Infonavit: imalimboleko yakho iqala namuhla
Ingabe usukulungele ukuguqula amaphuzu akho abe yindlu?
⚠️ Isaziso: Lokhu okuqukethwe okokufundisa. Le sayithi ayisemthethweni.
Nyanga zonke, ungakunakile, uya uqongelela ithuba eliyingqayizivele.
Lelo thuba libizwa nge-Infonavit. Izigidi zabasebenzi baseMexico zikhokhela umshwalense wezenhlalakahle, kodwa akubona bonke abaziyo ukuthi ngalokho bakha nendlela eya emzini wabo.
Uma ungomunye wabo, ususondele kakhulu ekutholeni imalimboleko yokuthenga indlu kunalokho okucabangayo. Kungakhathaliseki ukuthi ufuna ukuthenga indlu entsha, ukwakha kusukela ekuqaleni noma ukuthuthukisa indlu osunayo, i-Infonavit inemalimboleko ekufanele. Okuhle nakakhulu ukuthi ihambisana nesimo sakho, neholo lakho futhi ayidingi izinqubo eziyinkimbinkimbi. Ngoba ukuba nendlu ehloniphekile akufanele kube ilungelo labambalwa kuphela.
Kufanele kube yilungelo lawo wonke umuntu. Futhi namuhla, lelo lungelo lingaqala ukuba ngokoqobo kuwe. Yingakho kulo mhlahlandlela sihlanganise okuhle kakhulu nge-Infonavit nezimiso ezibalulekile zokufunda ngezindaba zezimali, ukuze wenze izinqumo ezihlakaniphile.
Thola ukuthi mangaki amaphuzu osuwaqongelele
Iningi labasebenzi alazi ukuthi lingabheka amaphuzu alo e-Infonavit ngaphansi kwemizuzu emihlanu. Udinga kuphela inombolo yakho yezokuphepha komphakathi ukuze uthole ukuthi usuzifezile yini izidingo zokuthola imalimboleko yakho. Lawa maphuzu abalwa ngokusekelwe eholweni lakho, esikhathini osisebenzile, emalini oyilondolozile nakwezinye izici. Ngezinye izikhathi, ungasondela emgomweni ngisho noma ungakabi nawo umsebenzi. Ukuqonda lezi zici kuyingxenye yokufunda kahle ngezindaba zezimali, futhi lapha sikuchazela indlela yokwenza, isinyathelo ngesinyathelo.
Indlela yokuthola imalimboleko yakho ye-Infonavit isinyathelo ngesinyathelo
Awudingi ukuba uchwepheshe wezinqubo. Awudingi ukukhokhela muntu ukuze akuqondise. Ukuthola imalimboleko ye-Infonavit kulula kunalokho okubukeka. Okudingayo ukubhalisa ku-Mi Cuenta Infonavit, uhlole ukufaneleka kwakho kokuqala bese ulandela izinyathelo ezicacile esizokuchazela zona lapha. Kusukela emibhalweni edingekayo kuya esikhathini esithathwa yile nqubo, lo mhlahlandlela uzokuphelezela kuzo zonke izigaba. Lolu lwazi luyingxenye yokufunda ngezindaba zezimali: ukuqonda ukuthi uhlelo lusebenza kanjani ukuze ulusebenzise ngokunenzuzo yakho.
Khetha imalimboleko ekufanele
Ubuwazi yini ukuthi ungahlanganisa imalimboleko yakho neyomlingani wakho, ngisho noma ningashadile? Noma ukuthi ungayihlanganisa nemalimboleko yasebhange ukuze ukhuphule inani lemali ongayithola? I-Infonavit inezinhlobo ezahlukene zemalimboleko, njenge-Crédito Tradicional, i-Cofinavit, i-Unamos Créditos noma i-ConstruYO. Ngayinye yenzelwe uhlobo oluhlukile lwesidingo. Lapha sikubonisa ukuthi iyiphi ekufanele kakhulu kuye ngesimo okuso njengamanje, iholo lakho nenjongo yemalimboleko. Ukwenza isinqumo esingcono kakhulu kuncike ezingeni lakho lolwazi lwezezimali, futhi lesi sihloko senzelwe ukulithuthukisa.
