2023-10-09 14:13:14
Written in ECONOMY on 10/9/2023 · 04:15 hs
If you are processing or waiting for an Infonavit loan, you must Be careful if you have been offered the transfer of a credit, because it may be a fraud.
Infonavit does not contemplate the figure of transfer in its rules or in any other legal document; Furthermore, from the moment the loan is originated until the signing of the deed of the home, There is a clause that establishes that the obligation acquired before Infonavit cannot be transferred; That is, it is the obligation of the person who contracted the credit to finish paying it.
So if you have been offered to buy a house through a transfer, you should be careful because Most likely it is a fraud.
You have to be alert, because you would pay the loan in someone else’s name, but You would not have any document that proves that you are the owner of the house.
Infonavit highlights that to claim the right to housing, if you acquired it that way, You would have to start a lawsuit that could take several months or years to resolve.
What you should take into account
One of the aspects that you must take into account, among many others, is that the mortgage release letter, upon concluding the payment of the loan, would be issued in favor of the original borrower and not yours, even if you have finished paying the financing.
Also, the deed of the home, the legal document that accredits you as the owner of the property, would remain in the name of the original borrowerthat is, who has the credit approved.
In fact, Infonavit warns that the person who processed the infonavit credit could “transfer” the same financing to several people fraudulently and the buyers would not have any rights over the property
If for some reason you have already “acquired” a transfer, what Infonavit recommends is that you seek legal advice to evaluate if any legal document was signed, whether private or before a notary public to evaluate the options you have.
Infonavit recommends that you process your credit
If you have a formal employment relationship, what you must do is enter My Infonavit Account to start the credit process, whether for the purchase of a home or land, build, improve or repair the house in which you live or pay a bank mortgage debt, Doing it formally is the most advisable and safest thing to do.
In case you are a self-employed worker and have ever contributed to Infonavit and have savings in your housing subaccount, Don’t worry, you can request an Infonavit Account + Bank Credit to buy a house or MejOraSí to make some improvement or repair to your home.
If you want to report any offense that could have any relationship with Infonavit, you can report it.made through the Infonavit Complaint website.
Naps processing a credit before InfonavitBe careful if you have been offered the transfer of a credit, because it may be a fraud.
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