2023-04-20 01:30:24
One of the main objectives of the beneficiaries who have an active mortgage loan, is to finish pay off your loan and later get their property deeds, that is why today we will explain what you must do to get them.
After finishing paying your housing loan, the Institute of the National Housing Fund for Workers (Infonavit), points out that this is another procedure that the workers will have to carry out in order to demonstrate that the house has already been paid for and is theirs, for Therefore, the interested parties must present a letter of instruction of mortgage release.
Having the deeds of a home not only accredits the person as the owner, but it is also the document that will allow the property to be put up for sale, inherit or any legal process that needs to be carried out.
It is important to remember that the mortgage release instruction letter will have to be developed before a public notary or the Public Registry of Propertyalthough it will depend on the legislation of your state.
How can I obtain the deeds in Infonavit?
There are three ways to access them, as long as the house has been purchased during 1997 and 2007:
- Through the digital platform of My Infonavit Account
- In person at the Infonavit Service Centers (Cesi)
- By telephone through the Infonatel numbers that are: 55-9171-5050, from Mexico City, as well as 800-008-3900 from anywhere in the country
Second, if the home received it in 2008, the deeds will have a lien, that is, a notation that the house is given as collateral because it is being paying via mortgage.
Then at the end of pay your creditthe most important thing will be to release that lien, so that the property is only yours.
According to InfonavitIn this case, the process is a little different because the borrower, that is, the one who requested the credit, must go to the notary public who prepared the deed and request the lien release.
If you do not know with which notary the deed was prepared, you can request the information via Infonatel or CESI, you just have to have your Social Security number and your credit number. Another of the important points that you must take into account during this process will be to carry out the mortgage cancellation process.
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