Momwe Mungayang'anire Ngongole Yanga ya Infonavit?

Institute of the National Housing Fund for Workers (Infonavit) ndi bungwe lomwe limayang'anira kupereka ngongole zanyumba kwa ogwira ntchito aku Mexico. Kwa omwe akufuna kugula nyumba kudzera mu pulogalamuyi, ndikofunikira kukhala ndi mbiri yabwino yangongole. M’nkhani ino, tiphunzilapo momwe mungayang'anire⁢ ngongole yanu ya Infonavit ndi masitepe otani omwe ali ofunikira kuti mukhale ndi ngongole yabwino.

1. Pezani Nambala yanu ya Social Security

Musanawunikenso ngongole yanu ya Infonavit, ndikofunikira kukhala ndi Nambala Yanu Yangongole. Chitetezo chamtundu (NSS). Nambala yapaderayi imaperekedwa kwa ogwira ntchito ku Mexico ndipo ndikofunikira kuti akwaniritse njira zokhudzana ndi Infonavit. Ngati⁢ simukudziwa ⁤ SSN yanu,⁢ mutha kuipeza polumikizana ndi khadi lanu la umembala ku Mexico Institute of Chitetezo chamtundu (IMSS) kapena kudzera pa IMSS pa intaneti.

2. Pezani nsanja ya Infonavit

Mukakhala ndi NSS yanu, muyenera kulowa Infonavit online nsanja kuti fufuzani ngongole yanu. Kuti muchite izi, mutha kulowa patsamba lovomerezeka la Infonavit ndipo mupeza zosankha zolowera kumanja kumanja. Ngati mulibe akaunti, muyenera kulembetsa popereka zomwe mukufuna, kuphatikiza SSN yanu.

3. Onaninso Mbiri Yanu Yangongole

Mukangolowa ku nsanja ya Infonavit, mudzatha onani mbiri yanu yangongole. Gawo ili la nsanja likupatsani zambiri zangongole yanu, kuphatikiza ndalama zomwe zilipo, zomwe mwalipira, ndalama zomwe mwatsala ndi zina zilizonse zokhudzana ndi ngongole yanu yanyumba.

4. Khalani ndi Mbiri Yabwino Ya Ngongole

Kuti mutsimikizire ngongole yabwino ya Infonavit m'tsogolomu, ndikofunikira kusunga a puntaje crediticio wathanzi. Izi zikuphatikizapo kupereka malipiro oyenera pa nthawi yake, kupewa kuchedwetsa pang'onopang'ono ndikusamalira ndalama zaumwini. Kuonjezera apo, ndi bwino kusunga ndalama zochepa pakati pa ngongole yanu ndi ndalama zomwe mumapeza, chifukwa izi zimakhudzanso luso lanu lopeza ngongole zambiri mtsogolomu.

Pomaliza, yang'anani ngongole yanu ya Infonavit Ndi njira zosavuta mukatha kupeza nsanja ya Infonavit. Kumbukirani kusunga mbiri yabwino yangongole kuti muwonetsetse kuti mukulandira ngongole yamtsogolo pa zinthu zabwino.

1. Kodi Infonavit ndi chiyani ndipo imakhudza bwanji ngongole yanga?

Infonavit Ndi Institute of the National Housing Fund for Workers, bungwe la boma lomwe cholinga chake chachikulu ndikupereka ngongole kuti ogwira ntchito athe kupeza nyumba zawo. Bungweli limalandira ndalama zambiri kudzera mu zopereka zomwe ogwira ntchito komanso owalemba ntchito amapereka mwezi uliwonse. Chifukwa chake, Infonavit ndi gawo lofunikira pakugula nyumba kapena nyumba.

Zikafika pakupeza ngongole InfonavitNdikofunika kuganizira momwe izi zingakhudzire mbiri yanu ya ngongole. Nkhani yabwino ndiyakuti bungweli litha kukhala njira yabwino kwambiri kwa iwo omwe akufuna kukhala ndi ndalama zogulira nyumba. Komabe, ndikofunikira kumvetsetsa kuti ngongoleyi imatengedwa ngati kudzipereka kwachuma kwanthawi yayitali ndipo imatha kukhudza kwambiri mbiri yanu yangongole.

