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Cofinavit: The Gateway to Homeownership and Housing in Puerto Vallarta

Buying a house is more than a financial transaction; it's the first step in building a lasting legacy. Mortgage loans are indispensable allies in this exciting journey towards homeownership. The idea of having your own place, of building a home that reflects your dreams, is the driving force that motivates many to explore financing options.

One of these paths is Cofinavit, a valuable tool that can make your dream of owning a house a reality, whether in the vibrant city of Puerto Vallarta or its beautiful surroundings.

What is Cofinavit?

It is a type of mortgage loan that combines resources from the National Workers' Housing Fund Institute (Infonavit) and a financial institution. 

This fusion allows workers to use the balance of their Infonavit Housing Subaccount and complement it with a bank loan to acquire a home. The synergy between these two elements provides flexibility and options for those seeking financing for their home.

Features of Cofinavit:

Cofinavit has several features that make it an attractive option for those looking to purchase a home. Here are some key characteristics to consider:

Versatility in Purchase:

This financing type provides the flexibility to use it for both new and existing homes in the market.

Amount Adjusted to Your Capacity:

Infonavit offers loans up to $1,024,951.20 pesos, adjusted according to your payment capacity. This amount adapts to your income and needs.

Fixed Annual Interest Rate:

The annual interest rate for Cofinavit is 10.45%, applicable to all income levels. In this case, the income amount is not considered, providing a clear and equitable structure.

Exemption from Title Expenses:

Those earning less than $8,830.35 pesos monthly are exempt from paying title expenses, facilitating access to homeownership for various income levels.

Adjusted Monthly Fee:

The monthly payment is set according to your salary, ensuring that the financial commitment is suitable and sustainable for your economic situation.

Reasonable Terms:

The sum of your age plus the credit term should not exceed 70 years, providing reasonable terms for loan settlement.

Flexibility in Early Payments:

You always have the option to make early payments without penalties, giving you the possibility to pay off your loan more quickly.

Credit Union:

It is possible to combine your credit with that of your spouse, provided they contribute to Infonavit and meet the established requirements.

Employer Contributions:

Employer contributions go toward the capital of your loan, allowing you to pay off the debt in less time and optimizing the payment process.

Included Insurances:

Additionally, you have life and unemployment insurance, providing an additional layer of financial security. The acquired property is also protected against damages, both in the part financed by Infonavit and the part financed by your selected bank.

These features make Cofinavit a comprehensive option adapted to various circumstances, offering a real opportunity to build the heritage you've always desired. With these elements in mind, it's time to explore how to take the necessary steps to obtain this valuable mortgage.

What to Do to Process Cofinavit?

The process to obtain a Cofinavit credit doesn't have to be complicated. Here's a simple step-by-step guide:

Know Your Credit Score:

Before you start, it's essential to know your credit history. Ensure you have a good credit score, as this will directly affect your approval chances.

Check Your Infonavit Housing Subaccount:

Access your Infonavit Housing Subaccount on the Infonavit portal to understand how much money you have available. This amount will be the basis for your financing.

Select a Financial Institution:

Research and choose a financial institution that offers Cofinavit credits. Compare interest rates and conditions to ensure you get the best deal.

Prepare Your Documentation:

Gather the necessary documentation, which typically includes official identification, proof of income, bank statements, and employment certificate. This step is crucial to expedite the approval process.

Apply for Your Credit:

Submit your application to the selected financial institution. Ensure you provide accurate and updated information.

Receive Approval:

Once approved, you can use the amount from your Infonavit Housing Subaccount along with the bank loan to acquire the house of your dreams.

If You Want to Use Your Credit to Buy a House in Puerto Vallarta, We Have the Following Developments:


Vivento | Los Fresnos


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