Imali-mboleko ye-Infonavit: isikhokelo esipheleleyo

Ngutechnisor
Imali-mboleko ye-Infonavit: isikhokelo esipheleleyo
Iintengiso

Imali-mboleko ye-Infonavit yeyona mali-mboleko yezindlu ifikeleleka lula kubasebenzi baseMexico abahlawula iminikelo kwi-IMSS, inika imiqathango ekhethekileyo yokuthenga amakhaya abo.

Ngaphezulu kweminyaka engama-50 ixhasa iintsapho zaseMexico, i-Infonavit yenza kube lula ukufumana ikhaya lakho ngokusebenzisa amaxabiso enzala akhuphisanayo namaxesha okuhlawula aguquguqukayo. Esi sikhokelo sipheleleyo sikuchazela yonke into ngemali-mboleko yakho.

Imali-mboleko ye-Infonavit: isikhokelo esipheleleyo - Umfanekiso ophambili

Ukususela ekuqondeni inkqubo yamanqaku ukuya ekwazini iintlobo ngeentlobo zeenkqubo ezikhoyo, uza kufumana ulwazi olusebenzayo lokusebenzisa ilungelo lakho lomgaqo-siseko lokufumana ikhaya elifanelekileyo. Imali-mboleko ye-Infonavit lolona khetho lwakho lungcono lokufumana imali-mboleko yezindlu.

Iintengiso

Yintoni imali-mboleko ye-Infonavit, yaye isebenza njani?

Imali-mboleko ye-Infonavit yinkxaso-mali yezindlu enikwa yi-Instituto del Fondo Nacional de la Vivienda para los Trabajadores (iZiko leNgxowa-mali yeSizwe yeZindlu zabaSebenzi). Le mali-mboleko isebenzisa imali ekwi-akhawunti yakho engaphantsi yezindlu, ize yongezwe yimali-mboleko yeziko.

Njengomsebenzi osesikweni ohlawula iminikelo kwi-IMSS, umqeshi wakho ufaka i-5% yomvuzo wakho rhoqo emva kweenyanga ezimbini kwi-akhawunti engaphantsi ekhethekileyo yezindlu. Le mali iyaqokelelana ize kamva isetyenziswe njengentlawulo yokuqala okanye ukunciphisa isixa semali-mboleko yakho yezindlu.

  • Inkxaso-mali exhaswa liziko likarhulumente elinamava angaphezu kweminyaka engama-50.
  • Amaxabiso enzala akhethekileyo ngokwenqanaba lomvuzo womsebenzi.
  • Ukusetyenziswa kwe-akhawunti engaphantsi yezindlu njengentlawulo yokuqala okanye ukunciphisa isixa semali-mboleko.
  • Iintlawulo ezizenzekelayo ngokutsalwa ngokuthe ngqo kumvuzo wenyanga.

Imali-mboleko ye-Infonavit yeyona ndlela ilungileyo yokuthenga ikhaya lakho eMexico. Imiqathango yayo ingcono kakhulu kuneyemali-mboleko eqhelekileyo yeebhanki, ingakumbi kubasebenzi abarhola imivuzo ephantsi naphakathi.

Inkqubo yamanqaku: indlela yokuvavanywa kokufaneleka kwangaphambili

Ukuze ufumane imali-mboleko ye-Infonavit, kufuneka uqokelele amanqaku ayi-1,080. Le nkqubo ivavanya izinto ezahlukeneyo ezibonisa ukuba uyakwazi ukuhlawula nokuba uzibophelele emsebenzini ozinzileyo kwiZiko.

  • Iminyaka yobudala bomsebenzi: Amanqaku anikwa ngokoluhlu lweminyaka yobudala esemsebenzini.
  • Umvuzo osisiseko: Umvuzo ophezulu ukhokelela kumanqaku aphezulu kuvavanyo lokufaneleka kwangaphambili.
  • Imali eseleyo kwi-akhawunti engaphantsi: Imali oyigcinileyo eqokelelweyo inyusa amanqaku kakhulu.
  • Ixesha lokuhlawula iminikelo: Ixesha osebenze ngalo uhlawula iminikelo kwi-IMSS linyusa amanqaku kakhulu.
  • Ubudlelwane ne-Infonavit: Imbali yeemali-mboleko zangaphambili nendlela obuzihlawula ngayo.

Jonga iziphumo zakho zokuvavanywa kwangaphambili kwi-intanethi nge-portal ye-Mi Cuenta Infonavit. Inkqubo iza kukubonisa amanqaku osele uwaqokelele, isixa esiqikelelwayo semali-mboleko kunye neemfuno ezongezelelweyo ekufuneka uzifezekise ukuze ufake isicelo senkxaso-mali.

Iindidi zeemali-mboleko ezifumanekayo

I-Infonavit ibonelela ngeendidi ezahlukeneyo zeemali-mboleko ezenzelwe iimfuno ezahlukeneyo zezindlu. Uhlobo ngalunye luneempawu zalo, ezilungele iimeko ezahlukeneyo zeentsapho nezezimali zabasebenzi baseMexico.

