Ngingawahlola kanjani amaphuzu ami e-Infonavit?

NjengesiCzech Amaphuzu ami e-Infonavit

I-Institute of the National Housing Fund for Workers (Infonavit) iyisikhungo saseMexico esiphethe ukuphatha izinsiza ezihloselwe ukunikeza abasebenzi imali ebolekiwe yezindlu. Uma ungomunye wabahlomuli balolu hlelo, kubalulekile ukuthi wazi ukuthi ungawabheka kanjani amaphuzu akho e-Infonavit. Ngohlelo lwe-inthanethi lwe-Infonavit, ungafinyelela lolu lwazi ngokushesha futhi kalula. Okulandelayo, sizochaza izinyathelo okufanele uzilandele ukuze uhlole amaphuzu akho.

Ukufinyelela ohlelweni lwe-inthanethi lwe-Infonavit

Ukuze uhlole yakho puntos de Infonavit, kufanele ufake isistimu ye-inthanethi yesikhungo. Lolu hlelo lufinyeleleka ngewebhusayithi esemthethweni ye-Infonavit. Ikheli lewebhu lithi www.infonavit.gob.mx. Uma ufaka ikhasi, bheka isigaba esithi "Akhawunti Yami", lapho uzothola khona inketho "ye-Infonavit Points". Chofoza le nketho ukuze ufinyelele isistimu yokubonisana.

Ukubhalisa ohlelweni

Uma ungakabi nayo i-akhawunti ohlelweni lwe-inthanethi lwe-Infonavit, uzodinga ukubhalisa. Ukuze wenze lokhu, chofoza inketho ethi "Ngibhalise" ozoyithola ekhasini lasekhaya lesistimu Uzoqondiswa kabusha efasiteleni elisha lapho kufanele "unikeze inombolo yakho" Ukuphepha komphakathi kanye nolunye ulwazi lomuntu siqu. Uma ukubhaliswa sekuqediwe, uzothola i-imeyili enemininingwane yokufinyelela ku-akhawunti yakho.

Hlola amaphuzu akho e-Infonavit

Uma usungene ohlelweni nge idatha yakho ukufinyelela, ungabheka amaphuzu akho e-Infonavit. Esigabeni esithi “Infonavit Points”, ⁤uzothola isifinyezo somlando wamaphoyinti akho anqwabelene.⁤ Uzokwazi ukuqinisekisa ⁣inani lamaphuzu owaqoqile kuze kube manje futhi ubone ukuthi asetshenziswe kanjani. Ukwengeza, uzokwazi nokufinyelela ekuchazeni okuningiliziwe komlando wamaphuzu akho, okuhlanganisa izikhathi lapho ukhiqize khona amaphuzu, kanye nolwazi olumayelana namakhredithi owasebenzisile.

Ngokwazi ukuthi ungabheka kanjani amaphuzu akho e-Infonavit ungaqaphela izinzuzo oziqongelele ngalolu hlelo. Khumbula lokho Amaphuzu we-Infonavit “Zingasetshenziswa” ukuze uthole i-home loan, ngakho-ke kubalulekile ukuthi uziqaphe njalo. Landela lezi zinyathelo ezishiwo ngenhla futhi ugcine imininingwane yakho ibuyekezwa ngohlelo lwe-inthanethi lwe-Infonavit.

1. Imiyalo yokufinyelela inkundla ye-Infonavit

Ukuze ufinyelele ipulatifomu ye-Infonavit futhi uhlole amaphuzu akho, kuyadingeka ukulandela uchungechunge lwemiyalo elula kodwa ebalulekile. Okokuqala, kufanele ufake iwebhusayithi esemthethweni ye-Infonavit ⁢ngesiphequluli ⁤ sakho osithandayo. Uma usekhasini elikhulu, bheka ingxenye ethi “My Infonavit Account” bese uchofoza kuyo ukuze ufinyelele indawo yokungena.

