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Do you want to have the house you always dreamed of but are short on money? Then it is time to apply for financial support from the National Workers' Housing Fund (Infonavit), which offers a credit for you to make the changes or modifications you want in your home; check what it consists of and what requirements are requested.
If you need money to improve your home without taking out a bank loan, Infonavit offers financing that can be an excellent alternative in case your plans do not include buying a new house or apartment.
¿Cuál es el crédito del Infonavit que presta hasta 160 mil pesos?
The Mejoravit Solo para Ti credit is a financing product designed for workers to make home improvements without going into debt. Unlike other credits, this program allows you to receive the money and decide how to manage it during the remodeling.
¿Cuánto presta el Infonavit con Mejoravit Solo para Ti?
The credit amount depends on the worker's repayment capacity and the savings in their Housing Subaccount. Currently, the financing can grant up to 160 thousand pesos, provided the beneficiary meets the evaluation criteria established by Infonavit. "The credit amount ranges from $10,698.67 to $169,039.02 pesos, without exceeding 90% of the balance in your Housing Subaccount," authorities state.
According to Infonavit, with this credit you do not use your home as collateral; the guarantee for the credit is the balance available in your Housing Subaccount.
Likewise, they point out that if you choose an amount of up to $42,794.69 pesos, the interest rate will be 10% fixed annually and you can choose a credit term of 1 to 5 years; however, if you choose an amount greater than $42,794.69 pesos, the interest rate will be 11% fixed annually and you can choose a credit term of 1 to 10 years.
Requisitos para solicitar el crédito Infonavit de 160 mil pesos
To access the program, the worker must meet the following requirements:
- Ser derechohabiente con relación laboral vigente
- Estar registrado en una Afore y contar con registros biométricos actualizados
- Autorizar la consulta a buró de crédito
- No tener un crédito vigente con el Infonavit
- Solicitud de Inscripción de Crédito
- Identificación oficial: INE, pasaporte o CURP Biométrica vigentes
- Acta de nacimiento del derechohabiente
- Acta de nacimiento del familiar que compruebe la propiedad. (en caso de aplicar)
- Acta de Matrimonio, Constancia de concubinato /Constancia de Sociedad en Convivencia expedida por el Registro Civil o Alcaldía Municipal correspondiente de quien comprueba la propiedad
- CURP
- Cédula de Identificación Fiscal (RFC)
- Comprobante de domicilio con una vigencia no mayor a 3 meses a la fecha de la solicitud, Estado de Cuenta Bancario a nombre del derechohabiente
- Original del Proyecto de Obra/Presupuesto de la mejora a realizar, con descripción de la reparación ampliación o mejoramiento de la vivienda, así como presupuesto estimado de las, la o el derechohabiente podrá entregarlo en el formato libre de su conveniencia o descargar el formato a través del portal o Mi Cuenta Infonavit.
Características del crédito Mejoravit
-The credit is granted individually.
-The sum of your age plus the term of your credit must not exceed 70 years, and if you are a woman, it must not exceed 75 years.
-The home must be in your name, or the name of your spouse or common-law partner, children, siblings, parents, grandparents, or parents-in-law.
-You must live in the home where you will be performing the repairs, expansions, or improvements.
-If you wish to regularize your home, that is, obtain the legal title granted by a notary, you can request 30% of the credit amount to cover notary expenses.
¿Cómo solicitar el crédito Mejoravit Solo para Ti?
The process is simple and can be started online.
- Ingresa a Mi Cuenta Infonavit
- Verifica si cumples con los requisitos
- Precalifica tu crédito
- Reúne la documentación solicitada
- Envía tu solicitud
- Una vez autorizado el financiamiento, recibirás el dinero para comenzar las mejoras.
¿En qué se puede gastar el dinero?
The credit is intended exclusively for home improvement. You can buy construction materials, purchase fixed furniture, or make permanent adjustments that increase the value or functionality of the property. Also:
- Remodelar baños o cocina
- Cambiar pisos, ventanas o puertas
- Impermeabilizar la vivienda
- Pintar interiores y exteriores
- Construir una habitación adicional
- Reparar instalaciones eléctricas o hidráulicas
- Adaptar la vivienda para personas con discapacidad
- Mejorar la seguridad del inmueble.
It is not permitted to use the money for personal expenses, vacations, debt repayment, or other purposes unrelated to home improvement.
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