Indlela Yokukhupha Imali Yam kwi-Infonavit

Ukurhoxiswa kweemali ze-Infonavit Ingumxholo onomdla kakhulu kubasebenzi baseMexico abaye bafaka isandla kule nkqubo yokulondoloza izindlu Njengoko ixesha lifika lokunandipha izibonelelo eziqokelelwe kule akhawunti, imibuzo emininzi iphakama malunga neenkqubo eziyimfuneko kunye nokukhethwa kukho. khupha imali. Kule nqaku, siza kunika isikhokelo esicacileyo malunga nendlela yokurhoxisa imali⁤ kwi-Infonavit, ichaza inyathelo ngalinye, iimfuno kunye nokubonelela⁤ iingcebiso eziluncedo ukuququzelela inkqubo. Ukuba ufuna ukwazi nzulu indlela yokwenza le nkqubo, qhubeka ufunda!

1. Kutheni ndikhupha imali yam kwi-Infonavit?

Ngaphambi kokungena kwiinkqubo ezikhethekileyo ze Fumana imali yakho kwi-Infonavit, kubalulekile ukuqonda izizathu ezibangela esi sigqibo. Abasebenzi abaninzi bakhetha ukurhoxisa iimali zabo ngenxa yesidingo sokuthenga amakhaya abo, bahlawule imali-mboleko, baphucule imeko yabo yezemali, okanye bajongane neemeko zikaxakeka.⁢ Nokuba sithini na isizathu, I-Infonavit ibonelela ngeendlela ezahlukeneyo zokurhoxisa eziqhelanisa neemeko ezahlukeneyo zomsebenzi ngamnye.

2. Zazi iimfuno zokucela ukurhoxiswa

Ngaphambi kokuba uqalise inkqubo yokurhoxiswa kwe-Infonavit, kufuneka uqinisekise ukuba uyahlangabezana nazo zonke iimfuno ezisekwe leli ziko. Ezi mfuno ziyohluka ngokuxhomekeke kwindlela yokurhoxa oyikhethayo, nokuba kungenxa yokungaphangeli, umtshato, umhlalaphantsi, ukufa okanye ngenxa yezinye izizathu. I-Infonavit ichaza amaxwebhu ayimfuneko kunye neenkqubo ⁤okufuneka uyithobele. Kubalulekile ukuba uzilungiselele kwaye uthintele ukulibaziseka okanye iingxaki ngexesha lenkqubo.

3. Funda malunga neendlela ezahlukeneyo zokurhoxisa

I-Infonavit ibonelela ngeendlela ezahlukeneyo ukuze abasebenzi bakwazi fumana imali yakho ⁤ ngempumelelo. Olu khetho lubandakanya ukuhoxiswa ngokuyinxenye ngenxa yokungasebenzi, ukusetyenziswa kwemali eseleyo ukuthenga ikhaya, ukubuyiswa kwebhalansi ye-subaccount yezindlu, kunye nesicelo semali mboleko yendlu. Inketho nganye ineempawu zayo ezithile kunye neemfuno, ngoko ke kubalulekile ukuvavanya ngononophelo ukuba yeyiphi ehambelana neemfuno kunye neemeko zakho.

Isiphelo

Isishwankathelo, khupha imali yakho kwi-Infonavit Yinkqubo efuna iinkqubo ezithile kunye namaxwebhu athile. Nangona kunjalo, ukuba uyahlangabezana nazo zonke iimfuno kwaye ulandele iingcebiso ezinikeziweyo, uya kukwazi ukwenza ukurhoxiswa ngempumelelo. Khumbula ukuba i-Infonavit yenza iindlela ezahlukeneyo zomhlalaphantsi zifumaneke kubasebenzi, nganye ilungelelaniswe kwiimeko ezahlukeneyo. Ukuba unamathandabuzo okanye ufuna ulwazi oluthe kratya, ungalibazisi ukuya kwi-ofisi ye-Infonavit⁤ okanye ujonge iwebhusayithi yabo esemthethweni. Thatha ithuba leenzuzo oziqokeleleyo kwaye usebenzise imali yakho ye-Infonavit kakuhle!

1. ⁤Iimfuneko zokutsala imali kwi-Infonavit

Ukuba unomdla kwi khupha imali yakho kwi-Infonavit, kufuneka uhlangabezane neemfuno ezithile ukuze ukwazi ukwenjenjalo ngokusemthethweni nangokukhuselekileyo. Apha sibonisa ezona mfuno ziphambili ekufuneka uziqwalasele:

1. Yiba negalelo elisebenzayo: Okokuqala, kufuneka ube ngumsebenzi onxibelelana ne-Infonavit kwaye ube usexesheni ngeentlawulo zakho kunye neminikelo. Oku kuthetha ukuba nomsebenzi osesikweni kunye nokubhaliswa kwiZiko laseMexico le Ukhuseleko lasekuhlaleni (IMSS).

