Requisitos para Crédito Hipotecario Bancomer: Documentos requeridos y tipos de créditos que ofrece Bancomer

¿Ya tienes las condiciones económicas para solicitar un préstamo? Los requisitos para tramitar una hipoteca Bancomer: que es, documentos y ventajas, Esta institución  puede brindarle las condiciones más cómodas y convenientes para comprar vivienda, terreno o simplemente pagar en efectivo por liquidez, lea atentamente hasta el final.

Para el contenido anterior, lo invitamos a seguir leyendo.

ESTO ENCONTRARÁS AQUÍ

Requisitos para Crédito Hipotecario Bancomer

Para brindar a los clientes diferentes opciones, Bancomer requiere que se cumplan los siguientes requisitos:

  • La edad mínima es veinticinco (25) años.
  • Planifique pagos mensuales para completar el pago total del crédito antes de los ochenta y cinco (85) años.
  • Tener un historial crediticio limpio y no haber retrasado el pago de otros préstamos bancarios (incluidas las tarjetas de crédito).
  • Tener como tiempo mínimo de historial crediticio en correspondencia con el precio de la vivienda:
  • Aplicable a casas de menos de $ 1,500,000, el tiempo mínimo es de 3 meses.
  • Para casas con un valor de más de $ 1,500,000, al menos un (1) año de historia (si hay dependencia financiera)
  • Para casas por valor de más de $ 1,500,000, al menos dos (2) años, si no hay dependientes económicos
  • Tener un  Seguro de Vida y un Seguro de pérdida de propiedad.
  • Conviértase en una persona física, profesional independiente o participe en actividades comerciales.

En el caso de que tengas una casa y el préstamo hipotecario se utilizará para otros fines Y tu casa puede ser utilizada como tu aval de crédito, tienes que considerar cumplir con los siguientes requisitos:

  • La casa debe estar ubicada en  zona urbana o suburbana
  • La vida útil restante es igual o mayor que el plazo del préstamo
  • Sin procedimientos de supervisión territorial o judicial en curso
  • Tiene que contar con los servicios básicos de agua, luz, drenaje y pavimentación.
  • Asignación mínima de habitaciones: comedor, 2 recámaras, 1 baño completo, estacionamiento.

Además, Bancomer requiere una póliza de seguro durante el período de la hipoteca, en este caso, la cobertura de vida de los trabajadores dependientes, la invalidez total y permanente y el desempleo.

Además de la hipoteca de terrenos fijos de Bancomer, también se ofrece un seguro de indemnización por daños, cubre incendios, inundaciones, ampliaciones de techo, primeros peligros, terremotos y erupciones volcánicas que pueda sufrir la propiedad, y responsabilidad civil.

👉Esto te Interesa:  Requisitos para entrar a Pemex: Qué es Pemex, sus servicios y cómo postularse

Documentos requeridos

Luego de confirmar los requisitos, Bancomer deberá aportar los siguientes documentos:

  • Identificación válida: tarjeta de identificación, licencia de conducir, pasaporte, tarjeta de votante.
  • Documentos que puedan acreditar ingresos: certificado de trabajo, recibo de pago, extracto bancario, trabajador independiente: la declaración de impuestos sobre la renta más reciente, Estado de cuenta de los últimos seis meses (si es cliente de Bancomer en los últimos dos meses).
  • Comprobante de domicilio actual
  • Planilla  llena y firmada de Solicitud de crédito hipotecario
  • Formato llenado y firmado de Solicitud de domiciliación de pago
  • Carta firmada autorizando la consulta en la oficina de crédito.

Deben aparecer en los puntos relacionados con el plan de soporte del Infonavit o Fovissste:

  • Infonavit: número de membrecía del IMSS y recibo de pago de los últimos tres meses
  • Fovissste: Recibo de pago y CURP de los últimos tres meses

Qué es un Crédito Hipotecario

El crédito hipotecario es un préstamo monetario otorgado por una institución bancaria bajo garantía hipotecaria, Se solicita con frecuencia comprar, reconstruir o reparar casas.

Pero también hay otras finalidades, y hay condiciones específicas que se pueden devolver a largo plazo, según la capacidad de pago del solicitante.

El banco aporta el dinero y sale de la casa como garantía para pagar el préstamo, transferir la propiedad de los activos al deudor hasta que se devuelva todo el dinero prestado.

Es importante considerar que dentro del plazo de amortización del préstamo no se debe violar la obligación obtenida, Porque puede incurrir en tarifas e intereses predeterminados, lo que manchará su historial crediticio.

