How to Access Bansefi Infonavit Credit: Steps and Requirements

Crédito Seguro Infonavit Bansefi is a savings program designed to make it easier for individuals to apply for an Infonavit loan, even if they do not meet the required points. This program is a joint initiative of Infonavit and Banco del Ahorro Nacional (Bansefi), which seeks to help those workers who wish to purchase a home but do not yet have enough points accumulated in Infonavit.

Crédito Seguro works as follows:

• It is an advance loan aimed at workers who do not yet meet the points required to apply for an Infonavit credit.
• This program bases its availability on the applicant's age and salary income.
• It is independent of whether they do not have the 116 points traditionally required by Infonavit.

But, what benefits does the Bansefi Infonavit Secure Credit offer? This program facilitates savings to obtain the Infonavit credit, through flexible payment terms and other financial services. In addition, to access the Bansefi Infonavit Secure Credit, you only need to go to a Bansefi branch, open an Infonavit Savings Account and have the Secure Credit pre-qualification.

Steps for Bansefi Infonavit Secure Credit Pre-qualification

Once you have understood what Bansefi Infonavit Secure Credit is, it is time to talk about the steps to get pre-qualified. The first step to start this process is to enter the Crédito Seguro pre-qualification option on the Infonavit website. There you can learn about the details of the savings plan and then you will have to open an Infonavit Savings Account at a Bansefi branch.

You should keep in mind that pre-qualification is a crucial process to obtain the Bansefi Infonavit Secure Credit. During this process, your credit history is verified and you are enrolled in the Bansefi Savings Account Program. Maintaining a positive credit history is fundamental to increase your chances of pre-qualification. Therefore, we recommend that you keep your finances in order and avoid any payment defaults that could negatively affect your credit history.

Bansefi's Role in Accessing Infonavit Credit

Understanding Bansefi's role in accessing Infonavit credit is essential to take full advantage of the benefits of this program. Bansefi, also known as the Banco del Bienestar, offers various services and programs to support workers on their path to homeownership. One of these programs is the Cuentahorro Infonavit, which allows Infonavit beneficiaries to obtain a loan through constant savings in the bank.

Bansefi not only facilitates access to Infonavit credit, but also promotes financial inclusion. By promoting savings and channeling temporary government support, Bansefi combats socioeconomic inequalities and fosters equitable access to housing credit. In addition, this bank actively participates in the pre-qualification process, offering the option of obtaining and reviewing the Infonavit Secure Credit.

Programmed Savings: Your bridge to Infonavit Credit

Programmed savings at Bansefi is a key tool for accessing Infonavit Credit. This program ensures that Infonavit beneficiaries obtain a loan through their savings in Bansefi. This saving is carried out through the Crédito Seguro program, which makes it possible for people who do not have the necessary points to accumulate the amount required for the credit.

But what are the benefits of Bansefi's programmed savings? This program provides the guaranteed obtaining of an Infonavit credit and the possibility of not having to wait two years to apply for it. In other words, it benefits you with faster and more secure access to a loan for your home through constant savings in the Banco del Bienestar.

To open a programmed savings account at Bansefi, you will need to present a recent proof of address (no more than three months old) and a valid official ID with its respective copy. With this account, you can make constant savings that will allow you to access a safe and reliable credit for the purchase of your home.

Indispensable Requirements to Apply for your Bansefi Infonavit Secure Loan

Before applying for your Bansefi Infonavit Secure Credit, it is essential that you know the essential requirements for this process. Knowing these requirements will allow you to prepare adequately and comply with all the necessary conditions to be successful in your application.

To apply for the Bansefi Infonavit Secure Credit, you must follow these steps:

1. Go to the nearest Bansefi branch.
2. Open an Infonavit Savings Account.
3. Have the Secure Credit Prequalification.
4. Have your Social Security Number (NSS).
5. Choose a term from 4 to 24 months.
6. Present your National Electronic Identification (INE) and proof of address.

It is also essential to have a favorable credit history, as this factor may influence the approval of your credit application.

Managing your Bansefi Savings Account

Once you have opened your Bansefi savings account, it is important that you learn how to manage it efficiently. To open this account, you will need to present a valid official ID (original and copy) and proof of address for no more than three months.

With your Bansefi savings account, you can make subsequent deposits starting at 30 pesos, either at Banco del Bienestar's teller windows or at Bansefi's teller windows. In addition, you can withdraw funds from your savings account at any Bansefi teller window.

How to increase your Infonavit score through Bansefi?

Increasing your Infonavit score can be a big step towards obtaining your credit. Bansefi can facilitate the increase of your Infonavit score through its programs, such as the Infonavit Secure Credit, and its financial advice to optimize your savings and meet the requirements to obtain a better score.

Some of the strategies Bansefi offers to improve your Infonavit score include:

• The Infonavit Secure Credit program to speed up the accumulation of Infonavit points.
• Promoting practices such as having a stable job
• Making additional contributions to your Infonavit account.

In addition, making timely deposits in Bansefi through the Cuentahorro INFONAVIT program is crucial to obtain the Certification Letter, which is important to increase your Infonavit score.

Secure Credit Simulator: Calculate your Loan Potential

One of the most useful tools to calculate your loan potential is the Secure Credit Simulator. This simulator calculates the amount of credit you could borrow and your payment capacity. You can find it online at Infonavit's official website.