Feza izidingo ngaphandle kwengcindezi
Ukuba neminyaka ephakathi kuka-18 no-65, ukuba namaphuzu amancane adingekayo, ukuba nomsebenzi osebenzayo… izidingo zicacile, kodwa kuvame ukudideka ngokuthi zisebenza kanjani. Lapha sizichaza ngayinye ngayinye ngolimi olulula, siphinde sikubonise ezinye izindlela uma ungakazifezi. Ngoba ngezinye izikhathi isenzo esincane singakusondeza kakhulu kuleyo mboleko obucabanga ukuthi awusoze wayithola. Ngokufunda ngezindaba zezimali, ufunda ukubheka izidingo njengezinyathelo ezihleliwe ezikuyisa emgomweni wakho, hhayi njengezithiyo.
Bheka isitatimende se-akhawunti yakho kalula
Uma usunayo imalimboleko ye-Infonavit, kubalulekile ukwazi ukuthi ukweleta malini, ukhokhe malini nokuthi ulwazi lwakho lusesikhathini yini. Ku-Mi Cuenta Infonavit ungakubheka konke lokhu ngokucacile. Uzofunda nokuthi usiqonda kanjani isitatimende sakho se-akhawunti, ulungisa kanjani amaphutha avamile nokuthi uqinisekisa kanjani ukuthi ulwazi lwakho luhlala lusesikhathini. Umuntu onolwazi lwezezimali uhlola njalo izimali zakhe, futhi lo ngumkhuba ongawuqala namuhla.
Funda ukukhokha ngaphandle kwezinkinga
Ukukhokha imalimboleko yakho ye-Infonavit kungazenzakalela uma uqashiwe, noma ungakukhokha ngokuzithandela uma usebenzela wena. Kusukela ekudonsweni kwemali eholweni kuya ekukhokheni ezitolo ezigunyaziwe noma ezinkundleni zedijithali, lapha sikuchazela zonke izindlela. Ngisho noma ubhekene nezinkinga zezimali, kunezixazululo nezinhlelo zosizo ezikhethekile. Ukukhokhela indlu yakho akudingeki kube umthwalo. Kufanele kube yingxenye yohlelo lwakho lwempilo. Ukuqonda ezinye izindlela onazo kukhombisa ukuthi usebenzisa ulwazi lwezezimali ekuphileni kwakho kwansuku zonke.
Uphelelwe umsebenzi? Awuwedwa
I-Infonavit iyaqonda ukuthi izinto ziyashintsha ekuphileni. Uma uphelelwe umsebenzi, ungathola izandiso zesikhathi, usizo oluvela esikhwameni sokuvikela izinkokhelo nezinye izindlela zokugwema ukusilela emuva ngezinkokhelo. Ngeke ulahlekelwe yindlu yakho ngenxa yesikhathi esinzima. Okubalulekile ukuthatha isinyathelo kusenesikhathi, uthole ulwazi futhi usebenzise izinsiza ezitholakala kulesi sikhungo. Ukuzilungiselela kanje kuvela ekufundeni kahle ngezindaba zezimali, okuncike ekulindeleni izinkinga nokwazi ukuthi ungabhekana kanjani nazo.
Sebenzisa imalimboleko yakho ngendlela othanda ngayo: thenga, yakha noma uthuthukise
Akusadingeki ukuthi uyisebenzisele ukuthenga indlu entsha kuphela. Ungasebenzisa imalimboleko yakho ukwakha esizeni sakho, ukwandisa izindawo zendlu noma ukuthuthukisa indlu osuhlala kuyo. Kusukela ekufakeni indlu yokugezela kuya ekushintsheni uphahla, kunemalimboleko yazo zonke izinhlobo zezidingo. Lapha sikuchazela ukuthi ungakwenza kanjani. Ukufunda ngezindaba zezimali kuhlanganisa nokwazi ukusebenzisa izinsiza zakho ukuze uthuthukise izinga lakho lokuphila.
Ingosi yakho yomuntu siqu: Mi Cuenta Infonavit
Iphrofayela yakho eku-inthanethi iyisihluthulelo sayo yonke le sistimu. Ukusuka lapho ungabheka amaphuzu akho, ibhalansi, imisebenzi ye-akhawunti, izindlela zemalimboleko futhi wenze izibalo zokulinganisa. Udinga kuphela ukubhalisa nge-CURP ne-NSS yakho ukuze uthole lonke ulwazi. Kumahhala, kuphephile futhi kwenzelwe wena ngokuphelele.
🎯 Ingabe usukulungele ukuqala uhambo lwakho lokwakha impahla? Nge-Infonavit nangolwazi oluqinile lwezezimali, ungakufeza lokho isinyathelo ngesinyathelo. Ikhaya lakho likulindile, nolwazi nalo.