Uma ususendaweni yokungena ngemvume, uzodinga ukufaka inombolo yakho yokuphepha komphakathi kanye nephasiwedi. Uma lesi kuyisikhathi sakho sokuqala usebenzisa ipulatifomu, kungenzeka ukuthi awukabi nayo iphasiwedi enikeziwe Kuleso simo, kufanele ukhethe inketho ethi "Dala iphasiwedi" bese ulandela izinyathelo ezikhonjiswe uhlelo. Khumbula⁤ ukuthi iphasiwedi yakho kumele ivikeleke futhi ikhumbuleke kalula, ugweme ukusebenzisa ulwazi lomuntu siqu olufana nelakho usuku lokuzalwa noma igama lezihlobo zakho.

Ngemva kokufaka imininingwane yakho yokungena, uzoqondiswa kabusha kuphrofayela yakho yomuntu siqu ku-platform ye-Infonavit. Lapha uzothola izigaba namathuluzi ahlukahlukene azokuvumela ukuthi uhlole amaphuzu akho, ucele isikweletu, uphathe i-akhawunti yakho nokuningi. Ukuze uhlole amaphuzu akho e-Infonavit, bheka inketho ethi “Hlola Amaphuzu” noma “Isimo Se-akhawunti”. Ngokukhetha le nketho, kuzovuleka iwindi elisha nesikolo sakho samanje, esibalwa ngokusekelwe ezicini ezihlukahlukene ezifana neminyaka yakho yomnikelo, iholo lakho, phakathi kokunye.

2. Uyibhalisa kanjani i-akhawunti kuphothali ye-Infonavit

1. Izidingo zokubhalisa i-akhawunti kuphothali ye-Infonavit

Ngaphambi kokuqala inqubo yokubhalisa kuphothali ye-Infonavit, kubalulekile ukuthobela izidingo ezimisiwe ukuze uqinisekise ukudalwa okulungile kwe-akhawunti yakho. Okokuqala nje, kufanele ube ozuzayo ku-Infonavit, okusho ukuba ⁢isisebenzi⁤ ebudlelwaneni bokuncika futhi⁣ nokuba ⁢Nombolo Yokuvikeleka Komphakathi⁢ (NSS) evumelekile. Ngaphezu kwalokho, uzodinga⁤ ukuba nekheli le-imeyili lamanje, njengoba lizosetshenziselwa ukuqinisekisa nokwenza i-akhawunti yakho isebenze kuphothali.

Ukuze uqedele ukubhalisa, kufanele ufake iwebhusayithi ye-Infonavit esemthethweni bese ukhetha inketho ethi "Registration", ezokuqondisa ngezinyathelo ezidingekayo. Enye idatha edingekayo phakathi nale nqubo ihlanganisa igama lakho eliphelele, i-CURP, usuku lokuzalwa, inombolo yocingo kanye nephasiwedi evikelekile Uma yonke idatha isifakiwe nezinqubomgomo zobumfihlo zamukelwe, kufanele uqinisekise i-imeyili yakho usebenzisa isixhumanisi. ithunyelwe kubhokisi lakho lokungenayo. Ngalokhu, ⁢i-akhawunti yakho kuphothali ye-Infonavit izoba ⁢isebenze ngokuphelele​ futhi ⁤uzokwazi ukufinyelela zonke izinsiza ezitholakalayo nezinzuzo.

2. Imisebenzi etholakala kuphothali ye-Infonavit

Uma usubhalise ngempumelelo i-akhawunti yakho kuphothali ye-Infonavit, uzokwazi ukufinyelela inhlobonhlobo yemisebenzi nezinsizakalo eziklanyelwe ukukunikeza lula nekhono ebudlelwaneni bakho ne-Infonavit. Eminye yemisebenzi eyinhloko etholakalayo ihlanganisa ukubonisana nesitatimende se-akhawunti yakho, lapho ungabheka khona ibhalansi yakho yesikweletu, umlando wezinkokhelo ezenziwe kanye nenani elikweletwayo. Ngaphezu kwalokho, ungakwazi ukukhokha kanye nezincazelo ku-inthanethi, ngaphandle kokuthi uye mathupha emahhovisi e-Infonavit.

