Fonacot

banco del bienestar

El Fondo Nacional para el Consumo de los Trabajadores, o FONACOT, fue creado el 2 de mayo de 1974 por decreto presidencial. El FONACOT es una institución financiera creada por el gobierno central de México con el propósito de proporcionar acceso al crédito al consumo a los trabajadores mexicanos, necesario para la adquisición de bienes y servicios duraderos esenciales.

El objetivo del programa es permitir que los trabajadores con salarios mínimos en México mejoren su situación material dándoles la posibilidad de obtener créditos a tasas razonables. El FONACOT está sujeto a la más estricta supervisión bancaria, y los requisitos son supervisados por la Comisión Nacional Bancaria y de Valores (CNBV). Para garantizar la transparencia y la equidad, la institución también depende de la Auditoría Superior y es auditada por diversas agencias calificadoras de valores, intermediarios e inversionistas.

El crédito se otorga a los inscritos a través de dos métodos: tarjetas de crédito prepagadas y depósitos en efectivo. Cuando un comprador requiere asistencia crediticia a través del programa, el dinero se carga en una cuenta virtual y en una tarjeta de crédito en los tres días siguientes a la solicitud. Alternativamente, el comprador puede hacer que el dinero se deposite directamente en su cuenta bancaria en un plazo de tres días. Aunque el FONACOT no es una prestación obligatoria del gobierno federal, las empresas suelen optar por administrar el programa a través de sus departamentos de finanzas para ofrecer créditos al consumo a los trabajadores mexicanos como medio para desalentar la rotación de personal y reforzar la retención de los empleados.

fonacot appointments

With the incorporation of Crédito Mujer Efectivo to this tool, users interested in acquiring this type of financing will be able to learn about its benefits, compare it with other options on the market and make the decision that best suits them.

“Women have shown us that they take the commitment of a credit very seriously and we support them with the best credit conditions we can provide,” said the official.

In this regard, the head of Fonacot recalled that at the beginning of November, the rates of Crédito Mujer Efectivo decreased in all its terms and discount levels, with the exception of the 6-month term, whose rate is 8.9 percent and a Total Annual Cost of 23.1 percent.

“Currently, with the recent reduction in our interest rates, the highest rate offered by Crédito Mujer Efectivo is 19.14 for the 30-month term; however, in the 6-month term the interest rate is 8.9 percent, that is, you will not find a lower rate in payroll loans,” the official explained.

fonacot loans 2021

The Fondo Nacional para el Consumo de los Trabajadores (Fonacot) offers the possibility of accessing a cash loan. This represents advantages for those who want to acquire durable goods such as refrigerators or other household appliances or furniture necessary for the home. At the same time, it is a good liquidity option, with immediate availability, to face financial or health eventualities. If you are interested in knowing how to access this type of credit, here we explain it to you.

The Fonacot loan is a loan that is deposited in your payroll account within 48 hours. The maximum amount of credit that can be granted by this institution is the equivalent of four times your monthly salary. This amount can be paid in several monthly installments, however, the maximum amount that can be deducted directly from your salary is 20% to pay the loan. In this way, the debt can be paid off in a period of between 6 and 30 months.

The Fonacot cash loan is granted without the need for a guarantor and can be paid two months after it is granted. It has a 2% origination fee and payment is made via payroll. It also has credit insurance in case of loss of employment, death, disability or total and permanent disability.

fonacot requirements

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Before this, it is worth taking into account that there are other ways to obtain credits in a safe and simple way, such as the Instituto del Fondo Nacional para el Consumo de los Trabajadores (Fonacot).

In addition, you need to have two personal references. One of these must be a relative, preferably from the same locality and who does not live with you at the same address. You must provide their home phone number, cell phone number, or the phone number of the company where they work.