Nyanga zonke, ungakunakile, uya uqongelela ithuba eliyingqayizivele.
Lelo thuba libizwa nge-Infonavit. Izigidi zabasebenzi baseMexico zikhokhela umshwalense wezenhlalakahle, kodwa akubona bonke abaziyo ukuthi ngalokho bakha nendlela eya emzini wabo.
Uma ungomunye wabo, ususondele kakhulu ekutholeni imalimboleko yokuthenga indlu kunalokho okucabangayo. Kungakhathaliseki ukuthi ufuna ukuthenga indlu entsha, ukwakha kusukela ekuqaleni noma ukuthuthukisa indlu osunayo, i-Infonavit inemalimboleko ekufanele. Okuhle nakakhulu ukuthi ihambisana nesimo sakho, neholo lakho futhi ayidingi izinqubo eziyinkimbinkimbi. Ngoba ukuba nendlu ehloniphekile akufanele kube ilungelo labambalwa kuphela.
Kufanele kube yilungelo lawo wonke umuntu. Futhi namuhla, lelo lungelo lingaqala ukuba ngokoqobo kuwe. Yingakho kulo mhlahlandlela sihlanganise okuhle kakhulu nge-Infonavit nezimiso ezibalulekile zokufunda ngezindaba zezimali, ukuze wenze izinqumo ezihlakaniphile.
Thola ukuthi mangaki amaphuzu osuwaqongelele
Iningi labasebenzi alazi ukuthi lingabheka amaphuzu alo e-Infonavit ngaphansi kwemizuzu emihlanu. Udinga kuphela inombolo yakho yezokuphepha komphakathi ukuze uthole ukuthi usuzifezile yini izidingo zokuthola imalimboleko yakho. Lawa maphuzu abalwa ngokusekelwe eholweni lakho, esikhathini osisebenzile, emalini oyilondolozile nakwezinye izici. Ngezinye izikhathi, ungasondela emgomweni ngisho noma ungakabi nawo umsebenzi. Ukuqonda lezi zici kuyingxenye yokufunda kahle ngezindaba zezimali, futhi lapha sikuchazela indlela yokwenza, isinyathelo ngesinyathelo.
Indlela yokuthola imalimboleko yakho ye-Infonavit isinyathelo ngesinyathelo
Awudingi ukuba uchwepheshe wezinqubo. Awudingi ukukhokhela muntu ukuze akuqondise. Ukuthola imalimboleko ye-Infonavit kulula kunalokho okubukeka. Okudingayo ukubhalisa ku-Mi Cuenta Infonavit, uhlole ukufaneleka kwakho kokuqala bese ulandela izinyathelo ezicacile esizokuchazela zona lapha. Kusukela emibhalweni edingekayo kuya esikhathini esithathwa yile nqubo, lo mhlahlandlela uzokuphelezela kuzo zonke izigaba. Lolu lwazi luyingxenye yokufunda ngezindaba zezimali: ukuqonda ukuthi uhlelo lusebenza kanjani ukuze ulusebenzise ngokunenzuzo yakho.
Khetha imalimboleko ekufanele
Ubuwazi yini ukuthi ungahlanganisa imalimboleko yakho neyomlingani wakho, ngisho noma ningashadile? Noma ukuthi ungayihlanganisa nemalimboleko yasebhange ukuze ukhuphule inani lemali ongayithola? I-Infonavit inezinhlobo ezahlukene zemalimboleko, njenge-Crédito Tradicional, i-Cofinavit, i-Unamos Créditos noma i-ConstruYO. Ngayinye yenzelwe uhlobo oluhlukile lwesidingo. Lapha sikubonisa ukuthi iyiphi ekufanele kakhulu kuye ngesimo okuso njengamanje, iholo lakho nenjongo yemalimboleko. Ukwenza isinqumo esingcono kakhulu kuncike ezingeni lakho lolwazi lwezezimali, futhi lesi sihloko senzelwe ukulithuthukisa.
