He Republic Bank (BROTH) enabled this Monday, November 9, 2026, the benefit of loans for retirees and pensionerswhich will take place throughout November and December, depending on the profile and identity card number of the applicants.
This program offers passive process the application or renewal of loans with more convenient interest rates, without requiring a minimum percentage of paid installments to renew and with immediate credit to the beneficiaries’ bank account.
Who can apply for BROU loans
People who can request or renew these loans with discounted rates son all retirees and pensioners of all funds.
Dates to request a loan for liabilities in November 2026
The first date to consider is this Monday, November 9. There you can request loans for liabilities exclusively through eBROU, the website from the bank.
Additionally, if the applicant charges an amount less than $30,000 nominal, they are given the possibility of processing their loan through WhatsApp, by contacting the number 2 1996 000, between November 16 and December 22.
If the beneficiary collects his passivity at the BROU, he may go to its branches on these dates, according to the verification digit of his identity card:
- Digits 0 and 1: Monday, November 16
- Digits 2 and 3: Tuesday, November 17
- Digits 4 and 5: Wednesday, November 18
- Digits 6 and 7: Thursday, November 19
- Digits 8 and 9: Friday, November 20
If the beneficiary does not collect his passivity at the BROU, he may go to its branches on these dates, according to the verification digit of his identity card:
- Digits 0 and 1: Tuesday, November 24
- Digits 2 and 3: Wednesday, November 25
- Digits 4 and 5: Thursday, November 26
- Digits 6 and 7: Friday, November 27
- Digits 8 and 9: Monday, November 30
Photo: El País Archive.
BROU special loan dates for liabilities in December 2026
During this campaign, a stage for loan applications and renewals for retirees and pensioners will also open in December.
If the beneficiary collects his passivity at the BROU, he may go to its branches on these dates, according to the verification digit of his identity card:
- Digits 0 and 1: Wednesday, December 9
- Digits 2 and 3: Thursday, December 10
- Digits 4 and 5: Friday, December 11
- Digits 6 and 7: Monday, December 14
- Digits 8 and 9: Tuesday, December 15
If the beneficiary does not collect his passivity at the BROU, he may go to its branches on these dates, according to the verification digit of his identity card:
- Digits 0 and 1: Wednesday, December 16
- Digits 2 and 3: Thursday, December 17
- Digits 4 and 5: Friday, December 18
- Digits 6 and 7: Monday, December 21
- Digits 8 and 9: Tuesday, December 22
Then, starting December 23, all liabilities will be able to apply.
How to request a loan through eBROU
To apply for the loan online, applicants must follow these steps:
- Login to www.brou.com.uy.
- Log in with user number and password.
- In the “operate” menu, go to “loans” and then “request loan”.
- If the applicant does not have a current framework agreement, they must accept the conditions. If the person already has an agreement, they can continue with the simulation of their loan.
- Select the work data (they should appear automatically). Then, select currency, liquid to be collected and term. Click on “simulate” (it can be simulated as many times as the user wants).
- When you agree to the conditions, select “request”.
- Verify all transaction data, including the interest rate, which will appear automatically, according to the type of agreement to be requested.
- If you agree with all the information, accept the conditions and then enter the digital key code. If the user does not have a digital key, they can confirm with a unique SMS code sent to their mobile device.
- Click confirm.
Photo: El País Archive
Loan conditions for BROU liabilities
According to the terms and conditions of the Passive Loans 2026 campaignthese are the interest rates offered, depending on the number of loan installments:
| Fees | 1 a 6 | 7 a 12 | 13 a 24 | 25 a 36 | 37 a 48 | 49 a 60 |
| Liabilities Segment With Withholding – Branch Standard | 20 % | 23 % | 24 % | 25 % | 26 % | 27 % |
| Liabilities Segment With Withholding – Preferential Branch | 19 % | 22 % | 23 % | 24 % | 25 % | 26 % |
| Liabilities Segment with Withholding – eBROU Standard | 17 % | 20 % | 21 % | 22 % | 23 % | 24 % |
| Passive Segment With Withholding – Preferential eBROU | 15 % | 28 % | 19 % | 20 % | 21 % | 22 % |
The most convenient rates are offered with processing through eBROU, while the preferential rates They apply exclusively to clients who receive their passivity through the BROU. The published rates are effective annually and VAT must be added.
In addition, for requests through WhatsApp, the branch channel rates will apply. The maximum capital that will be granted to clients who use this application method may not exceed $150,000.
The maximum terms for granting loans were also stipulated, depending on the age of the client:
| Age | Maximum term in months |
| Up to 70 years | 60 |
| Up to 79 years | 48 |
| Up to 89 years | 24 |
| 90 years and more | 12 |
Loans are subject to credit approval.
Source: www.elpais.com.uy
