Written in TREND the 13/6/2022 · 23:04 hs
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Mexico.- Buying a house through Infonavit represents one of the most important decisions in a person’s life, so the agency presents different alternatives for the process, one of them is marital credit.
This scheme allows you to buy a house or an apartment with your wife or husband, since the dependency has a variant that allows the loans of both to be combined, in order to have access to a larger amount.
With this benefit, it will be easier to get a mortgage to buy a larger home, with a better location and more bedrooms, according to the style you prefer.
What are the requirements for the Infonavit Conjugal credit?
According to the agency, the main requirement is that both parties are married under the protection of Mexican civil laws.
Also, they must be entitled to the Mexican Institute of Social Security (IMSS), have a current employment relationship and meet the 1080 points in the housing subaccount, which the institute requests to access a loan.
Once the credit is granted, the way in which the property is acquired is in co-ownership, that is, the two people will acquire the right to the home, which makes them both the owners of the property.
For that, it is necessary to access the prequalification to apply for a loan, then choose a home that falls within the budget you have, fill out the loan application, create the file, appraise and finally sign the deeds.
People interested in acquiring this type of credit should take into account that both must cover the maintenance costs of the home, divide the costs of the property and all services.
You must always have the consent of the co-owner to make any improvements to the house.
It is advisable to request support from a notary, so that he can explain how this procedure works.
For more information, you can go to the nearest Infonativ Service Center or contact Infonatel.
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