Requisitos para obtener tu crédito infonavit

Cómo obtener tu crédito

Requisitos para obtener tu crédito infonavit

Si quieres obtener un crédito del Infonavit debes:

- Ser derechohabiente del Infonavit con relación laboral vigente. 

- Hacer tu presupuesto familiar para que, antes de solicitar un crédito, reflexiones sobre tus ingresos y tus gastos y así puedas determinar si estás en posibilidad de pagarlo.

- Responder al cuestionario API para que recibas una asesoría personalizada sobre la mejor forma de usar tu crédito.

- Consultar tu precalificación y puntos para que sepas:

* Cuántos puntos tienes y si ya puedes tramitar tu crédito.

* Cuánto ahorro tienes en tu subcuenta de vivienda y qué cantidad se sumaría a tu monto de crédito. 

* Cuál es tu monto de crédito.

* Cuánto se te descontaría de tu monto de crédito para los gastos de titualción, financieros y de operación (por ejemplo, los honorarios del notario)

* Cuánto  te descontaría tu patrón de tus salario para el pago de tu crédito.

* Cuál es el tiempo estimado para pagar tu crédito si es en veces salario mínimo (VSM), o el que tú elijas si tu crédito es en pesos.

- Contar con 116 puntos o los bimestres de cotización continua que se establezcan en el producto de crédito que elijas.

- Llenar la solicitud de inscripción de crédito.

- Tener dos referencias de personas que te conozcan y dar sus datos a infonavit para que puedan ser localizados. 

- Tomar el taller gratuito Saber  para decidir según te corresponda, en línea o de forma presencial, en los planteles del Colegio Nacional de Educación Profesional Técnica (Conalep). Ahí recibirás información para que decidas sobre el uso de tu ahorro y tu crédito, tus opciones para usarlo y, si te decides por la compra de una casa, cómo elegirla, así como los derechos y obligaciones que adquieres.

- Cumplir con lo que establece el programa Hipoteca Verde, respecto a la instalación de accesorios ahorradores de agua, luz y gas, que pagarás con el monto de crédito adicional que te daría el Infonavit. 


Como ves es sencillo pero necesario cumplir con los requisitos para tramitar tu crédito Infonavit y hacerte de un patrimonio familiar.  






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