Kwa fufuzani ngongole yanu ya Infonavit, muyenera kudziwa zina zofunika. Chimodzi mwa izo ndi kuchuluka kwa ngongole zomwe mwapatsidwa, zomwe zimatsimikiziridwa makamaka ndi ndalama zomwe mumapeza, zaka ndi nthawi yomwe mwapereka. Kuonjezera apo, m'pofunika kudziwa ndalama zomwe muyenera kulipira pamwezi komanso chiwongoladzanja chomwe chidzagwiritsidwe ntchito pa ngongole yanu. Kusunga mbiri yolipira zomwe zamalizidwa ndikuzipanga munthawi yake kudzakuthandizani kukhalabe ndi ngongole yabwino ya Infonavit ndikukhala ndi njira zambiri zopezera ndalama zamtsogolo.

2. Njira⁤ kuti muwone ngongole yanga ya Infonavit pa intaneti

Gawo 1: Lowani tsamba lovomerezeka la Infonavit

Kwa fufuzani ngongole yanu ya Infonavit pa intaneti, sitepe yoyamba ndi kulowa tsamba lawebusayiti Infonavit official. Mutha kuchita izi kudzera pa msakatuli womwe mumakonda kuchokera pakompyuta kapena pa foni yam'manja. Mukakhala patsamba lalikulu, ⁤ yang'anani gawo la "Credits" kapena "Akaunti Yanga" ndikusankha njira⁤ yomwe⁢ imakupatsani mwayi wopeza⁢ zambiri zanu.

Khwerero 2: Lembani kapena lowani mu akaunti yanu

Kamodzi mkati mwa gawo lolingana ndi fufuzani ngongole yanu ya Infonavit, mupeza njira ziwiri: kulembetsa ngati wosuta watsopano, kapena lowani ngati muli ndi akaunti kale. Ngati ndinu nthawi yoyamba, sankhani njira yolembetsa ndikutsatira malangizo kupanga akaunti yopereka deta yanu payekha. Ngati muli ndi akaunti kale, ingolowetsani dzina lanu lolowera ndi mawu achinsinsi. Onetsetsani kuti mwapereka zidziwitso zolondola ⁢kupewa zovuta zopezeka.

Gawo 3: Pezani zambiri zangongole za Infonavit

Mukalembetsa kapena kulowa, mudzatha kulowa zidziwitso zonse za ngongole yanu ya Infonavit.⁢ Izi zikuphatikizapo zambiri za ndalama zanu zangongole, zolipirira zomwe mudapanga, chiwongola dzanja, ndi zolipirira, ndi zina. Kuphatikiza apo, mudzatha kuwona zosintha zilizonse kapena zosintha pangongole yanu, komanso kupempha njira zothandizira kapena kukonza ngongole yanu, ngati zilipo. Kumbukirani kuti izi ndi zachinsinsi ndipo ziyenera kufunsidwa ndi eni ake kapena anthu ovomerezeka.

Kuyang'ana ngongole yanu ya Infonavit pa intaneti ndikosavuta komanso ndikosavuta. Kumbukirani kuti kusunga mbiri yabwino yangongole ndikofunikira kuti mutsimikizire phindu lamtsogolo. Ngati muli ndi mafunso kapena mavuto panthawiyi, funsani makasitomala a Infonavit kuti mulandire chithandizo ndi chitsogozo chaumwini.