Debes asegurarte de que el crédito contratado no exceda tu capacidad de pago, y también tiene derecho a solicitar un presupuesto vinculante para comparar diferentes opciones de crédito.

Tipos de créditos Hipotecarios Bancomer

Bancomer presenta una extensa lista de hipotecas, a continuación te mostramos un resumen de estas hipotecas:

  1. Hipoteca Bancomer Fija: El crédito puede mantener un límite de pago mensual fijo durante todo el período de validez y se puede pagar por adelantado, sin penalización, la tasa de interés anual fija es de 11,20, la comisión de apertura es del 0%.
  2. Bancomer Residencial: Con un pago inicial o un pago inicial más alto, puede obtener una mejor tasa de interés. Para financiar hasta el 80%, la tasa de interés anual fija es 10,75% y la tasa de interés anual fija es 10,50% hasta 70% de financiación, tasa de interés fija anual del 10,25%, hasta 60% de financiación, 0% de comisión de apertura de cuenta.
  3. Hipoteca Bancomer Creciente: Se caracteriza por tasas de interés crecientes, el monto de amortización mensual inicial es bajo, y desde el segundo año hasta el decimocuarto año a una tasa anual de 2.2%, hasta alcanzar un pago mensual fijo de principal e interés ordinario, lo que posibilita una mayor poder adquisitivo, con un plazo de pago de hasta 20 años
  4. Hipoteca Bancomer Residencial: Bajo tasas de interés normales relacionadas con el monto del pago inicial, cuanto mayor sea el pago inicial, menor será la tasa de interés. La tarifa de apertura de la tarjeta es del 0%.
  5. Bancomer Fija Pago de Pasivos: El propósito del préstamo es pagar una deuda hipotecaria a otra institución financiera o mejorar las condiciones de otro préstamo hipotecario previamente suscrito con Bancomer.
  6. Hipoteca Bancomer Fija Mejora tu Casa: Se caracteriza por una tasa de interés normal y un pago mensual fijo, que se utiliza para la remodelación, ampliación o extinción del crédito hipotecario.
  7. Hipoteca Bancomer Tu Opción en México: Planee comprar una casa y pagar una tarifa mensual fija durante el período del préstamo, con una tasa de interés anual fija del 11,10%.
  8. Bancomer Fija Terreno: Está previsto que se utilice para la adquisición de terrenos, con una tasa de interés fija anual del 14%, un pago mensual fijo para todo el período del préstamo y una tasa de apertura del 0%.
  9. Hipoteca Bancomer Fija Liquidez: Destinado a la obtención de liquidez, pagos mensuales fijos con una tasa de interés fija anual del 13,70%.
👉Esto te Interesa:  Estado de Cuenta Financiera Independencia: Cómo descargarlo, su impresión y qué es la Financiera Independiente

Beneficios de Bancomer para Créditos Hipotecarios

Recomendamos comparar las distintas cotizaciones que se ofrecen en el mercado hipotecario y elegir la que mejor se adapte a sus condiciones y no le cause problemas en el futuro.

BBVA Bancomer cuenta con una extensa lista con las siguientes ventajas generales:

  • Mientras el tiempo del préstamo, puede contar con una tasa de interés fija y un reembolso mensual.
  • Financiamiento hasta el 80% del monto total de la propiedad
  • Desde $ 600,000 a crédito
  • El período de pago es de 20, 15, 10 o 5 años.
  • Puedes asociar tu reputación con planes de soporte como INFONAVIT o Fovissste.
  • Deducible de impuestos por interés real.
  • Pueden reducir de manera flexible los pagos regulares y mensuales sin ser multados pagando por adelantado.

Qué es Bancomer

BBVA México (nombre de la empresa: BBVA Bancomer, S.A., Institución de Banca Múltiple, Grupo Financiero BBVA Bancomer) es una subsidiaria bancaria mexicana propiedad de BBVA, fundada en 1932, y anteriormente conocida como Banco de Comercio (Bancomer). Desde el año 2000, Bancomer es adquirida por BBVA.

En 2019, BBVA comenzó a unificar su nombre a nivel mundial. Para 2020 se eliminará la marca «Bancomer» y solo se llamará BBVA.

Para el 2020, BBVA Bancomer se convertirá en el grupo financiero más importante del país, superando a instituciones sólidas como Banorte y su competidor directo CitiBanamex. A septiembre de 2019, BBVA Bancomer tenía activos por 2 billones 3033,7 mil millones de pesos, lo que representa el 22,9% del sistema bancario del país.

