Crédito Personal Banamex



     
A loan tailored to your needs, so that you can use the money as you want, whenever you want, with the guarantee that the rate and payments are fixed during the whole loan term.

With Banamex Personal Loan, you have the safety and confidence of knowing from the beginning how much you pay every month and how much the total amount to be paid will be when you finish the credit term.

It may be useful to immediately finance any short-term project as the credit use is not important.

YOU MAY GO ON A VACATION, REMODEL YOUR HOME, START YOUR OWN BUSINESS OR PAY OTHER DEBTS WITH YOUR BANAMEX PERSONAL LOAN!



Benefits

  • You may request it at any Citibanamex Branch in Mexico.
  • The procedure is fast and easy.
  • Your credit is immediately pre-authorized.
  • You may choose the term.
  • Fixed interest rate.
  • You may use it at will.
  • Immediate authorized amount withdrawal.
  • Convenient monthly payments
  • Payments may be made through different means: debit from your account, BancaNet or at the cashier's desk in any Citibanamex Branch
  • With Banamex Personal Loan you can chose either 100%, 80% or 60% of the approved credit amount.
  • No penalty if you decide to pay earlier.
  • Upon repayment of this credit, you may apply for another.


Timely payment allows you to have a satisfactory credit history.

If the monthly payment is made through automatic debit charge, your checking account must have funds available on payment dates for the proper handling of your credit and avoid paying penalty interest. You may request to cancel the automatic charge service at any time with no cost; in which you will need to make payments directly through Banamex branches or BancaNet.



  • Payment terms of 12, 24, 36, 48 and 60 months.
  • Fixed and attractive interest rate.
  • Monthly fixed payments.
  • Credit use is not conditioned.
  • Easy withdrawal by credit on your Checking Account.
  • No penalty for early payments.
  • Debt release insurance for death cost free1.

What's the minimum and maximum credit you may apply for2?
Maximum amount: $600,000.00 pesos3. (Banamex Personal Loan is granted in Mexican pesos)

Fees:

Opening: 2.0% plus VAT of the requested amount, which is added to the total credit amount and is paid in the agreed term4.

AVERAGE Total Annual Cost (TAC): 26.3% VAT excluded. Fixed Rate. Information. Calculated at February 2017. Valid through June 12th, 2017. Fees and requirements in www.citibanamex.com

Annual Payment: $0.00

Printing of credit statement at a Citibanamex Branch: $100 + VAT

Collection costs: $300 + VAT. They will be charged for each month or payment delay fraction, until the third overdue monthly payment



1 Insurance company terms and conditions apply.
2 Subject to meeting requirements, data verification and credit analysis
3 Granted based on payment capacity.
4 Total or partial pre-payments, at any time, will not generate the refund of the opening fee or any amount or portion.

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



VERY EASY TO OBTAIN!


Go to the Banamex Branch of your choice and fill in an Application-Contract

Minimum Requirements:

  • Individuals or entities with business activity.
  • Mexican or foreign with permanent resident card.
  • Between 21 years and 79 years 11 months.
  • Minimum monthly income $3,000
  • Have a telephone line at the address
  • Current official ID
  • Pay slip:
  • Certificate of address1

Upon authorization of the credit line, the amount will be deposited in your checking account (Tradicional, Maestra, Productor Perfiles)

GET TO ANY OF OUR BRANCHES WITH YOUR VALID DOCUMENTATION AND IMMEDIATELY RECEIVE YOUR PERSONAL LOAN!


Get pre-authorization for your loan application immediately in only 10 minutes!



1 Only in the case that the address stated in the application is other than the ID address.

Contact: Customer service for doubts or clarification
Special Unit for Banamex Clients Service:
Address: 16 de Septiembre # 71 4º Piso, Col. Center, Zip Code 06000, Mexico F.D.
Mexico City telephone: 1226 2639 and toll-free line: 01 800 021 2345
E-mail: aclaracionesbmx23@banamex.com

National Committee for the Protection and Defense of Financial Services Users (CONDUSEF)
Telephone in Mexico City: 5340 0999 and toll-free line: 01 800 999 8080
Web site: www.condusef.gob.mx
E-mail: opinion@condusef.gob.mx

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