If your plans for this year that has just started include buying a home, Infonavit tells you how to apply for a loan for the first time in 2024so that you can ensure your heritage and that of your family.
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The Institute of the National Housing Fund for Workers informs that if a person is interested in a loan, they must first choose the one that best suits them, among these they include: building on their own land, acquiring land, paying the mortgage they have with another financial institution, improving and repairing a home.
How to apply for credit for the first time at Infonavit?
When the interested party chooses the type of credit they want, they must follow a procedure
- Consult the prequalification in My Infonavit Accountan action that will serve to know if the beneficiary is already eligible to request a loan and to know the preliminary credit conditions.
- Take the online course “Know to decide better”, in which you will obtain more information about savingsthe credit and the use that should be given to it.
- Prepare the office hour with the required documentation according to the alternative that has been selected.
- Request an appraisal in one of the valuation unitsthese are published in the carry Infonavitthis step should only be carried out if applicable.
- Go to the institute’s service offices to register the creditit is important that this is programmed correctly.
- The attention office it will have to be in the same state where the home is located.
- Choose a notary public.
- At the time of register the creditthe beneficiary will receive a form for the data query in the credit information companies, which you must sign.
- The beneficiary will have 5 weeks after the registration of the credit to be able to formalize it with the chosen notary.
- If the person decides acquire a home new in some development, it is possible that the sales promoter of the construction company is the one who manages the procedure before the institute.
- The beneficiary will have to provide his personal documentstake the withholding notice to the company and appear with the notary on the day the deed is signed.
After following each of the previous steps without exception, you must enter the site “My Infonavit account”there you can register and follow up on the registration process. Notification or Notice of Retention.
The company you work for must sign and seal the withholding noticewhich will be requested from the Business Portal; The document must be delivered to a notary public.
Second loan at Infonavit
The Institute of National Housing Fund For Workers, it gives the option for the worker to acquire a second loan, for which they must meet the following requirements.
- Having finished paying the credit that was already available.
- Having been a good payer and without “quarrels” on the previous loan.
- Have a little storage in the Housing Subaccount.
- Meet the requirements for the desired credit.
- that the age, plus the term of the loando not exceed 70 years of age, if you are a man or 75 yearsif you are a woman.
- That the credit discount is not greater than 20% of the salary, or up to 30%, if the minimum is earned.
Infonavit tells you how to apply for a loan for the first time in 2024 and on its official portal provides more information about these and other programs related to worker housing.
2024-01-27 05:44:37
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