If you lost your job for some reason and you are worried about your savings in the Institute of the National Housing Fund for Workers (INFONAVIT), you should know that your resources are safe.
If you had a contract at your workplace, every two months, your employer made employer contributions of 5 percent of your salary to your Housing Subaccount, and these resources made your savings grow little by little, but if you resign or are fired, These contributions will stop reaching your account until you find a new job.
Below, we explain what happens to your accumulated savings so that you can have peace of mind in case you become temporarily unemployed.
What happens to your savings in Infonavit if you stop working?
There are several myths about what happens to your savings at Infonavit, among them that you can lose all the money or that they can be reduced if you lose your job.
However, neither of these two options are real, according to a statement from the housing institute, the resources that you accumulate in your account are entirely yours.
The money in your Housing Subaccount will continue to be managed by Infonavit and will generate returns to your balance.
“When you return to work for a company and it complies with its contributions to Infonavit, you will once again receive deposits in your Housing Subaccount every two months and you will accumulate a greater amount of savings,” explains the institution.
Can I get Infonavit credit if I am in the Credit Bureau?
The Credit Bureau is a crucial point for those seeking to access loans and mortgages, especially with the Institute of the National Housing Fund for Workers (Infonavit). In the year 2024, the question of whether it is possible to obtain a loan from Infonavit while in the Credit Bureau continues to be a common concern among those seeking to secure their housing future.
The Credit Bureau is an entity authorized by the Ministry of Finance and Public Credit (SHCP) that collects information on the credit history of individuals and companies. This history includes details about each person’s payment compliance and debt management.
Contrary to what you might think, being in the Credit Bureau does not necessarily prevent you from obtaining an Infonavit loan. While credit history is evaluated, this is not the only consideration; since the institute carries out an individual evaluation of each case to determine the applicant’s ability to pay.
Although the Credit Bureau can influence the evaluation of credit risk, Infonavit also considers other financial aspects when calculating the loan amount. In some cases, even if the applicant has a less favorable credit history, Infonavit can offer a loan of between 80% and 90% of the value of the desired home.
With information from Alex Mata / El Sol de Parral
2024-03-28 22:58:24
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