The Institute of the National Housing Fund for Workers (Infonavit) announces the reopening of the Universal Shared Responsibility Window this Wednesday, January 17, 2024.
This process allows borrowers to convert their Times Minimum Wage (VSM) credits into pesos, with the objective of freezing monthly payments and avoiding annual increases linked to inflation or salary increases, which could generate significant effects on borrowers’ accounts. beneficiaries.
With the call to beneficiaries who still maintain their credits in VSM, Infonavit seeks to add more people to the already 1.2 million who have benefited from this program. The conversion process is free and the importance of carrying it out directly, without intermediaries or “coyotes” is highlighted.
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The steps to carry out the conversion are simple and can be done through the online platform My Account Infonavit (micuenta.infonavit.org.mx), the procedure includes selecting the My Credit and Shared Responsibility tab, entering the state and zip code of the home, review and compare the different conversion options, confirm the procedure and save the Welcome Letter and the Modifying Letter of Financial Conditions with the new monthly payment amount.
If the borrower has an active restructuring, it will be necessary to accept its cancellation before starting the conversion. The benefits of this process are notable, highlighting:
Lower interest rate: Borrowers will have access to a lower interest rate, which varies between 1% and 10.45%, depending on the person’s income level.
Direct payment to capital: Contributions to Infonavit made by employers will be paid directly to the capital of the credit debt, resulting in a faster and more efficient payment.
With this initiative, Infonavit seeks to provide borrowers with the opportunity to optimize their credit conditions and ensure more stable management of their mortgage debts. The reopening of the Universal Shared Responsibility Window is expected to generate a positive impact on a greater number of workers and their families.
2024-01-17 19:15:07
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