Infonavit: How much should you pay as an independent worker to have a house?

2024-04-09 18:42:59

Here we tell you how much you should pay to the IInstitute of the National Housing Fund (Infonavit) if you want to have one casa being a independent worker.

Becoming a creditor of property, be it land or a house, can be the dream of many people, in order to free themselves from their parents or to not pay rent. However, by not having fixed or sufficient resources to obtain credit, this desire can be complicated.

For this reason, below we will tell you how you should pay for a house if you are an independent worker and the salary you receive fluctuates.

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How to buy a home as an independent worker?

According to Infonavit, the first thing employees should do is:

• Register with the IMSS as independent workers, through the site and you will automatically be registered with Infonavit.
• After obtaining the Social Security, RFC and CURP numbers, you will be able to pay the fees to obtain savings in the Housing Subaccount, which will allow you to access the products offered by the institution.
• Said payment must be the equivalent of 5% of the salary registered in the IMSS.
• The amount of payments will be notified on the registration page.
• You can select this on the registration page, where you are told the amount to pay for each period.

And well, if you want to pay a little more than indicated for each period, in order to increase and/or obtain credit in less time, you can make use of the Extraordinary Contributions service available at My Infonavit Account or in the Infonavit Mobile Application.

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When should payments be made to Infonavit?

The Institution indicates that payments must be made no later than the 20th of each month or no later than the 20th of the initial month of the period, according to the time period in which you have registered, this can be monthly, semi-annual or annual. .

Something to highlight is that if you have a favorable balance in your Housing Subaccount, it will be used to pay for any of the Infonavit products, and if you do not use it during your working life, you can request its return once you meet the established requirements. by the law.

CSAS

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2024-04-09 18:42:59