Do you want to buy a home? To do it in Infonavit the first step is prequalification.
This is a process by which you will be able to know if you meet the requirements to process your credit and how much the Institute can lend you to make this objective a reality.
What is prequalification?
It is a process that you must carry out through My Infonavit Account (micuenta.infonavit.org.mx), which allows you to know if you already have the thousand 80 points necessary to start the process of your credit.
What aspects are evaluated?
To ensure that more workers can reach the necessary points to process their credit, in 2021 the Institute made its scoring system more flexible. Now nine aspects are evaluated:
If you already meet the necessary score, you can request an individual credit or join your financing with that of your partner, family member, friend or friend Through the different financing schemes that the Institute has, such as the Conjugal Credit or Unamos Credits.
Do not stop reading: Infonavit granted more than 530,000 credits in 2021
In addition, since last year, the agency lowered the cost of its financing and depending on your salary you can access a fixed rate from 1.91 percent to 10.45 percent.
Did you stop trading? There is also a financing for you
If you stopped contributing to the Institute, but you have savings in your Housing Subaccount and you have not obtained a loan, you can also request it. Even if you do not currently have a working relationship as an employee, you can make use of this money through the Infonavit + Bank Credit Account.
In this case you will not need to prequalify with the Institute, you only have to download your Account Certificate Infonavit + Bank Credit from micuenta.infonavit.org.mx —this document indicates how much savings you have in your Housing Sub-Account— and take it to the bank of your choice, with the participating banking institutions: Banorte, BBVA, HSBC, Santander and Scotiabank.
It is important that you know that the bank will evaluate your profile and determine the amount of the credit; Of the total amount that is authorized, Infonavit will grant 30 percent and the other 70 percent the bank. And you will have fixed monthly payments throughout the term of the Infonavit credit.
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