Omunye umsebenzi ophawulekayo wengosi ithuba⁤ lokucela kanye nokulingisa amakhredithi, okuzokuvumela ukuthi uhlole izinketho ezahlukene zezimali ezihlinzekwa yi-Infonavit. Ngaphezu kwalokho, uzokwazi ukubuyekeza futhi uguqule idatha yakho yomuntu siqu kalula nangokushesha, futhi uthole izaziso futhi uxhumane ngokuqondile⁢ ne-Infonavit⁢ ngesigaba semilayezo. Ingosi ye-Infonavit iyithuluzi eliyisisekelo lokuphatha nokusebenzisa ngokugcwele izinzuzo ezinikezwa yilesi sikhungo, sinikeze ukufinyelela okuphephile nokuphumelelayo kuzo zonke izinsiza zaso.

3. Izincomo zokubhaliswa kuphothali ye-Infonavit⁢

Ukuze uqinisekise ukubhaliswa okuphumelelayo futhi ugweme izithiyo, kunconywa ukuthi ulandele izincomo ezithile ngesikhathi sokubhalisa ku-portal ye-Infonavit. Okokuqala, qiniseka ukuthi unokuxhumana okuhle kwe-inthanethi futhi usebenzise idivayisi evikelekile ukuze wenze inqubo. Ngaphezu kwalokho, kubalulekile ⁢ukunikeza ngedatha ebuyekeziwe neyiqiniso, njengoba noma yikuphi ⁢ukuhlukana kungase ⁢kuthinte ukudalwa okulungile nokusebenza kwe-akhawunti yakho.

Esinye isincomo esibalulekile ukulondoloza ulwazi lwakho lokungena⁤ ngokuphephile, ukugwema ukwabelana ngayo nezinkampani zangaphandle nokusebenzisa amagama ayimfihlo aqinile ahlanganisa osonhlamvukazi nabancane, izinombolo nezinhlamvu ezikhethekile. Ngale ndlela, uzoqinisekisa ubumfihlo nokuvikeleka kwedatha yakho yomuntu siqu ku-portal ye-Infonavit.

3. Izinyathelo zokubheka amaphuzu akho e-Infonavit ku-inthanethi

1. Finyelela kuwebhusayithi esemthethweni ye-Infonavit

Ukuze uhlole amaphuzu akho e-Infonavit ku-inthanethi, kuyadingeka ukuthi ufinyelele iwebhusayithi esemthethweni ye-Infonavit. Ungakwenza usebenzisa noma iyiphi idivayisi nge Ukufinyelela i-inthanethi, njengekhompuyutha yakho, ithebhulethi noma⁤ umakhalekhukhwini. Uma usekhasini eliyinhloko lesayithi, bheka inketho ethi "My Infonavit Account". bese uchofoza kukho.

2. Ngena ngemvume nge-akhawunti yakho ye-Infonavit

Uma usungaphakathi kwesigaba esithi “My Infonavit Account”,⁢ kufanele Ngena ngemvume nge-akhawunti yakho ye-Infonavit. Uma ungenayo i-akhawunti, ungakwazi dala⁢ eyodwa kalula ngokulandela izinyathelo ezikhonjiswe ekhasini. Uma usunayo i-akhawunti, vele ungene ngemvume umsebenzisi y iphasiwedi ‍⁢ ukufinyelela⁤ iphrofayela yakho.

3. Hlola amaphuzu akho e-Infonavit

Ngemva kokungena ngemvume, uzoqondiswa kabusha kuphrofayela yakho ye-Infonavit. Kulesi sigaba bheka inketho "Hlola amaphuzu". Ngokuchofoza le nketho, kuzovezwa isifinyezo samaphuzu akho e-Infonavit, okuhlanganisa imininingwane enemininingwane mayelana neminikelo yakho, amakhredithi, nebhalansi etholakalayo. Ungasebenzisa lolu lwazi ukuze hlola isimo sakho sesikweletu futhi⁢ nokwenza izinqumo zezezimali ezinolwazi.

Khumbula ukuthi kubalulekile gcina imininingwane yakho isesikhathini ukuze uqinisekise ukuthi amaphuzu akho e-Infonavit abonisa kahle iminikelo yakho nezinzuzo ezinqwabelene. Ngaphezu kwalokho, ukuhlola amaphuzu akho e-Infonavit ku-inthanethi kukunikeza ukufinyelela okusheshayo nokulula ukuze uthole ulwazi olufanele mayelana ne-akhawunti yakho, ngaphandle kwesidingo sokuvakashela igatsha eliphathekayo. Landela⁤ lezi zinyathelo futhi⁤ uhlale ⁢unolwazi mayelana nezinzuzo zakho nezinketho zekhredithi nge-Infonavit.

