Imalimboleko ye-Infonavit: umhlahlandlela ophelele

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Imalimboleko ye-Infonavit: umhlahlandlela ophelele
Izikhangiso

Imalimboleko ye-Infonavit iwuxhaso lokuthenga indlu olutholakala kalula kakhulu kubasebenzi baseMexico abafaka iminikelo ku-IMSS, futhi inikeza izimo ezingcono zokuthenga indlu yabo.

Sekuyiminyaka engaphezu kuka-50 i-Infonavit isiza imindeni yaseMexico, yenza kube lula ukuthola indlu yakho ngamazinga enzalo ancintisanayo nezikhathi zokukhokha ezivumelana nezidingo zakho. Lo mhlahlandlela ophelele ukuchazela konke ngemalimboleko yakho.

Imalimboleko ye-Infonavit: umhlahlandlela ophelele - Isithombe Esifakiwe

Kusukela ekuqondeni uhlelo lwamaphuzu kuya ekwazini izinhlobo ezahlukene ezitholakalayo, uzothola ulwazi olusebenzayo lokusebenzisa ilungelo lakho lomthethosisekelo lokuthola indlu enesithunzi. Imalimboleko ye-Infonavit iyindlela yakho engcono kakhulu yokubolekwa imali yokuthenga indlu.

Izikhangiso

Iyini Imalimboleko ye-Infonavit futhi Isebenza Kanjani?

Imalimboleko ye-Infonavit iwuxhaso lokuthenga indlu olunikezwa yi-Instituto del Fondo Nacional de la Vivienda para los Trabajadores. Le mali mboleko isebenzisa izimali eziku-akhawunti yakho engaphansi yezindlu kanye nemali ebolekwa yisikhungo.

Njengesisebenzi esisemthethweni esifaka iminikelo ku-IMSS, umqashi wakho ufaka u-5% womholo wakho ku-akhawunti engaphansi ekhethekile njalo ezinyangeni ezimbili. Lezi zimali ziyaqoqeka bese kamuva zisetshenziswa njengemali ekhokhwa ekuqaleni noma ukuze kwehliswe imali oyibolekile yokuthenga indlu.

  • Uxhaso olusekelwa yisikhungo sikahulumeni esineminyaka engaphezu kuka-50 yesipiliyoni.
  • Amazinga enzalo akhethekile kuye ngezinga leholo lesisebenzi.
  • Ukusebenzisa i-akhawunti engaphansi yezindlu njengemali ekhokhwa ekuqaleni noma ukwehlisa inani lemali oyibolekile.
  • Izinkokhelo ezizenzakalelayo ngokudonswa ngokuqondile emholweni wanyanga zonke.

Imalimboleko ye-Infonavit iyindlela yakho engcono kakhulu yokuthola indlu yakho eMexico. Izimo zayo zingcono kakhulu kunezimalimboleko ezivamile zamabhange, ikakhulukazi kubasebenzi abahola kancane naphakathi.

Uhlelo Lwamaphuzu: Indlela Yokuhlola Ukufaneleka Kwangaphambili

Ukuze uthole imalimboleko ye-Infonavit, kudingeka uqongelele amaphuzu angu-1,080. Lolu hlelo luhlola izici ezahlukene ezibonisa ukuthi uyakwazi ukukhokha nokuthi unomsebenzi ozinzile eSikhungweni.

  • Ubudala besisebenzi: Amaphuzu anikezwa kuye ngebanga lobudala lokusebenza.
  • Iholo eliyisisekelo: Iholo eliphezulu liletha amaphuzu amaningi okuhlolwa kokufaneleka kwangaphambili.
  • Ibhalansi ye-akhawunti engaphansi: Imali oyilondolozile eqoqekile inyusa amaphuzu kakhulu.
  • Isikhathi sokufaka iminikelo: Isikhathi osusebenze ngaso futhi wafaka iminikelo ku-IMSS sinyusa amaphuzu kakhulu.
  • Ubudlelwano ne-Infonavit: Umlando wamalimboleko angaphambilini nendlela okhokhe ngayo.

Bheka ukuhlolwa kwakho kokufaneleka kwangaphambili ku-inthanethi engosini ye-Mi Cuenta Infonavit. Uhlelo luzokubonisa amaphuzu onawo manje, inani elilinganisiwe lemali mboleko kanye nezidingo ezengeziwe okufanele uzifeze ukuze ufake isicelo soxhaso lwakho.

Izinhlobo Zemalimboleko Ezitholakalayo

I-Infonavit inikeza izinhlobo ezahlukene zemalimboleko eziklanyelwe izidingo ezihlukahlukene zezindlu. Uhlobo ngalunye lunezici ezithile ezihambisana nezimo ezahlukene zomndeni nezomnotho zabasebenzi baseMexico.