3. Zofunikira ndi zolemba zofunika kufunsira lipoti langa langongole

Pali zingapo zofunikira ndi zikalata zofunika Zomwe muyenera kukhala nazo kuti mupemphe lipoti lanu la ngongole ku Infonavit. Choyamba, muyenera kukhala anu Nambala Chitetezo chamtundu (NSS), yomwe ndi yapadera komanso imakuzindikiritsani ngati wogwira ntchito yogwirizana ndi Infonavit. Muyeneranso kukhala ndi a chizindikiritso chovomerezeka mokakamiza, monga⁤ INE kapena pasipoti yanu, zomwe zimakulolani kuti mutsimikize kuti ndinu ndani. Chofunikira chinanso chofunikira ndikupereka nambala yanu Infonavit Credit, zomwe mungapeze pa sitetimenti ya akaunti yanu kapena mu mgwirizano wanu wa ngongole.

Kuphatikiza pa zofunikira zomwe zatchulidwa pamwambapa, mudzafunikila kupereka a chizindikiro cha autograph kutsimikizira pempho lanu. Ndikofunika kukumbukira kuti lipoti la ngongole ndi zachinsinsi ndipo akhoza kufunsidwa ndi mwini ngongole. Ngati mukufuna kulandira ⁤ lipoti lanu la ngongole kudzera pa imelo, ⁤muyenera kupereka imelo adilesi zovomerezeka.

Chikalata china zofunikira kufunsira lipoti lanu la ngongole ndi a umboni wa adilesi. Izi zitha kukhala bilu yothandizira, akaunti yakubanki, kubwereketsa, kapena chikalata china chilichonse chotsimikizira komwe mukukhala. Umboni wa adilesi uyenera kukhala m'dzina ⁤ ndipo ⁤ ukhale waposachedwa, wokhala ndi ⁣usinkhu ⁢osakulirapo⁤ miyezi itatu. Musaiwale kuti zolemba zonse zomwe mumapereka ⁢kuti mupemphe lipoti lanu la ngongole ⁢ayenera kukhala⁤ zomveka komanso zamakono.

4. Kodi kumasulira mbiri yanga Infonavit ngongole?

Gawo 1: Lowani tsamba lovomerezeka la Infonavit

Kutanthauzira mbiri yanu ya ngongole ya Infonavit, chinthu choyamba inu muyenera kuchita ndikulowa patsamba lovomerezeka la Infonavit, www.infonavit.org.mx. Mukakhala patsamba, yang'anani gawo la "Akaunti yanga ya Infonavit" ndikupereka nambala yanu chitetezo chamtundu ndi ⁢Infonavit (NCI) Nambala Yanu ya Ngongole. Kumbukirani kuti izi ndi zanu komanso zachinsinsi, choncho onetsetsani kuti mwalowetsa pamalo otetezeka.

Khwerero⁢ 2: Onani mbiri yanu yangongole

Mukalowa mu akaunti yanu ya Infonavit, yang'anani njira yomwe imakupatsani mwayi wowona mbiri yanu yangongole. Gawoli likuwonetsani zambiri za ngongole yanu ya Infonavit, monga kuchuluka kwangongole, ndalama zomwe zatsala, zolipirira pamwezi ndi zotsala zapamwezi. Kuphatikiza apo, mutha kutsimikizira ngati muli ndi ngongole kapena ngati ngongole yanu ndi yaposachedwa. Zonsezi zidzakuthandizani kumvetsetsa mbiri yanu ndikuwunika momwe ndalama zanu zilili ndi Infonavit.

Khwerero 3: Yang'anani mbiri yanu ndikupanga zisankho zanzeru

Mutawunikanso mbiri yanu ya Infonavit yangongole, ndikofunikira kuti mufufuze mosamala zomwe zaperekedwa kwa inu. Onani kwambiri pa kuzindikira zolakwika zilizonse kapena zosagwirizana zomwe zingakhalepo, monga malipiro osalembedwa kapena ma balansi olakwika. Ngati mupeza cholakwika chilichonse, ndikofunikira kuti mulumikizane ndi Infonavit nthawi yomweyo kuti mupemphe kukonza komweko.

