If you are one of those people who have little started with the payment of your Infonavi t credit, then this information may interest you, because we will give you a tool to have greater clarity in your discounts or withholdings.
This is the notice of withholding discounts from the Institute of the National Housing Fund for Workers (Infonavit), which will be very useful for the employer of your company.
What is it for? It is a notification that is required to deduct the proportional part of your salary, which corresponds to the payment of the credit and the correct payment, that is, the amount needed and not overpaid.
The discount withholding notice has two main benefits that are:
* It will serve to ensure that employers' contributions and part of their salary are used to reduce their new debt.
*It is very easy to apply through an online procedure that we will detail below.
How to apply?
1.- The interested party must enter myaccount.infonavit.org.mx and click on the “My Credit” section, click on the “Notices of suspension, retention and modification of discounts” tab, where they must confirm the information required.
2.- If the data is correct, you can download the document.
3.- You must then hand it over to the staff of the human resources area of the company where you work, so that it can be signed by the authorized responsible party.
4.- Once endorsed by your employer, you must hand it over to a notary public so that withholding from your salary can be made.
Another question around the topic is what will happen if I change my job? In this case, the worker must update their notice of withholding discounts each time they are hired in another company.
The objective is to have better control over your payments, to resume your payments if for an emergency you used one of the discount suspension programs.
In addition, both the employer and the Institute know when they will have to take from their salary in order to settle the financing as soon as possible.
If you have any questions or clarifications, you can visit the institute's website at: infonavitfacil.mx or call Infonatel at the following telephone number: 800 008 39 00, or from anywhere in the country.
It should be remembered that, according to Infonavit, the credit also has some advantages for the benefit of people, such as: its payments are fixed throughout the life of the loan, the interest rate will be adjusted according to the salary, life has insurance against damages in the event of a natural disaster, they offer a greater amount of financing , there are no annual increases and there is no limit to the value of housing.
It will also be important to detail that, in order for a person to apply for financing, they must take into account their age plus the repayment period, that is, they cannot be more than 65 years old.
The first thing that an employee who wants to take out a credit should know is that it will vary according to age and salary. In addition to analyzing the amount that a person has in the Housing Subaccount. It will be necessary to remember that, the Housing Subaccount is the accumulated money, which is part of the retirement fund, that is, the amounts or contributions that the employee has made to Infonavit throughout his working life.
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