Ukujonga amanqaku e-Infonavit: fumanisa ukuba sele ungalifumana na ikhaya lakho
Ngaba ubusazi ukuba usenokuba ukufutshane kakhulu ekubeni nekhaya lakho kunokuba ucinga?
Ngenombolo yakho yoKhuseleko lweNtlalo (NSS) kuphela, ungajonga amanqaku e-Infonavit uze ufumanise ukuba sele ufanele na ukufumana imali-mboleko.
Eli linyathelo lokuqala lokwenene lokwenza iphupha lakho lokuba nekhaya libe yinyani.
Ngawaphi amanqaku e-Infonavit, yaye asetyenziselwa ntoni?
Amanqaku e-Infonavit sisixhobo esisetyenziswa leli ziko ukulinganisa amandla akho okwangoku okufumana imali-mboleko. Awafani namanqaku emboleko asetyenziswa ziibhanki, koko luvavanyo olusekelwe kubudala bakho, kumvuzo, kwixesha ofake ngalo iminikelo nasekuzinzeni kwakho emsebenzini.
Ukususela kumanqaku ali-1080 ungaqalisa inkqubo yokuvavanywa kwangaphambili uze ufumane iintlobo ezahlukeneyo zeemali-mboleko, njenge-Crédito Tradicional, i-Cofinavit okanye i-Unamos Créditos.
Okukhona unamanqaku amaninzi, kokukhona unokufumana iimeko ezingcono.
Amanqaku e-Infonavit abalwa njani?
Amanqaku abalwa kuthathelwa ingqalelo:
- Ubudala bakho nomvuzo wakho
- Ixesha osele ufaka ngalo iminikelo ngokuqhubekayo
- Uhlobo lwekhontrakthi yakho yengqesho
- Uzinzo lwenkampani yakho
- Isixa semali ekwi-Subcuenta de Vivienda (iakhawunti engaphantsi yezindlu)
- Indlela oziphatha ngayo ngokonga ngokuzithandela (ukuba uyakonga)
Le nkqubo ivumela umsebenzi ngamnye ukuba abe novavanyo olulungiselelwe yena nolunobulungisa. Ayijongi nje kuphela ukuba urhola malini, kodwa ikwajonga ukuzinikela kwakho emsebenzini kunye nembali yakho yokwenza iminikelo.
Indlela yokujonga ukuba mangaphi amanqaku onawo e-Infonavit
Ukujonga amanqaku akho kusimahla, kuyakhawuleza kwaye kwenziwa nge-intanethi ngokupheleleyo, i-100%. Ufuna kuphela:
- Inombolo yakho yoKhuseleko lweNtlalo (NSS)
- I-CURP yakho
- Idilesi ye-imeyile esebenzayo
Emva koko, landela la manyathelo:
- Ngena kwindawo esemthethweni ye-Mi Cuenta Infonavit
- Ukuba awunayo iakhawunti, bhalisa ngemizuzu embalwa
- Ngena uze ukhethe ukhetho oluthi “Ukuvavanya kwangaphambili namanqaku”
- Inkqubo iza kukuxelela ngokuzenzekelayo ukuba mangaphi amanqaku onawo nokuba sele ungayifumana na imali-mboleko
Kwenzeka ntoni xa ungenawo amanqaku afunekayo?
Musa ukuzikhathaza. Ukuba awukafikeleli kumanqaku ayi-1080, inkqubo iza kukuxelela ukuba ushiyekelwe ngamangaphi nokuba zeziphi iindawo onokuphucula kuzo. Unako:
- Ukuqhubeka usenza iminikelo ngaphandle kokuphazamiseka
- Ukuphucula umvuzo wakho (ukuba kunokwenzeka)
- Ukugcina uzinzo emsebenzini wakho wangoku
- Ukwenza iminikelo yokuzithandela kwiakhawunti yakho engaphantsi
Le nkqubo yinxalenye ebalulekileyo ye-imfundo yezemali: ukuqonda into oyifunayo, indlela yokuyifikelela nexesha eza kulithatha. Ukucwangcisa sesona sixhobo sakho silungileyo.
