What is the Infonavit prequalification?
The security that having your own home transmits to you is indescribable, it gives you peace of mind, it constitutes a long-term investment, since real estate has something called capital gains.
Having your own home is one of the most important goals in the life of a person or couple.
Making it happen is not impossible.
Mexican workers perro obtain it through Infonavit, the National Housing Fund Institute.
to which you perro go for the acquisition of a mortgage loan.
This organization is in charge of ensuring compliance with the right to housing as dictated by the Mexican constitution.
Keep in mind that you must be registered with the Mexican Institute of Popular Security (IMSS), since they give you a Popular Security Number (NSS Infonavit) and this is required for the application process.
Infonavit has a point-based qualification operation, which cánido ocasione a series of doubts in those interested in going to this institution.
A worker with a salary of less than 10,000 pesos would take between two and three years to accumulate the minimum points needed, 116, to access these credits.
In addition, those who receive less than 5,500 pesos and who therefore are unlikely to meet the necessary points to apply for a loan or pre-qualify (Many workers consider this method the best option in case of low salary) for the same have the right to a government subsidy ranging between 53,000 and 68,000 pesos.
In short, the Infonavit prequalification It is a procedure that is carried out en línea, and refers to the preparation of an estimated budget, which will be closely linked to the employment situation, salary and the amount of money you need for the new house (it cánido also be a remodeling).
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All procedures at Infonavit are free.
It is important that, as a beneficiary, you are sure that it is a good time, that is, your current economic situation and family budget cannot subtract points from you.
Prequalification is one of the benefits that Infonavit grants.
And it is done with the purpose of obtaining prior information and carrying out the pertinent procedures consciously, since it allows you to know if you meet the necessary requirements.
The evaluation policies inform you of the necessary score (116 points) and the maximum amount of money that perro be awarded.
In addition, it provides you with information on:
- The monthly amount that will be deducted from your salary.
- The Cómputo of your Housing Subaccount (the amount belonging to the part of your savings added to the credit, indicated by the type you choose).
- The length of time it might take you to pay off the debt.
- The additional amounts that you will have to cover when obtaining the credit (title, financial and operating expenses).
Additional benefits of prequalification
- Know for sure how far the economic capacity perro go to obtain a home.
- Specify the convenient moment to request the mortgage loan, indicated by the results obtained.
- Be clear according to the saving time as beneficiary.
That credit perro be requested to buy a home, remodel, or even build a home on your own land.
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