You found your dream home and the one you would long to live in for a long time, however, there is a problem, your credit Infonavit it is not enough to acquire it. Here we give you the possible solutions.
Fortunately, there are several alternatives available because the main purpose of the Institute of the National Housing Fund for Workers (Infonavit) is to ensure that all workers have the possibility of accessing adequate housing.
An initial alternative is to take advantage of the Spousal Credit, which according to Infonavit, involves combining the credit with that of your partner to increase it and obtain a more favorable loan for the purchase of a home. It is important to note that this option is only available to those who are legally married and not in a free union.
To request the spousal loan, certain requirements must be met, such as that both applicants are affiliated with Social Security, have active employment, accumulate a minimum number of points, the home is not in a risk area, and has all the necessary services. .
Similarly, the option of Let’s unite creditswhich allows you to combine your Infonavit credit with that of another person, whether they are parents, siblings, children, friends, among others. In this case, the data of each participant is evaluated independently, which can generate variations in the amount of the loan.
In addition to the previous options, there is the alternative of Cofinavit, which implies joint financing with an entity or Multiple Purpose Financial Company (Sofom). In this case, both financial entities must approve the home you wish to acquire and assess whether you have the capacity to cover the amount of the loan.
Finally, you also have the option of making extraordinary contributions, which are voluntary deposits that you can make to your Savings Subaccount to increase your credit capacity.
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