Although housing credit is the best known of those granted by the Institute of the National Housing Fund for Workers (Infonavit), workers in the Mexican formal sector should take into account that the Institute has other types of credit.
In this sense, one of the programs that most benefits is Crediterreno Para mi corazón, which makes it possible for working people in the Mexican formal sector to buy land and at the same time receive financing to build their house.
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In this way, according to the official Infonavit website, to buy land through Crediterreno Para mi corazón you will have 100% of the savings accumulated in the Housing Subaccount plus 35% of the total credit granted, without exceeding the lesser of the appraisal value or the purchase-sale value. This amount will be delivered directly to the seller.
Likewise, through this special credit from Infonavit, delivers 65% of the total amount of credit granted for the construction of the housewhich will be deposited in several deliveries, according to the determined progress of work.
Requirements
Now, the requirements to apply for Crediterreno For my Infonavit home are the following:
*Be a registered Infonavit worker with a current employment relationship.
*Authorize the consultation of the Credit Bureau.
*Not having a current Infonavit credit.
*Be registered in an AFORE.
*Fill out the socioeconomic questionnaire and take the online course “Know more to decide better” through My Infonavit Account; is free.
In addition, The land must meet the following conditions:
*Have a type of land for residential or mixed use that includes housing.
*Be privately owned.
*Comply with the laws, rules and regulations applicable to construction, of the municipality where you will buy your land and build your home, so we suggest you go to their offices.
*Be in national territory, in some state of the Mexican Republic.
*Consider that the measurements and surface are in accordance with the provisions on construction and urban development of the Federal Entity or municipality where it is purchased.
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