2. Qokelela amanqaku: I-Infonavit isebenzisa inkqubo yamanqaku ukumisela ukuba unelungelo lokurhoxisa imali yakho. Ukuze ukwazi ukuyirhoxisa, kufuneka ube uqokelele ubuncinane amanqaku angama-75 kwiNgxowa-mali yeZindlu. Le nkqubo ithathela ingqalelo izinto ezifana nomvuzo wakho, ixesha legalelo kunye neminyaka.

3. Yiba nolwazi malunga neentlawulo zekhredithi: Ukuba unemali mboleko yendlu enikezelwa yi-Infonavit, kubalulekile ukuba unolwazi malunga neentlawulo ezihambelanayo. Awunakukwazi ukuyitsala imali yakho ukuba unamatyala ungekahlawulwa, kuba imali eyongeziweyo yenzelwe ukuhlawula ityala lakho.

2. Inkqubo yokufumana ukurhoxiswa kwemali yam kwi-Infonavit

Unokuba lula ukuba ulandela ezinye amanyathelo aphambili.⁤ Okokuqala, ibalulekile qinisekisa ukuba uyahlangabezana⁤ neemfuno ezifunekayo ukuze urhoxe. Unokujongana newebhusayithi ye-Infonavit okanye ufowunele umnxeba wabo ukuze ufumane ulwazi oluchanekileyo malunga neendlela zokufaneleka.

Nje ukuba uqinisekise ukufaneleka kwakho, kufuneka wenzeyazisa isicelo sokurhoxisa ngokusesikweni. Ukwenza oku, kufuneka ugcwalise ifom ehambelanayo kwaye uqhoboshele amaxwebhu afunekayo, afana nesazisi sakho esisemthethweni, isitatimenti se-akhawunti ye-akhawunti yakho encinci yendlu kunye nawo nawaphi na amanye amaxwebhu ayimfuneko. Kubalulekile ukuqinisekisa uphononongo ngononophelo lonke ulwazi olunikiweyo ukuthintela ukulibaziseka kwinkqubo.

Emva kokungenisa isicelo sakho, i-Infonavit iya kwenza a uhlalutyo kunye nophononongo lwamaxwebhu anikiweyo. ⁢Oku kungathatha ⁢ixesha elithile, ngoko ke kubalulekile ukuba nomonde. Nje ukuba uphononongo lugqityiwe, i-Infonavit iya kukwazisa ngesigqibo esenziweyo kwaye, ukuba sivunyiwe, imali yakho iya kudluliselwa i-akhawunti yebhanki ukuba ucacise.

Khumbula ukuba imeko nganye inokwahluka kwaye kubalulekile ukulandela imiyalelo echanekileyo enikezwe yi-Infonavit. Gcina irekhodi elicwangcisiweyo lonke unxibelelwano lwakho kunye namaxwebhu anxulumene nenkqubo yokuhoxiswa kwemali ye-Infonavit, njengoko oku kuya kukunceda ugcine ukulandelwa okusebenzayo kwaye uqinisekise ukuba isicelo siqhutywe ngokufanelekileyo.

3. Amaxwebhu ayimfuneko ukurhoxisa imali kwi-Infonavit

Ngokuba ukurhoxisa imali kwi-Infonavit, kubalulekile ukuba namaxwebhu afunekayo. La maxwebhu ayimfuneko ukuze kuqinisekiswe ukuba inkqubo yokurhoxiswa iqhutywa ngokusemthethweni nangokufanelekileyo. Ngezantsi, sinikezela ngoluhlu lwamaxwebhu ekufuneka ube nawo ukuze ucele imali yakho:

• Ukuchonga okusemthethweni: Kuya kufuneka ube nesazisi esisemthethweni esisemthethweni, esifana nesiqinisekiso sakho se-INE okanye ipasipoti yakho. Olu xwebhu luyimfuneko ukuze kuqinisekiswe ubuwena.
• Ikhowudi yoBhaliso lwaBantu abaKhethekileyo (i-CURP): I-CURP yimfuneko ebalulekileyo yokwenza nayiphi na inkqubo phambi kwe-Infonavit. Qinisekisa ukuba unayo iCURP yakho ehlaziyiweyo esandleni.
• Ingxelo ye-akhawunti yebhanki: I-Infonavit iya kufaka imali yakho yokurhoxisa ngqo kwiakhawunti yakho yebhanki. Ngoko ke, kuyimfuneko⁢ukubonelela ngengxelo yebhanki⁢ equka igama lakho elipheleleyo kunye nenombolo yeakhawunti.
• Isicelo sokurhoxisa: Kuya kufuneka ugcwalise kwaye ungenise isicelo sokurhoxisa imali kwi-Infonavit. Ungayifumana le fomu kwiiofisi ze-Infonavit okanye uyikhuphele kwiwebhusayithi yabo.