Para 2020, BBVA México cuenta con una red de 1,814 sucursales y 12,925 cajeros automáticos

Servicios que ofrece Bancomer

Esperamos que este contenido te haya sido de mucha ayuda, gracias por leernos.

¡Éxitos en su tramite!

114 comentarios en «Requisitos para Crédito Hipotecario Bancomer: Documentos requeridos y tipos de créditos que ofrece Bancomer»

  1. I loved as much as you will receive carried out right here. The sketch is tasteful, your authored subject matter stylish. nonetheless, you command get got an shakiness over that you wish be delivering the following. unwell unquestionably come further formerly again since exactly the same nearly a lot often inside case you shield this increase.

  2. My partner and I absolutely love your blog and find most of your post’s to be precisely what I’m looking for. Do you offer guest writers to write content for yourself? I wouldn’t mind composing a post or elaborating on some of the subjects you write about here. Again, awesome site!

  3. Greetings from California! I’m bored to death at work so I decided to browse your blog on my iphone during lunch break. I love the knowledge you provide here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, superb site!

  4. I discovered your blog site on google and test a couple of of your early posts. Proceed to maintain up the excellent operate. I simply further up your RSS feed to my MSN News Reader. Searching for ahead to studying more from you afterward!…

  5. Magnificent site. Plenty of helpful information here. I¦m sending it to a few pals ans additionally sharing in delicious. And of course, thanks to your effort!

  6. Simply want to say your article is as amazing. The clarity in your post is simply nice and i could assume you’re an expert on this subject. Well with your permission allow me to grab your feed to keep up to date with forthcoming post. Thanks a million and please keep up the gratifying work.

  7. I’m typically to running a blog and i actually recognize your content. The article has really peaks my interest. I am going to bookmark your website and keep checking for brand spanking new information.

  8. Hi, i read your blog from time to time and i own a similar one and i was just wondering if you get a lot of spam comments? If so how do you protect against it, any plugin or anything you can recommend? I get so much lately it’s driving me mad so any help is very much appreciated.

  9. I’ve been surfing online greater than 3 hours as of late, but I never found any attention-grabbing article like yours. It’s beautiful worth enough for me. In my view, if all web owners and bloggers made excellent content material as you probably did, the internet shall be much more helpful than ever before.

  10. Hmm it looks like your website ate my first comment (it was super long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to the whole thing. Do you have any helpful hints for inexperienced blog writers? I’d definitely appreciate it.

  11. In the awesome design of things you actually get a B- for hard work. Where you actually misplaced everybody was first in the particulars. You know, as the maxim goes, the devil is in the details… And that couldn’t be more true at this point. Having said that, let me inform you exactly what did do the job. The text can be quite engaging which is most likely why I am making the effort in order to comment. I do not really make it a regular habit of doing that. Second, although I can notice the leaps in reason you make, I am definitely not sure of just how you seem to connect the points that produce the conclusion. For right now I will, no doubt subscribe to your issue but hope in the future you link your dots much better.

  12. Can I just say what a relief to find someone who actually knows what theyre talking about on the internet. You definitely know how to bring an issue to light and make it important. More people need to read this and understand this side of the story. I cant believe youre not more popular because you definitely have the gift.

  13. This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want…HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!

  14. Whats up very nice website!! Man .. Beautiful .. Amazing .. I will bookmark your blog and take the feeds alsoKI’m glad to search out so many helpful info right here in the publish, we want develop extra strategies in this regard, thanks for sharing. . . . . .

  15. This is really interesting, You are a very skilled blogger. I’ve joined your rss feed and look forward to seeking more of your fantastic post. Also, I have shared your site in my social networks!

  16. Hi there I am so glad I found your weblog, I really found you by error, while I was looking on Bing for something else, Nonetheless I am here now and would just like to say many thanks for a tremendous post and a all round enjoyable blog (I also love the theme/design), I don’t have time to look over it all at the moment but I have saved it and also included your RSS feeds, so when I have time I will be back to read much more, Please do keep up the awesome job.

  17. Howdy I am so thrilled I found your site, I really found you by accident, while I was researching on Aol for something else, Nonetheless I am here now and would just like to say thanks for a marvelous post and a all round interesting blog (I also love the theme/design), I don’t have time to go through it all at the moment but I have saved it and also included your RSS feeds, so when I have time I will be back to read a lot more, Please do keep up the fantastic work.

