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Unamos Credits from Infonavit granted more than 39,000 financing during 2020: how to process it

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Infonavit exceeds the placement goal in 2020. (Photo: Pixabay)

A few days after the start of the new year 2021, the Institute of the National Housing Fund for Workers (Infonavit) announced that it exceeded the goal of placing the program Let’s Join Credits during 2020, so here we will announce what the expectations were and how to request it.

Through social networks he highlighted that it is a program which allows two people, without legal relationship, to link their financings to get a bigger one.

We exceeded the original placement goal by 184% of the Unamos Credits program at the end of 2020 ”, he highlighted through his Twitter account.

He also announced that 39,000 credits of this type were awarded, which meant an economic benefit of 11,836 million pesos.

With the financing you can access a new or used house.  (Photo: Infonavit)
With the financing you can access a new or used house. (Photo: Infonavit)

It is a procedure in which a beneficiary can merge his credit with parents, children, brother, or even friends and partners, and acquire a new or used house.

It is an opportunity that is given to users, without the need for the beneficiaries to maintain a legal relationship and to access a home with an average value of up to 684,682 pesos.

How to process it?

To access this scheme, each of the borrowers will be evaluated individually, as a traditional loan, therefore, both must comply with the provisions.

Which are the requirements?

* Have a current employment relationship.

* Comply with the 116 prequalification points.

* Prequalify yourself to know the amount available and start the process.

Then, they must make an appointment at the following link: https://micuenta.infonavit.org.mx/wps/portal/mci2/login/.

With Unamos Credits, participants will be able to buy a new or used home, in addition to choosing a home with a higher value and close to work centers.

Through this program two people can link their financings (Photo: Pixabay)
Through this program two people can link their financings (Photo: Pixabay)

According to the institute, both will also have to consider the following:

* Cover the maintenance costs of the house they acquired together, they are also responsible for dividing the payments for the property, water and other services that they require for the proper functioning.

* If you need to make any improvements to the home, you must have the consent of your co-owner. It is important to remember that both are owners of a proportional share.

*Prior to buy a home ask your advisor what co-ownership is, what are the rights and obligations that they acquire when buying under this figure.

* If you have doubts, you can ask the notary of your choice to explain how co-ownership works.

* If you want to know more about this program, go to your nearest Infonavit Service Center (Cesi) or contact Infonatel.

Since Unamos Credits was presented in the country, it has promoted the financial and urban inclusion of lower-income workers. Of the total financing granted, 54% was placed among beneficiaries who earn less than 2.7 UMA, that is, 7,923 pesos per month.

With this financing alternative, you will be able to choose a home with a higher value that is closer to work centers and also has better growth, where the average value of the home adapts to your needs.

According to Infonavit, at the end of November, more than 32,000 credits of this type had been granted, marking an advance of 134% over the original placement goal for this year.

And the fact is that said financing alternative, which was launched in February of this year, initially resulted in the placement of 14,000 loans; However, last month 32,736 mortgages of this type were formalized, for the acquisition of 16,368 houses.

The institute also stated that the majority of those accredited (68%) are young people under 35 years of age. In addition, it represented an economic benefit of 9,728 million pesos.

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Ben Oakley
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