In order to make different facilities available to workers in the Mexican formal sector, the Mexican State has various organizations and institutions that provide them, one of these being the Institute of the National Fund for Workers’ Consumption, better known as Fonacot.
Under this understanding, let it be known that through Fonacot you can obtain a loan of up to 4 months of salary, complying with a few requirements, and having the money available in less than 2 days, how to do it? We will give you more details soon.
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Requirements
To get a loan of up to 4 times the monthly salary, the following requirements must be met:
*Work center affiliated with Fonacot: the company you work for must be, no matter what, affiliated with Infonacot to be able to process the credit.
*Be over 18 years of age: the worker must be of legal age to apply for the credit.
*Minimum seniority of six months in the current job: a minimum job stability of half a year is necessary to access the credit.
*Cell phone number and personal references: the worker will be asked for contact information to validate the information provided.
*Personal email: You will need to provide an email address to receive financing information.
*Receive income from a minimum wage: Likewise, you must have a minimum income to qualify for the credit.
Meanwhile, the documents requested from the worker at Fonacot are the following:
*Current official identification with photograph and signature: (Voter ID or Passport)
*Permanent Resident Card (for foreign workers with a passport with extension).
*Account statement, list/summary of movements or account opening contract sheet (no older than 3 months) with your full name and the interbank CLABE (18 digits). Check with your bank that you do not have a limit amount for deposits, as it may cause your credit not to be deposited.
*Proof of address with a recent date (no older than 3 months) of any of the following documents:
+Water.
+Predial.
+Landline or mobile phone.
+Light.
+Piped gas.
+Data services (internet).
+Cable television.
*Bank account statement.
*Current voting credential (with your complete address).
*Account statement of your AFORE.
*Account statement from a commercial house.
*Account statement issued by INFONAVIT or FOVISSSTE.
*Last 4 consecutive payroll receipts issued by your Work Center to verify income. The issuance of the last one must not exceed 15 days prior to your procedure.
*Consider that the last payroll receipt is valid after the registration date of the payment period, if your payment is:
+Monthly: should not exceed 31 days.
+Biweekly, fourteenth or weekly: should not exceed 16 days.
+For commission: 4 payroll receipts showing the commission.
It should be noted that, according to the official website, the following documents can also be requested:
*Proof of seniority from the Work Center.
*Letter or official letter from the Work Center confirming permanent fixed payments in cash.
*Letter or official letter indicating the keys and concepts of perceptions and/or deductions.
How much does Fonacot lend you?
Finally, we must not leave aside that although Fonacot can lend up to 4 months of salary, it also takes into account the following elements to define the amount:
*The total of fixed, permanent and cash payments that appear on your payroll receipt.
*The total deductions that appear on your payroll receipt.
*The seniority in your workplace.
*The monthly payment capacity you have as a result of the analysis of your Payroll receipt (perceptions less deductions).
*The discount capacity that you want to be applied to your monthly salary (10%, 15% or 20%).*
*The result of the qualification of your Work Center, carried out by the Institute.
*The selected term of your credit.
*The result of consulting your payment history to a credit information company.
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