The only requirement to access any of the credits is to be Hitful right to the IMSS And, unlike most banking institutions, a bad credit history does not influence or not to grant credit.
What is the infonavit credit?
Infonavit credit is The most used mortgage credit of this institution, with which an amount as credit is granted to the beneficiary, to which adds the balance of the housing sub -account to increase the amount of the loan.
However, Other types of credit of Infonavit are:
Total Infonavit
It is a shared mortgage loan between Infonavit and some financial institution, To buy a house or apartment, either new or used.
COFINAVIT
Allows combine a mortgage loan from Infonavit with one of a bank From the election of the employee, in which the payment is in stages, and at the end of paying the part corresponding to the institute, the bank begins to find out.
COFINAVIT INCOME
It is a loan similar to COFINAVIT, but allows demonstrate that there are additional income to formal, as commissions or tips, to obtain a larger loan amount.
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How current Infonavit works?
In 2021, Infonavit modified the score system to grant new mortgage credits, so now 1,080 points is required and not 116 as in the previous scheme to request it.
However, needing More points does not mean more requirementsbut now the Infonavit will take into account more factors to evaluate To the worker in addition to his age, for example, salary and savings in the housing sub -account.
What are the requirements to request a mortgage loan from Infonavit?
Although the requirements to access an infonavit loan They depend on the loan type What do you want, these are the Main: