Financing Options

To purchase the home of your dreams in La Paz, BCS, FH Inmobiliaria offers a variety of financing options.
We work with the leading credit institutions and programs, such as INFONAVIT, FOVISSSTE, and mortgage loans.
At FH Inmobiliaria, we guide you through every step of the financing process to help you find the option that best suits your needs.

Do You Have Questions?

If you have any doubts or need advice on mortgage financing, don’t hesitate to contact us. Our team of experts is available to help you find the best option for your needs and answer any questions you may have.

Maximum loan amount: $1,618,683.26 MXN
Subaccount balance: You can use the balance from your housing subaccount.
Employer contributions: Your subsequent employer contributions help pay off your loan.
Conjugal loan option: You can apply for a joint credit with your spouse to increase the loan amount if your income exceeds 11 VSM.
Interest rate: 12% annually.
Monthly payment: The total monthly payment (including deductions and employer contributions) is equivalent to 30% of your integrated salary.

Have a housing unit of at least 38 m².
Be an INFONAVIT beneficiary with an active employment relationship.
Meet the minimum required score of 116 points.
Have a minimum monthly salary of $9,589.68 MXN.

Maximum loan amount granted by the institute: $921,472.64 MXN.
You use the balance of your housing subaccount.
Your subsequent employer contributions help amortize your loan.
You can apply for a spousal loan to increase the amount by combining your loan with your spouse’s.
Annual interest rate: 12%.
Your monthly payment, which includes the deducted amount plus the employer contribution, is equivalent to 30% of your integrated salary.

Have a home of at least 38m².
Be an INFONAVIT beneficiary with an active employment relationship.
Meet the minimum required score of 116 points.
Have any salary level.

Maximum loan amount: 1,654,209.92.
Repayment term options: 5, 10, 15, 20, 25, or 30 years, but the sum of your age and the loan term must not exceed 70 years.
The loan amount is calculated based on the selected term and payment capacity.
Annual interest rate: 11.7%.
This loan cannot be supplemented with federal subsidies.

Have a home of at least 38m².
Be an INFONAVIT beneficiary with an active employment relationship.
All workers can apply, regardless of their salary level.
Have completed the first loan at least six months ago and made payments regularly.
Maintain a good credit history.

The maximum credit amount granted by the institute is 297,535.74.
You use the balance of your housing subaccount.
Your subsequent employer contributions help pay down your credit, and once the credit is paid off, they help with the payment of the credit with the other institution.
You can apply for a joint credit to increase the amount, adding your spouse’s credit.
The interest rate ranges from 4% to 10%, depending on your salary level.
Your monthly payment, which is the sum of the amount deducted from your salary plus the employer contribution, is equivalent to 30% of your integrated salary.

Have a home of at least 38m2.
Be a beneficiary of INFONAVIT, with an active employment relationship.
Meet the minimum required score of 116 points.
Have any salary level.

The maximum credit amount granted is up to $981,125.23, plus the balance of the housing subaccount from the SAR.
The credit for a beneficiary is based on their monthly salary, which is reported by the employer through the SIRI system.
The maximum term for repaying the credit is 30 years.
The credit payment is 30% of the basic salary, and it is paid through payroll.

Meet the minimum required score of 116 points.
They must have contributed to the ISSSTE housing fund for a minimum of 18 months at the time of registration for the lottery.
Credit will not be granted if the applicant has already been benefited with a credit from FOVISSSTE, and applicants should not be in the process of being evaluated for the granting of temporary or permanent disability pension.

Financing up to 90% of the property’s value.
Fixed interest rate for the entire term of the loan.
No penalty for early capital payments.
Life, disability, and unemployment insurance (if applicable) included in the loan.

Have a legal activity that generates sufficient income to allow the person to cover the monthly payments of the loan without putting their finances at risk.
Have a healthy credit history.
Be Mexican by naturalization or birth.
The financing from the financial institution ranges from 80% to 110% of the property’s value.
Meet the financial institution’s requirements (age, income verification, job tenure, indebtedness, etc.).

Financing Options

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