FOVISSSTE (Housing Fund of the Institute of Social Security and Services for State Workers) is a mortgage loan exclusively for government employees. It allows you to purchase a new or used home, build on your own land, or expand or remodel your existing home.

The Traditional Loan offers lower rates (4%-6%) with a maximum loan amount of $1.42 million MXN, ideal if your home falls within that range. FOVISSSTE Para Todos is co-financed with banks and allows you to finance up to 95% of the home's value with terms of 5 to 25 years, ideal if you need a larger amount. The FOVISSSTE Para Todos interest rate is approximately 9.78% annually.

The FOVISSSTE Traditional Loan can lend you up to approximately 1,080,000 MXN or 1,420,000 UMA (Unit of Measurement and Update). The exact amount depends on your age, salary, credit history, and years of contributions. In addition, FOVISSSTE covers 50% of the notary fees and does not charge an origination fee. We can help you calculate your exact loan amount at no cost.

The main requirements are: being an active state employee, having at least 18 months of contributions to FOVISSSTE, having the minimum required score (116 points), not having a current FOVISSSTE loan, and presenting official identification, CURP, proof of address, account statements and payroll receipts.

FOVISSSTE Para Todos offers: financing up to 951% of the home's value, flexible terms from 5 to 25 years, a fixed interest rate with no adjustments, prepayments without penalty, no origination fee, and applications available year-round. Combine your Housing Subaccount with the partner bank's add-on to access higher-value homes.

Yes, there are several options: the Joint Loan allows you to combine the credit capacity of two eligible borrowers (couples). If you also contribute to INFONAVIT, there's the FOVISSSTE-INFONAVIT Individual Loan. You can also opt for FOVISSSTE Para Todos, which co-finances with banks. We'll advise you on the best combination to maximize your purchasing power.

The entire traditional loan process typically takes between 45 and 90 business days from application to closing. The FOVISSSTE Para Todos process may vary depending on the partner bank. We help you expedite the process and avoid delays due to incomplete documentation.

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Yes, Altea Vida Integral is registered and authorized to accept both traditional FOVISSSTE and FOVISSSTE Para Todos loans. We offer modern apartments with two bedrooms plus a flex space, with or without a terrace. Contact us and we'll show you the available options.

The FOVISSSTE Traditional Loan offers fixed annual interest rates between 41% and 61%, among the most competitive on the market. The FOVISSSTE Para Todos loan has an average fixed annual interest rate of 9.781%. Both loans automatically deduct payments from your payroll, providing peace of mind and preventing late payments.