If the main reason that stops you from buying your first home is financial solvency, a mortgage loan may be the best option for you.
Many times we believe we do not have the necessary requirements to process one, but the reality is that many times we forget that we have benefits and benefits that we ignore until it is time to use them.
The Infonavit loan is a mortgage loan granted by this institution to all those who by law are entitled, that is, all employees who work in a company that complies with the payment of their employer contributions.
This works if you are interested in acquiring a new or used home, building on your own land, repairing, expanding or improving your home and even to pay a mortgage that you already have with another financial institution. Taking advantage of it depends on the financial situation of each person.
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First of all, you have to have the basic requirements to start the application process for a mortgage loan:
- It is necessary that you work in a private sector company or in a body incorporated into Infonavit that complies with the payment of employer contributions.
- Have 116 accumulated points, these are calculated according to your age and salary, to consult them you can enter the prequalification portal with your social security number and date of birth.
Read more: The Infonavit Credit Housing Subaccount, what does it mean?
If you already have enough score to acquire the credit, you are ready to start the procedures, the first step to follow is to fill out an Infonavit credit application and submit it along with the rest of the required documents, which are:
- Original birth certificate
- Copy of official identification
- Original marriage certificate (in case of requesting a marital loan)
This documentation must be delivered to the nearest Infonavit office.
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How is this credit paid?
- The payment of your credit will be deducted monthly from your payroll, as long as you have a formal job.
- Your boss is responsible for withholding the amount you must pay for your credit and delivering it to Infonavit.
- Your monthly payment is made up of the discount that your employer gives you plus the 5% that he contributes to Infonavit.
- Your monthly payment cannot be more than 30% of your integrated salary.
- If you want to make extraordinary payments direct to the capital, you can make them in affiliated businesses and banks.
Remember that applying for a mortgage loan is a long-term commitment and it does not hurt to build a family budget or download apps to save so that the monthly payments and the down payment do not catch you off guard.
At Grupo Promotora Residencial you will have the support of our team of Certified Advisors and you will be able to consult the multiple options to acquire your new home and select the plan that best suits you or fits your budget. Do not think about it anymore, come and process your credit with us .