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 HIS NEW PERSONAL LOAN
 $ totals 1.000 to $ 7 5.000 weight.
To realize arrangements in his house, to do due buys, to give him something or to specify trips.
Period to election up to 60 months.
An accessible quota to his payment capacity.
INTEREST
Up to 18 months: Valuation Fixes.
From 19 until 60 months: Variable valuation.
| Term |
Period |
T.N.A. (1) |
T.E.M. (2) |
T.E.A. (3) |
| Fixed valuation |
Up to 18 months |
20,50 % |
1,70 % |
22,89 % |
| Variable valuation (*) |
From 19 until 24 months |
20,50 % |
1,70 % |
22,89 % |
| Variable valuation (*) |
From 25 until 36 months |
22,50 % |
1,87 % |
25,37 % |
| Variable valuation (*) |
From 37 until 48 months |
25,50 % |
2,12 % |
29,16 % |
| Variable valuation (*) |
From 49 until 60 months |
26,50 % |
2,20 % |
30,45 % |
(1) Annual Nominal valuation
(2) Monthly Effective valuation
(3) Annual Effective valuation |
(*) The changeability of the money-market rate will be determined for the first day of January, April, July and October of every calendar year. For the determination there will be adopted the valuation that results from the simple average of the valuation that arises from the daily report of the valuation BADLAR paid for banks deprived for the totality of the days of the immediate month previous to the date foreseen for the change to which twenty (20) additional annual percentage points will be added.
System of Amortization: French system.
Minimal Clear income: $ 1.500. (weight thousand five hundred).
MORE BENEFITS
Agile and simple procedure.
Possibility of renewal cancelled 50 % of the quotas.
Entire or partial cancellation anticipated without expenses.
The serviceability of not having to lose time doing tails. The quotas are deducted
 automatically of his account.
INSURANCES AND ACCESSORIES
Expenses of Administration of Quota: CSe will perceive in monthly form a charge of 3 % + I.V.A., calculated on the capital quota, interests and life insurance.
Expenses of Granting: It will be perceived in anticipated form and for the only time, a charge on the entire total of the loan more VAT:
For operations up to $10.000.-: 3 % + VAT
Operations from $10.001.-to $20.000.-: 2,5 % + VAT
Operations bigger than $20.001.-: 2 % + VAT
Life insurance: Debt Cancelatorio for death of the holder, applies a charge to himself
monthly to the quota, calculated on the debt balance. The Bank of the Nation Argentina offers him like alternatives two companies: Nation Insurances S.A. and Sancor Cooperativa of Insurances Ltda.
Company Nation Insurance S.A. or Sancor Seguros S.A.
Monthly premium of 0,20 % on the debt balance.
The life insurance covers 100 % of the debt balance of the holder.
Savings bank with cost of maintenance discounted in 50 %: $8,50.-monthly ones.
REQUISITES
To be employed at dependency relation with a minimal labor antiquity of six months with verifiable continuity of one year or to develop an independent economic activity .
Income affectation: the amount of the quota must not overcome 20 % of his credit
monthly.
To the cancellation of the loan not to overcome the age of 65 years.
Papers to be presented:
For all the cases it will have to present Identity card (identity card), and
it photocopies of the same and last summary of the Credit card or invoice of a fixed service
(under the pretext of example light, gas, real estate tax, fixed telephony, etc.), addressed to
petitioner.
1. Relation of Dependency:
* Last 3 salary receipts, with the following information:
* Last summary of AFJP or ANSES ó steadfastness of fulfillment of the obligations of
employer obtained across the page of the AFIP www.afip.gov.ar/misaportes
identified like “My contributions”.
* Steadfastness of labor inscription, CUIL assigned by the ANSES
2. Autonomous:
* The papers that participant needs the executive credit instance, so that
be able to determine in reliable or demonstrable form the clear revenue of the petitioner to
to consider.
3. Retired / give a pension:
* Last receipt of cashing of retirement ó pension.
SPECIAL CONDITIONS
Quotas cashing:
a) With charge to the summary of the Credit card of anyone
of the marks that there commercializes the Bank (Visa, Mastercard,
Native Nación and Card Soccer).
b) With debit in the Savings bank.
c) With debit in the Checking account.
Associate accounts:
Opening of a Savings bank for the one who does not possess in the BNA, which cost of maintenance and Card of Debit will be discounted in 50 % during the validity of the loan.
