Opening of Credit Accounts
This is the act by which a person called the “creditor” agrees to make a sum of money available to another person called the “debtor,” who is then obligated to repay the “creditor” or timely fulfill the amount of the obligation incurred, and in any case, to pay the agreed-upon interest.
BASIC REQUIREMENTS FOR OPENING CREDIT ACCOUNTS
REGARDING THE PARTIES INVOLVED:
BORROWER:
- Valid official identification with photograph, signature, and, if applicable, address
- CURP (Unique Population Registry Code)
- Updated tax status certificate (not older than 3 months)
- Birth certificate
- Marriage certificate (if applicable)
- For the Spouse:
- Valid official identification
- CURP
- Tax status certificate
- Birth certificate
- Updated proof of address
- General information:
- Full name and general details of the associated parties
- Marital status
- Occupation or profession
- Date and place of birth
- Current address
- Email address
- Phone number
- Credit application
- Credit certificate
CREDITOR:
- Valid official identification with photograph, signature, and, if applicable, address
- CURP
- Updated tax status certificate (not older than 3 months)
- Birth certificate
- Marriage certificate (if applicable)
- For the Spouse:
- Valid official identification
- CURP
- Tax status certificate
- Birth certificate
- Updated proof of address
- General information:
- Full name and general details of the associated parties
- Marital status
- Occupation or profession
- Date and place of birth
- Current address
- Email address
- Phone number
- Bank account statement
AUTHORIZED REPRESENTATIVE:
- Valid official identification with photograph, signature, and, if applicable, address
- CURP
- Updated tax status certificate (not older than 3 months)
- Birth certificate
- Copy of marriage certificate (if applicable)
- Updated proof of address
- General information:
- Full name and general details of the associated parties
- Marital status
- Occupation or profession
- Date and place of birth
- Current address
- Email address
- Phone number
REGARDING THE PROPERTY:
- Original property or acquisition deed
- CFDI (mandatory after April 2014)
- Original appraisal
- Valid certificate of no outstanding cooperative works
- Certificate of no outstanding property tax or original paid property tax receipt for the current bimester
- Official alignment and number
- Certificate of no outstanding water bill
- Original electricity bill