Millions of beneficiaries of the Infonavit they have been able to make a home, and although this seems to be a privilege, sometimes paying said credit can become a penance because as the years go by, the date on which the debt can be paid seems distant, and this it causes its economy to be affected; given this, now you can review the information to know what are the requirements for restructure you credit in 2022 and thus ensure that no more interest is generated.
Since 2019, the National Workers Housing Fund Institute (Infonavit) created the program restructuring the Infonavit creditwhich consists of changing your credit that is found in Minimum Wage Times (VSM) to pesos, this with the aim of helping those workers who have a current mortgage credit in that mode and whose loan debt increases by increments in inflation, which causes the monthly payments to be higher and higher and the debt practically does not decrease.
This is due to the fact that with VSM credits, borrowers see how their debt and their monthly payments increase every year due to the adjustment of the minimum wage or the Unit of Measurement and Updating (UMA), for which reason many people who contracted their credit at a time greater than 10 years, today they owe 50% more than they owed at the beginning.
It is important to point out that making this movement brings with it several benefits, such as knowing with certainty the amount of the payment that must be made each month, as well as the time in which the debt will be covered. In addition, you could get a discount of up to 55% of your total debt and a fixed rate of 8.5%.
These are the requirements to restructure your Infonavit credit in 2022
If you are in the situation that you are paying for your house, but you notice that the debt does not decrease, you can request restructure you credit the Infonavit in this 2022, but first you must meet the following requirements:
- Being over 40 years old.
- Comply with payments for at least 24 months in a row.
- Your credit must be at least 15 years old.
- The balance must be 1.5 times greater than the original debt.
- Request an Opinion of Ability to Pay.
- Have a salary income of less than 4 minimum wages.
- Register on the Infonavit My Account page
Once you are registered you can restructure you credit the Infonavit online, since in My Infonavit Account you only have to enter the part that says “Shared responsibility”, where the new modality will be activated and the details of the debt will be broken down, including the exact monthly payment to be made monthly and the amount of months left to pay.
To clarify any doubt or request more information, you can contact the Infonavit at 55 9171 5050 in Mexico City or at 800 008 3900 from anywhere in the country.
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