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El 24 % de los préstamos hipotecarios de la Asociación La Nacional pertenecen a dominicanos residentes en el exterior

Tomado de Diario Libre

SANTO DOMINGO.-La Asociación La Nacional de Ahorros y Préstamos, presentó las facilidades que ofrecen en préstamos hipotecarios y otros servicios para que los dominicanos residentes en el exterior puedan adquirir su vivienda en República Dominicana.

Una de esas facilidades es que los dominicanos pueden acceder a un préstamo sin la necesidad de estar presentes en el país, solamente apoderando a un familiar o persona de confianza.

En entrevista con Diario Libre Gustavo Zuluaga, vicepresidente ejecutivo de La Nacional, indicó, que la agencia es pionera en ofrecer una tasa fija durante la vida del préstamo, y en no cobrar ningún tipo de penalidad si la persona abona o cancela su préstamo antes de la fecha establecida.

“El cliente puede hacer un abono a su préstamo sin ninguna penalidad, y si decide cancelar el préstamo antes del vencimiento de este, de igual manera puede cancelar sin ninguna penalidad”, expresó Zuluaga.

Gustavo Zuluaga, vicepresidente ejecutivo de La Nacional. (Fuente externa)

“Tenemos un acuerdo y fungimos como agencia pagadora de envío de remesas a partir de terceros, muchos de esos dominicanos que cogieron sus préstamos o que quieren tener sus ahorros, o que quieren enviar sus remesas puede hacerlo por esa vía”, añadió.

También indicó que las tasas y variaciones del dólar, específicamente para los dominicanos en el exterior no afecta el monto del préstamo.

Adquirir el préstamo residiendo en el exterior

La Nacional es una entidad dedicada a promover el ahorro y el financiamiento de la vida hipotecaria, que es el sueño de toda familia dominicana, y desde hace más de 40 años ha venido desarrollando otros instrumentos para hacer más accesible ese financiamiento de la vivienda.

Así, Zuluaga expresó que los documentos para solicitar un préstamo hipotecario con La Nacional son bastante básicos, estos son:

– Carta de ingresos o Income Tax

– Cedula o licencia

– Cualquier otro documento o credencial o historial de crédito que el solicitante desee entregar

– El poder de representación, si la persona no va a viajar a RD a firmar el contrato personalmente

“A ese dominicano que vive en el exterior hoy en día tiene mecanismos para canalizar sus financiamientos a través de un representante, un familiar que vive aquí, un amigo, y con documentos muy básicos: como la fuente de ingresos, puede enviar un poder donde se hace representado por un amigo o un familiar y a través de ellos puede obtener el préstamo aun estado la persona fuera del país”, dijo.Diáspora confía en sus servicios

Zuluaga indicó que el 24 % de su cartera hipotecaria pertenece a dominicanos que residen en el exterior, en países como Italia, España y Estados Unidos.

“Hoy el dominicano que vive en el exterior tiene acceso de adquirir cualquier producto, el más importante el de la vivienda. Queremos que el dominicano que tenga su familia fuera, pueda cumplir su sueño de adquirir su vivienda. Todos nuestros proyectos de viviendas en diferentes localidades con informaciones de los proyectos están totalmente virtuales”, indicó. “En el tiempo hemos podido ir brindándoles el servicio financiero aun no viviendo aquí, y al momento de tener que firmar, puede hacerlo cuando tenga la oportunidad de venir al país”, indicó.Vivienda y precios

El dominicano en el exterior puede acceder a través de la web de La Nacional para conocer cada uno de los proyectos de viviendas que tienen disponibles, sin embargo, los clientes también pueden seleccionar proyectos que ya estén construidos.

El cliente puede buscar el proyecto de vivienda por su cuenta, o puede revisar la cartera de proyectos propios que tiene La Nacional, con los nombres, tamaños, precios, ubicaciones.

“El dominicano en el exterior generalmente manda un familiar para que vea el proyecto, o el apartamento que le interesa y nosotros se lo mostramos”, indicó Zuluaga.

En La Nacional están enfocados en vivienda a bajo y mediano costo, que van desde 1.6 millones hasta los cuatro millones, con apartamentos de aproximadamente 60 metros, de 1 o 2 habitaciones.

Por ser viviendas económicas tienen una ayuda del 8 % del aporte al valor inicial de la vivienda, por el beneficio que tiene de excepciones fiscales las viviendas de este tipo, al cual también tienen acceso los dominicanos en el exterior.Otros beneficios

Un primer beneficio de productos y servicios de La Nacional es brindarle la vivienda, y el acceso para que los clientes puedan obtenerla. Sin embargo, los dominicanos en el exterior pueden abrir una tarjeta de crédito internacional con la Asociación La Nacional, y vía remesas puede hacer los pagos de sus consumos.

“Tenemos un acuerdo y fungimos como agencia pagadora de envío de remesas a partir de terceros, muchos de esos dominicanos que cogieron sus préstamos o que quieren tener sus ahorros, o que quieren enviar sus remesas puede hacerlo por esa vía”, expresó Zuluaga.

“Otro gran valor que le hemos estado brindado a la diáspora es nuestra APP, donde pueden conocer su balance, sus cuotas de préstamos, hacer reclamos, y eso nos ha ayudado en este proceso de desarrollo, para continuar brindando servicios a la diáspora durante la pandemia”, resaltó.

Para poder acceder a los préstamos hipotecarios los interesados no necesitan tener una cuenta de ahorro con La Nacional, no obstante, pueden abrir una cuenta que les puede servir para ahorrar el inicial de su hogar.

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