As part of the new financing schemes that Infonavit implements after the reform of the Institute’s General Law, workers will now have up to 55 years to apply for a mortgage loan without reducing the maximum amount of credit they can request.
In an interview, Mario Macías Robles, head of the Infonavit Workers’ Sector Directorate, said that before the reform, the limit was 49 years. From that age, the institution loaned less to employees, at the risk that they would die or stop working before paying the mortgage.
In addition, Macías added, the timely payment of credit cards and services will now be taken into account to add prequalification points to obtain a mortgage loan.
Infonavit changes the system to obtain a loan; these are the points you will need
This means that To obtain the thousand 80 points requested by the institute to grant the mortgage loan, information will be sought in the Bureau of Credit on the capacity of indebtedness and punctual payment of services such as pay television, telephone, as well as automotive credit or department stores.
Therefore, age, salary and savings in the Housing Subaccount will continue to be factors to obtain the loan, but the borrowing capacity of the applicant will also be analyzed.
This year, Infonavit can lend up to 2,217,700 pesos for the purchase of a home in traditional credit, although the amount granted depends on the payment capacity of each worker. While the interest rate is differentiated by the salary level.
SQM
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