If you started a new job, or have already been working for some years, we tell you how much time in this job you need to check, and what other requirements you have to meet if you are interested in acquiring a property with Infonavit.

The advantages of a permanent job are varied and available to those who work under the conditions of the Federal Labor Law. From having free medical security, to having the opportunity to invest in a solid heritage, there are different ways to take advantage of these benefits personally and family.

In the specific case of Infonavit, in order to  access a mortgage loan  , you have to have at least 116 points, which are added taking into account different aspects such as your age, your savings in your housing sub-account, your salary and bimestres followed by a quote that you can achieve while you have a fixed job. For example:

This means that, at least, you will have to work for three or four months without interruption to start accumulating Capital smart city payment plan Infonavit points that, together with the points accumulated by your age, salary and savings, will allow you to have a mortgage loan in the future.

It is important to remember that, despite having worked this time and having made the mandatory contributions, your Infonavit contribution points may not yet  be reflected in the portal  .

After approximately two and a half years, if you did not change your job, and the contributions to your housing sub-account were made on time, you can request your loan to  buy a house.

Other requirements for a mortgage loan:

• Age
• Balance in your Housing Sub-Account
• Monthly salary

Age

The age at which you started your career in the world of work will be of great importance when trading on the Infonavit. Although, in general, young people do not yet have the capacity to cover a debt as important as a mortgage loan, they still have the possibility of obtaining Infonavit points that will be dealt with in the future.

A worker can start contributing to Infonavit from age 17, while the age limit to obtain a mortgage loan is over 60 years.

Monthly salary

Your salary also determines how many Infonavit points you can earn over time, as this institution must ensure that you have the ability to cover such an important mortgage debt.

The relationship between age - salary is as follows:

Balance in your Housing Sub-Account

This amount is calculated in UMAs or Update Measurement Unit, which is equivalent to $ 84.49 pesos daily and $ 2,568.50 pesos monthly.

This measure is an economic reference that is used to support taxpayers and investors, in which case there are sudden changes in the national economy that may affect their finances and assets.

Depending on the amount in UMAs you have in your savings sub-account, you can obtain a greater or lesser amount of buyproperty Infonavit points.

These are the most important requirements you will need to contribute to Infonavit, apply for a mortgage loan and build equity to secure your future.

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Three out of four respondents in Spain value more than their usual residence has outdoor areas, according to a study by Knight Frank
 

The period of confinement has had a significant impact on the preferences of private home buyers, as reflected in 'The Global Buyer Survey', a survey carried out by Knight Frank which included the opinions of more than 700 clients of the real estate consultancy (of the of which 20% of the total were Spanish) in 44 countries.

According to the conclusions of this survey, one of the main changes in buyer attitudes refers to how, after the pandemic, they have focused their attention in a prominent way on the so-called “single-family homes”, as indicated by the fact that the 65% of Spanish respondents (compared to only 45% globally) are now more willing than before to acquire a house or chalet, while at the moment only 17% would choose a flat more than before. Although, yes, said residence would have to be in the same city where they reside (64% of those who live in Spain affirm that they would stay in the same city or neighborhood), while in the group of countries there is more mobility , since the figure drops to 40%.

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Gardens, terraces and study and work areas

When it comes to highlighting the aspects to take into account in the future purchase of their habitual residence, 74% of Spanish buyers (compared to 65% in the global survey) pointed out the importance that for them, at the moment, the outdoor areas (gardens and terraces), along with the need for these homes to also have study and work areas (as pointed out by 64% of those surveyed). Undoubtedly, this last data is, in large part, due to the fact that more than 60% of potential Spanish buyers expect to work more from home in the near future, due to confinement. The need for outdoor areas was considered a factor of special relevance also when choosing a second home for 68% of Spanish buyers.

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Low purchase budget

Regarding the budget for the purchase of a home, half of the Spanish respondents recognize that, due to the pandemic, they have had to revise it downwards, highlighting that 27% say they have reduced it by 10% or more. These figures are surely a reflection of the perception that the interviewees have about the value of the home, since 24% of buyers think that said value has been contracted between 1% and 9% of its value, while 23 % believe that this reduction is between 10 and 20%.