The we lend issste, are those offered by the Institute of Security and Financial Services from pledge loans, personal loans, consumer loans such as to change your car or to buy another car and also offers mortgage loans and for an emergency, through FOVISSSTE.
Issste loans for automobiles
The we lend issste offered by FOVISSSTE is aimed at the right holders, that is, if you qualify and want to buy a new car or want to renew the one you already have, you can apply for the credit, because FOSSSTE offers it to you after signing an agreement with automotive agencies so that as a customer you obtain discount of between 6 and 19% on the list price or the commercial price.
Requirements to apply for issste loans for automobiles
- As a requirement you must be a temporary worker or worker in the service of the state with an antiquity of 6 months to a day.
- Enter the ISSSTE website and obtain the loan application form.
- Quote the car you want in the participating agencies and agreed with the agency that finances your loan and at the same time you will choose the type of insurance according to your needs and a letter of credit will be generated that you will deliver to the agency that you have chosen and will agree at the same time when the car will be delivered to you along with the policy.
- Then come to the ISSSSTE and start managing the process.
Maximum amounts for issste auto loans
- You can request a maximum amount of 121,122 pesos if you were trading for 6 months to 5 years.
- You can request a maximum amount of 161,496 pesos if you have contributed for 10 or more years.
- You can request a maximum amount of 141309 pesos if you traded between 5 to 10 years.
Term of issste auto loans
- In the event that you are an active worker, the term of the loan for its repayment is between 48, 60 and 72 installments every 15 days, since the installments are biweekly.
- If you are a pensioner, the term will be between 20, 24 and 26 monthly installments. In this case you will pay monthly installments instead of every fifteen days.
However, each loan has particular characteristics according to the salary and seniority of the worker.
Dealerships participating in issste auto loans
The participating dealerships that offer you discounts between 2 and 19% on the cost of the car are Mitsubishi Motors, Suzuki, Fiat, Jeep, Ford, Peugeot, Nissan, Honda, Seat and Volkswagen.
Loan procedures issste online
The procedures for we lend issste online are easy, if you qualify because you are a pensioner, retired or active beneficiary, follow these steps:
- In the virtual office; www.oficinavirtual.issste, gob.mx chooses the personal loan procedure.
- Enter in Benefits – check your personal loan balance – pay debt.
- Make an inquiry about the amount and also the conditions of the loan and after you have the loan application already authorized via the internet, print it.
- When you have the authorized and printed loan application with you, go to the Sub-delegation of Benefits according to the delegation you have chosen and do so together with the corresponding documentation.
Your documentation must be validated, then you will appear at the Cashier and collect the check with the loan amount.
Remember that this is a type of free and immediate procedure.
Required documentation
The documentation that you must have with you when you go to the delegation you chose is:
- The complete application with the information requested and with the certification of the human resources area of the company where you work if you are an active worker.
- In the event that you are a pensioner, then the certification corresponds to the pension area of the regional or state delegation or to the SAIJUP, Comprehensive Care System for Retirees and Pensioners.
- The last proof of the deductions and perceptions that you can request from the agency or the entity where you provide services.
- The original proof of address that is not older than 60 business days. It can be the bank statement in your name, the water bill, the electricity bill, the property or telephone bill.
- Original and copy of the professional identity card or passport or the valid voting credential.
- Have with you the CURP, unique population registration code and you will generate your username and password on the ISSSTE page.
Face-to-face processing of issste loans
If instead of carrying out the procedure online, you prefer to do it in person, you can also do it that way:
- Go to the sub-delegation of benefits according to the delegation you choose.
- When you show up, take the required documentation with you.
- All your documents must be validated, for which you will receive their validation.
- You will know the place with the date for the receipt of the check, go punctually s that place on the date indicated.
Personal issste loans
The issste offers you special, ordinary, extraordinary personal loans for victims, for the acquisition of durable goods if you are a pensioner or worker with an antiquity of at least 6 months with a total incorporation to the social security regime and if you comply with all the requirements.
Ordinary issste loans
- You can access a maximum amount of 17,550 if you have an antiquity of between 6 months and 5 years and you will pay it in 48 fortnights.
- You access 22100 if you have an antiquity of between 5 to 10 years and you will pay it in 36 fortnights.
- You can access a maximum amount of 25,350 pesos if you have an antiquity of between 10 to 15 years and you will pay it in 24 fortnights.
- You access 28,600 pesos with an age of between 15 to 20 years and you will pay it in 24 fortnights.
You can access a maximum amount of 31200 pesos with an antiquity of more than 20 years and you will pay it in 18 fortnights.
Special issste loans
- You can access a maximum amount of 98009.60 pesos with an age of between 6 months to 5 years with a return period of 32 months.
- Accessing the same amount above if your seniority is between 5 to 10 years the return period is 40 months.
- If you are older than 10 years, the return period is 48 months.
Damaged issste loans
1. You can access a fixed amount of 30,000 pesos without refinancing at a rate of 9% and a repayment term of between 72 and 120 months.
Online consultation of your issste loan
If you have any questions and therefore need more information, you can:
- Communicate with the CAPP personal loan service center, through email: [email protected]
2. You can also communicate by phone by calling (01 545) 4000 – 1000 option 5.