Do you want extra ‘wool’? So you can process a loan

Do you want extra ‘wool’?  So you can process a loan
  • All pensioners of the Mexican Institute of Social Security (IMSS) have the right to request a loan through a financial institution.
  • Beneficiaries must have credit capacity.
  • Said credit may not exceed 30 percent of the monthly pension nor leave pensioners with a lower monthly payment than the guaranteed one, which is a minimum wage.

The pensioners of the IMexican Social Security Institute (IMSS) They have the right to apply for a loan through a financial entity that has an agreement with the organization, and which will be paid on account of the pension. Beneficiaries must have credit capacity.

Said credit may not exceed 30 percent of the monthly pension nor leave pensioners with a lower monthly payment than the guaranteed one, which is a minimum wage.

How to apply for the IMSS Pension loan?

There are several options, people interested in obtaining the loan must go to one of the financial entities that have an agreement with the IMSS and apply for credit.

On the other hand, they can do it online, by entering the loan page at the following link shared by the IMSS: https://mclprestamos.imss.gob.mx/mclpe/auth/loginthere they will have to access with their email and password to later follow the registration steps.

Subsequently, the beneficiaries of the pension will be able to find out the authorized amount of the loan and who offers the best conditions. Then they must sign and deliver the documentation to the Financial Entity according to the requirements requested.

Another option that the institute has to present the paperwork is by going to the Family Medicine Unit that corresponds to them or Subdelegation of affiliation, from 8:00 a.m. to 3:00 p.m., or during extended hours determined by the Delegation.

The documents to be submitted are official identificationin addition to any document that identifies him as an IMSS pensioner.

The term of the loan cannot exceed 60 installments, while the financial entity must grant the contract and the letter of Libranza with the correct data of the pensioner.

What financial entities have an agreement with the IMSS?

  • Azteca Bank
  • Bancrea
  • Banorte
  • Bayport
  • Cibanco
  • Consubanco
  • credenz
  • creditworthy
  • easy credit
  • Master Credit
  • Dimex
  • E-Cash
  • Exitus Credit
  • GFI Support
  • HSBC
  • Inbursa
  • money
  • Freedom
  • Lumo
  • more payroll
  • Mifel
  • Mount of piety
  • multiva
  • Pre15na
  • Future GNP
  • scotiabank
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No financial institution can charge commissions to users for payments or early settlements, in accordance with the provisions of the social security institute.

In case you need a loan on account of your pension with a participating financial institution, take into account the following:

  1. The monthly discount will in no case exceed 30% (thirty percent) of the amount of your monthly pension.
  2. Likewise, considering the monthly discount, your pension may not be reduced to an amount lower than the average of the guaranteed pensions (1 minimum salary and 60 years of age) of the table of article 170 of the current LSS.
  3. The term of the loan shall not exceed 60 (sixty) months.
  4. Check the conditions offered by the financial institution before requesting it.
  5. The financial entity that grants you the loan will give you a copy of the contract and the Libranz Letter -duly filled out-. Do not forget that the Letter of Libranza contains the amount of the requested loan, monthly discount, the term and the Total Annual Cost (CAT). It also has your signature and fingerprint.
  6. The requested amount of the loan must coincide with the deposit of the financial entity in the account where you receive your pension (within a period not exceeding 5 days during banking hours).
  7. Remember! If you change your bank account for the payment of your pension before the IMSS, you will not be able to request a loan in 3 months in this modality.
  8. The financial institution should NOT charge you commissions for payments or early settlement.

It is important that people who apply for loans on account of the IMSS pension consult the terms and conditions of each bank before applying for the credit.

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