pay through a ballot, a receipt for fees, work proof or a notarial affidavit if you are an informal client or that do not have a formal work contract, but that can demonstrate their income because their work is day to day. We as business advisors what we do is go to the field, validate that the client has that source of income and support it technically. With that we do the evaluation, we know the client, his home that does not necessarily have to be his own and the place where the remodeling will be done. Sometimes it is an inheritance or give them an environment or space to build their home, in those cases we can also grant credit.
Is there a top in terms of financing? What is the deadline to pay it and the interest rate?
Credihogar reaches amounts of up to S/90 thousand financing, without constituting mortgage. The deadline we can give is up to five years. And, on the issue of interest rate, Caja Huancayo thinks of the need of our client and we can give a super -preferential interest rate. But that is already handled directly.
Explain a little more about the benefit without mortgages that Credihogar gives.
The mortgage is the support of the entity to grant a loan, a mortgage must be constituted in favor of the entity that supports the possible non -payment and in issues of collection execution. The client is afraid of these consequences because he is leaving his home in the bank’s name. In addition, the mortgage process generates notarial costs and expenses for the enrollment of the mortgage. That is why we offer up to S/ 90 thousand without doing any procedure, just corroborating payment capacity and where the use of the loan is going to be.
How can I request this credit?
Caja Huancayo has 243 agencies at the national level. Our clients turn corner and find an online box. You approach with any business advisor and they will give you the information and guidance. If you are at home or do not want to leave, you can enter our website Cajahuancayo.com.pe or you can call us (064) 48 1000 and there they will automatically contact you with a business advisor, so that you visit you and you can inform yourself. You no longer need to leave home.
A final message. Why should we request a loan through Caja Huancayo?
We are the box that thinks about the need of each client, whether an entrepreneur or a consumption client, as on this occasion with Credihogar. If you are thinking of remodeling or expanding your home, we are the best option. Not only do we offer a good product and financial service, but also a very competitive interest rate because Caja Huancayo is the Peruvian box.
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