With the aim of continuing to support employees in protecting their homes, the Institute of the National Housing Fund for Workers (Infonavit) made the program more flexible Clean slate by private agreement. This will help people who are behind on their payments.
The Clean Slate by Private Agreement program is aimed at people who enter debt in their payments to regulate their creditworthiness, regardless of whether their financing is in minimum wage periods (VSM) or in pesos.
How does the new Infonavit program work?
To request the new Infonavit program, people with late monthly payments do not need an intermediary or “coyote”, they just need to enter “My Infonavit Account” in the “My Balance” section and then go to the “Restructuring Request” section. to carry out their support process.
You can go too Infonavit Service Center (Cesi) or in the collection area of the nearest Infonavit delegation, with a social security number (NSS) or credit number and a valid official ID.
This solution can be requested up to twice a year The unpaid monthly installments plus interest will be credited to the balance. Monthly payments remain the same as before you applied.
If post-solution payments are made on time and the established criteria are met, accredited individuals could receive an economic benefit that would be directly credited against current debt, helping to reduce it in the medium term.
Requirements for participation in Infonavit’s Clean Slate
One of the conditions for people with a formal employment relationship to be able to receive the economic benefit is this A bi-monthly payment from your employer must be listed in Infonavit records.
People without employment must make three full payments in a row as long as they remain in the same regime from start to finish (formal employment or no employment).
The amount of economic benefit depends on the number of outstanding payments:
- This corresponds to a monthly payment (without insurance or commissions): if between one and two monthly loan payments have been missed.
- The equivalent of the interesting generated ones from the third monthly installment: If the loan has three to nine monthly installments outstanding.
It is important to clarify that upon the first payment made upon acceptance of this program, in addition to the established monthly payment, the credits with one and two outstanding monthly payments must cover the insurance and commissions accrued for the unpaid months.
