2023-09-08 09:23:10
Having your own home is the dream of all Mexicans, but having it fully equipped as you want is a difficult task and can take a couple of years.
However, the Institute of the National Housing Fund for Workers (Infonavit), in order to meet the different needs of workers, has designed a series of credit schemes.
Workers can no longer only buy a house, but they can also acquire land to build the home to their liking and recently launched the “Equip your house” program.
With this program, an additional amount of credit is granted as a complement to the purchase of a new or existing home to remodel, improve, repair and/or equip, without affecting the structure of the house.
Beneficiaries who choose to contract an amount less than the amount of credit that Infonavit grants you to buy a home can request the Equip Your Home complement, which they can only do at the time you are registering your credit.
The minimum amount that Infonavit can give you is 9 thousand 461.09 pesos and the maximum up to 63 thousand 73.92 pesos.
The credit resources will be granted by deposit to two cards, in one you can use 80 percent of the authorized amount to buy in stores and in another you can have 20 percent in cash to pay for labor.
If you do not want to use the card to pay for labor, you can also use it for purchases in authorized stores such as appliances, floors, coatings, improving water services, drainage, installation of lamps, bathroom furniture, air conditioning, even making adjustments to the mobility of people with disabilities.
In Puebla, the businesses affiliated with the program are The Home Depot, Construrama Tycsacero, Construrama La Cruz, Mapsa, Constructora Viali, Interceramic, Materiales Avendaño, Los Volcanes de Puebla, European Ceramics, Tudogar and Comex, among others that are also in the area suburbs and within the state.
This credit is granted individually and you must first enroll in the Traditional or Infonavit Total Credit for the purchase of a new or existing home.
The time you have to carry out your improvement is up to six months after the signing date. The interest rate, term and conditions of Equipa tu Casa will be the same as the mortgage loan you acquired for the purchase of your home, that is, between 3.09 and 10.45 percent.
You must pay the Equip your House payment monthly, since it is part of the monthly payment of the credit you take out for the purchase of your home. You can check the payment information in My Infonavit Account in the My Credit, Balances and Movements section.
After delivery of your cards, you must call again to activate them.
If you are interested in acquiring this credit, you must prepare the following documents:
Indicative budget format for the remodeling, expansion or improvement to be carried out. Download the format on the page of the and in the My Infonavit Account section. Letter Under Protest of Telling the Truth (indicating the work to be carried out) and confirming that you will present the evidence (photographs, invoices and tickets) of the work carried out, through the means that the Institute makes available. of the beneficiary. Bank account statement in your name with CLABE (Standardized Bank Code) in copy, no older than 2 months. Initial photographic report. The uploading of photographs will be carried out through the means that the Institute makes available to the rightholder. The minimum upload is four photographs: facade of the home and the areas, rooms and/or rooms where the improvement will be carried out. Sending Tickets, invoices, receipts, etc., through the means that the Institute makes available of the beneficiary after the use of the resources. Final photographic report.
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