Infonavit: How can I use my savings money if I didn’t ask for a loan?

He Institute of the National Housing Fund for Workers (Infonavit) It is a public institution that grants real estate credits to workers so that they can access decent housing, however, this is not the only benefit that it has, in case of needing it, The beneficiaries can also access the money saved in their housing sub -accounts even if they decide not to use it to buy a house.

Here we show you three legal options to use your savings money.

How to use my infonavit money without buying home?

There are three cases where you can withdraw the money from your housing sub -account:

Return for early retirement without infonavit credit

If you never requested an Infonavit loan, you can request the return of the accumulated amount in your account at the time of withdrawing in advance of your work activities or when they are 65 years old. For this procedure, it is necessary to present the CURP, the Social Security number and the account status.

Retirement or pension

When reaching the retirement age or pensioning you can ask the Institute to deliver your savings balance. To do this, you must be pensioned by the IMSS and present the required documentation.

Pensioners of the IMSS 1973 Law can request the amount directly. On the other hand, pensioners under the IMSS Law of 1997 can withdraw the accumulated money in their Afore, which includes the funds of the sub -account.

Death of the worker

The legal beneficiaries of a deceased worker can claim the accumulated balance in their housing sub -account. To do this, in addition to the death certificate, the official identification of each beneficiary and documents that prove the family relationship will be necessary.

Can I use my Infonavit money if I already asked for a loan?

If you used the resources of your housing sub -account for an Infonavit loan, the amount you could receive is lower, but you can always have access to the remaining resources.

In the case of not wanting to use the money immediately, you can request that the balance be transferred to your Afore account, which will help you generate greater returns until you decide to withdraw it.

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