Do you want to buy a house with your partner, but you don’t know how to do it? Here we share 5 recommendations to invest in real estate if you are part of the LGBT + community in Mexico.
Despite the fact that equal marriages only represent 0.7% of marriages in Mexico, according to figures from the National Institute of Statistics and Geography (INEGI) in 2018, the inclusion that exists in the country is growing at an accelerated pace.
That is why the Organization for Economic Cooperation and Development (OECD) launched, in its 2019 edition of Society at a Glance , a special section of attention for the LGBT + community in Mexico . For example, this is one of the 32 countries that prohibit employment discrimination based on the sexual orientation of candidates, 13 of the 32 Mexican states accept same-sex marriage, and the legislation of the remaining ones is constantly being adapted to continue to guarantee the rights of this community.
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There is still a long way to go, however, sharing a home is no longer a difficult task, that’s why we share 5 recommendations to buy a house if you are from the LGBT + community.
Recommendations for buying a house if you are from the LGBT + community in Mexico
Make sure you know your rights
The first recommendation to buy a house is to know your rights as part of the LGBT + community in Mexico. This with the intention that no owner, real estate agency or real estate agent can discriminate against you for having a different sexual orientation or gender identity.
For 16 years, the United Nations has proclaimed May 17 as the International Day Against Homophobia and Transphobia. In this way, political leaders, activists, the media and the general population make a call to raise awareness in society about the violence and discrimination suffered by LGBTTTI people.
Due to this, the Ministry of Foreign Relations has become an ally to grant more rights to the LGBT + community in Mexico and change certain laws, for example, that marriages are not only between men and women as dictated in the Civil Code Federal.
Based on the above, buying a house is a commitment that you will have to acquire with another person, so it is very important to know how the laws that can protect you in this process work.
Learn about co-financing programs
Currently, there are financial entities that have co-financing programs to acquire a home among friends, married couples or couples living in common law. Here we show you what they are:
Infonavit Joint Credit
The joint mortgage loan is intended for the beneficiaries who are affiliated with the Mexican Social Security Institute, who being spouses can add two amounts of approved loans to obtain greater financing for the purchase of a house or apartment, whether new or used.
Continuing with the above, according to information from Carlos Martínez, general director of the institute, there is no type of restriction so that people who belong to the LGBT + community in Mexico cannot request a joint loan.
Likewise, it urges other states to change legislatures to approve equal marriage since, failing to do so, it takes away their right to access better housing. Currently, the most inclusive states are Mexico City, Sonora, Baja California, Querétaro and Jalisco.
Let’s Join Infonavit Credits
The institute launched a new financing scheme known as Unamos Credits , which allows you to buy a new or used house with a family member, friends or partners without the need to be married. All they need is to be affiliated with the IMSS, maintain a formal employment relationship and have at least 116 Infonavit points.
Since last June 26, Infonavit has granted 460 mortgage loans under this scheme, of which 230 same-sex couples have benefited from this financing. According to figures from the institute, 56% of the loans are located in Jalisco, Baja California, the State of Mexico, Quintana Roo, Nuevo León, Guanajuato and Chihuahua.
On the other hand, it is possible to find banking institutions that grant financing to LGBTTTI couples, but it is essential to verify that they are legally married. Likewise, there are other banks that allow co-creditors without blood ties or without the need to be married.
Learn to identify situations of discrimination
Another of the recommendations to buy a house that you have to put into practice is knowing how to respond to situations of discrimination. This point is very important, because there are situations that are difficult to detect or misinterpret. For example, if you are prevented from showing you a house, if the house is sold to another person who made a lower offer than yours, or if the seller withdraws from the negotiation after knowing your identity, you may be a victim of discrimination.
If you are a victim of discrimination, we recommend taking action. You can file a complaint for housing discrimination with your city council and another with the real estate agency if you suffered exclusion by an agent or owner.
Hire an experienced real estate agent
The real estate agent will be your best ally in the process of buying a house . Therefore, it is necessary that you choose a professional who knows the rights of the LGBT + community in Mexico. This will be useful as it will help you find a financing scheme that suits your needs, it will recognize discriminatory behaviors and can also guide you with government support if they arise.
Choose a friendly neighborhood
Finally, all people who want to invest in real estate want to do it in a good neighborhood . This place must be a safe area, have public services, parks, but above all there must be an environment of inclusion, since that will be the space that you will share every day with your loved ones. Thus, you will have to make it very clear to your real estate agent the type of property you want to acquire.
Do not stop putting these 5 recommendations to buy a house into practice and start choosing the home of your dreams in Vivanuncios , eBay’s real estate portal in Mexico.