Imfundo yezemali: ukuqonda amanqaku akho nokuthatha amanyathelo
Akwanelanga ukwazi ukuba mangaphi amanqaku onawo. Okubalulekileyo kukuqonda indlela yokuwasebenzisa. Imfundo yezemali ikufundisa ukusebenzisa olu lwazi ukuze lube luncedo kuwe:
- Ukwazi ukuba leliphi ixesha elifanelekileyo lokucela imali-mboleko
- Ukuhlola ukuba ungakwazi na ukuhlawula isavenge senyanga ngaphandle kokuchaphazela iindleko zakho
- Ukukhetha phakathi kweentlobo ezahlukeneyo zemali-mboleko ngokweemeko zakho
Ukujonga amanqaku e-Infonavit yinxalenye yomkhwa olungileyo: ukuhlola imeko yakho yezemali rhoqo, ukufumana ulwazi nokwenza izigqibo ngobulumko.
Ndingawajonga amanqaku ukuba andisebenzi ngoku?
Ewe. Ukuba wakha wenza iminikelo ngaphambili, iakhawunti yakho engaphantsi yokonga izindlu isekhona kwaye ungayijonga. Nokuba awenzi minikelo ngoku, unako:
- Ukujonga imali osele uyiqokelele
- Ukusebenzisa loo mali kwimali-mboleko yexesha elizayo
- Ukwenza iminikelo yokuzithandela
- Ukujonga ukuba uyazifezekisa na iimfuno ezisezantsi
Usenokuqwalasela nezinye iindlela ezifana ne-Cuenta Infonavit + Banco, ukuze udibanise izibonelelo zemali.
Iingenelo zokujonga amanqaku akho rhoqo
- Kukunceda ucwangcise imali-mboleko yakho kwangethuba
- Ungafumanisa ukuba uyafaneleka na kwiinkqubo ezikhethekileyo
- Uyakwazi ukubona ukuba kukho iimpazamo okanye ukungangqinelani
- Kukukhuthaza ukuba uphucule imeko yakho yomsebenzi neyezimali
Lo mkhwa uyinxalenye ebalulekileyo yokukhula kwakho. Ukujonga amanqaku akho namhlanje kunokuthetha ukufudukela kwindlu entsha kwangethuba kunokuba ucinga.
📌 Imibuzo edla ngokubuzwa (FAQ)
Kufuneka ndiwajonge kangaphi amanqaku am e-Infonavit?
Ungawajonga nanini na ufuna, kodwa kucetyiswa ukuba uwajonge ubuncinane qho kwiinyanga ezi-3 ukuya kwezi-6, okanye xa utshintsha umsebenzi.
Ngawaphi amanqaku endiwadingayo ukuze ndifumane imali-mboleko ye-Infonavit?
Ufuna ubuncinane amanqaku ayi-1080, nangona eli nani lisenokwahluka ngokohlobo lwemali-mboleko.
Ngaba amanqaku e-Infonavit ayaphelelwa?
Hayi, kodwa ukuba uyayeka ukwenza iminikelo, inkqubo iyawamisa okwethutyana. Xa ubuyela emsebenzini, inkqubo iyaqhubeka.
Kwenzeka ntoni ukuba ndinamanqaku kodwa andifuni mali-mboleko ngoku?
Akukho ngxaki. Ungaqhubeka uqokelela imali kwiakhawunti yakho engaphantsi de ugqibe ekubeni uyisebenzise. Imali yakho iyaqhubeka ivelisa inzuzo.
Ngaba ukujonga amanqaku e-Infonavit kuyinxalenye yemfundo yezemali?
Ewe! Lelinye lamanyathelo okuqala okwenza izigqibo unolwazi, ucwangcise ubutyebi bakho uze wenze izinto ngoxanduva lwezemali.