Carlos Martínez pointed out that the program called Solidarity Support implies financial restructures that are paid over time and that are self-sustaining because by keeping workers in the formal sector, they do not have to constitute equivalent reserves.
“For example: they took out their credit when they had 4 (minimum) wages, they lose their job and are re-employed in a job that pays them three salaries. As the monthly payment was calculated on four salaries and not on three, now instead of paying 27% of their income, they pay 37%. This makes families, when changing jobs, suddenly see that up to 40 or 50% of their income is deducted from them. Infonavit did not have any type of restructuring for these cases, “said the official.
“If we continue to charge the same, they will have less liquidity to spend on their families. What do we want? We need families to have more liquidity and to help the economy grow through consumption and to help the economy to recover ”, he added.
Although Apoyo Solidario was designed mainly for workers who, after losing their job, returned to the formal market with a lower salary, and therefore are in the ordinary amortization regime (ROA), those who no longer contribute and can also apply to restructuring. they pay their credits on their own account in the extraordinary repayment regime (REA).
Requirements
Before applying for these discounts, which will be applied – with a semi-annual progressive decrease; 75% the first semester, 50% in the second and 25% in the third – for 18 months, borrowers have to register in My Infonavit Account .
In addition, they have to meet the following requirements:
1. That the mortgage payment on income is greater than 30%.
2. The credit must be in minimum wages (VSM), that is, processed before January 2017, at least 5 years paying.
3. Be up to date with payments, or not present more than 9 months of non-payment.
4. Not having an active permanent restructuring.
Listen to us
For Infonavit it is more expensive for a worker to lose his job, because “we have to build reserves on his credit,” hence the reason for Apoyo Solidario, said Martínez Velázquez.
The director of Infonavit asked employers that, if they have to choose between two people with the same training and the same skills, they opt for the one who has a mortgage loan, while, for its part, the institute, through Apoyo Solidario , gives workers the opportunity to restructure their loans and obtain discounts.
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