Iintlobo zeekhredithi ze-Infonavit ezifumanekayo ngo-2025: khetha eyona ikulungeleyo
Xa sithetha nge-Infonavit, abantu abaninzi bacinga ukuba kukho uhlobo olunye kuphela lwemali-mboleko.
Kodwa inyaniso kukuba kukho iindlela ezininzi, yaye nganye yenzelwe abantu abaneemeko, iimfuno neenjongo ezahlukeneyo.
Ukuzazi kubalulekile ukuze ukhethe eyona ikufanele kakhulu uze wenze isigqibo unolwazi, ungasekelanga kuphela kwinto oyifunayo namhlanje, kodwa nakwinto oya kukwazi ukuyihlawula ekuhambeni kwexesha.
Apha uza kufumanisa ukuba zeziphi iintlobo eziphambili zeemali-mboleko ze-Infonavit ezikhoyo ngo-2025, nganye isebenza njani nokuba zeziphi iingenelo ezizibonelelayo.
Esi sikhokelo senzelwe ukukunceda ukhethe ngokuzithemba, ucacelwe nangembono efanelekileyo yezemali.
Crédito Infonavit Tradicional
Yeyona mali-mboleko ixhaphakileyo nefunwa kakhulu. Yenzelwe abasebenzi abenza iminikelo rhoqo kwi-IMSS, abanamanqaku afunekayo (ubuncinane ngamanqaku ayi-1080) nabafuna ukuthenga ikhaya elitsha okanye esele lisetyenzisiwe.
Le mali-mboleko ixhaswa ngemali ekwi-Subcuenta de Vivienda (i-akhawunti yokonga izindlu) + yimali-mboleko eyongezelelweyo oyinikwa yi-Infonavit. Iintlawulo zenyanga zitsalwa ngokuzenzekelayo kumvuzo wakho, kwaye izinga lenzala alitshintshi.
Ilungele ukuba:
- Ufuna ukuthenga ikhaya esele lilungele ukuhlala kulo
- Uqhubeka usenza iminikelo
- Unengeniso ezinzileyo
Olu hlobo lwemali-mboleko lukwavumela ukuba ufikelele kwiFondo de Protección de Pagos (iNgxowa-mali yoKhuselo lweeNtlawulo), inkxaso eluncedo xa uphelelwa ngumsebenzi okwethutyana.
Cofinavit
Le mali-mboleko yindibaniselwano ye-Infonavit nebhanki. Iziko lebhanki likunika imali-mboleko, ize i-Infonavit ibe negalelo lemali eyongezelelweyo, kunye nemali oyigcinileyo kwi-Subcuenta de Vivienda (i-akhawunti yokonga izindlu).
Inkqubo yeCofinavit iyacetyiswa ukuba:
- Unengeniso ephezulu
- Ufuna ikhaya elinexabiso eliphezulu
- Ufuna ukusebenzisa imali-mboleko yebhanki ngaphandle kokuphulukana nenzuzo ye-Infonavit
Kule nkqubo, uhlawula iintlawulo ezimbini zenyanga: enye ebhankini nenye kwi-Infonavit, kodwa unokufikelela kwiipropati ezinexabiso eliphezulu nakwiindawo ezininzi ezahlukahlukeneyo.
Cofinavit Ingresos Adicionales
Le ndlela ifana neCofinavit, kodwa yenzelwe abantu abafumana ingeniso eyongezelelweyo ngaphandle komvuzo osisiseko, efana neekomishini, imali yokubulela, iibhonasi, njalo njalo.
Ngale ndlela, ingeniso engenakuqinisekiswa ngokuthe ngqo nayo inokuvavanywa, nangona inefuthe kumandla akho okwenene okuhlawula. Ilungele abo banemithombo yengeniso exubeneyo okanye eguquguqukayo, kodwa abafuna ukufumana imali-mboleko yesixa esikhulu.
Unamos Créditos Infonavit
Olu khetho lukuvumela ukuba udibanise imali-mboleko yakho neyomnye umntu ngaphandle kokuba nitshatile, nto leyo ethetha ukuba ungakwenza neqabane lakho, umhlobo, umntakwenu okanye nawuphi na umntu omthembileyo.
Bobabini kufuneka benze iminikelo kwi-IMSS kwaye babe namanqaku ayi-1080 ubuncinane. Inzuzo kukuba ngokudibanisa izixa-mali ezikhoyo, unokuthenga ikhaya elikhulu okanye elikwindawo engcono.
Yenzelwe:
- Abantu abatsha abafuna ukuzimela
- Amaqabane angekabinalo iqhina elisemthethweni
- Abantu abangatshatanga abafuna ukuthenga ikhaya abaza kuba nalo ngokudibeneyo
Bobabini bagcina imbali yabo yekhredithi ngokwahlukeneyo, nangona ipropati ifunyanwa ngokudibeneyo.
