Izinhlobo zezimali mboleko ze-Infonavit ezitholakala ngo-2025: khetha ekufanele kakhulu
Uma sikhuluma nge-Infonavit, abantu abaningi bacabanga ukuthi kunohlobo olulodwa kuphela lwesikweletu.
Kodwa iqiniso liwukuthi kunezindlela eziningana ongakhetha kuzo, ngayinye yenzelwe abantu abanezimo, izidingo nezinhloso ezahlukene.
Ukuzazi kubalulekile ukuze ukhethe ekufanele kakhulu futhi wenze isinqumo unolwazi, esingasekelwe kuphela kulokho okufunayo manje, kodwa nakulokho ozokwazi ukukukhokhela ngokuhamba kwesikhathi.
Lapha uzothola ukuthi yiziphi izinhlobo eziyinhloko zezikweletu ze-Infonavit ezitholakala ngo-2025, ukuthi ngayinye isebenza kanjani nokuthi inikeza ziphi izinzuzo.
Lo mhlahlandlela uklanyelwe ukukusiza ukhethe unesiqiniseko, ucacelwa kahle futhi ubheka ikusasa lakho lezezimali.
Crédito Infonavit Tradicional (isikweletu se-Infonavit esijwayelekile)
Lesi yisikweletu esivame kakhulu nesicelwa kakhulu. Senzelwe abasebenzi abafaka iminikelo njalo ku-IMSS, abanamaphuzu adingekayo (okungenani angu-1080) futhi abafuna ukuthenga indlu entsha noma eke yasetshenziswa.
Lesi sikweletu sixhaswa ngemali eku-Subcuenta de Vivienda (i-akhawunti engaphansi yokonga izindlu) yakho kanye nemali ebolekiwe eyengeziwe oyinikwa yi-Infonavit. Izitolimende zanyanga zonke zidonswa ngokuzenzakalelayo emholweni wakho, kanti inani lenzalo lihleliwe.
Sifanele uma:
- Ufuna ukuthenga indlu esilungele ukuhlala kuyo
- Uqhubeka nokufaka iminikelo njalo
- Unemali engenayo ezinzile
Lolu hlobo lwesikweletu lukuvumela futhi ukuba uthole usizo lwe-Fondo de Protección de Pagos (Isikhwama Sokuvikela Izinkokhelo), oluwusizo uma ulahlekelwa umsebenzi okwesikhashana.
Cofinavit
Lesi sikweletu sihlanganisa i-Infonavit nebhange. Ibhange likuboleka imali, bese i-Infonavit yona yengeza enye imali, kanye nemali oyilondolozile ku-Subcuenta de Vivienda.
I-Cofinavit inconywa uma:
- Imali yakho engenayo iphezulu
- Ufuna indlu ebiza kakhulu
- Ufuna ukusebenzisa ithuba lesikweletu sasebhange ngaphandle kokulahlekelwa izinzuzo ze-Infonavit
Kulolu hlelo ukhokha izitolimende ezimbili zanyanga zonke: esisodwa ebhange nesinye kwa-Infonavit, kodwa ungakwazi ukuthola izindlu ezibiza kakhulu nezindawo eziningi ongakhetha kuzo.
Cofinavit Ingresos Adicionales
Lolu hlobo lufana ne-Cofinavit, kodwa lwenzelwe abantu abathola imali eyengeziwe ngaphezu komholo wabo oyisisekelo, njengamakhomishini, amathiphu, amabhonasi nokunye.
Ngalolu hlelo kungabhekwa imali engenayo ongeke ukwazi ukuyifakazela ngokuqondile, kodwa ethinta amandla akho angempela okukhokha. Lufanele labo abanemithombo yemali engenayo exubile noma eguquguqukayo, kodwa abafuna ukuthola inani elikhulu lesikweletu.
Unamos Créditos Infonavit
Le nketho ikuvumela ukuba uhlanganise isikweletu sakho nesomunye umuntu ngaphandle kokuba nishadile, okusho ukuthi ungakwenza nomlingani wakho, umngane, umfowenu noma udadewenu, noma omunye umuntu omethembayo.
Nobabili kufanele nifake iminikelo ku-IMSS futhi nibe namaphuzu okungenani angu-1080. Inzuzo iwukuthi uma kuhlanganiswa amanani enu atholakalayo, ningathenga indlu enkulu noma esendaweni engcono.
Yenzelwe:
- Intsha efuna ukuzimela
- Izithandani ezingakabi nobudlelwano obuqashelwa ngokomthetho
- Abantu abangashadile abafuna ukuthenga indlu abazoyisebenzisa ndawonye
Ngamunye ugcina umlando wakhe wesikweletu ngokwehlukana, nakuba indlu ithengwa ngokuhlanganyela.
