Ukubheka amaphuzu e-Infonavit: thola ukuthi usungakwazi yini ukuba nendlu yakho
Ubuwazi yini ukuthi ungase ube seduze nokuba nendlu yakho kunalokho ocabangayo?
Ngenombolo yakho yezokuphepha komphakathi (NSS) kuphela, ungabheka amaphuzu akho e-Infonavit bese uthola ukuthi usuyafaneleka yini ukuthola imalimboleko.
Lesi yisona sinyathelo sokuqala sangempela sokwenza iphupho lakho lendlu libe ngokoqobo.
Ayini amaphuzu e-Infonavit futhi asetshenziselwani?
Amaphuzu e-Infonavit ayithuluzi lesi sikhungo esilisebenzisayo ukukala ikhono lakho lamanje lokuthola imalimboleko. Akuwona amaphuzu esikweletu afana nawasebhange, kodwa ukuhlola okusekelwe eminyakeni yakho, eholweni, esikhathini osikhokhele ngaso iminikelo nasekuzinzeni komsebenzi.
Uma usufinyelele kumaphuzu angu-1080, ungaqala inqubo yokuhlolwa kokuqala kokufaneleka futhi uthole izinhlobo ezahlukene zemalimboleko, njenge-Crédito Tradicional, i-Cofinavit noma i-Unamos Créditos.
Uma unamaphuzu amaningi, ungathola imigomo engcono.
Abalwa kanjani amaphuzu e-Infonavit?
Amaphuzu abalwa ngokucabangela lokhu:
- Iminyaka yakho neholo lakho
- Isikhathi osunesikhokhele ngaso iminikelo ngokuqhubekayo
- Uhlobo lwenkontileka yakho yomsebenzi
- Ukuzinza kwenkampani yakho
- Inani lemali eku-Subcuenta de Vivienda yakho
- Indlela owonga ngayo ngokuzithandela (uma ukwenza lokho)
Lolu hlelo luvumela ukuthi isisebenzi ngasinye sithole ukuhlolwa okwenziwe ngokwezimo zaso nangokufanele. Akubhekwa kuphela ukuthi uhola malini, kodwa nokuzinikela kwakho emsebenzini nomlando wakho wokufaka iminikelo.
Indlela yokuhlola ukuthi unamaphuzu amangaki e-Infonavit
Ukuhlola amaphuzu akho kumahhala, kuyashesha futhi kwenziwa ku-inthanethi ngo-100%. Udinga kuphela:
- Inombolo yakho Yezokuphepha Komphakathi (NSS)
- I-CURP yakho
- Ikheli le-imeyili elisebenzayo
Bese ulandela lezi zinyathelo:
- Vakashela isayithi elisemthethweni elithi Mi Cuenta Infonavit
- Uma ungenayo i-akhawunti, bhalisa emizuzwini embalwa
- Ngena ngemvume bese ukhetha inketho ethi “Ukuhlolwa kokufaneleka kusengaphambili namaphuzu”
- Uhlelo luzokutshela ngokuzenzakalelayo ukuthi unamaphuzu amangaki nokuthi usungakwazi yini ukuthola imali mboleko
Kwenzekani uma ungenawo amaphuzu adingekayo?
Ungakhathazeki. Uma ungakafinyeleli kumaphuzu angu-1080, uhlelo luzokutshela ukuthi kusakusele malini nokuthi yiziphi izindawo ongathuthuka kuzo. Ungakwazi:
- Qhubeka nokufaka iminikelo ngaphandle kokuphazamiseka
- Khulisa iholo lakho (uma kungenzeka)
- Gcina uzinzo emsebenzini wakho wamanje
- Faka iminikelo yokuzithandela ku-Subcuenta yakho
Le nqubo iyingxenye ebalulekile yemfundo yezezimali: ukuqonda lokho okudingayo, ukuthi ungakufinyelela kanjani nokuthi kuzokuthatha isikhathi esingakanani. Ukuhlela kuyithuluzi lakho elingcono kakhulu.
Imfundo yezezimali: ukuqonda amaphuzu akho nokuthatha izinyathelo
Akwanele ukwazi ukuthi unamaphuzu amangaki. Okubalulekile ukuqonda ukuthi ungawasebenzisa kanjani. Imfundo yezezimali ikufundisa ukusebenzisa lolu lwazi ukuze kuzuze wena:
- Ukwazi ukuthi kunini lapho kukufaneleka khona ukufaka isicelo semali mboleko
- Ukuhlaziya ukuthi ungakwazi yini ukukhokha imali yanyanga zonke ngaphandle kokuphazamisa izindleko zakho
- Ukukhetha phakathi kwezinhlobo ezahlukene zemali mboleko ngokwesimo sakho
Ukuhlola amaphuzu e-Infonavit kuyingxenye yomkhuba onempilo: ukuhlola isimo sakho sezezimali njalo, ukuthola ulwazi nokwenza ngokuhlakanipha.
Ngingakwazi yini ukuhlola amaphuzu ngingaqashiwe njengamanje?
Yebo. Uma wake wafaka iminikelo ngaphambili, i-Subcuenta de Vivienda yakho isekhona futhi ungayihlola. Noma ungafaki iminikelo okwamanje, ungakwazi:
- Hlola ibhalansi yakho eqoqiwe
- Sebenzisa leyo mali emalini mboleko yesikhathi esizayo
- Faka iminikelo yokuzithandela
- Bheka ukuthi uyazifeza yini izimfuneko ezincane
Incluso podrías considerar otros esquemas como Cuenta Infonavit + Banco, para combinar recursos.
Izinzuzo zokuhlola amaphuzu akho njalo
- Kukusiza ukuhlela imali mboleko yakho kusenesikhathi
- Ungathola ukuthi uyazifanelekela yini izinhlelo ezikhethekile
- Uyabona ukuthi akhona yini amaphutha noma ukungahambisani kwemininingwane
- Kukukhuthaza ukuba uthuthukise isimo sakho somsebenzi nezezimali
Lo mkhuba uyingxenye ebalulekile yokukhula kwakho. Ukuhlola amaphuzu akho namuhla kungasho ukuthola ikhaya elisha ngesikhathi esifushane kunaleso osicabangayo.
📌 Imibuzo evame ukubuzwa (FAQ)
Kufanele ngiwahlole kangaki amaphuzu ami e-Infonavit?
Ungakwenza noma nini lapho uthanda, kodwa kunconywa ukuthi ukwenze okungenani njalo ezinyangeni ezi-3 kuya kwezi-6, noma lapho ushintsha umsebenzi.
Ngidinga amaphuzu amangaki ukuze ngithole imali mboleko ye-Infonavit?
Udinga okungenani amaphuzu angu-1080, nakuba leli nani lingahluka kuye ngohlobo lwemali mboleko.
Amaphuzu e-Infonavit ayaphelelwa yini yisikhathi?
Cha, kodwa uma uyeka ukufaka iminikelo, uhlelo luyawamisa okwesikhashana. Uma uqala kabusha ukusebenza, inqubo iyaqhubeka.
Kwenzekani uma nginamaphuzu kodwa ngingafuni imali mboleko okwamanje?
Akunankinga. Ungaqhubeka uqongelela imali ku-Subcuenta yakho uze unqume ukuyisebenzisa. Imali yakho iyaqhubeka izuza inzuzo.
Ingabe ukuhlola amaphuzu e-Infonavit kuyingxenye yemfundo yezezimali?
Yebo! Kungenye yezinyathelo zokuqala zokwenza izinqumo unolwazi, ukuhlela impahla yakho nokwenza ngokuzibophezela ngokwezimali.