ConstruYO
Yimali-mboleko eyilelwe abo bafuna ukwakha kumhlaba ongowabo, bandise ikhaya abanalo ngoku okanye benze uphuculo olukhulu. Iyaguquguquka, ikhutshwa ngokwezigaba yaye akufuneki ube namaxwebhu obunini ekuqaleni kwenkqubo yesicelo.
Kukho iindlela ezintathu:
- ConstruYO con Asistencia Técnica
- ConstruYO con Constructora
- ConstruYO sin Asistencia
Olu hlobo lwemali-mboleko luluncedo kakhulu xa sele unomhlaba kwaye ufuna ukwakha ngokukhululekileyo, ngokwesicwangciso sakho sokwakha.
Mejoravit kunye neRenovate
Ezi mali-mboleko zijolise ekuphuculeni okanye ekuhlaziyeni ikhaya esele likho. Azisetyenziselwa ukuthenga indlu, koko zisetyenziselwa ukuyiphucula ibe yeyale mihla, ukuyilungisa, ukuyandisa okanye ukuyilungiselela iimfuno zakho.
Phakathi kweenzuzo zazo kukho:
- Izixa ezifikelelekayo
- Amaxesha amafutshane okubuyisa imali-mboleko
- Akukho mfuneko yokutshintsha uxwebhu lobunini bepropati
Zilungele ukuba sele unekhaya kodwa ufuna ukwandisa ixabiso lalo okanye ulenze lisebenze ngakumbi.
Apoyo Infonavit
Le ndlela ikuvumela ukuba usebenzise i-Subcuenta de Vivienda (i-akhawunti yokonga izindlu) yakho njengesibambiso semali-mboleko yezindlu oyifumana ebhankini. Imali eqokelelwe kule akhawunti iba sisiqinisekiso xa uphelelwa ngumsebenzi, inceda ekuhlawuleni ngaphandle kokuchaphazela imbali yakho yekhredithi.
Ilungele ukuba:
- Unobudlelwane obuhle neziko lezemali
- Ufuna imiqathango eguquguqukayo ngakumbi
- Ufuna ukuqhubeka uqokelela imali oyongayo ungayisebenzisi kwangoko
Ukukhetha ngobulumko: imali-mboleko kufuneka ikulungele
Ukukhetha uhlobo olululo lwemali-mboleko ye-Infonavit akuxhomekekanga kuphela kwisixa osinikwayo, kodwa kuxhomekeke nakwimeko yakho yangoku, uzinzo lomsebenzi wakho nakwindlela olibona ngayo ikamva lakho. Yiyo loo nto kubaluleke kangaka ukusebenzisa imfundo yezemali ngaphambi kokwenza isigqibo sokugqibela.
Ngaphambi kokukhetha:
- Vavanya amandla akho okwenene okuhlawula
- Cinga ngexesha elide
- Sebenzisa izixhobo zokulinganisa iimali-mboleko
- Funda ngenyameko imiqathango yemveliso nganye
- Cela iingcebiso xa unemibuzo
Ukukhetha ngobuchule kunokwenza umahluko phakathi kokonwabela ikhaya lakho nokuphela unamatyala angaphaya kwamandla akho.
📌 Imibuzo edla ngokubuzwa (FAQ)
Ndingalutshintsha uhlobo lwemali-mboleko emva kokuqalisa isicelo?
Hayi, kufuneka ukhethe kakuhle ngaphambi kokuba uqalise. Yiyo loo nto kubalulekile ukuthelekisa iinketho kwasekuqaleni.
Ndingasebenzisa imali-mboleko ye-Infonavit ukuthenga umhlaba?
Hayi. Iimali-mboleko ezikhoyo azikuvumeli ukuba uthenge umhlaba kuphela. Kufuneka wakhe okanye uphucule ipropati esele ikhona.
Loluphi olona hlobo lufanelekileyo lwemali-mboleko ye-Infonavit?
Kuxhomekeke kwingeniso yakho, kwiinjongo zakho nakwimeko yakho yengqesho. Akukho mpendulo inye echanekileyo.
Ndingadibanisa i-Infonavit nemali-mboleko yebhanki?
Ewe, ngokusebenzisa inkqubo yeCofinavit okanye iApoyo Infonavit.
Ngaba imfundo yezemali iyanceda kule nkqubo?
Ewe, kuba ikunceda uqonde iinzuzo, izibophelelo nendlela yokwenza izigqibo ezingayi kuchaphazela uzinzo lwakho lwexesha elide.