{"id":2222,"date":"2021-08-04T17:39:03","date_gmt":"2021-08-04T22:39:03","guid":{"rendered":"https:\/\/apurata.com\/blog\/?p=2222"},"modified":"2023-02-06T10:46:32","modified_gmt":"2023-02-06T15:46:32","slug":"banbif-prestamos-por-convenio","status":"publish","type":"post","link":"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/","title":{"rendered":"Banbif pr\u00e9stamos por convenio | Todo lo que necesitas saber"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Tabla de Contenidos<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFQue_es_un_credito_por_convenio_Banbif\" >\u00bfQu\u00e9 es un cr\u00e9dito por convenio Banbif?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFCuales_son_los_beneficios_que_me_ofrece_Banbif\" >\u00bfCu\u00e1les son los beneficios que me ofrece Banbif?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFA_que_monto_a_cuantos_plazos_y_a_que_tasa_TEA_es_posible_solicitar_un_credito_por_convenio\" >\u00bfA qu\u00e9 monto, a cu\u00e1ntos plazos y a qu\u00e9 tasa (TEA) es posible solicitar un cr\u00e9dito por convenio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFCuales_son_los_requisitos_para_poder_solicitar_un_credito_por_convenio_en_Banbif\" >\u00bfCu\u00e1les son los requisitos para poder solicitar un cr\u00e9dito por convenio en Banbif?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFQue_documentos_se_deben_presentar_para_acceder_a_un_credito_por_convenio\" >\u00bfQu\u00e9 documentos se deben presentar para acceder a un cr\u00e9dito por convenio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFComo_solicito_mi_credito_por_convenio_en_Banbif\" >\u00bfC\u00f3mo solicito mi cr\u00e9dito por convenio en Banbif?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#%C2%BFComo_pago_mis_cuotas_mensuales_en_Banbif\" >\u00bfC\u00f3mo pago mis cuotas mensuales en Banbif?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#Simulador_web_Convenios\" >Simulador web Convenios<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/#Preguntas_frecuentes_sobre_los_Prestamos_por_Convenio_de_Banbif_FAQ\" >Preguntas frecuentes sobre los Pr\u00e9stamos por Convenio de Banbif (FAQ)<\/a><\/li><\/ul><\/nav><\/div>\n\n<p class=\"wp-block-paragraph\">Hoy en d\u00eda existen diversas opciones para obtener el cr\u00e9dito personal que necesitas para financiar ese viaje que tanto deseas, comprar esa laptop que tanto quieres o utilizar el dinero de la manera que t\u00fa prefieras. En esta ocasi\u00f3n, te traemos el pr\u00e9stamo por convenio de <strong><a href=\"https:\/\/apurata.com\/blog\/banbif-prestamos\/\" target=\"_blank\" rel=\"noreferrer noopener\">BanBif<\/a><\/strong>, una alternativa que te brinda mayor confianza y una tasa de inter\u00e9s atractiva. Este tipo de pr\u00e9stamos se pueden separar en varios plazos y se devuelven mediante la deducci\u00f3n de la n\u00f3mina, facilitando su pago. Sigue leyendo el art\u00edculo y conoce todo acerca de los pr\u00e9stamos por convenio que ofrece Banbif.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_es_un_credito_por_convenio_Banbif\"><\/span><strong>\u00bfQu\u00e9 es un cr\u00e9dito por convenio Banbif?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Los cr\u00e9ditos Banbif por convenio est\u00e1n dirigidos, espec\u00edficamente, a los trabajadores de entidades p\u00fablicas o privadas, con condiciones preferentes y pago de cuotas a trav\u00e9s de deducci\u00f3n por planilla. Tienes la opci\u00f3n de solicitar un pr\u00e9stamo en soles o en d\u00f3lares, como entre tipos de cuotas simples o dobles (Seg\u00fan negociaci\u00f3n con la empresa y regir\u00e1 para todos los empleados del convenio; previamente estipulado en las condiciones del convenio marco a firmarse con la empresa\/instituci\u00f3n), los plazos dobles permiten reducir el valor de la deuda, al reducir el saldo, por lo tanto, se pagan menos intereses. Y, al pagar menos intereses, el valor total del pr\u00e9stamo es menor. El desembolso del dinero del pr\u00e9stamo se da a trav\u00e9s del abono en cuenta, emisi\u00f3n de cheque de gerencia y pago en ventanilla.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_los_beneficios_que_me_ofrece_Banbif\"><\/span><strong>\u00bfCu\u00e1les son los beneficios que me ofrece Banbif?