2023-07-20 23:17:02
Many workers think that after applying for a loan Infonavit they no longer have the option of asking for a second credit, but this is not the case because beyond acquiring a house or apartment, it can also be used to improve your home at a fixed rate and preferential interest. Here we bring you the 5 requirements to process it.
In its desire to support its beneficiaries as much as possible, the Institute of the National Housing Fund for Workers (Infonavit) has several options to obtain loans for the acquisition or construction of their homes, as well as their remodeling and rehabilitation through, even, a second creditfor which here we bring you the 5 requirements that you must meet if you want to process it.
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The benefits of the Infonavit credit for workers
In addition to the possibility of processing a second credithe Infonavit It has various programs to support workers, even if they have lost their job, such as Crédito Infonavit, the traditional one that grants loans for up to 2,595,491.81 pesos, and Apoyo Infonavit, with which you can request a mortgage loan from a financial institution and use the balance of your housing sub-account as payment guarantee in case of unemployment.
In addition, it also has Cofinavit for up to one million 24 thousand 951.20 pesos; Cofinavit Additional Income, granted by Infonavit and a financial institution for up to 548 thousand 743.10; Infonavit Total up to 2 million 595 thousand 491.81; Let’s unite Credits to buy a new or existing home together with a family member or co-resident without the need to be married and Infonavit Woman, with which women can request the maximum credit term at a higher age, since the age limit to pay off your credit is increased up to 75 years, five more than if you were a man and with fewer prequalification points.
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So you can process your 2nd. Infonavit Credit
Request a second credit Infonavit Yes, it is possible through this program with a fixed interest rate and with which they can lend you up to 2 million 671 thousand 180.51 pesos, depending on your ability to pay, although regardless of your salary and whose titling, financial and operating expenses correspond to 5 percent of the credit amount, although if you receive up to 8 thousand 830.35 pesos monthly, they are not charged.
In terms of five, 10, 15, 20, 25 or 30 years, according to your age without exceeding 70 years and if you are a woman you must not exceed 75 years, to request it you must meet these 5 requirements:
Have at least two years of continuous contribution More than six months after having paid your first loan from Infonavit, Cofinavit, Cofinavit Additional Income or Infonavit Support Regularly, have settled your first loan Authorize Infonavit to consult your credit history Be 64 years old 11 months maximum
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