Infonavit beneficiaries can now access a new loan of between 9,461 and 63,073 pesos to refurbish their home.
With Equip your home, which comes into operation instead of the Green Mortgage, the same interest rate as the mortgage loan will be handled, which is between 3.09 percent and 10.45 percent.
The approved amount can be used by workers to purchase household appliances or other eco-friendly, energy-saving items, so this program seeks to give a boost to formal businesses and national producers.
For this loan, Infonavit worked with the Confederation of National Chambers of Commerce, Services and Tourism (Concanaco Servytur) and with the Confederation of Industrial Chambers (Concamin).
Unlike the Green Mortgage, highlighted Carlos Martínez, general director of Infonavit, Equip your house is optional, that is, the borrower can request this credit for the purchase of appliances, floors, coatings; improve water and drainage services, among others.
You can also install lamps, bathroom furniture, air conditioning or incorporate elements that contribute to reducing housing costs and to adapt the facilities to habitability and accessibility for people with disabilities, he explained.
How does Equip your house work?
The only requirement to access this financing is that workers meet the 1,080 points that Infonavit requests to request a mortgage loan.
To request it, there must be a remainder between the credit limit and what you request, that is, there must be a surplus of 9,461 pesos, the minimum loan amount.
The dispersion of this money will be done in two cards, in one of which 80 percent of the total will be deposited for the purchase of the items that you wish to install at home; The remaining 20 percent will be on another card for payment of labor. In this case, cash withdrawals can be made.
The payment period is the same as the mortgage loan.
The maximum age to request it is 70 years for men and 75 years for women and it has the same payment solutions as the mortgage loan and the monthly payment is part of the payment that is calculated to settle the mortgage loan.
Unlike Green Mortgage, Equip your home does not have a product catalogue, so borrowers can choose the product they want, as long as it meets the specific saving criteria – energy or water -.
How to process it?
To access this loan, the worker must follow the following steps:
*Enter My Infonavit Account
*Prequalify
*Choose the Infonavit Credit or Total Infonavit Credit option, to acquire a new or existing home
*Integrate the file with all the required documents
*Request Equip your home when requesting the loan
*Formalize the credit before a notary
*When signing the deeds, the cards must be requested by contacting (55) 6266 2453 to agree on the date and time
*When you have the cards, call again to activate them
2023-09-11 17:47:37
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