Feza izidingo ngaphandle kwengcindezi
Ukuba neminyaka ephakathi kuka-18 no-65, ukuba namaphuzu amancane adingekayo, ukuba nomsebenzi osebenzayo… izidingo zicacile, kodwa kuvame ukudideka ngokuthi zisebenza kanjani. Lapha sizichaza ngayinye ngayinye ngolimi olulula, siphinde sikubonise ezinye izindlela uma ungakazifezi. Ngoba ngezinye izikhathi isenzo esincane singakusondeza kakhulu kuleyo mboleko obucabanga ukuthi awusoze wayithola. Ngokufunda ngezindaba zezimali, ufunda ukubheka izidingo njengezinyathelo ezihleliwe ezikuyisa emgomweni wakho, hhayi njengezithiyo.
Bheka isitatimende se-akhawunti yakho kalula
Uma usunayo imalimboleko ye-Infonavit, kubalulekile ukwazi ukuthi ukweleta malini, ukhokhe malini nokuthi ulwazi lwakho lusesikhathini yini. Ku-Mi Cuenta Infonavit ungakubheka konke lokhu ngokucacile. Uzofunda nokuthi usiqonda kanjani isitatimende sakho se-akhawunti, ulungisa kanjani amaphutha avamile nokuthi uqinisekisa kanjani ukuthi ulwazi lwakho luhlala lusesikhathini. Umuntu onolwazi lwezezimali uhlola njalo izimali zakhe, futhi lo ngumkhuba ongawuqala namuhla.
Funda ukukhokha ngaphandle kwezinkinga
Ukukhokha imalimboleko yakho ye-Infonavit kungazenzakalela uma uqashiwe, noma ungakukhokha ngokuzithandela uma usebenzela wena. Kusukela ekudonsweni kwemali eholweni kuya ekukhokheni ezitolo ezigunyaziwe noma ezinkundleni zedijithali, lapha sikuchazela zonke izindlela. Ngisho noma ubhekene nezinkinga zezimali, kunezixazululo nezinhlelo zosizo ezikhethekile. Ukukhokhela indlu yakho akudingeki kube umthwalo. Kufanele kube yingxenye yohlelo lwakho lwempilo. Ukuqonda ezinye izindlela onazo kukhombisa ukuthi usebenzisa ulwazi lwezezimali ekuphileni kwakho kwansuku zonke.
Uphelelwe umsebenzi? Awuwedwa
I-Infonavit iyaqonda ukuthi izinto ziyashintsha ekuphileni. Uma uphelelwe umsebenzi, ungathola izandiso zesikhathi, usizo oluvela esikhwameni sokuvikela izinkokhelo nezinye izindlela zokugwema ukusilela emuva ngezinkokhelo. Ngeke ulahlekelwe yindlu yakho ngenxa yesikhathi esinzima. Okubalulekile ukuthatha isinyathelo kusenesikhathi, uthole ulwazi futhi usebenzise izinsiza ezitholakala kulesi sikhungo. Ukuzilungiselela kanje kuvela ekufundeni kahle ngezindaba zezimali, okuncike ekulindeleni izinkinga nokwazi ukuthi ungabhekana kanjani nazo.
Sebenzisa imalimboleko yakho ngendlela othanda ngayo: thenga, yakha noma uthuthukise
Akusadingeki ukuthi uyisebenzisele ukuthenga indlu entsha kuphela. Ungasebenzisa imalimboleko yakho ukwakha esizeni sakho, ukwandisa izindawo zendlu noma ukuthuthukisa indlu osuhlala kuyo. Kusukela ekufakeni indlu yokugezela kuya ekushintsheni uphahla, kunemalimboleko yazo zonke izinhlobo zezidingo. Lapha sikuchazela ukuthi ungakwenza kanjani. Ukufunda ngezindaba zezimali kuhlanganisa nokwazi ukusebenzisa izinsiza zakho ukuze uthuthukise izinga lakho lokuphila.
Ingosi yakho yomuntu siqu: Mi Cuenta Infonavit
Iphrofayela yakho eku-inthanethi iyisihluthulelo sayo yonke le sistimu. Ukusuka lapho ungabheka amaphuzu akho, ibhalansi, imisebenzi ye-akhawunti, izindlela zemalimboleko futhi wenze izibalo zokulinganisa. Udinga kuphela ukubhalisa nge-CURP ne-NSS yakho ukuze uthole lonke ulwazi. Kumahhala, kuphephile futhi kwenzelwe wena ngokuphelele.
🎯 Ingabe usukulungele ukuqala uhambo lwakho lokwakha impahla? Nge-Infonavit nangolwazi oluqinile lwezezimali, ungakufeza lokho isinyathelo ngesinyathelo. Ikhaya lakho likulindile, nolwazi nalo.