Infonavit: Pay your debts and settle your mortgage with another financial institution – UnoTV

he is Telephone details has launched a new credit option that allows beneficiaries to liquidate theirs mortgage debt with another financial institution . This scheme is called Payment of Duties offers different options and guarantees to accommodate the needs of each applicant. With this option, employees can transfer their debts to Infonavit, consolidating their payments and taking advantage of Infonavit’s credit conditions.

Types of Payment Obligations: Mortgage guarantee and housing sub-account

If it is savings in your Housing Sub-Account less than the debt with the financial institution, the Telephone details It gives you additional credit to settle the debt and take the property itself as collateral, this method is called Payment of obligations with a mortgage guarantee .

If the savings in Housing sub-account more than the debt, the guarantee is the remaining balance of the sub-account after the credit is paid, known as Payment of liabilities with guarantee of sub-account balance .

Infonavit Liability Payment credit features

The credit of Payment of Duties It is granted in pesos and has a fixed rate that depends on the applicant’s salary level, and will remain constant throughout the life of the loan. If the loan was contracted before May 1, 2024, the account statement will show an “administrative fee” that varies according to the beneficiary’s initial salary.

• For income up to 2.6 UMA (8 thousand 581.37 pesos from November 2024): Not known
• For tickets from 2.7 to 6.5 UMA (from 8,911.43 to 21,453.44 in November 2024): A 0.5% annual fee applies.
• For income higher than 6.6 UMA (21 thousand 783.49): The fee is 1% per year on the balance of the loan.

Starting in May 2024, new credits no longer include this fee.

he is Telephone details allowing you to choose the amount and term of the credit, with a limit of 2 million 716 thousand 334.54 pesos adjusted to the applicant’s ability to pay. The maximum term can be between five and 30 years, respecting the limit that the sum of the applicant’s age and the term cannot exceed 70 years for men and 75 for women.

Payment of liabilities with balance guarantee in housing sub-account

For those who choose this option, the credit a one top of 3 A (equivalent to 9,901.58 pesos). This scheme is not required notary fees or damage insurance, and the term also varies according to the age range mentioned above.

Requirements for Credit Payment​​​​Liability to request

1. Be eligible for and have at least a current employment relationship 1,080 points at Infonavit.
2. Not having an active Infonavit credit.
3. Request a Conditional Balance Sheet with the current credit financial institution.
4. Evaluation process by registered unit with Infonavit.
5. Complete the online course Experience a better decision in my Infonavit Account.
6. Submit the full application to the Infonavit Service Center (Cesi) nearest, with the necessary documents.