Como Se Calcula El Descuento De Infonavit En Pesos

How to calculate the Infonavit discount

The calculation of the Infonavit discount involves several steps and factors. Here's a simplified overview of the process:

1. Determine the total price of the property in pesos.
2. Identify the type of Infonavit credit you qualify for (e.g., Infonavit 100%, Infonavit 50%, or Infonavit 20%).
3. Calculate the percentage of the property price that will be covered by the Infonavit credit.
4. Subtract the Infonavit credit amount from the total property price to determine the amount you will need to finance.
5. Calculate the monthly payment based on the remaining amount and the agreed-upon interest rate.

The exact calculation can vary depending on the specific terms of your Infonavit credit and the current regulations. It's always recommended to consult with a financial advisor or the Infonavit institution for the most accurate information.

The formula explained

The Infonavit discount is calculated using the following formula:

For example, if you are purchasing a property worth 500,000 pesos and you qualify for a 50% Infonavit credit, the Infonavit discount would be calculated as follows:

This means that the Infonavit institution will cover 250,000 pesos of the property price, and you will be responsible for the remaining 250,000 pesos.

Worked example

Let's consider a practical example to illustrate how the Infonavit discount is calculated.

Example Scenario

You are purchasing a property worth 600,000 pesos and you qualify for a 20% Infonavit credit. Here's how the calculation would work:

1. Property Price: 600,000 pesos
2. Infonavit Credit Percentage: 20%
3. Infonavit Discount: (600,000 × 20) / 100 = 120,000 pesos
4. Amount to Finance: 600,000 - 120,000 = 480,000 pesos

In this example, the Infonavit institution will cover 120,000 pesos of the property price, and you will be responsible for financing the remaining 480,000 pesos.

Assumptions and limitations

When calculating the Infonavit discount, it's important to consider the following assumptions and limitations:

• The Infonavit credit percentage is based on the type of credit you qualify for and the current regulations.
• The property price is the total price of the property, including any additional costs such as notary fees, property taxes, and insurance.
• The calculation does not take into account any additional discounts or promotions that may be available.
• The actual monthly payment will depend on the agreed-upon interest rate and the loan term.

It's always recommended to consult with a financial advisor or the Infonavit institution for the most accurate information and to understand the specific terms of your Infonavit credit.