Understanding the Situation
When a public sector worker with a Fovissste (Fondo de Vivienda del Issste) loan leaves their job, the loan remains active. However, automatic payments cease, and the borrower must decide how to proceed with repaying their debt.
In such cases, Fovissste offers the option of a 12-month payment extension, either continuous or discontinuous, throughout the loan’s duration. This benefit applies to traditional, conyugal (couple), and Fovissste-Infonavit Individual loans, provided there’s no ongoing legal dispute with the former workplace.
Steps to Request a Payment Extension
To avail of this benefit, follow these steps:
- Apply for a payment extension of your Fovissste credit due to public service separation. This can be done in-person or online.
- For in-person application: Visit the nearest Fovissste Vivienda department. Locations can be found here: https://www.gob.mx/fovissste/acciones-y-programas/directorios-de-departamentos-de-vivienda-fovissste
- For online application: Go to this link: https://www.gob.mx/issste/acciones-y-programas/solicitud-de-prorroga-de-pago-de-credito-hipotecario-fovissste-por-separacion-del-servicio-publico, select your nearest Vivienda department and tramite 10, then present the provided folio at Fovissste offices.
Required Documentation
Present the following documents at the Vivienda department:
- Valid official ID (voter’s credential, passport, or professional license)
- Official discharge letter from the former workplace, signed and stamped by the Human Resources department
- Most recent pay stub
- Unique Population Registry Code
- Payment extension request form
- Power of attorney if the legal representative is making the application
Key Questions and Answers
- What types of Fovissste loans can benefit from this extension? Traditional, conyugal (couple), and Fovissste-Infonavit Individual loans.
- Can I apply for this extension online or in-person? Yes, both options are available.
- What documents do I need to apply? Valid official ID, discharge letter, pay stub, Unique Population Registry Code, request form, and power of attorney (if applicable).
- Can I get this extension if there’s a legal dispute with my former workplace? No, the loan must not be subject to any ongoing legal dispute with the former employer.
