INFONAVIT actualiza sus reglas de operatividad

El Instituto del Fondo Nacional de la Vivienda (INFONAVIT) dio a conocer sus nuevas reglas de operación mediante el Diario Oficial de la Federación, así que pon atención a los nuevos cambios.

Uno de los cambios más importantes es que para formalizar el crédito deberá constituirse una garantía fiduciaria a favor de INFONAVIT, a no ser que el saldo de la subcuenta de vivienda sea mayor al monto del crédito otorgado.

Esto significa que si al adquirir el crédito con INFONAVIT éste es mayor al ahorro que tienes dentro de tu Subcuenta de Vivienda forzosamente tendrás que constituir una garantía a favor del instituto con la cuál se comprometa el pago del financiamiento completa o parcialmente si como deudor principal no cumples.

De no hacerlo así, el saldo de la subcuenta de vivienda podrá aplicarse para la amortización del crédito.

En caso de querer adquirir tu crédito puedes pre-calificarte para conocer con cuántos puntos cuentas y el monto máximo del que podrás disponer. En caso de contar con los puntos suficientes podrás iniciar el trámite, para verificar tus puntos entra a: http://portal.infonavit.org.mx/

Es importante saber que el monto de la vivienda puede tener cualquier valor, pero el monto del crédito, el saldo de la subcuenta, el ahorro voluntario que se declare en la solicitud no podrá superar el valor de la vivienda.

Además el plazo del crédito no podrá ser mayor a 30 años de pagos efectivos y la vivienda que vayas a comprar, construir, repara, ampliar o mejorar deberá contar con toda la infraestructura urbana, es decir, agua, luz, drenaje, fosa séptica y eco-tecnologías). Así como una vida útil de 30 años a partir del otorgamiento del crédito.

Los gastos por concepto de impuestos, derechos de registro y avalúo corren a cargo tuyo, y no se contemplarán dentro del monto de crédito que se te otorgue.

El INFONAVIT anualmente deberá emitir un estado de cuenta de cada uno de los créditos que te haya otorgado y que se encuentren vigentes y deberá entregártelo según los tiempos previstos por la administración.

Debes recordar que los préstamos que otorga el Instituto cuentan con un seguro de incapacidad total, permanente, o muerte, así como de incapacidad parcial permanente del cincuenta por ciento o más o de invalidez, según lo prevé la Ley del Seguro Social.

Asimismo cuenta con diferentes programas de prorrogas si en algún momento tuvieses problema para saldar tus mensualidades conforme a lo acordado. Esto con el fin de que no pierdas tu patrimonio por morosidad. Es importante decir que si este caso se llegara a presentar debes acudir a las oficinas de atención del INFONAVIT para ver la solución pronta a tu problema y no dejar que el tiempo y los saldos vencidos te coman.

 

Vía: Mercado Crédito

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