The calculations of the Infonavit Bansefi Secure Credit simulator are influenced by several factors, such as:

• The amount of credit you wish to obtain
• The applicant's age
• The monthly salary received
• Job stability

By taking all these factors into account, the simulator provides you with an accurate estimate of how much credit you can apply for.

To calculate your loan potential, just follow these steps:

1. Access the simulator on Infonavit's official website.
2. Fill in the requested information, such as your age, salary and other personal and work details.
3. This data will determine the amount of credit you could exercise.

It's that easy!

The Application Process: From Prequalification to Credit

A crucial aspect to obtain the Bansefi Infonavit Secure Credit is to know the application process, from pre-qualification to obtaining the credit. To start the pre-qualification process, you will need the following documentation:

• Official identification (INE or passport)
• Proof of address
• Proof of income
• Social Security Number (NSS)
• Bank statement.

The detailed procedure for the pre-qualification of Bansefi Infonavit Secure Credit includes the following steps:

1. Access the official Bansefi website.
2. Enter your credentials and verify your identity.
3. Search for the "Consult Prequalification" option.
4. Follow the instructions provided to complete the pre-qualification process.

Once the pre-qualification is completed, you will be able to apply for the Infonavit loan and Bansefi will facilitate the process by making sure you meet the necessary requirements.

Advantages of Choosing Bansefi Infonavit Secure Credit for your Home

Choosing Bansefi Infonavit Secure Credit to purchase your home has several advantages:

• This program contributes to saving to obtain an Infonavit credit.
• It offers flexible payment term options
• It provides access to Infonavit's housing benefits, even if you do not meet all of the organization's traditional requirements.

In addition, the Bansefi Infonavit Secure Credit provides support to low-income workers to acquire a home, including Infonavit support. Through a savings program, workers can deposit a specific amount of money monthly for a period of 4 to 24 months, thus facilitating the application for an Infonavit credit and access to housing in a more affordable way.

There are testimonials from individuals who have experienced benefits by committing to save a monthly amount of money for a specific period with the Bansefi Infonavit Secure Credit, which has allowed them to access a secure and reliable credit for the acquisition of their home.

Second Infonavit Credit with Bansefi Support

If you have already applied for an Infonavit loan in the past and wish to apply for a second loan, Bansefi can help you. To apply for a second Infonavit loan with Bansefi, you must meet the following requirements:

1. Have correctly paid off your first credit.
2. Have at least two years of continuous contributions with any employer.
3. You must have the necessary Infonavit points.
4. Have paid off your first loan on time.
5. Wait at least six months to apply for your second loan.

Bansefi provides additional benefits on the second Infonavit credit. These benefits include:

• A maximum amount of up to 2 million 671 thousand 180 pesos.
• A fixed annual interest rate
• Flexible payment terms of 5, 10, 15, 20, 25 or 30 years.

Contact and Advice: Communication Channels with Infonavit and Bansefi

If you have any questions or need advice during your credit application process, you can contact Infonavit and Bansefi.

• The contact number for Infonavit's customer service is 55 9171 5050.
• You can also find financial advice online at their official website.
• They have Infonavit Service Centers throughout the country where it is possible to receive advice.

To obtain advice on Bansefi loans, you can establish communication through the Banco del Bienestar. The corresponding address is Av. Río Magdalena No. 115, Colonia Tizapán San Ángel, Delegación Álvaro Obregón, C.P. 01090, Mexico City.

Summary

In summary, the Bansefi Infonavit Secure Credit is a savings and financing program that can facilitate your path to homeownership. Through this program, you can accumulate the necessary points to apply for an Infonavit loan, even if you do not meet the traditional requirements. In addition, Bansefi offers various services and tools, such as programmed savings and the Crédito Seguro simulator, which can help you obtain your credit and purchase your home. Remember, the dream of owning your own home can be within your reach with Bansefi Infonavit Secure Credit.

Frequently Asked Questions

What is BANSEFI Bank now called?

BANSEFI Bank is now called Banco del Bienestar, formerly known as La Red de la Gente. This bank now has 3,000 branches, making it one of the institutions with the largest presence nationwide.

What is BANSEFI and what is it for?

BANSEFI is Banco del Ahorro Nacional y Servicios Financieros, Sociedad Nacional de Crédito. Its objective is to promote savings, financing and investment, especially among low-income segments of the population.

How can I check my BANSEFI card balance?

You can check your BANSEFI card balance through the bank's website by selecting the "Consult Balance" option and entering your card number. In addition, you can also do so at Banco del Bienestar teller windows, ATMs and authorized Correspondent Banks.

When did BANSEFI change to Banco del Bienestar?

BANSEFI changed its corporate name to Banco del Bienestar on January 6, 2020, following the publication of the Reform to the Organic Law in July 2019. This change was made to expand its services and become an even more social welfare-oriented institution.

How to pre-qualify for secure credit?

To pre-qualify for secure credit, you must go to a Bansefi branch and open an Infonavit Savings Account, where you will submit the Secure Credit Pre-qualification. At that branch, you will define a savings term between 4, 6, 12 and 24 months for the agreed amount.