  18. Throughout this awesome scheme of things you’ll receive a B+ just for effort. Where exactly you actually misplaced everybody ended up being in your details. You know, they say, details make or break the argument.. And that couldn’t be more true here. Having said that, allow me say to you exactly what did work. The authoring can be really convincing and this is probably why I am taking an effort in order to comment. I do not make it a regular habit of doing that. Secondly, whilst I can easily see a leaps in reasoning you come up with, I am definitely not certain of how you appear to unite your points which help to make the actual conclusion. For right now I will, no doubt subscribe to your issue however trust in the foreseeable future you actually connect your facts much better.

  19. What I have seen in terms of laptop memory is always that there are requirements such as SDRAM, DDR and the like, that must match up the specs of the mother board. If the personal computer’s motherboard is reasonably current and there are no operating-system issues, upgrading the storage space literally requires under 1 hour. It’s among the easiest computer upgrade techniques one can imagine. Thanks for sharing your ideas.

  20. I have read some good stuff here. Definitely price bookmarking for revisiting. I wonder how so much attempt you place to make this type of magnificent informative web site.

  21. Do you have a spam issue on this blog; I also am a blogger, and I was wanting to know your situation; we have created some nice methods and we are looking to swap strategies with other folks, please shoot me an email if interested.

  22. Very nice post. I simply stumbled upon your weblog and wished to say that I’ve truly loved browsing your blog posts. In any case I will be subscribing for your feed and I’m hoping you write once more very soon!

  23. Today, taking into consideration the fast life-style that everyone is having, credit cards have a huge demand throughout the market. Persons out of every discipline are using credit card and people who aren’t using the credit cards have prepared to apply for 1. Thanks for expressing your ideas about credit cards.

  24. I’m really loving the theme/design of your site. Do you ever run into any internet browser compatibility issues? A handful of my blog audience have complained about my blog not operating correctly in Explorer but looks great in Firefox. Do you have any advice to help fix this problem?

  25. Great ? I should definitely pronounce, impressed with your website. I had no trouble navigating through all the tabs as well as related info ended up being truly easy to do to access. I recently found what I hoped for before you know it at all. Quite unusual. Is likely to appreciate it for those who add forums or anything, web site theme . a tones way for your client to communicate. Excellent task..

  26. What i do not understood is actually how you’re now not actually a lot more well-preferred than you might be now. You’re so intelligent. You recognize therefore considerably in relation to this topic, made me individually consider it from a lot of varied angles. Its like women and men don’t seem to be interested until it?¦s one thing to do with Woman gaga! Your personal stuffs excellent. Always maintain it up!

  27. I do love the manner in which you have framed this situation and it really does provide me personally some fodder for thought. Nonetheless, through what I have experienced, I just simply hope when other comments pack on that people stay on point and not embark upon a tirade of some other news du jour. Still, thank you for this superb point and although I can not necessarily go along with it in totality, I value your point of view.

  28. Thanks for the sensible critique. Me & my neighbor were just preparing to do a little research about this. We got a grab a book from our local library but I think I learned more from this post. I am very glad to see such wonderful information being shared freely out there.

  29. Great work! This is the type of info that should be shared around the net. Shame on Google for not positioning this post higher! Come on over and visit my website . Thanks =)

  30. This is the right blog for anyone who wants to find out about this topic. You realize so much its almost hard to argue with you (not that I actually would want…HaHa). You definitely put a new spin on a topic thats been written about for years. Great stuff, just great!

  31. Hello there, just became alert to your blog through Google, and found that it’s truly informative. I’m gonna watch out for brussels. I’ll appreciate if you continue this in future. A lot of people will be benefited from your writing. Cheers!

  32. Nice read, I just passed this onto a colleague who was doing some research on that. And he actually bought me lunch as I found it for him smile So let me rephrase that: Thank you for lunch!

  33. I’ve been surfing online more than 3 hours today, yet I never found any interesting article like yours. It’s pretty worth enough for me. In my opinion, if all website owners and bloggers made good content as you did, the internet will be a lot more useful than ever before.

  34. Greetings from Florida! I’m bored at work so I decided to browse your website on my iphone during lunch break. I enjoy the information you present here and can’t wait to take a look when I get home. I’m shocked at how quick your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, wonderful site!

