LEÓN, Gto.- (OEM-Informex) .- In 2020 they were awarded in the state of Guanajuato two thousand 356 financing of the Unamos Credits program of Infonavit. The entity closed the year as one of the 10 that concentrates 65% of the credits of this type at the national level. This was announced by the representation of the Institute of National Housing Fund for the workers.
According to Infonavit, mortgages were granted to beneficiaries with income less than 8 thousand 715 pesos per month. Unamos Credits is a program that allows two people, no need having a legal relationship, join the balance of your Housing Subaccount to obtain a greater amount of credit.
At the national level, 39 thousand 758 financings, which means the acquisition of 19 thousand 879 homes with an average value of 695 thousand 806 pesos, generating a spill economic of 11 thousand 836 million of pesos.
The goal set by the Institute, at the beginning of 2020 of 14 thousand mortgages it was exceeded by 184%. 67% of the mortgages that were exercised with this product were granted to beneficiaries with income less than 3.3 UMA, that is, less than 8 thousand 715 pesos and 65% of borrowers who opted for Unamos Credits focused on 10 states, Quintana Roo, Nuevo León, State of Mexico, Jalisco, Baja California, Guanajuato, Chihuahua, Coahuila, Querétaro and San Luis Potosí.
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The requirements to process a mortgage of this type are the same that are requested for a traditional loan, because each of the borrowers is evaluated individually and both people must meet the eligibility criteria: have a current employment relationship and meet 116 prequalification points. Unamos Credits is a financing in pesos, with a fixed interest rate of 12% per year.
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