The purpose of Institute of the National Housing Fund (Infonavit) is to provide credit to employees who wish to purchase property for themselves. However, for a loan to be granted, multiple elements must be considered, such as the number of points accumulated, salary and savings in the housing sub-account, but also the age From applicant.
According to specialists, the most favorable time to request an Infonavit loan and obtain your own home is between 25 and 35 years of age, since it is considered that during this period, individuals tend to enjoy a more stable economic situation. and they can continue to accumulate points and resources in their housing sub-account.
How many points are required to obtain an Infonavit credit?
How many points are required to obtain an Infonavit credit?
Although the approval of an Infonavit loan requires a minimum of 116 accumulated points, some workers who are in the ideal age group to request it may have difficulties reaching this amount.
However, there are alternatives to increase the accumulated points, such as making additional contributions to the Infonavit savings subaccount or partnering with your partner, family or friends to obtain joint financing.
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It is important to note that if the Infonavit credit application is postponed after reaching the age of 35, it could be more difficult to obtain it. This is because financial responsibilities, such as child care and paying family expenses, increase, point accruals decrease, and finding a job if you become unemployed may be more difficult.
Properly managing the Infonavit savings account is another crucial factor, since it is recommended that it be managed by a Retirement Fund Administrator (Afore). These entities are responsible for safeguarding the funds earmarked for the retirement of employees affiliated to the IMSS and ISSSTE, and for growing their investment.
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