Khumbula ukuba kubalulekile ukugcina engqondweni ukuba i amaxwebhu ayimfuneko okurhoxiswa kweemali ze-Infonavit Zisenokwahluka ngokuxhomekeke kwimeko yakho ethile. Ke ngoko, sicebisa ukuba ujonge uluhlu oluhlaziyiweyo lwamaxwebhu kwiwebhusayithi esemthethweni ye-Infonavit okanye uqhagamshelane nenkonzo yabathengi ngokuthe ngqo ukuze ufumane ulwazi oluchanekileyo noluhlaziyiweyo kwiimfuno.

4. Iinketho ⁢ezikhoyo⁤ zokufumana imali kwi-Infonavit

Kukho ezahlukeneyo wakuba ufezekise zonke iimfuno ezimiselweyo. Ezi zikhetho zikunika ukuguquguquka kokukhetha indlela ehambelana neemfuno zakho zemali. Nazi ezinye zeendlela eziqhelekileyo:

– Idiphozithi yebhanki: Le yenye yezona ndlela zilula kwaye zikhawulezayo zokufumana imali yakho kwi-Infonavit. Nika ngokulula iinkcukacha zeakhawunti yakho yebhanki kwaye imali iya kufakwa ngqo kwiakhawunti yakho. Oku kukuvumela ukuba ufikelele ngokukhawuleza kwiimali kwaye uyisebenzise njengoko kufuneka.

– Ikhadi ekufakwa imali:⁢ I-Infonavit ikwabonelela ngokhetho lokufumana imali ngekhadi lebhanki, onokulisebenzisa ukwenza ukuthenga kumaziko okanye ukutsala imali kwii-ATM. Olu khetho luluncedo ngakumbi ukuba ukhetha ukuba nofikelelo olukhawulezileyo kwiimali zakho kwaye awufuni kuxhomekeka iakhawunti yebhanki.

– Udluliselo lwe-elektroniki: Ukuba uneeakhawunti kumaziko emali awohlukeneyo,⁢ ungakhetha ukufumana imali kwi-Infonavit ngodluliselo lombane. Oku kukuvumela ukuba uhambise imali⁤ kwiakhawunti yebhanki oyikhethileyo, enokuba luncedo ukuba ufuna ukuhlanganisa ⁤imithombo yakho kwinto enye akhawunti okanye ube nolawulo olukhulu kwiimali zakho.

5.⁤ Iingcebiso zokwandisa ukurhoxiswa kweemali ze-Infonavit

1. Jonga ⁤ibhalansi yakho⁢ kunye nemo yeakhawunti: Phambi kokuba uqalise nayiphi na inkqubo yokurhoxiswa kwengxowa-mali ye-Infonavit, kubaluleke kakhulu ukuba uqinisekise ibhalansi yakho ekhoyo kwaye ujonge ingxelo yeakhawunti yakho ngokweenkcukacha. Unokwenza oku ngewebhusayithi esemthethweni ye-Infonavit okanye ngokufowunela umgca wenkonzo yabathengi. Olu qinisekiso luya kukuvumela ukuba wazi isixa kanye onokuthi usirhoxise kwaye uqinisekise ukuba zonke iintlawulo zakho zetyala zirekhodwa ngokuchanekileyo.

2. Funda malunga neendlela zokurhoxisa ezikhoyo: I-Infonavit ibonelela ngeendlela ezahlukeneyo zokurhoxisa imali, nganye ineemfuno ezahlukeneyo kunye neenzuzo. Ezinye zezona ndlela zixhaphakileyo kukuthatha umhlalaphantsi ongaphangeliyo, umhlala-phantsi emtshatweni, okanye umhlala-phantsi. Kubalulekile ukuba uzazise ngokweenkcukacha malunga nokhetho ngalunye kwaye uvavanye ukuba yeyiphi eyona ifanele imeko yakho yobuqu. ⁤Khumbula ukuba ukhetho ngalunye luneemfuno zalo kunye⁢ namaxwebhu ayimfuneko, ngoko ke kufuneka uqinisekise ukuba uthobela zonke iinkqubo ezihambelanayo.