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Estos son los principales beneficios que obtendr\u00e1s si optas por un cr\u00e9dito por convenio de Banbif:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Rapidez en evaluaci\u00f3n y desembolso.<\/li><li>Condiciones preferenciales de financiamiento.<\/li><li>Posibilidad de solicitar ampliaciones de pr\u00e9stamo, si cuenta con un m\u00ednimo de 2 cuotas pagadas en su pr\u00e9stamo actual.<\/li><li>Reducci\u00f3n del sobreendeudamiento y consolidaci\u00f3n de todas tus deudas en una sola entidad.<\/li><li>Sin penalidad por pago anticipado o adelantos de cuotas.<\/li><li>No requiere aval ni garante.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/apurata.com\/?utm_source=serpguru&amp;utm_medium=blog&amp;utm_campaign=Banbif+pr%C3%A9stamos+por+convenio+%7C+Todo+lo+que+necesitas+saber\"><img decoding=\"async\" width=\"1024\" height=\"606\" data-src=\"https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-peru.jpg\" alt=\"prestamos compra de deuda apurata peru\" class=\"wp-image-3297 lazyload\" data-srcset=\"https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-peru.jpg 1024w, https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-peru-300x178.jpg 300w, https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-peru-768x455.jpg 768w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/606;\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFA_que_monto_a_cuantos_plazos_y_a_que_tasa_TEA_es_posible_solicitar_un_credito_por_convenio\"><\/span><strong>\u00bfA qu\u00e9 monto, a cu\u00e1ntos plazos y a qu\u00e9 tasa (TEA) es posible solicitar un cr\u00e9dito por convenio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El monto m\u00e1ximo que podr\u00e1 obtener es de S\/. 65 000. Adem\u00e1s, Banbif te brinda plazos convenientes desde 6 hasta 60 meses si trabajas en una entidad privada, y hasta 72 meses si trabajas en una entidad p\u00fablica, en ambos casos las empresas deben tener un convenio con Banbif. Cabe se\u00f1alar que la cuota m\u00e1xima a pagar no debe exceder el 40 % de tus ingresos netos de la boleta de pago, previa revisi\u00f3n de convenio marco. La tasa de inter\u00e9s efectiva anual es de 35 % si solicita el plan en soles y si lo solicita en moneda extranjera como, por ejemplo, en d\u00f3lares va a tener una tasa del 18 %.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFCuales_son_los_requisitos_para_poder_solicitar_un_credito_por_convenio_en_Banbif\"><\/span><strong>\u00bfCu\u00e1les son los requisitos para poder solicitar un cr\u00e9dito por convenio en Banbif?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Estos son los requisitos que debes de cumplir si deseas adquirir el cr\u00e9dito por convenio de Banbif:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Situaci\u00f3n de empleo estable<\/li><li>Ingreso m\u00ednimo bruto de S\/. 930<\/li><li>Convenio P\u00fablico: Antig\u00fcedad laboral m\u00ednima de 3 meses previa evaluaci\u00f3n.<\/li><li>Convenio Privado: Requisitos de 12 meses en el trabajo actual, o 6 meses en el trabajo actual y continuidad laboral sin vac\u00edo de 1 a\u00f1o adicional.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFQue_documentos_se_deben_presentar_para_acceder_a_un_credito_por_convenio\"><\/span><strong>\u00bfQu\u00e9 documentos se deben presentar para acceder a un cr\u00e9dito por convenio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Se debe presentar la copia del documento de identidad, \u00faltima boleta de pago (3 \u00faltimas para sueldo variable), recibo de servicios pagado, firmar la carta de autorizaci\u00f3n para descuento por planilla y el formato de solicitud de cr\u00e9dito visado por el empleador.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_solicito_mi_credito_por_convenio_en_Banbif\"><\/span><strong>\u00bfC\u00f3mo solicito mi cr\u00e9dito por convenio en Banbif?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes realizarlo a trav\u00e9s de su Sistema de Banca por Internet, previa afiliaci\u00f3n, o Banca Telef\u00f3nica 01 631-9000 (lima) \/ 0-801-0-0456 (provincias).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%C2%BFComo_pago_mis_cuotas_mensuales_en_Banbif\"><\/span><strong>\u00bfC\u00f3mo pago mis cuotas mensuales en Banbif?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sus cuotas ser\u00e1n descontadas por planilla y cargadas en autom\u00e1tico el d\u00eda de pago, en caso esto no suceda, deber\u00e1 acercarse a pagar su cuota a cualquiera de las agencias de Banbif.