  • Crédito Tradicional: Yeyokuthenga ikhaya elitsha okanye esele lisetyenzisiwe kusetyenziswa inkxaso-mali ye-Infonavit eyi-100%.
  • Cofinavit: Idibanisa imali ye-Infonavit nemali-mboleko yebhanki ukuze yandise amandla akho okuthenga.
  • Infonavit Total: Imali-mboleko enenzala engatshintshiyo kulo lonke ixesha lokuyihlawula, ukuze ufumane uzinzo olukhulu lwezemali.
  • Mejoravit: Inkxaso-mali yokulungisa, yokwandisa okanye yokuphucula ikhaya osele unalo.
  • ConstruYO: Yeyokwakha ikhaya kumhlaba ongowomsebenzi.

Uhlobo ngalunye luneemfuno ezithile nezibonelelo zalo. Ngaphambi kokufaka isicelo semali-mboleko, jonga ngononophelo ukuba loluphi oluhambelana kakuhle nemeko yakho yezemali yangoku, indawo ofuna ukuhlala kuyo nezicwangciso zexesha elide zosapho lwakho.

Iimfuno namaxwebhu ayimfuneko

Ukuze ufake isicelo semali-mboleko ye-Infonavit, kufuneka uqokelele amaxwebhu athile aqinisekisa ukuba ungubani, imeko yakho yomsebenzi namandla akho okuhlawula. Ukulungisa la maxwebhu kwangethuba kukhawulezisa kakhulu inkqubo yokuvunywa.

  • Isazisi esisemthethweni esisasebenzayo esinefoto (INE, ipasipoti okanye ikhadi lobungcali).
  • Número de Seguridad Social (NSS) (inombolo yoKhuseleko lweNtlalo) kunye neRegistro Federal de Contribuyentes (RFC) (irejista yomrhafi werhafu).
  • Amaxwebhu akutshanje aqinisekisa umvuzo (iirekhodi zomvuzo zeenyanga ezintathu zokugqibela).
  • Uxwebhu oluqinisekisa idilesi yakho yangoku, olungadlulanga kwiinyanga ezintathu ubudala.
  • Iingxelo zeakhawunti zebhanki zeenyanga ezintathu ezilandelelanayo zokugqibela.
  • Uxwebhu oluhlaziyiweyo oluthi Constancia de situación fiscal (isiqinisekiso sobume berhafu), olukhutshwe yi-SAT.

Ukongeza kumaxwebhu akho obuqu, uza kufuna amaxwebhu athile endlu ofuna ukuyithenga: amaxwebhu obunini bendlu, i-certificado de libertad de gravamen (isiqinisekiso sokuba indlu ayinamthwalo wamatyala), uvavanyo olusemthethweni lwexabiso olwenziwe ngumvavanyi ogunyaziswe yi-Infonavit, kunye namaxwebhu omthengisi.

thumb_up Iinzuzo zemali-mboleko ye-Infonavit

  • Amaxabiso enzala asezantsi kwimarike yemali-mboleko yezindlu
    I-Infonavit ibonelela ngamaxabiso enzala akhethekileyo aqala kwi-4% ngonyaka kubasebenzi abarhola imivuzo ephantsi. La maxabiso asezantsi kakhulu kunawemali-mboleko yeebhanki eqhelekileyo, adlula kwi-10% ngonyaka kwiimeko ezininzi.
  • Ukusetyenziswa ngobuchule kwe-akhawunti engaphantsi yezindlu
    Imali eqokelelwe kwi-akhawunti yakho engaphantsi yezindlu isetyenziswa njengentlawulo yokuqala, nto leyo enciphisa isixa semali-mboleko, yehlise iintlawulo zenyanga ize iphucule imiqathango iyonke yenkxaso-mali yezindlu.
  • Iintlawulo ezizenzekelayo ngaphandle kweenkqubo ezongezelelweyo zebhanki
    Imali itsalwa kumvuzo wakho nyanga zonke, nto leyo esusa iinkxalabo zokulibala, iintlawulo zesohlwayo sokuhlawula emva kwexesha, iikhomishini zebhanki okanye iinkqubo zolawulo ezongezelelweyo ezidla ixesha elixabisekileyo.
  • Amaxesha okuhlawula aguquguqukayo, ukuya kutsho kwiminyaka engama-30 yenkxaso-mali
    Imali-mboleko ye-Infonavit ikuvumela ukuba ukhethe ixesha elide lokuyihlawula, nto leyo enciphisa kakhulu isixa sentlawulo yenyanga, ize yenza kube lula ukufumana ikhaya lakho ngaphandle kokubeka uhlahlo lwabiwo-mali lwenyanga losapho lwakho olukhoyo phantsi koxinzelelo olukhulu.
  • Iinkqubo eziKhethekileyo neeNkxaso-mali zikaRhulumente
    Fikelela kwiinkxaso-mali zomdibaniso zabasebenzi abafumana imivuzo ephantsi, kwiimali-mboleko zesibini zabantu abahlawule imali-mboleko yabo yokuqala, kwiimali-mboleko zamaqabane ezidibanisa amandla awo okuhlawula, nakwinkxaso yezindlu ezizinzileyo.