ConstruYO
Lesi yisikweletu esiklanyelwe labo abafuna ukwakha esizeni sabo, ukwandisa indlu abanayo noma ukwenza ukuthuthukisa okukhulu. Siyavumelana nezidingo ezahlukene, sikhishwa ngezigaba futhi asidingi ukuba ube namatayitela esakhiwo ekuqaleni kwesicelo.
Kunezindlela ezintathu:
- ConstruYO con Asistencia Técnica
- ConstruYO con Constructora
- ConstruYO sin Asistencia
Lolu hlobo lwesikweletu luwusizo kakhulu uma usuvele unesiqephu somhlaba futhi ufuna ukwakha ngokukhululeka, ulandela uhlelo lwakho lomsebenzi wokwakha.
Mejoravit ne-Renovate
Lezi zikweletu zigxile ekuthuthukiseni noma ekulungiseni kabusha indlu ekhona. Azisetshenziselwa ukuthenga indlu, kodwa ezokuvuselela, ukuyilungisa, ukuyandisa noma ukuyenza ihambisane nezidingo zakho.
Izinzuzo zazo zihlanganisa:
- Amanani esikweletu afinyelelekayo
- Izikhathi zokukhokha ezifushane
- Asikho isidingo sokushintsha itayitela lesakhiwo
Zifaneleka kakhulu uma usuvele unendlu kodwa ufuna ukukhuphula inani layo noma uyenze isebenze kangcono.
Apoyo Infonavit
Lolu hlelo lukuvumela ukuba usebenzise i-Subcuenta de Vivienda yakho njengesibambiso sesikweletu sendlu esithathwa ebhange. Imali eqoqwe kule akhawunti isebenza njengesibambiso uma ulahlekelwa umsebenzi, ikusiza ukukhokha ngaphandle kokulimaza umlando wakho wesikweletu.
Sifanele uma:
- Unobudlelwano obuhle nesikhungo sezezimali
- Ufuna imigomo evumelana nezimo kakhulu
- Ufuna ukuqhubeka nokonga ngaphandle kokuyisebenzisa ngokushesha
Ukukhetha ngobuhlakani: isikweletu kufanele sikufanele wena
Ukukhetha uhlobo olufanele lwesikweletu se-Infonavit akuncikile enanini lemali ebolekiwe oyinikezwayo kuphela, kodwa nas esimweni okuso manje, ekuzinzeni komsebenzi wakho nasezinhlelweni zakho zekusasa. Yingakho kubaluleke kakhulu ukuthola imfundo yezezimali ngaphambi kokwenza isinqumo sokugcina.
Ngaphambi kokukhetha:
- Hlola ukuthi ungakwazi ukukhokha malini ngempela
- Cabanga isikhathi eside
- Sebenzisa amathuluzi okulingisa izikweletu
- Funda ngokucophelela imigomo yomkhiqizo ngamunye
- Cela iseluleko uma unemibuzo
Ukukhetha ngesu kungaba umehluko phakathi kokujabulela indlu yakho nokugcina usunesikweletu esikhulu ngokweqile.
📌 Imibuzo evame ukubuzwa (FAQ)
Ngingalushintsha yini uhlobo lwesikweletu ngemva kokuqala isicelo?
Cha, kufanele ukhethe kahle ngaphambi kokuqala. Yingakho kubalulekile ukuqhathanisa izinketho kusukela ekuqaleni.
Ngingasebenzisa yini isikweletu se-Infonavit ukuthenga isiqephu somhlaba?
Cha. Izikweletu ezikhona manje azikuvumeli ukuthenga isiqephu somhlaba sodwa. Kufanele wakhe noma uthuthukise isakhiwo esivele sikhona.
Iluphi uhlobo lwesikweletu se-Infonavit olungcono kakhulu?
Kuncike emalini oyitholayo, ezinhlosweni zakho nasezimweni zakho zomsebenzi. Ayikho impendulo eyodwa efanele.
Ngingakwazi yini ukuhlanganisa i-Infonavit nesikweletu sasebhange?
Yebo, ngohlelo lwe-Cofinavit noma lwe-Apoyo Infonavit.
Ingabe imfundo yezezimali iyasiza kule nqubo?
Yebo, ngoba ikuvumela ukuba uqonde izinzuzo nezibopho, nokuthi ungazithatha kanjani izinqumo ezingeke ziphazamise ukuzinza kwakho kwesikhathi eside.