  35. Unquestionably believe that that you stated. Your favourite reason seemed to be on the internet the easiest thing to take into account of. I say to you, I definitely get irked even as other people consider issues that they plainly do not recognize about. You controlled to hit the nail upon the top as well as defined out the whole thing without having side-effects , other folks could take a signal. Will likely be again to get more. Thanks

  36. Great site you have here but I was wondering if you knew of any forums that cover the same topics discussed in this article? I’d really love to be a part of online community where I can get responses from other knowledgeable people that share the same interest. If you have any suggestions, please let me know. Thank you!

  37. Very nice post and straight to the point. I don’t know if this is in fact the best place to ask but do you folks have any thoughts on where to hire some professional writers? Thank you 🙂

  38. I’ve been surfing on-line more than three hours today, yet I by no means discovered any interesting article like yours. It¦s pretty price enough for me. In my view, if all webmasters and bloggers made excellent content material as you probably did, the net shall be much more helpful than ever before.

  39. Thanks for the advice on credit repair on this blog. The things i would offer as advice to people is always to give up a mentality that they buy today and pay later. As a society most people tend to make this happen for many issues. This includes vacation trips, furniture, as well as items we wish. However, it is advisable to separate your wants from the needs. While you’re working to improve your credit rating score you really have to make some trade-offs. For example you possibly can shop online to save money or you can check out second hand suppliers instead of costly department stores to get clothing.

  40. I can’t believe how amazing this article is! The author has done a fantastic job of delivering the information in an captivating and educational manner. I can’t thank her enough for providing such priceless insights that have definitely enriched my knowledge in this topic. Kudos to him for creating such a masterpiece!

  41. Hi, just required you to know I he added your site to my Google bookmarks due to your layout. But seriously, I believe your internet site has 1 in the freshest theme I??ve came across. It extremely helps make reading your blog significantly easier.

  42. When I initially commented I clicked the «Notify me when new comments are added» checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove people from that service? Thank you!

  43. I like what you guys are up too. Such smart work and reporting! Keep up the excellent works guys I?ve incorporated you guys to my blogroll. I think it will improve the value of my web site 🙂

  44. I?ve been exploring for a little bit for any high-quality articles or blog posts on this kind of area . Exploring in Yahoo I at last stumbled upon this site. Reading this information So i am happy to convey that I have a very good uncanny feeling I discovered exactly what I needed. I most certainly will make sure to don?t forget this web site and give it a look regularly.

  45. Nice weblog right here! Also your web site a lot up very fast! What web host are you the usage of? Can I get your affiliate hyperlink for your host? I desire my site loaded up as fast as yours lol

  46. Good ? I should definitely pronounce, impressed with your site. I had no trouble navigating through all tabs as well as related info ended up being truly simple to do to access. I recently found what I hoped for before you know it in the least. Reasonably unusual. Is likely to appreciate it for those who add forums or anything, web site theme . a tones way for your customer to communicate. Excellent task..

  47. Fantastic beat ! I would like to apprentice whilst you amend your site, how could i subscribe for a blog site? The account aided me a acceptable deal. I have been a little bit acquainted of this your broadcast provided brilliant clear concept

  48. I’ve been browsing online more than 3 hours as of late, yet I by no means found any fascinating article like yours. It¦s beautiful worth enough for me. In my view, if all site owners and bloggers made good content material as you did, the net shall be much more useful than ever before.

  49. This is hands down one of the finest articles I’ve read on this topic! The author’s comprehensive knowledge and passion for the subject are evident in every paragraph. I’m so appreciative for stumbling upon this piece as it has enhanced my understanding and sparked my curiosity even further. Thank you, author, for dedicating the time to craft such a phenomenal article!

  50. Greetings I am so glad I found your weblog, I really found you by error, while I was looking on Digg for something else, Nonetheless I am here now and would just like to say thanks for a marvelous post and a all round entertaining blog (I also love the theme/design), I don’t have time to look over it all at the moment but I have bookmarked it and also added your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the superb work.

  51. I feel this is among the most significant info for me. And i’m satisfied studying your article. But want to statement on few basic issues, The website taste is great, the articles is in point of fact nice : D. Just right activity, cheers

  52. Youre so cool! I dont suppose Ive read something like this before. So good to search out any individual with some authentic ideas on this subject. realy thanks for starting this up. this website is something that is needed on the net, someone with a little originality. helpful job for bringing something new to the internet!

  53. Its like you read my mind! You appear to know a lot about this, like you wrote the book in it or something. I think that you could do with a few pics to drive the message home a little bit, but instead of that, this is great blog. A fantastic read. I’ll certainly be back.

  54. Howdy! Do you know if they make any plugins to assist with SEO? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Appreciate it!

Deja un comentario