  • Crédito Tradicional: Eyokuthenga indlu entsha noma esetshenzisiwe, kusetshenziswa izimali ezingu-100% ezivela ku-Infonavit.
  • Cofinavit: Ihlanganisa izimali ze-Infonavit nemalimboleko yasebhange ukuze ukwazi ukuthenga okukhulu.
  • Infonavit Total: Imalimboleko enezinga lenzalo elingashintshi kuso sonke isikhathi sokukhokha, ukuze ube nesiqiniseko esengeziwe sezimali.
  • Mejoravit: Uxhaso lokulungisa kabusha, ukwengeza noma ukuthuthukisa indlu ekhona.
  • ConstruYO: Eyokwakha indlu esiqeshini somhlaba somsebenzi.

Uhlobo ngalunye lunezidingo ezithile nezinzuzo zalo. Ngaphambi kokufaka isicelo semalimboleko yakho, hlola ngokucophelela ukuthi yiluphi olufaneleka kakhulu isimo sakho samanje sezimali, indawo ofisa ukuhlala kuyo nezinhlelo zesikhathi eside zomndeni wakho.

Izidingo Namadokhumenti Adingekayo

Ukuze ufake isicelo semalimboleko ye-Infonavit, kudingeka uqoqe amadokhumenti athile afakazela ukuthi ungubani, isimo sakho somsebenzi namandla akho okukhokha. Ukulungisa la madokhumenti kusenesikhathi kuyasheshisa kakhulu inqubo yokugunyazwa.

  • Umazisi osemthethweni osasebenza onesithombe (INE, ipasipoti noma ilayisensi yobungcweti).
  • Número de Seguridad Social (NSS) kanye ne-Registro Federal de Contribuyentes (RFC).
  • Ubufakazi bakamuva bemali engenayo (amaphepha omholo ezinyanga ezintathu ezedlule).
  • Ubufakazi bekheli lakho lamanje obungenazinyanga ezingaphezu kwezintathu ubudala.
  • Izitatimende zasebhange zezinyanga ezintathu ezilandelanayo ezedlule.
  • Constancia de situación fiscal ebuyekeziwe ekhishwe yi-SAT.

Ngaphezu kwamadokhumenti akho siqu, uzodinga amadokhumenti athile endlu ofisa ukuyithenga: amatayitela endlu, isitifiketi esiqinisekisa ukuthi ayikho imithwalo yesikweletu kuleyo ndlu, ukuhlolwa okusemthethweni kwenani okwenziwe uchwepheshe ogunyazwe yi-Infonavit kanye namadokhumenti omthengisi.

thumb_up Izinzuzo Zemalimboleko ye-Infonavit

  • Amazinga Enzalo Aphansi Kakhulu Emalimbolekweni Yezindlu
    I-Infonavit inikeza amazinga enzalo akhethekile aqala ku-4% ngonyaka kubasebenzi abahola kancane, aphansi kakhulu kunamazinga enzalo avamile asebhange, avame ukudlula ku-10% ngonyaka ezimweni eziningi.
  • Ukusebenzisa Ngobuhlakani I-akhawunti Engaphansi Yezindlu
    Izimali eziqoqeke ku-akhawunti yakho engaphansi yezindlu zisetshenziswa njengemali ekhokhwa ekuqaleni, kwehliswe inani eliyinhloko lemali oyibolekile, kwehle izinkokhelo zanyanga zonke futhi kuthuthuke izimo ezijwayelekile zemalimboleko yendlu.
  • Izinkokhelo Ezizenzakalelayo ngaphandle Kweminye Imisebenzi Yasebhange
    Izimali ezidonswayo zanyanga zonke zithathwa ngokuqondile emholweni wakho, kususe ukukhathazeka ngokukhohlwa ukukhokha, izindleko zokukhokha sekwephuzile, amakhomishini asebhange noma eminye imisebenzi yokuphatha ethatha isikhathi esibalulekile.
  • Izikhathi Zokukhokha Ezivumelana Nezidingo, kuze Kufike Eminyakeni engu-30 Yokuxhaswa Ngezimali
    Imalimboleko ye-Infonavit ivumela izikhathi zokukhokha ezinde ezinciphisa kakhulu inkokhelo yanyanga zonke, zenze kube lula ukuthola indlu yakho ngaphandle kokubeka umthwalo omkhulu kakhulu kwisabelomali somndeni sakho sanyanga zonke esikhona.
  • Izinhlelo Ezikhethekile Nezibonelelo Zikahulumeni
    Thola izibonelelo zikahulumeni wobumbano zabasebenzi abahola kancane, izimali mboleko zesibili zalabo abakhokhe esokuqala, izimali mboleko zabashadile ezihlanganisa amandla abo okukhokha, nosizo lwezindlu ezisimeme.

