The Institute of the National Housing Fund for Workers (INFONAVIT) has different programs and tools that help users Mexican formal sector workers so they can buy, repair or improve their homes.
Under this understanding, among the different services offered by the Institute of the National Housing Fund for Workers (INFONAVIT) for the benefit of Mexican workers is the possibility of reduce the amount of credit payments without implying an increase in the final term of the debt.
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It is in this way that with the “Ability to Pay Opinion” of the Institute of the National Housing Fund for Workers (INFONAVIT), workers can pay a lower monthly payment for their credit as their income decreases.
It is in this way that, according to what is detailed on the official website of the Institute of the National Housing Fund for Workers (INFONAVIT), through the Ability to Pay Opinion it is calculated how much the worker can pay when your income is less than usual, regardless of whether the credit is in Times Minimum Wage (VSM) or in pesos.
Thus, the INFONAVIT Ability to Pay Opinion applies in the following cases:
*Your income decreased and therefore you cannot pay your full monthly payment.
*You do not have a formal job, that is, you make payments on your own.
*You have had your credit for at least one year.
*You exhausted the six months of the Payment Protection Fund (unemployment insurance).
It is worth mentioning, in this sense, that the payment capacity of the worker with INFONAVIT credit It is determined based on the analysis of the income and expenses of the same. Once this is done, the person will have to pay the part of the monthly loan payment that they can cover, while the organization will pay the remainder that the collaborator cannot pay at the moment.
Requirements
To request a reduction in the monthly payment of the INFONAVIT credit, the worker must go to the Infonavit Service Center (Cesi) or to the collection area of the INFONAVIT delegation (it can also be done on the My Infonavit Account portal). Once there you must present the following documents:
*Social Security Number (NSS) or credit number.
*Original and copy of an official identification.
*Original and copy of proof of address valid for no more than 3 months.
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