If after several years working, you are interested in buying a houseyou are probably wondering how much could Infonavit lend you to buy one depending on your salary. The first criterion is to maintain a employment stability constant of at least three years. If you do not meet this requirement, you will not be able to know the amount of credit you will be granted, since prequalification is essential.
Once the prequalification stage, you will know the amount that you could obtain as a loan. For determine the total amount of credithe Infonavit considers various factorsalthough itThe main elements are your age and your salary. Known What other things do you consider?
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This takes Infonavit into account to know how much to lend you
Infonavit has a series of parameters to know how much credit it can lend you, take them into account if you are interested in requesting one, also, the younger you request it, the greater amount you could obtain:
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Your age and salary: The first calculation is your age and the monthly salary registered with the Mexican Social Security Institute (IMSS).
Money saved in your housing sub-account: Every two months, Infonavit receives from the company where you work the 5 percent of your salary for those monthswhich is stored in your housing subaccountto. This money serves as loan collateral, unemployment insurance or for increase the total amount of credit.
Responsibility of the company where you work: Infonavit evaluates how responsible the company has been with the bimonthly payments destined to your housing sub-account.
Credit history and current debt level: He Infonavit checks your credit history in it credit bureau to see how responsible you have been paying your debts The amount that is delivered to you and/or if it is released will also depend on this.
This is what Infonavit lends you according to your monthly salary and with an age of 18 to 39 years:
- 3 thousand 200 monthly or less: 149 thousand 179.49 pesos
- 5 thousand pesos per month: 213 thousand 531.42 pesos
- 8 thousand pesos per month: 406 thousand 587.23 pesos
- 10 thousand pesos per month: 444 thousand 613.38 pesos
- 12 thousand pesos per month: 482 thousand 639.52 pesos
- 15 thousand pesos per month: 523 thousand 593.75 pesos
- 20 thousand pesos per month: 625 thousand 968.83 pesos
If the salary you earn is not on this list, click on this link to perform a credit simulation.
According to the information of the Institute of the National Housing Fund for Workers, the interest rate on loans for low wages is 3.3%, one of the lowest. For example, if you are 25 years old and earn $6,500 a month, the institute could lend you up to $428,902.66 pesos, with a term of 30 years.
How to request a loan from Infonavit
If you already have the necessary 1080 points and you know the amount that you could access, you must enter when porting My Infonavit Account, click on create account (in case you are not registered yet) and follow the instructions. To complete the registration you must have on hand your Social Security number, CURP, RFC, an email and your cell phone number.
Infonavit credit application: after completing the registration on the platform, you must fill out the credit application, which consists of six easy steps:
1. Prequalify and select the credit that best suits you: in this step, you will be able to check the points you have and the amount you can borrow.
2. Take the course “Know + to decide better”: You can do this course by accessing your Infonavit account. You can find the course in the “I’m interested in a loan” section, where you can watch videos and tutorials that will help you make a well-informed decision.
3. Appraisal request: This step must be done by the construction company or if the home you want to buy belongs to an individual, you can request the valuation units with which Infonavit manages.
4. Credit application: You must take your file to Infonavit to request the credit. If the home you want to buy belongs to an individual, they will carry out the process.
5. Choose the notary public: after registering your credit, you must select a public notary from the list that the institution will give you. This step is done with the purpose of drafting and legalizing the contract of sale; verification of property deeds; register it in the Public Registry, etc.
6. Proof of credit: The record establishes the financial conditions and the deadline to complete the process.
2023-08-17 00:30:04
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