Kupatula apo, ganizirani kuchuluka kwa malipiro omwe muli nawo panopa musanapange chisankho chilichonse chokhudzana ndi ngongole yanu ya Infonavit. Ngati chuma chanu chasintha ndipo mukukhulupirira kuti simungathe kupitiriza kulipira mwezi uliwonse, ganizirani zosankha monga kukonzanso ngongole yanu kapena kupeza njira yatsopano yolipirira. Kumbukirani kuti ndikofunikira kudziwitsidwa kuti mupange zisankho zoyenera zachuma ndikusunga mbiri yabwino yangongole ndi Infonavit.

5. Zinthu zazikulu zomwe zimandikhudza Infonavit ngongole yanga

Kudziwa zinthu zomwe zimakhudza mayendedwe anu a ngongole a Infonavit ndikofunikira kuti mumvetsetse momwe dongosololi limagwirira ntchito komanso zomwe mungasinthe kuti mupeze ndalama zabwinoko. Pansipa, tikuwonetsa zinthu zazikulu zomwe Infonavit imayesa powerengera mangongole anu:

1. Mbiri ya malipiro: Kulipira pa nthawi yake ndi chimodzi mwazinthu zofunika kwambiri zomwe zimakhudza kuchuluka kwa ngongole yanu Ngati mwalipira mochedwa kapena mwachita zachiwembu, izi zimakutsitsani. Ndikofunikira kukhala ndi mbiri yabwino yolipira kuti muwonetsetse kuti mumasunga ndalama zabwino.

2. Mulingo wangongole: ⁢Infonavit imaganiziranso kuchuluka kwa chuma chomwe mukugwiritsa ntchito kulipira ngongole zomwe muli nazo pokhudzana ndi ndalama zomwe mumapeza. Kukhala ndi ngongole yochuluka kungakhale chinthu choipa pa ziyeneretso, chifukwa zimasonyeza mwayi waukulu wolephera kulipira. Ndikoyenera kukhala ndi ngongole yabwino.

3. Utali wa ntchito: Kukhazikika kwa ntchito ndi gawo lina loyenera la Infonavit. Ngati muli ndi mbiri yolimba komanso yokhazikika yantchito, izi ziwonetsa kuthekera kwakukulu kolipira ndipo, chifukwa chake, zidzakhala ndi zotsatira zabwino pa ngongole yanu. Ngati mwasintha ntchito nthawi zonse kapena muli ndi nthawi yayitali yopanda ntchito m'mbiri yanu, izi zitha kusokoneza ngongole yanu.

6. Chochita ngati tipeza zolakwika mu mbiri yanga yangongole?

Ngati mukuwunika mbiri yanu yangongole mupeza cholakwika, ndikofunikira kuchitapo kanthu mwachangu kuti mukonze. ChoyambaChonde tsimikizirani kuti zomwe zawonetsedwa ndi zolondola, monga dzina lanu, adilesi, ndi nambala yachitetezo cha anthu. Ngati mupeza kusamvana kulikonse, funsani a Credit Bureau kapena bungwe lazachuma lomwe likugwirizana nalo kuti mupemphe kukonzako.

Chachiwiri, pendani mosamala zolemba zanu zangongole. Ngati mutapeza ngongole kapena ngongole zomwe sizikugwira ntchito kwa inu, pezani mlandu yokhazikika ku bungwe lomwe likuwoneka ngati langongole. Perekani zikalata zilizonse zomwe zikugwirizana ndi mkangano wanu, monga zikalata za akaunti kapena malisiti olipira. Ndikoyenera kutero polemba kuti mukhale ndi mbiri ya pempho.

Chachitatu, sungani nthawi zonse mikangano yanu mu mbiri yanu ya ngongole. Yang'anani nthawi ndi nthawi kuti zosinthazo zapangidwa molondola ndipo zikuwonetsedwa mu lipoti lanu losinthidwa. Vutoli likapitilira kapena silinathedwe mokwanira, mutha kuganiza zokapeza upangiri wazamalamulo kapena kukanena za vutolo kwa akuluakulu oyenerera. ⁤Kumbukirani kuti kulondola kwa mbiri yanu yangongole ndikofunikira kuti⁢ mupeze ma kirediti mtsogolo ndikukhala ndi ndalama zabwino.

