Crédito Nómina Banamex

The ideal partner to get your dreams

Crédito Nómina Banamex



The loan for those who receive their payroll in Banamex.


Have a trip, remodel your home, have a party or pay your debts or stay with one paying less interests.

Take the opportunity to use your Crédito Nómina Banamex with excellent interest rate1. From 19%2 annual plus VAT, if you are employee and 25%5 annual plus VAT if you are pensioned. All this only for be a customer of Nómina Banamex.

One advantage of this is that credit is re disposable, that is, while you're paying you can use it again. For example, if you have a credit line of $ 10,000 already paid $ 5,000 the latter you can reorder and use.

Even without credit references, you can get up to eight months' salary or $ 80,0003 depending on your ability to pay. Or if you have references4. Banamex Payroll Credit offers from $ 2,000 to $ 500,000 (MXN).

Previously selected customers, who receive their payroll with Banamex and receive an invitation at home (does not apply to pensioners).



Credit in local currency, offered by Banco Nacional de México S.A. member of the financial group Banamex.

TOTAL ANNUAL COST (TAC) AVARAGE for employees 29 % of VAT. Fixed rate. Considered for a credit line of $ 100,000.00, with average interest rate of 25.6% and a term of 36 months. Pensioner CAT AVERAGE 28.1% of VAT fixed rate. Considered for a credit line of $ 100,000.00, with an average interest rate of 25% within 60 months. For informational and comparison purposes. March 2015 calculation date.

1 Payments are fixed principal and interest, if they do not do new provisions. If you make a new provision, the outstanding balance is calculated as the term originally rehired.
2 The interest rate will be assigned to the client according to their credit profile.
3 Subject to conditions, data verification and credit analysis.
4 References loan six months or more old.
5 Promotion rate of 25% cin force at December 31st 2015.



  • Once approved, you can enjoy your credit just go to a branch.
  • You can use it as often as you want, and you can rearrange the part of the balance you've already paid through ATMs Banamex, calling the Call Center or visiting your nearest Banamex Branch.
  • The amount payable each month will be fixed 1. This is calculated according to the rate and the amount that you give the bank.
  • You do not have to worry about making payments on branch, as they are automatically charged to your account daily4 and 19 of each month if your frequency is monthly.
  • If you want to make a payment in advance. Check here the means and methods of payment.
  • You can check your balance at ATMs and make movements without cost.
  • The deadlines are 36 and 48 months often Biweekly payment 2. And often 60 months Monthly payment 2.
  • In case of death, you have a release latch debt 3.
  • No fee for opening or annuity. No need to justify the intended use. You can apply other credits if your credit history and ability allows.
Important Information

If your employer determines the bank to change the dispersion of your salary or pension, we inform you that you are entitled to keep your account in Banamex and request the bank where you make the dispersion pattern of your salary or pension, to transfer without cost all of those resources to your Banamex account. In any case, we remind you that you must continue making payments on your credit payroll force with Banamex either by post to your account at Banamex to keep this or if it does not have enough balance, you must make the payment directly on branches Banamex either, giving Banamex a new debit authorization for payment of your credit from your new account. For more information contact 01800 021 2345.

1 Payments are fixed principal and interest, if they do not do new provisions. If you make a new provision, the outstanding balance is calculated as the term originally rehired.
2 If you make a new provision, the outstanding balance is calculated as the term originally rehired.
3 Three insurance restrictions apply. It is a requirement that you are current on your payments for the benefit of insurance. Banamex reserves the right to carry out cancellation insurance prior notice, in accordance with the terms of the contract.


To check the terms and conditions of the Debt Insurance in case of death, visit: Debt Insurance in case of death.

Recommendations: Timely payment allows you to have a satisfactory credit history.
"If payment of periodic amounts is made by automatic service your payroll account position, he must have availability of funds in the payment dates for the proper management of your credit and avoid paying penalty interest".



Requirements

  • Be an individual with Mexican foreign to current Permanent Resident Card.
  • Be between 18 years and 79 years 11 months.
  • Receive your salary in Tarjeta Pagomático or Perfil Ejecutivo, Cuenta Maestra Tradicional, Cuenta Maestra Opción and Cuenta Perfiles Banamex.
  • Have minimum monthly income of $2,000.00 pesos (for active workers) or $1,500.00 pesos (for retirees).
  • Have over three months' seniority at the company.
  • Submit current official ID.
  • Certificate of address (in case your current address is other than the address in your voting credentials).
  • Proof of income commissions.
  • No fee for opening and annuity.
  • Fee for $50 plus tax (periodicity of the commission, per event). No commission will be charged on the first drawdown.
  • Commission statement printing $30 plus tax (periodicity of the commission, per event).

Contact details:

Special Unit for Customer Service
Address: 16 de Septiembre 71, 4° piso, Colonia Centro, C.P. 06000, México D.F.
Telephone: 1226 2639, toll-free line 01 800 021 2345
E-mail: aclaracionesbmx23@banamex.com
Web site www.banamex.com



TOTAL ANNUAL COST (TAC) Average employee 29.0% VAT excluded. Fixed rate. It is considered to calculate a credit line of $100,000.00, with an average interest rate of 25.57% over a period of 36 months. For retirees CAT AVERAGE 28.1% VAT excluded, fixed rate. It is considered to calculate a credit line of $ 100,000.00, with an average interest rate of 25% a period of 60 months. For information and comparison purposes. March 2015 date calculation.

Note that: Failure to comply with your obligations you can generate fees and penalty interest.
Hiring credits above your ability to pay may affect your credit history.

  •