Imalimboleko ye-Infonavit iyithuba elingcono kakhulu kubasebenzi baseMexico abaqashwe ngokusemthethweni lokuba nempahla yezindlu eng eyabo. Izinzuzo zayo uma iqhathaniswa nezimali mboleko ezivamile zasebhange zinkulu futhi zibonakala kusukela ekukhokheni kokuqala.

thumb_down Ububi Bemalimboleko ye-Infonavit

  • Ingozi Enkulu Uma Ulahlekelwa Umsebenzi
    Uma uphelelwa umsebenzi, izinkokhelo aziyeki ngokuzenzakalelayo futhi ngokushesha uqala ukusilela ezinkokhelweni. I-Infonavit ingaqala inqubo yokuphuca indlu uma ungakhokhi izitolimende zakho zanyanga zonke, bese ulahlekelwa yimpahla yakho nemali osuyikhokhile.
  • Izinketho Zezindlu Ezilinganiselwe Nezinemikhawulo
    Izindlu eziningi azifaneleki ukuthengwa ngemalimboleko ye-Infonavit ngoba aziphumeleli ekuhlolweni kwenani, azinawo wonke amadokhumenti omthetho noma zinezinkinga zobuchwepheshe. Lokhu kunciphisa kakhulu izinketho zakho zokuthenga futhi kungakuphoqa ukuba uyeke indlu oyifunayo ngempela.
  • Izinqubo Zokuphatha Ezihamba Kancane Nezikhungathekisayo
    Le nqubo ingathatha izinyanga, ihlanganise ukuhlolwa okuningana, amadokhumenti enqatshwa ngenxa yamaphutha amancane, ama-aphoyintimenti ahlelwa kusasele amasonto amaningana, kanye namathuba okuthenga izindlu alahleka ngenxa yokunensa kokuphatha ongakwazi ukukulawula.
  • Ukukhishwa Ngokuphelele Kwabasebenzi Abangasebenzi Ngokusemthethweni
    Uma uzisebenza, ungumsebenzi ozisebenzelayo noma unebhizinisi lakho kodwa ungabhalisiwe ku-IMSS, ukhishwa ngokuphelele emalimbolekweni ye-Infonavit kungakhathaliseki ukuthi unamandla okukhokha noma iholo langempela lenyanga.

Lezi zingqinamba zingokoqobo futhi zingathinta kakhulu ulwazi lwakho. Kubalulekile ukuba uhlole ngokwethembeka ukuzinza komsebenzi wakho, ikhono lokuqhubeka nomsebenzi osemthethweni isikhathi eside, nokubekezelela kwakho izinqubo zokuphatha ngaphambi kokuzibophezela emalimbolekweni ye-Infonavit.

Imibuzo Evame Ukubuzwa

Mangaki amaphuzu engiwadingayo ukuze ngithole imalimboleko ye-Infonavit?
Udinga ukuqongelela amaphuzu angu-1,080 ukuze ufanelekele ukuhlolwa kokuqala. Amaphuzu atholwa ngokweminyaka yakho, iholo, ibhalansi eku-akhawuntini engaphansi yezindlu nesikhathi osukhokhe ngaso iminikelo ku-IMSS.
Iyini i-akhawunti engaphansi yezindlu futhi isetshenziswa kanjani?
Ingama-5% omholo wakho okufakwa ngumqashi wakho njalo ezinyangeni ezimbili. Isetshenziswa njengemali yokuqala yokukhokha noma ukunciphisa inani lemali mboleko yendlu oyicelayo.
Ngingayithola yini imalimboleko yesibili ye-Infonavit?
Yebo, uma usuyikhokhe ngokuphelele imalimboleko yakho yokuqala. Kufanele uphinde uhlangabezane nezimfuneko zamaphuzu namandla okukhokha ezibekwe yiSikhungo.
Kwenzekani uma ngiphelelwa umsebenzi ngisenemalimboleko?
Kufanele wazise i-Infonavit ngokushesha. Kunezinhlelo zosizo lwesikhashana, kodwa kubalulekile ukuba uthole ngokushesha omunye umsebenzi osemthethweni ukuze uqhubeke ukhokha ngesikhathi.
Kuthatha isikhathi esingakanani ukugunyazwa kwemalimboleko?
Yonke le nqubo, kusukela ekuhlolweni kokuqala kokufaneleka kuze kube sekusayinweni kwetayitela, ingathatha izinyanga ezi-2 kuya kwezi-4, kuye ngokuthi amadokhumenti ayatholakala yini nokuthi inqubo yommeli olungisa amatayitela iyinkimbinkimbi kangakanani.

Okuthunyelwe okufanayo