From this one August 13 workers who contribute simultaneously to the Institute of the National Housing Fund for Workers (Infonavit) and the Housing Fund of the Institute of Social Security and Services for State Workers (Fovissste) they can unite the credits offered by these institutions and thus increase the amount to acquire a house.
“This new financing scheme will benefit doctors, nurses, teachers or workers who contribute to both social security systems, without exception of salary income.”
Infonavit.
Under this scheme the maximum amount of credit granted by Infonavit will be up to 1 million 846 thousand 165 pesos, while that of Fovissste will be 1 million 133 thousand 712 pesos.
“Depending on your income, with both credits a worker may obtain financing for up to 2 million 979 thousand 877 pesos, which guarantees the acquisition of a home in better conditions to raise their level and quality of life, “the statement said.
The Fovissste highlighted that this scheme adds to the credit offer of both institutions and is part of the actions to boost economic reactivation from the country.
How to apply for the co-financed loan?
Those interested in receiving said co-financing they must first start their process with the Fovissste, who will grant a maximum amount of 1 million 133 thousand 712 pesos, depending on its price in the Fund.
To request it, it is necessary to have the following requirements:
- The worker must be in active duty of the State
- Have at least nine bimonthly contributions in the organization
- Not be in the process of temporary pension or retirement, among others
Once the credit is approved, The worker must present a Letter of Authorization from Fovissste to Infonavit and have 116 points established for prequalification in the institute and have access to additional financing of 1 million 846 thousand 165 pesos.
In that sense, each institution will be responsible for managing the credit; “However, when the worker has paid off one of the financing, he may request the portability of subsequent contributions in order to pay the active loan in the other institution faster”.
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Infonavit reported that the payment may be to a home loan of its own or of a family member or of a third party
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Infonavit affirmed that borrowers who pay in a single installment the total balance of their mortgage debt will receive a discount of between 5 and 40%. –
The Fovissste announced that its interest rate decreased from 9 to 8.3% and affirmed that its Fovisste para Todos program is the one that gives more money to workers. –
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