How do I withdraw my Infonavit savings if I have already retired?

In an effort to ensure that retired workers get a fair and legal return on their housing savings, the Institute of the National Housing Fund for Workers (Infonavit) has simplified the refund process for those who have retired after January 13, 2012.

With the possibility of carrying out the procedure of I withdraw my Infonavit savings online through the platform My Infonavit Account, Pensioners can now recover their savings quickly and safely, generally within 10 business days, as long as they meet the established requirements.

This right to withdrawal of Infonavit savings applicable to all workers who have contributed to the Housing Subaccount during their formal work life, respecting the legislation that guarantees the ownership of these funds to their legitimate owners.

Have you asked yourself: How do I withdraw my Infonavit savings if I have already retired?: Here we tell you that the process for claim these savings varies according to the period in which the worker began his contribution, reflecting different legislations and policies applied over the years.

Process for pensioners after 2012:

For workers who retired on or after January 13, 2012, the refund request can be made directly online.

The requirements for make the withdrawal of Infonavit savings include being registered in My Infonavit Account, having a pension resolution issued by the Mexican Social Security Institute (IMSS)have a current e-signature of the Tax Administration Service (SAT)and have an active bank account.

Besides, They must not have current credits with Infonavit nor be in a legal process that prevents the use of the Housing Subaccount.

Requirements for pensioners between 1972 and 1992:

Those whose working life began between 1972 and 1992 They face a specific set of requirements due to the nature of the contributions from that period, which did not generate additional returns.

Those interested must be over 50 years old, not having worked for at least one year and have a pension resolution for disability, disability or old age issued by the IMSS, or be retired under a private plan.

In addition, they must have a resolution in favor of the Infonavit Disagreement Commission or a favorable court ruling.

Situation for workers from 1992 to 1997:

Workers who began their working life between 1992 and 1997 They have their savings in a Housing Subaccount that began to generate returns until June 1997.

To request withdrawal of Infonavit savings, you must be 65 years old or older, be registered in a Retirement Fund Administrator (Afore) and follow the procedures specified on the page of the National Commission of the Retirement Savings System (Consar).

Case of employees since 1997:

For those who started working after 1997the process involves having a pension opinion issued by the IMSS dated after July 1, 1997 and do not have current Infonavit credits.

The procedures can be carried out both at Infonavit and at the corresponding Afore, and it is necessary not to be involved in legal processes that prevent the return.

Fraud prevention:

Infonavit emphasizes the importance of carry out these procedures directly and without intermediaries to avoid fraud.

All the formalities are free and they can be done in person or online, but the institution offers support to those who require it to facilitate the process and ensure that pensioners are not victims of scams.

To stay informed and receive direct assistance, interested parties can consult the official Infonavit site and contact Infonatel to resolve any questions.

This ensures that retired workers have access to all the information necessary to recover your savings effectively and safelythus contributing to their financial well-being at the end of their working life.

Journalist with more than 15 years of experience in print and digital publications. I am currently editor of Debate.com.mx. I have a degree in Communication Sciences. I have covered diverse information sources, especially from the business areas. I usually write about personal finances, retirement, pensions, IMSS, employment, money, currencies, credits, entrepreneurship, insurance, technology, science and scientific studies in areas such as health. I like social networks, reading about marketing, SEO and literature, especially topics of politics and history. In 2018 I had to start mibolsillo.com and since then I have ventured into digital journalism.

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