Do you feel that the years go by and your debt to him Inovit does not decrease? In Mexico There are many cases like this, in which the months pass, the debt is not reduced and on the contrary the monthly payments increase.
Own Institute of the National Fund for Housing for Workers (Infonavit) has identified that this problem is suffered by many Mexicans and has launched a new modality that will allow you to freeze your credit debt in 2022.
Before talking about it, we must explain to you why your debt does not decrease and Monthly payments are on the rise.
This is because some people are under the scheme Times Minimum Wage (VSM)which represents that the monthly payments are not fixed and register an increase each time the Minimum salary increase during the year (between 3% and 5% per year).
As if this were not enough, during the month of January, which is when the annual increase in minimum salary, an increase in the same proportion is also recorded.
How to freeze your Infonavit credit debt in 2022?
So that you can freeze your Infonavit credit, there is a new modality that consists of the person entitled to change their form of payment, so your debt will go from minimum wages to pesosautomatically setting the monthly payments.
This will benefit the beneficiary, since it will allow them to know more clearly the payments that must be made and these will remain fixed for the rest of the duration of the financing.
The procedure It is available from May 2022 and you will have to cover a series of requirements that we will share with you below, so that you can request the new modality.
Be registered in the My Infonavit Account portal The debt balance must be at least 1.3 times greater than the originally contracted financing. Earn at income level up to 4 minimum wages. You must be over 40 years old. Have no debts in the last 24 monthly payments. Minimum credit with a payment term of 15 years.