7. Maupangiri opititsa patsogolo rating yanga ya Infonavit

Kuti muwongolere ⁤Infonavit rating yanu yangongole, pali malingaliro angapo omwe mungatsatire:

1. Kusunga nthawi pamalipiro: Ndikofunikira kulipira mwezi uliwonse pa nthawi yake, kupewa kuchedwa kapena kusalipira. ⁢Izi zikuwonetsa udindo ndi kudzipereka pazachuma, zomwe zimaonedwa kuti ndi zamtengo wapatali ndi Infonavit pamene⁤ mukuwerengera ⁢malipiro anu angongole.

2. Kuchepetsa ngongole: Ngati muli ndi ngongole zomwe simunabweze, ndikofunikira kuti muchepetse kapena kuzithetsa posachedwa. Izi zikuthandizani kuchepetsa ngongole yanu ndikuwongolera ziyeneretso zanu. Ikani patsogolo ngongole zokhala ndi chiwongola dzanja chokwera ndikukhazikitsa ndondomeko yolipira kuti muzilipira pang'onopang'ono.

3. Kusiyanasiyana kwa mbiri ya ngongole: Kukhala ndi mbiri yosiyana siyana yangongole kumatha kukhala kwabwino pakukweza magole anu. Ganizirani kupeza mitundu ina ya ngongole, monga makhadi a ngongole kapena ngongole zanu, ndipo onetsetsani kuti mukuzigwiritsa ntchito moyenera. Izi zikuwonetsa kuthekera kwanu kogwiritsa ntchito magwero osiyanasiyana azandalama ndikuwonjezera zotsatira zanu. Komanso, pewani kutsegula njira zingapo zangongole zonse ziwiri, popeza izi zingatanthauzidwe ngati ngozi yachuma.

8.⁤ Kodi ndi liti ndipo ndingathe bwanji kupempha ngongole yatsopano ya Infonavit?

Ngati mukuganiza zofunsira ngongole yatsopano ya Infonavit, ndikofunikira kudziwa nthawi yoyenera komanso njira zoyenera kutsatira. Kuti mupemphe ngongole yatsopano ya Infonavit, muyenera kukwaniritsa zofunika zina:

• Khalani ndi mfundo zosachepera 116 za Infonavit.
• Mwathandizira kwa miyezi yosachepera 24 pantchito yanu yamakono.
• Osakhala ndi ngongole ya Infonavit pano.

Mukakwaniritsa zofunikira izi, mutha kupitiliza kugwiritsa ntchito⁤ potsatira izi:

1. Lowetsani akaunti yanu patsamba lovomerezeka la Infonavit (www.infonavit.org.mx) ndikusankha "Pemphani ngongole".
2. Lembani fomu ndi zonse zomwe mwapempha, kuphatikizapo zaumwini, ntchito ndi zachuma.
3. Phatikizani zolembedwa zofunika, monga chizindikiritso chanu, umboni wa ndalama ndi CURP yanu.
4. Tumizani pempho lanu ndikudikirira yankho kuchokera ku Infonavit.

Kumbukirani kuti ntchito yofunsira ikhoza kutenga nthawi ndipo ndikofunikira kudziwa kulumikizana kulikonse kuchokera ku Infonavit. Mukavomerezedwa, Infonavit ikupatsani chidziwitso chofunikira kuti musangalale ndi ngongole yanu yatsopano ndikupeza nyumba yamaloto anu.

9. Kufunika kosunga mbiri yabwino yangongole pazofunsira zamtsogolo zangongole

The .

Kukhalabe ndi mbiri yabwino yangongole ndikofunikira kuti muthe kupeza bwino zofunsira ngongole zamtsogolo. Tikamafunsira ngongole kapena ngongole, obwereketsa amawunika mbiri yathu yangongole kuti adziwe kuchuluka kwa chiwopsezo chathu monga makasitomala.

