The acquisition of a home is an important step in the life of any person and in our country, the Institute of the National Housing Fund for Workers (Infonavit) offers various credit options to facilitate this process.
However, a common question among applicants is whether their history in the Credit Bureau will affect their ability to obtain a loan. Therefore, at DeDinero we address this issue for those looking to buy a house through Infonavit.
The Credit Bureau is a private company that collects credit information from people and companies. This information includes the credits a person has had and their payment behavior.
Let us remember that credit history is an important factor in evaluating credit applications, and in the case of Infonavitalthough having previous debts does not automatically prevent obtaining credit, it does influence its conditions.
The institution analyzes the payment behavior of the applicant to determine the amount it can lend. Thus, a good credit situation can translate into a more favorable loan.
Infonavit collects information about people’s credit history, allowing financial institutions to evaluate the risk of granting a loan.
In the case of Infonavit, if the applicant has registered debts, the credit will not be denied, but the amount granted could be lower depending on their credit rating.
Infonavit offers a variety of credits adapted to different needs, such as Crediterreno, Mejoravit, Unamos Créditos and traditional credit. To request any of these loans, interested parties can go to the Infonavit Service Centers or access the My Infonavit Account platform.
Maintaining a good credit history not only increases the chances of obtaining an Infonavit loan on favorable conditions, but also facilitates access to other types of financing in the future. For example, by paying a car, telephone or home loan on time, it will reflect positively on your credit history.
If a person wants to improve their situation in the Credit Bureau, it is advisable to catch up on late payments or negotiate a payment plan with creditor entities.
In addition, the credit history is updated regularly, so efforts to regularize the financial situation will be reflected in the record.
2024-02-27 20:50:16
#Credit #Bureau #house #Infonavit
