Destination:

Credits destined to finance only the acquisition of the proper, only, familiar housing and of permanent occupation.

Users:

Natural persons who do not overcome 65 years to the date of cancellation of the loan.

Amortization system: French.

The credit assistance will be limited to housings which purchasing power or appraisal, of both the biggest, does not exceed $ 210.000 (weight two hundred ten thousand).

Interest:

Combined valuation consisted of the following way:

Valuation Fixes Even 12/31/2011:

Term up to 20 years: 14,75 % TNA. – 16,03 % T.E.A.
Period bigger than 20 years 16,00 % TNA. – 17,49 % T.E.A.

From 1/1/2012, the Valuation will be a Variable.

For the determination the valuation will be adopted that fixed-term deposits survey results from the simple average of the valuation I fix in weight to 30 days that there communicates the B.C.R.A (it appraises survey or the one that should replace in the future) for the last five working days of December, March, June and September the one that 4 (four) additional annual percentage points will add to him. If there did not exist any variable valuation communicated by the B.C.R.A. that replaces it, there will be applied the variable valuation that with general character the Bank Nation fixes for this type of operations.

Minimal Clear income for Relation of Dependency and Autonomous:

Clientele in General: $1.500.- familiar group.

Plan I Weld:

For Acquisition: $1.200.-
For Snack, enlargement and completion: $1.000.-

TENANTS:

The payment capacity is established by the value of the rent. Nevertheless that it is possible to request additionally and when there is understood justified another information that allows to state the payment capacity of the client. (Example: I receive from money, consumptions of credit cards, etc.)

It was guaranteeing: HE MORTGAGES in the first grade on the building object of the credit.

Expenses:

Expenses of Granting:

They are perceived at the moment of the payment of the loan.

For operations up to $ 80.000: 1,50 % + VAT.
For operations bigger than $ 80.000: 1.00 % + VAT. Minimum:
$1.200.-+ VAT

Expenses of Appraisal:

0,15 % more VAT calculated on the total of the agreed credit. With a Minimum of $ 150 (weight hundred fifty) + I.V.A.

Fees of Clerkship:

For Housing acquisition:

For Mortgage: 0,75 % more VAT, for the mortgage calculated on the value of the same one.

For buy: 1,00 % more VAT of the purchasing power.

0,25 % more VAT, by way of competing administrative expenses of the Bank, calculated on the purchasing power.

For Enlargement / snack and/or completion of the housing:

For Mortgage: 0,75 % more VAT, for the mortgage calculated on the value of the same one.

0,25 % more VAT, by way of competing administrative expenses of the Bank, calculated on the value of the Mortgage.

Associate accounts:

Savings bank: Current value $ 17. - The petitioner will have to accept that the quotas are debited of the same one.

Obligatory insurances:

There will be demanded life insurances and fire, endorsed in favor of the Bank, which cost will be in charge of the client.

Life insurance:

Debt Cancelatorio. The client will be able to choose for these two companies:

Nation Insurances ó Sancor Cooperativa of Insurances

1. Entire cancellation: It will be 100 % of the debt balance, for the death of cualquierade the holders.
Nation Insurances: it is of 1,20%o for each of them and for Sancor Seguros: it is of 1,35%o.

2. Proportional cancellation: It will be with effect cancelatorio of the debt in proportional form to the income declared by each of the holders to pay the quota of the obligation.
Nation Insurances: it is of 1,50%o for more than one holder and for  Sancor Seguros it is of 1,70%o.

Fire insurance:

For the total of appraisal of the building mortgaged, endorsed in favor of the bank.

Nation Insurances S.A.:
It is perceived annually with a cost of 0,6%o on the total of appraisal of the mortgaged building.

Quota:

The first quota every $ 100.000 of credit, for French system.
Period up to 20 years: 14,75 % TNA.
Period bigger than 20 years: 16,00 % TNA.

(*) Nation Insurances S.A.: For a holder it is equal to: 1,20%o (Entire Cancellation), for more than one holder 1,50%o (Proportional Cancellation). The cost that appears in the picture is for a holder.

Entire Financial cost:

Calculated for a credit of $ 100.000. - It includes: Interest, Life insurance, Insurance of Fire for a property in the Federal Capital appraised in $ 111.111,111, Savings bank, Appraisal, granting Charges, more the I.V.A. on expenses and commissions.

(*) CFT TNA: Financial cost expressed in Annual Nominal Valuation.
(**) CFT FIRELIGHTER: Financial cost expressed in Annual Effective Valuation.

Requisites and Papers to be presented:

Requisites:

Minimal labor antiquity:

Dependency relation:

- Personnel of permanent plant: 6 (six) months, with verifiable labor continuity of one year in the employment.

- Hired: a year of antiquity in the employment and with current contract.

Autonomous:

- Inscribed into Profit: One year in the exercise of the profession or I officiate from the DDJJ of Profit.

- Monotributistas: Two years of labor antiquity in
profession or office from the inscription in the Monotax.

Papers to be presented:

For all the cases it will have to present Identity card (identity card), last summary of the credit card ó invoice of fixed service addressed to the petitioner.

Dependency relation:

last salary receipt.

last summary of AFJP or ANSES ó steadfastness of fulfillment of the obligations of the employer obtained across the page of the AFIP www.afip.gov.ar/misaportes.

Steadfastness of labor inscription, CUIL assigned by the ANSES.

Autonomous:

DDJJ of Ganancias/Monotributo and other one that turns out to be complementary to determine the clear revenue of the petitioner.

Tenants:

Rent contract with all the formalities that indicates the law (payment of the tax to the Stamps, when it should correspond).

Rents receipts with the formalities that correspond according to the issuer, in not minor term to 8 months.

Another necessary information to establish the veracity of the contributed information.

For major information or precisions with regard to this line it will have to direct to
Center of Contacts to: 0810-666-4444 of Monday to Friday from 8 to 20 hs.
Or to the Division most next to his domicile.

Dream again of his house. Come to the Bank Nation. To request Product