Koma kodi kukhala ndi mbiri yabwino ya ngongole kumatanthauza chiyani?

Kuti mukhale ndi mbiri yabwino yangongole, ndikofunikira kutsatira njira izi:

• Lipirani nthawi yake: Kulipira ngongole zathu ndi ma kirediti kadi patsiku lomwe tagwirizana ndikofunikira kuti tisunge mbiri yabwino yangongole. Kuchedwetsa kapena kusalipira kumatha kusokoneza mtengo wathu wangongole.
• Yesetsani kuchuluka kwa ngongole zathu: Ndikofunika kuti tisapitirire kuchuluka kwa ngongole yomwe timapempha kapena kugwiritsa ntchito. Kukhalabe ndi ngongole yochepa kumasonyeza udindo wa zachuma ndipo zimatiika ife ngati ofunsira odalirika.
• Pewani kukhala ndi ngongole zambiri: Kukhala ndi ngongole zingapo zomwe zatsala kutha kutanthauziridwa ngati kusakhazikika kwachuma ndikupangitsa kuti obwereketsa asakhulupirire. Ndikoyenera kukhala ndi chiwerengero chochepa cha ngongole za ngongole.

Pomaliza, kusunga mbiri yabwino yangongole n'kofunika kwambiri kuti munthu achite bwino m'tsogolomu. Potsatira malangizo omwe tawatchulawa, titha kuonetsetsa kuti tili ndi mbiri yabwino yangongole yomwe imatilola kupeza ngongole ndi mangongole pamikhalidwe yabwino. Kumbukirani kuti ndikofunikira kusamalira mbiri yathu yangongole, chifukwa zitha kukhudza kwambiri moyo wathu wazachuma wanthawi yayitali. Yambani kupanga mbiri yanu yabwino yangongole lero!

10. Onani mbiri yanga⁤ Infonavit: ndiyenera kuchita liti ndipo chifukwa chiyani ndikofunikira?

Kuyang'ana ngongole yanu ya Infonavit ndi ntchito yomwe muyenera kuchita pafupipafupi kuti "mudziwe momwe mulili zachuma ndikukonzekera bwino" mayendedwe anu otsatira. Ndi zofunika kwambiri dziwani kuchuluka kwa ngongole yanu⁢ ndi kuchuluka kwa ngongole zanu, popeza izi zikuthandizani kupanga zisankho zodziwikiratu⁢ ndikuchitapo kanthu kuti mutsimikizire kupitiliza kwa katundu wanu. Musadikire mpaka mutakhala ndi vuto lachangu kuti muwone ngongole yanu, chitani izi nthawi ndi nthawi kuti mupewe zodabwitsa.

Mbali ina yofunika ya fufuzani ngongole yanu ya Infonavit ndiye kuti zidzakulolani pezani zolakwika kapena zosagwirizana mu mbiri yanu yangongole. Ndikofunikira kuti mutsimikizire kuti zolipira zonse zomwe mudapanga zidalembedwa molondola, chifukwa cholakwika chilichonse chingakhudze luso lanu lopeza makirediti atsopano mtsogolomu ngati mupeza zosemphana, muyenera kulumikizana ndi Infonavit kuti muthetse posachedwa momwe zingathere.

Pomaliza,⁤ fufuzani ngongole yanu ya Infonavit Ndikofunikira kwa⁤ yesani mwayi wanu wopeza ngongole yatsopano. Ngati mukuganiza zofunsira ngongole yowonjezera, ndikofunikira kuti mudziwe ndalama zomwe muli nazo komanso kuchuluka kwanu kobwereketsa motere, mudzatha kuwunika ngati ndi nthawi yoyenera kupempha ngongole yatsopano kapena ngati Ndilo. Ndikoyenera kudikirira mpaka mutapeza ndalama zambiri za ngongole. Osapeputsa kufunikira ⁤kukhala ndi zambiri zatsopanozi kuti mupange zisankho zanzeru pazachuma.