Imali-mboleko ye-Infonavit lelona thuba lihle kubasebenzi baseMexico abaqeshwe ngokusesikweni lokuba nempahla yezindlu nezakhiwo eyeyabo. Iingenelo zayo xa ithelekiswa neemali-mboleko eziqhelekileyo zeebhanki zibalulekile kwaye ziyabonakala kwasekuhlawuleni kokuqala.

thumb_down Iintsilelo zeMali-mboleko ye-Infonavit

  • Umngcipheko omkhulu xa uphulukana nomsebenzi wakho
    Ukuba uphulukana nomsebenzi, iintlawulo azipheli ngokuzenzekelayo, yaye unokuqalisa ukusilela ekuhlawuleni kungekudala. I-Infonavit inokuqalisa inkqubo yokubuyisa indlu ukuba awuzihlawuli iintlawulo zakho zenyanga, nto leyo enokubangela ukuba uphulukane nempahla yakho nemali osele uyihlawule.
  • Iinketho zezindlu ezimbalwa nezithintelweyo
    Iipropati ezininzi azifaneleki kwimali-mboleko ye-Infonavit ngenxa yokungaphumeleli kuvavanyo lwexabiso, ukungapheleli kwamaxwebhu asemthethweni okanye iingxaki zobugcisa. Oku kunciphisa kakhulu iinketho zakho zokuthenga yaye kunokukunyanzela ukuba ulahle ithemba ngendlu oyifunayo ngokwenene.
  • Iinkqubo zamaphepha ezicothayo nezidimazayo
    Inkqubo inokuthatha iinyanga, kuze kubekho uhlolo oluninzi, amaxwebhu angamkelwayo ngenxa yeempazamo ezincinci, amadinga acwangciswa kwiiveki kwangaphambili namathuba okuthenga ipropati aphoswayo ngenxa yokucotha kolawulo olungaphaya kwamandla akho.
  • Ukungabandakanywa ngokupheleleyo kwabasebenzi abangekho sesikweni
    Ukuba uzisebenzela, usebenza ngokuzimeleyo okanye uneshishini lakho ungabhaliswanga kwi-IMSS, awufaneleki kwaphela kwimali-mboleko ye-Infonavit, nokuba unamandla okuhlawula okanye ingeniso yakho yenyanga ingakanani na.

Ezi ntsilelo ziyinyani yaye zinokuchaphazela kakhulu amava akho. Kubalulekile ukuvavanya ngokunyanisekileyo uzinzo lomsebenzi wakho, amandla akho okuqhubeka usebenza ngokusesikweni ixesha elide, kunye nokunyamezela kwakho iinkqubo zolawulo ngaphambi kokuba uzibophelele kwimali-mboleko ye-Infonavit.

Imibuzo Ebuzwa Rhoqo

Mangaphi amanqaku endiwadingayo ukuze ndifumane imali-mboleko ye-Infonavit?
Kufuneka uqokelele amanqaku ayi-1,080 ukuze uvavanyelwe ukufaneleka kwangaphambili. Amanqaku afunyanwa ngokweminyaka yobudala, umvuzo, imali ekwi-akhawunti engaphantsi yezindlu, nangexesha ohlawula ngalo iminikelo kwi-IMSS.
Yintoni i-akhawunti engaphantsi yezindlu, yaye isetyenziswa njani?
Yimali eyi-5% yomvuzo wakho efakwa ngumqeshi wakho rhoqo emva kweenyanga ezimbini. Isetyenziswa njengentlawulo yokuqala okanye ukunciphisa imali-mboleko yendlu oyicelayo.
Ndingayifumana na imali-mboleko yesibini ye-Infonavit?
Ewe, ukuba uyihlawule ngokupheleleyo imali-mboleko yakho yokuqala. Kufuneka uphinde uhlangabezane neemfuno zamanqaku namandla okuhlawula abekwe liZiko.
Kwenzeka ntoni xa ndiphulukana nomsebenzi ndinemali-mboleko esebenzayo?
Kufuneka wazise i-Infonavit ngoko nangoko. Kukho iinkqubo zenkxaso yethutyana, kodwa kubalulekile ukufuna ngokukhawuleza omnye umsebenzi osemthethweni ukuze uqhubeke uhlawula ngexesha.
Kuthatha ixesha elingakanani ukuvunywa kwemali-mboleko?
Yonke inkqubo, ukususela kuvavanyo lokufaneleka kwangaphambili ukuya ekubhalisweni kwetayitile yobunini, inokuthatha iinyanga ezi-2 ukuya kwezi-4, kuxhomekeka ekubeni amaxwebhu ayafumaneka na nakubunzima benkqubo yokuqinisekisa amaxwebhu ngunotari.

Amanqaku afanayo