The Infonavit Board of Directors authorized the distribution of approximately 125 billion pesos a 57 million beneficiaries that they do not have an active loan, informed this Thursday the director of the institute, Carlos Martínez Velázquez.
In this way, the workers will be able to use their housing account to protect their savings from inflation, he indicated during his report from the National Palace. The amount was agreed by unions, employers and the government and will be allocated for this year.
Likewise, the official pointed out that Infonavit offers a progressive rate with the aim of charging less to those who earn less. The rate is 2.5 percent and applies to beneficiaries who earn the minimum wage.
Infonavit forgives balances
At the request of President Andrés Manuel López Obrador, the institute decided to end the unpayable loans by converting 966 thousand credits to pesoswhich has meant a forgiveness of balances for 75 billion pesosexplained Martínez Velázquez.
People who have their credit of Times in Minimum Wages, that is, if the credit is from before 2016, they can still convert it to pesos through the portal My Infonavit Account from is February 9.
In order to protect the money of people who have old credits and have not made the conversion, the institute implemented a compensation measure that consisted of applying a 5.20 percent rate so that they do not increase with inflation.
The measure implied a benefit of 24 billion pesos for two million people.
How to access Infonavit credit?
First you must collect 1080 points to be able to access one of the different credits offered by Infonavit, either to buy your own house, apartment or land; or to improve remodel or expand your own home.
1. You must register in My Infonavit Account
You will have to enter the page https://micuenta.infonavit.org.mx/, where you must click on create an account and follow the instructions that the platform itself will give you. There you will be able to see and make sure of the savings you have in your Housing subaccount.
To register you will need to have on hand:
- Social Security Number (SSN)
- Your Unique Population Registry Code (CURP)
- Federal Taxpayer Registry (RFC)
- Your email account and
- Phone number
2. Infonavit Credit Application
After the first step, you will move on to the second phase that includes the Infonavit credit application. To do this you will have to follow six simple steps that consist of the following.
A) Prequalify yourself and choose the credit that best suits you
In this step you will see if you already accumulate 1080 points to request a loan and how much they can lend you.
There are credits for buy housingto build, remodel, or expand your home and also a loan to buy a new or used home with a relative (parents, children or siblings) or with a co-resident (friend or with your partner, if they are not married).
B) You will have to take the Saber + course to decide better
You can take the course by accessing your Infonavit account. You will have to go to the option: I am interested in a loan, in which you will find videos and tutorials that explain what each existing credit consists of, with the aim of making an informed decision based on your needs and ability to pay, among other things.
C) You will go to the appraisal request
This step must be done by a construction company or, if the home you are interested in belongs to an individual, you can request it in the valuation units with which Infonavit works.
D) Credit application
In this step you will have to integrate your file and go to Infonavit to request your credit. It should be noted that if the home you want to acquire is from a construction company, it will process your credit.
E) Choice of notary public
After registering your credit you must choose a notary public. Infonavit will give you a list of available notaries, for the purpose of drafting and legalizing the purchase-sale contract, verifying the property deeds, registering the home in the Public Property Registry, among other things.
F) Finally you will go on to obtain your credit certificate.
This is the final step and in which they are established your financial conditions and the deadline to complete your process.
If you have any questions or concerns, you can contact Infonatel: 55 9171 5050, so they can help you clear up any unknowns or go to the Infonavit offices to ask for reports, so you can start your new home.