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If I stop working, do I lose my Infonavit points?

If you are currently quoting points with Infonavit and a job cut is approaching in your company or you are planning to change jobs, you should consider what may happen with your points.

It is no lie job instability in our country, which represents a high risk for workers who are currently quoting points with the Infonavit to be able to apply for a mortgage loan. The importance of obtaining points from Infonavit is that they represent an indicator for the Institute, which evaluates the aspiring workers to receive a mortgage loan. These points do not represent an interchangeable economic amount, much less means that the greater the accumulation, the greater the capacity of your credit, it is simply a measure of some aspects as an employee, be it seniority, job stability and continuity.

A frequent question among workers is: if I stop working, do I lose my Infonavit points? This concern could be greater if a job cut is approaching in the company where you work or if you are seeing a job change. If you are worried about what happens with your points in case of unemployment, read on and find answers to several questions about an issue that represents a strong concern for Infonavit right holders who want to buy a home and still cannot get 116 Infonavit points necessary to request a loan from the Institute.

What you should know if your Infonavit points are at risk

·         How to keep your Infonavit points

·         Alternatives if you can no longer get Infonavit points

·         Recover and reach the necessary Infonavit points for your credit

How to keep your Infonavit points

If you have just lost your job and have not yet managed to accumulate the 116 points necessary to aspire to an Capital smart city Infonavit mortgage loan, it is necessary that in a period not exceeding two months you join a new job in which you receive benefits and so you can continue Contributing to Infonavit. Otherwise, the Institute can detect that you stopped being active at work and you will lose all of your continuous contribution points, which will delay the date on which you can aspire to request an Infonavit loan.

If you stop contributing for more than two months, you will also lose all of your accumulated points, which would result in working the same time of two-month periods that elapsed to get your current points, without considering the time required to add the total of 116 points.

Alternatives if you can no longer get Infonavit points

If more than two months have elapsed and you have not re-quoted points before Infonavit, there is an alternative in case you do not have the 116 points necessary to request your Infonavit credit. This option called secure credit is to start a savings in the National Savings and Financial Services Bank (Bansefi), where you will have to make a savings for at least 4 months and after that you can exercise your mortgage credit. The amount saved will add to your purchasing capacity. A savings can start from 20 thousand pesos, up to 80 or more than 90 thousand pesos. This savings will be added to the purchase capacity that will be calculated, depending on your salary and your age.

Another alternative in case of lack of financing is the processing of a mortgage loan before a bank, however, the requirements and conditions imposed by each bank will be different, as well as the interest rates and, above all, the amount that You can arrange to finance your home.

Recover and reach the necessary Infonavit points for your credit

In conclusion, how are Infonavit points lost? Easy, if you stop working you lose your Infonavit points, but you will only lose points for continuity. All points will be lost if more than two months have elapsed and you have not obtained a job where you continue to contribute to Infonavit. The best recommendation that can be made regarding this issue is to not allow to be unquoted to the Infonavit for more than two months, in case the two-month period has elapsed and you are still unemployed, it is crucial that you get a job before it expires a bimester, to only have lost the points for continuity and not the total of your accumulated points.

Remember that if you have already achieved your 116 Infonavit points you can exercise your mortgage credit. In the pechs Vivanuncios portal you will find the best selection of houses and apartments that you can acquire with your Infonavit credit.