You are a hard worker for a private company, you are registered with the Mexican Social Security Institute and National Housing Fund Institute pfor Workers (Infonavit) and your employer makes the bimonthly payments in a timely manner, this makes you entitled to the institute and you can aspire to a credit to buy a house.
The Infonavit enabled a digital calculator so that the user can virtually know if he is qualified or not for a creditfollow the instructions on the form and check that you have 1080 points required for the process.
Job stability, age, salary and the amount of savings in the subaccount of living placethe type of contract, payment and location of the company, are some factors that predetermine the scope of the minimum points for the request of a loan, each item has its estimated valuation.
How much does Infonavit lend according to salary in 2022?
The credit To access a house varies according to monthly salary that the worker receives, if the salary is from 2 thousand 700 to 5 thousand pesos the loan amount It ranges from 158 thousand to 348 thousand Mexican pesos.
If the monthly payment is above 5 thousand 500 up to 10 thousand, you may be creditor of a loan approximately 350 thousand to 450 thousand pesos, also depending on the location where you want to carry out the home purchase.
In 2022 by having a salary above 30 thousand pesos per month it is possible to aspire to loan of one million pesos, but if the salary is close to 60 thousand pesos, Infonavit can grant you a credit of approximately one million 900 thousand pesos.
The payment capacity can reduce between 4,000 and 6,000 pesos if the applicant exceeds 40 years of age, since the capacity is reduced when taking into account that his retirement does not exceed 65 years of age.
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A bad credit history decreases up to 20 percent the amount of loandespite being able to count on the minimum points obtained in the virtual calculator, the amount of authorized credit will depend largely on the credit history in the Bureau.
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