The Institute of National Housing Fund for Workers (Infonavit) is a social service body with legal and patrimonial quality. It is in charge of coordinating, managing and financing housing programs so that workers have a home and can acquire it through credits and loans that the employee agrees to pay in installments.
This year, basic requirements to be able to have a Infonavit Credit son:
Have a formal and stable employment relationship.
Be an entitled of the Mexican Institute of Social Security (IMSS), this is acquired when the employer of the company registers you as an employee with social security rights.
Comply with the minimum of 116 Infonavit points. These points work as a system to select viable candidates for credit. They contemplate the age of the beneficiary, salary, continuous listing time, that is to say, having received contributions interrupted for at least 6 minimum bimesters, price of savings in the housing subaccount which is equivalent to 5% of your integrated salary, the company is responsible for paying it to your account.
To know the points you have, enter the site https://micuenta.infonavit.org.mx/ with your Infonavit Account. If you don’t have one yet, what you need to open it is your Social Security number (NSS), Unique Population Registry Code (CURP) and Federal Taxpayers Registry (RFC).
Select option “I want an account”, enter your identification data, verify that all your information is correct, enter your contact information (email or cell phone number), confirm your registration and finally activate your account.
Once you complete these steps you can request your prequalification of points and know how many you have gathered. Prequalification allows you to know the savings in the housing subaccount, the amount of available credit you have. This information will allow you to make a family budget and contemplate the option that best suits your possibilities. Know + It is a virtual course offered to advise those interested in applying for a loan.
Once you have the basic requirements, you have contemplated the type of credit you want to purchase (home purchase, remodeling, construction or mortgage payment) and consulted the credit add-ons you can start filling the Infonavit Credit Application. Here you can download the application form: https://portalmx.infonavit.org.mx/wps/portal/infonavit.web/trabajadores/
For basic credit you need your certified birth certificate e iofficial identification, if is one marital credit you will need the original marriage certificate, Besides of certified birth certificate of your spouse along with your official identification.
Schedule your appointment online through your Infonavit Account, attend punctually with all your documentation gathered, it is important that you comply with all the health measures in order to be treated. Due to the situation of red traffic light in CDMX you must consult online the offices that are working and check the availability of care.
You shall sign the form to authorize the consultation of your data in credit information companies. Contact one public notary to help you finalize the acquisition of your home and complete the documentation requested. Through your Infonavit Account you can monitor your credit process.
Finally you must sign your Discounts Withholding Notice that you company You must sign and stamp, it is important to notify your employer of the registration of your credit so that part of your salary is allocated for payment. Finally, take the notice to the notary public to authorize the signing of the housing deeds.
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