“Two years ago I checked it (the amount of the debt) and it was almost 2 million pesos. Now that it has moved to pesos, it is a more reasonable amount, ”said Mrs. Esther Mendoza to Expansión, to whom the institute lent around 268,000 pesos in 1998 to buy her house.
Now, he added, the monthly payments he pays are 2,767.83 pesos. “Before doing so, he paid 865 pesos, but every time the minimum wage went up, the value of the apartment went up, so there was never an end to it,” he commented.
Due to credit conditions, some workers will see an increase in the amount to be paid each month, but there will be a reduction in the total amount to be paid.
“It is a debt to which you did not see an end. Although you kept paying, you knew that coming the following year it was going to increase, ”he commented on his account Óscar Valenzuela, who processed his credit in 1996.
He had a debt of just over 1.8 million pesos; with Shared Responsibility it dropped to 204,000 pesos, that is, it obtained a 90% reduction, with monthly payments of 2,112.63 pesos.
From 2019 to the end of February of this year, more than one million VSM credits had been converted into pesos with discounts that exceed 76,492 million pesos (mdp), according to Infonavit data.
There are still more than 1.77 million credits that can be converted to pesos, says Infonavit.
To convert the credit into pesos, workers have to enter My Infonavit Account. Although it is not a very long process, sometimes the portal is saturated, said Óscar, who said that he was able to make the change after four attempts.
“The discount it gives you is too much. The restructuring is already significant and helps you get the papers for your house in the short term; In addition to the fact that the monthly payment is already fixed”, Valenzuela points out.
Both accredited agreed that, having their credit in pesos, they feel calmer because they know how much they have left to pay.
“I am happier because I can now finish paying for my house and obtain the deeds,” celebrated Óscar Valenzuela.
Esther Mendoza invited those who still have not changed their credit to do so. “Cheer up! It’s really worth the process.”
