Due to the fact that among the main requirements to access a loan in Infonavit is being a beneficiary of the Mexican Institute of Social Security (IMSS), retired people, when they stop contributing, cannot be entitled to a loan.
But all is not lost, since if this credit was never used, retired citizens can still apply a refund of the balance in the housing subaccount, as long as the money has not been transferred to the Afore account.
To request this balance, simply enter the Infonavit web portal, go to the workers services section and then request a refund, to later enter with the Social Security Number (SSN) and fill out the application.
In case of being accepted after an evaluation, a bank account number must be provided where the money from the accumulated savings will be deposited.
It should be remembered that recently, the Institute of the National Housing Fund for Workers (Infonavit) modified the scoring system for the origination of new mortgage loans, so now one thousand 80 points will be needed and not 116 as the previous scheme for request it.
However, the institute explained that the changes will not imply more requirements, only the review of elements to make the beneficiary eligible for a home loan.
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