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How to get credit from INVI to buy or build a house

U.S.A.How to get credit from INVI to buy or...

The government indicated that 67% of loans are for women heads of households with limited resources. (Photo: Diego Simone Sánchez / CUARTOSCURO.COM)

NS Housing Institute (INVI) de la Ciudad de México provides assistance to low-income people through loans to make improvements or buy homes.

led by the government of CDMX Claudia Sheinbaum Through INVI offers two types of subprograms so that the beneficiary can get a house, which are as follows: housing improvement and that overall improvement.

The basic objective of the program is “solution to the problem of congestion, family is opening, precarious accommodation, impaired, at risk or provisional; encourages family and neighborhood roots”.

Housing Improvements: It is meant for people in regular properties, it provides financial assistance for maintenance and administration processes so that beneficiaries can make improvements to their home.

For its part, the program housing as a whole It provides financing for housing projects for people interested in loans, it is zero interest for those in vulnerable circumstances and those with scarce economic resources.

The government of Mexico City highlighted that since 2018 it has invested 225 million pesos for the improvement of homes through INVI.  (Photo: Guillermo Perea /CUARTOSCURO.COM)=
The government of Mexico City highlighted that since 2018 it has invested 225 million pesos for the improvement of homes through INVI. (Photo: Guillermo Perea /CUARTOSCURO.COM)=

It has the following modalities: new housing completed Which can be financed with resources from INVI, “the modalities to match the construction of new housing carried out on campus with the feasibility of residential use and services”, it is referred to as the need for services as well as structural safety and facilities. needs should be met. areas of general use.

family condominium Which is a loan that covers projects for the process of forming an incorporated property arrangement, funding the study of the property as well as legal procedures.

Acquisition and rehabilitation of housing in listed properties Wherein the beneficiary who receives the home under this method must be in good “structural condition, or when the rehabilitation work guarantees that the property will have a useful and permanent life”.

modalities of progressive housing Refers to the construction of a home, whether multi-family or individual, that prioritizes structural elements, sanitary, hydraulic and electrical installations to provide safety to its occupants.

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acquisition of housing, This refers to the fact that the beneficiary may acquire a third-party asset that is new or used.

Leasing with option to buy which corresponds to the acquisition of a house by way of payment of rent for a specified period of time and a “lease contract that combines conditional sale obligations, in a fixed period and price, to the rent or part thereof as an estimated contribution in favor of of its beneficiaries or tenants”.

Priority populations for the programs are people from indigenous communities, the elderly, single mothers, female heads of households, and people with disabilities.  (Photo: Evan Stephens / CUARTOSCURO.COM)
Priority populations for the programs are people from indigenous communities, the elderly, single mothers, female heads of households, and people with disabilities. (Photo: Evan Stephens / CUARTOSCURO.COM)

*Submit the birth certificate of the applicant.

* Bring a valid official identification.

* Single Population Registry (CURP)

* Marriage certificate or birth certificate of one of the children to prove cohabitation.

* Birth certificate of spouse, concubine or common law partner.

* CURP of the spouse, concubine or common law partner.

* Birth certificate of the joint debtor along with his official identity and his CURP.

* Format of Joint Debtor.

*Proof of income or income statement letter from the applicant and/or joint debtor.

* All documents must also be submitted in the socioeconomic study conducted by INVI to determine whether you are eligible to receive a loan.

The requirements are: Be a natural person over the age of 18, reside in Mexico City, those applying for the loan must have an income equal to 5 times the minimum wage, for their share, the family income must not exceed 8 VSMD , in the event there is only one income, it will be treated as a member of the family; The maximum age to request support is 64 years.

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