Through the conversion of the Minimum Wage Times credit to pesos, there are beneficiaries who have had a significant reduction in the balance of their Infonavit credit, or who have even been able to liquidate it ahead of time, indicated Mario Rojas Hernández, regional delegate of the Institute of National Housing Fund for Workers (Infonavit).
Rojas Hernández invited the workers who still have their credit in Times Minimum Wage (VSM) to convert it to pesos, with which they can obtain some benefits, including a fixed monthly payment until they settle the entire debt; a better interest rate, which can range from 1.5 to 13% depending on the amount of salary; and a discount on the total credit balance.
As an example, he mentioned that the discount applied for the benefit of the beneficiaries has generated significant savings, in addition to helping them pay off their credit sooner; Such is the case of a person who had a balance to pay of 1.4 million pesos in 16 or 18 more monthly payments, but received a discount of 1.3 million pesos, so he only has 100 thousand pesos left to pay and he will do it sooner of the period ahead, “if they have not settled it (when receiving the discount), at least they are certain that it will be a fixed monthly payment and will not have the surprise of the annual increase.”
He highlighted that the credit conversion is carried out personally and directly, so it is not necessary to resort to managers or offices, but rather each person can access the My Infonavit Account page, or go to the Institute’s offices to receive advice. or you can even be helped with the procedure at that very moment.
To access the Shared Responsibility program it is only necessary to have the credit in VSM, which can be identified by an increase in the monthly payments year after year, and that were contracted before 2016, “from 2017 onwards they have been in pesos (the credits ) with a fixed monthly payment; Those that do not qualify are co-financing between the bank and Infonavit, because the one who is giving the credit is the banking institution.” He also clarified that since these are shared credits, each beneficiary must carry out the conversion individually, since it is not “automatically” applied to the other when one of them does so.
If a beneficiary already has an account in My Infonavit Account, the credit conversion process may take 5 minutes; If you do not yet have your account, you must create it first, for which you will need your Social Security Number, your RFC and an email address, so it is recommended to have a payroll receipt on hand to identify this data.
Rojas Hernández reported that at the beginning of the Shared Responsibility program there were 43 thousand workers in the state with VSM credits, of which there has been an advance of 20 thousand, so he invited the other 23 thousand to carry out the procedure, Above all, take advantage of these last two months of the year before the annual adjustment is applied to your monthly payment at the beginning of 2024.
Likewise, he invited you to learn about all the benefits that the Institute offers through its platforms, My Infonavit Account and Infonavit Fácil, through which various procedures can be carried out, so it is practically no longer necessary to go to the offices, “Everything is done through the cell phone or computer.”
He recognized that these platforms are still unknown among the legal profession, and it is generalized, since it occurs in all ages and in people with different income levels, although in the case of elderly people the lack of an email or a telephone, is what makes it difficult for them to access the online service.
Through the platforms you can learn about the different Infonavit credit instruments, the programs it has, check the credit status, among other options, which is why it reiterated the invitation to make use of them, both in www.micuenta.infonavit.org.mx like in infonavitfacil.mx
2023-11-09 05:59:15
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