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/apurata.com\/?utm_source=serpguru&amp;utm_medium=blog&amp;utm_campaign=Banbif+pr%C3%A9stamos+por+convenio+%7C+Todo+lo+que+necesitas+saber\"><img decoding=\"async\" width=\"1024\" height=\"606\" data-src=\"https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata.jpg\" alt=\"prestamos compra de deuda apurata\" class=\"wp-image-3296 lazyload\" data-srcset=\"https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata.jpg 1024w, https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-300x178.jpg 300w, https:\/\/apurata.com\/wp-content\/uploads\/2023\/01\/prestamos-compra-de-deuda-apurata-768x455.jpg 768w\" data-sizes=\"(max-width: 1024px) 100vw, 1024px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 1024px; --smush-placeholder-aspect-ratio: 1024\/606;\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Simulador_web_Convenios\"><\/span><strong>Simulador web Convenios<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">El banco Banbif te ofrece un simulador programado en Excel en el que puedes calcular el monto de tu cuota, ingresando el monto total de tu pr\u00e9stamo, la fecha de desembolso, la tasa de inter\u00e9s efectiva anual (TEA), el n\u00famero de cuotas, el porcentaje correspondiente al seguro de desgravamen y el tipo de cuota (simple o doble), de esta manera, podr\u00e1s conocer anticipadamente cu\u00e1nto de dinero pagar\u00edas cada mes (el cronograma definitivo puede variar ligeramente).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntas_frecuentes_sobre_los_Prestamos_por_Convenio_de_Banbif_FAQ\"><\/span><strong>Preguntas frecuentes sobre los Pr\u00e9stamos por Convenio de Banbif (FAQ)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00bfSi cuento con un pr\u00e9stamo por convenio vigente, se puede solicitar una ampliaci\u00f3n?<\/strong><\/td><td>S\u00ed, solo debes haber pagado 2 cuotas de tu pr\u00e9stamo.<\/td><\/tr><tr><td><strong>\u00bfCu\u00e1ndo entra un pr\u00e9stamo en mora?<\/strong><\/td><td>Al d\u00eda siguiente de la fecha de vencimiento de la cuota.<\/td><\/tr><tr><td><strong>\u00bfCobran penalidad por cancelaciones anticipadas?<\/strong><\/td><td>No.<\/td><\/tr><tr><td>&nbsp;<strong>\u00bfC\u00f3mo puedo hacer efectivo mi pr\u00e9stamo desembolsado?<\/strong><\/td><td>Ac\u00e9rcate a cualquier ventanilla con tu documento de identidad, el banco puede emitir un cheque de gerencia a tu favor o puede abonar el pr\u00e9stamo en tu cuenta del BanBif.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si deseas conocer sobre el pr\u00e9stamo por convenio que ofrece Banco GNB, haz click <em><strong><a href=\"https:\/\/apurata.com\/blog\/banco-gnb-prestamos-por-convenio\/\" target=\"_blank\" rel=\"noreferrer noopener\">aqu\u00ed<\/a><\/strong><\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Para conocer m\u00e1s sobre los pr\u00e9stamos por convenio que ofrecen otras entidades bancarias en el Per\u00fa, haz click <strong><a href=\"https:\/\/apurata.com\/blog\/prestamos-por-convenio\/\" target=\"_blank\" rel=\"noreferrer noopener\">aqu\u00ed<\/a><\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Hoy en d\u00eda existen diversas opciones para obtener el cr\u00e9dito personal que necesitas para financiar ese viaje que tanto deseas, comprar esa laptop que tanto quieres o utilizar el dinero de la manera que t\u00fa prefieras. En esta ocasi\u00f3n, te traemos el pr\u00e9stamo por convenio de BanBif, una alternativa que te brinda mayor confianza y &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/apurata.com\/blog\/banbif-prestamos-por-convenio\/\"> <span class=\"screen-reader-text\">Banbif pr\u00e9stamos por convenio | Todo lo que necesitas saber<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":2249,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"_joinchat":[],"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2222","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-productos-financieros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banbif pr\u00e9stamos por convenio | Todo lo que necesitas saber - Apurata Blog<\/title>\n<meta name=\"description\" content=\"\u00bfBuscas un pr\u00e9stamo y tu salario es tu \u00fanica fuente de ingresos garantizada? 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