3. Cela ukurhoxiswa kwemali ngokuchanekileyo: Nje ukuba ukhethe ukhetho lokurhoxisa olukufaneleyo, lixesha lokuba uqale inkqubo yesicelo. Ukwenza oku, kufuneka ubonise amaxwebhu ayimfuneko kwifestile ye-Infonavit okanye kwiwebhusayithi yayo. Qinisekisa ukuba uzizalisa zonke iifom ezifunekayo kwaye uqhoboshele amaxwebhu aceliweyo, afana nesazisi esisemthethweni, ubungqina bentlawulo kunye/okanye. izatifikethi zokuzalwa, kuxhomekeke kukhetho lokurhoxa olikhethayo. Kukwabalulekile ukuba ube nenombolo yakho yetyala kunye nalo naluphi na ulwazi olunxulumeneyo olusesandleni.

6. Ukuqwalaselwa kwezomthetho kunye nerhafu xa kuhoxiswa iimali ze-Infonavit

Xa usenza isigqibo indlela yokufumana imali yakho kwi-Infonavit, kubalulekile ukuba kuthathelwe ingqalelo imiba yezomthetho neyerhafu enokuthi ichaphazele⁣ le nkqubo. Phambi kokwenza naluphi na urhoxiso, kubalulekile ⁤ ukwazi iimfuno⁤ kwaye uthobele ⁢nezibophelelo ezisekwe ngumthetho.

Okokuqala, kubalulekile ukukhumbula ukuba I-Infonavit inezithintelo ezithile ezisemthethweni malunga nokurhoxiswa kwemali. Ezi zixhobo zenzelwe ukuthengwa kwendlu okanye ukuhlawula imali ekhoyo. Ngoko ke, ukuba uceba ukusebenzisa imali enye injongo, kufuneka wenze uphando lwakho kwaye uqonde ngokupheleleyo okukhethwa kukho kunye nemida yomthetho esebenzayo ekurhoxisweni.

Ngokunjalo, kubalulekile ukuqwalasela iziphumo zerhafu xa kutsalwa imali kwi-Infonavit.⁤ Kuxhomekeke kwisixa kunye nendawo ekusingwa kuyo imali leyo, iindlela ezahlukeneyo zonyango zerhafu zinokusebenza, njengokuhlawulwa kwerhafu okanye isibophelelo sokuxela ukutsalwa kwemali kwimbuyekezo yakho yonyaka. Ukuqinisekisa ukuba uthobela izibophelelo zakho zerhafu, kuyacetyiswa ukuba ufune iingcebiso zengcali ukuze zikunike ulwazi oluyimfuneko kwaye zikukhokele kule nkqubo.

7. Iindlela ezizezinye emazithathelwe ingqalelo phambi kokuba nditsale imali yam kwi-Infonavit

Ukuba ucinga indlela yokufumana imali yakho kwi-Infonavit, kubalulekile ukuba uphonononge zonke ezinye iindlela ngaphambi kokuba wenze isigqibo. Nazi ezinye iinketho onokuziqwalasela:

Hlola iinketho zakho zekhredithi⁢: Phambi kokuba utsale imali yakho kwi-Infonavit, kuyacetyiswa ukuba uphonononge ngononophelo ukhetho lwakho lwetyala. Unokufumana imali-mboleko yobuqu okanye yemali-mboleko enenzala ephantsi kunokutsala imali kwiakhawunti yakho ye-Infonavit. Vavanya umlinganiselo wenzala, imigaqo kunye neemeko⁣yenketho nganye ukuze uqinisekise ukuba wenza esona sigqibo sezemali.

Phonononga iinkqubo ⁤ zoncedo lukarhulumente: Phambi kokuba utsale imali yakho kwi-Infonavit, phanda ukuba ikhona na inkqubo yoncedo lwemali karhulumente enokubonelela ngenkxaso oyifunayo. Ezinye iinkqubo zikarhulumente zibonelela ngenkxaso yezindlu okanye iimali-mboleko ezikhethekileyo ezinokuba yeyona ndlela ilula yokutsala imali yakho kwi-Infonavit. Phanda kwaye ubonisane neengcali ngalo mbandela ukuze ufunde malunga neendlela ezikhoyo.

Qhagamshelana nomcebisi wezezimali: Ngaphambi kokuba wenze nasiphi na isigqibo esikhulu sezemali, kuyacetyiswa ukuba ufune inkxaso yomcebisi wezezimali. Umcebisi wezezimali uya kuba nakho ukukunceda wenze isigqibo esinolwazi malunga nendlela yokufumana imali yakho kwi-Infonavit kwaye uqinisekise ukuba Yeyona ilungileyo ukhetho olulungele wena.