QUOTAS
The first studied Quota every for loans of $10.000-.
| Months |
TNA |
Capital + Interest
|
VAT |
Life insurance |
Adm of Quota |
Savings bank |
Entire cost
monthly |
CFT TNA
(1) |
CFT FIRELIGHTER
(2) |
| 12 |
20,50 % |
$ 928.75 |
$ 35,88 |
$ 18,48 |
$ 34,38 |
$ 8,50 |
$ 1.026,00 |
44,17 % |
54,32 % |
| 18 |
20,50 % |
$ 650,05 |
$ 35,88 |
$ 19,04 |
$ 24,29 |
$ 8,50 |
$ 737,76 |
39,73 % |
47,83 % |
| 24 |
20,50 % |
$ 511,41 |
$ 35,88 |
$ 19,32 |
$ 19,27 |
$ 8,50 |
$ 594,38 |
37,40 % |
44,53 % |
| 36 |
22,50 % |
$ 187,52 |
$ 29,38 |
$ 19,61 |
$ 14,67 |
$ 8,50 |
$ 466,66 |
37,49 % |
44,66 % |
| 48 |
25,50 % |
$ 334,38 |
$ 44,63 |
$ 19,76 |
$ 12,86 |
$ 8,50 |
$ 420,12 |
40,01 % |
48,24 % |
| 60 |
26,50 % |
$ 302.39 |
$ 46,38 |
$ 19,84 |
$ 11,70 |
$ 8,50 |
$ 388,80 |
40,51 % |
48,96 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, maintenance of account, life insurance with Nation Insurances S.A. and I.V.A. |
The first Quota calculated for loans of $20.000-.
| Months |
TNA |
Capital + Interest
|
VAT |
Life insurance |
Adm of Quota |
Savings bank |
Entire cost
monthly |
CFT TNA
(1) |
CFT FIRELIGHTER
(2) |
| 12 |
20,50 % |
$1.857.50 |
$ 71,76 |
$ 36,97 |
$ 68,77 |
$ 8,50 |
$ 2.043,50 |
41,97 % |
51,08 % |
| 18 |
20,50 % |
$ 1.300,10 |
$ 71,76 |
$ 38,08 |
$ 48,58 |
$ 8,50 |
$ 1.467,01 |
37,93 % |
45,28 % |
| 24 |
20,50 % |
$ 1.022,83 |
$ 71,76 |
$ 38,64 |
$ 38,53 |
$ 8,50 |
$ 1.180,26 |
35,82 % |
42,34 % |
| 36 |
22,50 % |
$ 769,02 |
$ 78,86 |
$ 39,21 |
$ 29,34 |
$ 8,50 |
$ 924,83 |
36,17 % |
42,81 % |
| 48 |
25,50 % |
$ 668,76 |
$ 89,26 |
$ 39,51 |
$ 25,71 |
$ 8,50 |
$ 831,75 |
38,84 % |
46,56 % |
| 60 |
26,50 % |
$ 604.38 |
$ 92,76 |
$ 39,67 |
$ 23,39 |
$ 8,50 |
$ 769,11 |
39,43 % |
47,41 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, maintenance of account, life insurance with Nation Insurances S.A. and I.V.A. |
The first Quota calculated for loans of $30.000-.
| Months |
TNA |
Capital + Interest
|
VAT |
Life insurance |
Adm of Quota |
Savings bank |
Entire cost
monthly |
CFT TNA
(1) |
CFT FIRELIGHTER
(2) |
| 12 |
20,50 % |
$2.786.25 |
$ 107,64 |
$ 55,45 |
$ 20,62 |
$ 8,50 |
$ 2.978,46 |
34,07 % |
39,93 % |
| 18 |
20,50 % |
$ 1.950,15 |
$ 107,64 |
$ 57,12 |
$ 20,68 |
$ 8,50 |
$ 2.144,09 |
32,59 % |
37,94 % |
| 24 |
20,50 % |
$ 1.534,24 |
$ 107,64 |
$ 57,96 |
$ 20,71 |
$ 8,50 |
$ 1.729,05 |
31,82 % |
36,90 % |
| 36 |
22,50 % |
$ 1.153,53 |
$ 118,14 |
$ 58,82 |
$ 22,56 |
$ 8,50 |
$ 1.361,54 |
33,57 % |
39,25 % |
| 48 |
25,50 % |
$ 1.003,15 |
$ 133,89 |
$ 59,27 |
$ 25,30 |
$ 8,50 |
$ 1.230,10 |
36,98 % |
43,95 % |
| 60 |
26,50 % |
$ 907.17 |
$ 139,14 |
$ 59,51 |
$ 26,21 |
$ 8,50 |
$ 1.140,53 |
38,01 % |
45,39 % |
(1) Entire Financial cost expressed in Annual Nominal Valuation
(2) Entire Financial cost expressed in Annual Effective Valuation
For the calculation of the CFT it is included: Expenses of Administration of quota, maintenance of account, life insurance with Nation Insurances S.A. and I.V.A. |
Loans subject to the conditions of approval of the Bank of the Nation Argentina.
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