Once the workers manage to get their Infonavit credit And buying a home, the questions that most of them face are how the financing payment is made up and what is the correct way to do it.
To clarify these questions, the first thing to explain is that the payment of our Infonavit credit is divided into three parts.
A part of the amount paid monthly is destined to the loan principal, which means that as time passes, the interests they are reduced and a greater part of the money is destined to the payment of the principal of the debt.
The second part is paid at interest, which is established by multiplying the total amount of the loan by the interest rate that was established in the financing contract.
And the third, towards damage insurance, which is a protection with which all Infonavit credits, except Improvement, count to insure the homes for the entire life of the loan.
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How is the Infonavit credit payment made?
If you have a permanent job, the monthly payment of your credit will be made automatically at the time your payroll is deposited, but for this to happen your employer must take charge of deducting the amount of the payment and deliver it to Infonavit.
In this case, you have to remember that the monthly payment of your credit will be made up of the amount that the employer is going to retain corresponding to the credit and the 5 percent per month that your employer must contribute by law to Infonavit.
Remember that if you earn less than a minimum wage, the monthly payment of your credit may not exceed 20 percent of your salary and if you earn more than a minimum wage, the monthly payment will be according to the payment factor you hire and your income .
On the other hand, if you do not have a job, you will have to pay the amount or the factor that was established in your loan granting contract, which considers the repayment of the credit, as well as the damage insurance.
There are many forms of payment to make the deposit of your monthly payment to Infonavit. When you do it at a bank window or by means of an electronic transfer, you can do it with the following information:
- CLABE: 021180550300050811.
- Destiny bank: HSBC.
- The number 5503, in the field that asks for the reference or numerical reference and that you can distinguish because it does not admit more than 7 digits.
- Your credit number, which consists of 10 digits, in the field named as: payment concept, payment reason or alphanumeric reference, among others.
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If you prefer, you can also go to different establishments, self-service stores and even pharmacies, where you must provide the cashier with your credit number or show them your account statement, but remember that the minimum payment is 50 pesos and no commission is charged.
To make your payment from the United States, you must go to one of the businesses affiliated with Dolex or Datransfer, provide the 10-digit credit and make the deposit. Check the addresses through Maxitransfers and Express Exchange.
And to pay from “My Infonavit Account”With your credit or debit card from any bank, except American Express, making up to three payments per month for a maximum amount of 30 thousand pesos each.
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