If for one reason or another you have stained your credit history and this has been reflected as a negative note in your Credit Bureau and now you want to buy a house through Infonavit, you will surely be wondering “How much does Infonavit lend me if I am in Buró of credit?” If that is your question, we will solve it in this note.
As we have explained in previous notes, not paying your debts on time, be it on a bank credit card, in a department store or in any other financial institution, can bring terrible consequences, including the one that many fear: showing up with a bad grade on the Credit bureau.
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Read more: (How to check if I have finished paying my Infonavit credit?)
This is the amount of credit that Infonavit lends you if you are in the Credit Bureau / Source: Pixabay
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Appearing in the Credit Bureau will mean that in the future if you want to get credit cards, the bank you go to will deny the application, so you will be forced to go to secured cards, which have much less benefits than the normal plastics, this without taking into account that there are few banking institutions that grant them.
Now, what if you are an insured worker of the IMSS And you want to request a loan from the Housing Fund for Workers but you appear in the Credit Bureau? If you are in this situation, perhaps your worst fear is that Infonavit will lend you much less credit than it would if you had never tainted your credit history or that, even, it cannot grant it.
What does Infonavit say about it? If it is of any consolation, when you are going to request your credit from the Fund, the web portal gives you the option of allowing the institution to review your Credit Bureau. But do not think that by denying it access you will save yourself, since if you do not authorize it to carry out this action, the organ will only lend you 75% of what corresponds to you in a normal way with respect to your salary and age.
What happens if you give them permission to review your bad credit? Be that as it may, and no matter how scary you are, it is best if you allow it to carry out the tracking, since no matter if your debt is high or small, Infonavit will give you a credit capacity that will go from 80% to 90% of the credit that by right it would touch you.
As you can see, in no case, whether you do not allow him to see your Credit Bureau or that your debts in it are high, the Housing Fund may deny you credit, so you will not have any problem in that regard. In any case, as we have previously told you, the best thing you can do is pay your debts; Healthy personal finances should always be a goal you keep in mind.
How to check the credit prequalification and Infonavit points?
The Infonavit has made sure that the consultation of points and prequalification of Infonavit credit is relatively easy, the only thing you will have to do is enter the official Infonavit page, click on the “menu”My Infonavit Account“(in which you should have registered), enter your account and there you will find the place where you can access your traditional Infonavit credit prequalification. It should be noted that you will be told if you already have the necessary points to be able to request your mortgage loan and your creditworthiness.
Read more: (How long does the Mejoravit process take in times of a pandemic?)
It should be noted that although entering the website and consulting your data is something simple, it is best to go to a real estate credit advisor so that he can explain how you should interpret the data that is presented to you.
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