Banks often offers loans at subsidiary rates to promote a specific activity or socioeconomic group, it offers loans to different sectors, which are:

  • Loans to people.
  • We lend to SMEs.
  • Loans to the agricultural sector.
  • Loans to companies.

Among the loans for people we find personal credits of free destination, which are:

  • Free Destination Nation: This loan is intended for individuals over 18 years of age who are of active age at the age set for the cancellation of the loan. The amount of this loan line ranges from 1,000 pesos to 100,000 pesos. The maximum cancellation period for this loan is 60 months. The interest rate is combined, the first 18 months fixed and then from month 19 until the end of it is at a variable rate.
  • Nation Salary: This loan is intended for individuals over 18 who receive their salaries through the bank. The amount of this loan line ranges from 1,000 pesos to 150,000 pesos. The maximum cancellation period for this loan is 60 months. The interest rate is combined, the first 18 months fixed and then from month 19 until the end of it is at a variable rate.
  • Public Employees Nation: This loan is intended for individuals over 18 years of age who work in the public sector and receive their salaries through the bank. The amount of this loan line ranges from 1,000 pesos to 250,000 pesos. The maximum cancellation period for this loan is 84 months. The interest rate is combined, the first 18 months fixed and then from month 19 until the end of it is at a variable rate.
  • Express Nation: This loan is intended for individuals over 18 years of age who collect their salaries through the bank, it is granted immediately and without granting expenses. The amount of this loan line ranges from 500 pesos to 6,000 pesos. The maximum cancellation period for this loan is 24 months. The total financial cost of this line of credit is 42.35%.

The loans for people with specific destination are:

  • This loan is intended for people between 21 years old and purchase of personal computers, peripherals, and web and digital cameras from the exo computer and Hewlwett Packard brands. The maximum amount of this line of credit is 15,000 pesos. The maximum cancellation period for this loan is 40 months. The total financial cost of this line of credit is 15.74%.
  • This loan is for the acquisition of personal computers from the My PC program. The maximum amount of this line of credit is 15,000 pesos. The maximum cancellation period for this loan is 40 months. The interest rate is 22% TNA.
  • This loan is intended for the purchase of home equipment in companies that have an agreement with the bank. The maximum amount of this loan line is 20,000 pesos. The maximum cancellation period for this loan is 40 months. The total financial cost of this line of credit is 14.00%.
  • This loan is intended for the acquisition of new or used private vehicles. The maximum amount of this loan line is 250,000 pesos. The maximum cancellation period for this loan is 60 months. The effective annual rate of this credit line goes from 25.00% to 36.00% for the different recipients of the credit (salary plan employees of the provincial public administration and customers of the national public administration, among others).