When you put your house up for sale, you hope that the transaction will be carried out as soon as possible, however, there are times that this process could be delayed, so you must be patient and look for all possible alternatives so that you can find a buyer and meet your goal.
In this sense, if any of your potential buyers has a mortgage loan from Fovissste, there is a possibility that you can sell it to them, so here we tell you what you need so that you can carry out said operation, in order that the process be done in a formal way.
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It is important that your house is registered in the Fovissste housing catalog, in which the Institute has registered the houses that are intended to be sold and according to the regulations, they must meet some specifications, so you have to process a Unique Password Housing (CUV) and meet the following requirements:
1.- Your home must be finished
Your house has to be finished when you start the sale, since Fovissste does not accept loans for homes that are under construction.
2.- Have basic services
If you want to sell your house through Fovissste credit, it must have basic services such as: water, drainage, electricity, among others. It is worth mentioning that the more services your house has, the cost of the property is higher.
3.- Deeds before the Public Property Registry
As it is a used house, it must be registered with the Public Property Registry, in addition to not having a lien pending and there are debts to the property.
4.- Useful life of the home not less than 30 years.
The Fovissste must have as a guarantee that the house has a useful life period of no less than 30 years, in the event that the potential buyer stops making their payments in a timely manner at the time they are the homeowner.
5.- Exclusive use for home
Fovissste will not grant credit to a house that has the characteristics of a trade, office or any other use that is not to inhabit it.
6.- Away from risk areas
The home must be away from areas that may be a danger such as floods caused by rivers, streams, streams and ravines.
7.- Fovissste does not accept homes listed as historical value
These homes are very attractive, since they can be rented at high costs, according to Fovissste, they do not apply for the granting of loans, regardless of the location and state in which they are.
8.- Current appraisal
The house must have an updated appraisal at the time of requesting the loan.
These are some of the specifications that Fovissste asks you so that you can sell your house through a loan, analyze the points and check if it really is convenient for you to do the transaction in this way. If you have any questions, call 800 368 4783 or consult the page https://www.gob.mx/fovissste.
For information on this and other topics visit our credits section.
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