4. Ungaluchaza kanjani ulwazi mayelana namaphuzu akho e-Infonavit?

Ngaphambi kokuqala, kufanele wazi ukuthi ukuhunyushwa kwamaphuzu akho e-Infonavit Kubalulekile ⁤ekwenzeni izinqumo ezibalulekile zezezimali. Kubalulekile ukwazi ukuthi ubala kanjani futhi uqonde amaphuzu akho ngendlela efanele. Lapha sizokukhombisa ezintathu izinyathelo ezibalulekile Ukuze wenze lokhu:

1. Faka ikhasi le-Infonavit: Finyelela kuwebhusayithi esemthethweni ye-Infonavit bese uya engxenyeni ethi “I-akhawunti Yami”. Ngena ngemvume ngenombolo yakho yezokuphepha komphakathi kanye nephasiwedi. Uma ungenayo i-akhawunti, uzodinga ukudala eyodwa. Uma usungenile, zulazula uze uthole inketho ebonisa amaphuzu akho noma amaphuzu anqwabelene.
2. Qonda⁤ amaphuzu: ⁤Uma usuthole isigaba samaphuzu akho, uzokwazi ukubona izigaba ezihlukene ezithonya⁢ isikolo sakho sokugcina. Ezinye zalezi zigaba zingabandakanya umlando wesikweletu, ibhalansi yakho yesikweletu, izinkokhelo ezenziwe ngesikhathi, neminyaka. Zijwayeze ngamunye wabo ukuze uqonde ukuthi amaphuzu akho abalwa kanjani nokuthi ungawathuthukisa kanjani.
3. Thola iseluleko: Uma ukuhunyushwa kwamaphuzu akho e-Infonavit kusadida, ungangabazi ukufuna iseluleko sochwepheshe. I-Infonavit inochwepheshe abangakusiza uqonde amaphuzu akho ngokuningiliziwe futhi ikunikeze iseluleko esiqondene nawe ukuze uthuthukise isimo sakho sekhredithi. Bazokwazi ukucacisa noma yimiphi imibuzo noma ukukhathazeka okungase kuphakame phakathi nenqubo.

Khumbula lokho qonda imininingwane ngamaphoyinti akho e-Infonavit Kubalulekile ukwenza izinqumo ezifanele zezimali. Ukulandela lawa macebiso, uzokwazi ukuchaza kahle amaphuzu akho futhi uthole ukuqonda okungcono kwesimo sakho sekhredithi. Ungangabazi ukusebenzisa ngokugcwele leli thuluzi futhi ulisebenzise ukuze uzuze ukufeza imigomo namaphupho akho!

5.⁤ Izincomo zokwandisa amaphuzu akho e-Infonavit

Ngoba khulisa amaphuzu akho e-Infonavit Ukuze uthole imali ebolekiwe yezindlu nezinzuzo ezingcono, kubalulekile ukulandela izincomo ezithile. Okokuqala, hlola njalo isimo se-akhawunti yakho kuwebhusayithi esemthethweni ye-Infonavit. Ngale ndlela uzokwazi ukwazi amaphuzu akho anqwabelene, kanye nanoma imaphi amaphutha noma ukungahambisani okungase kuthinte isikolo sakho. Ngaphandle kwalokho, ukuxhumana nge-Infonavit ngokusebenzisa iziteshi zayo zesevisi yamakhasimende ukuxazulula noma yimiphi imibuzo noma ukungezwani.

Esinye isincomo se khulisa amaphuzu akho e-Infonavit⁢ es enze iminikelo yokuzithandela. Le minikelo ikuvumela ukuthi ukhuphule i-akhawunti yakho ngayinye ngakho-ke, wandise amaphuzu akho. Ungenza iminikelo engavamile uma uthola ithuba, njengalapho uthola inzuzo eyengeziwe yezezimali, noma njalo ngohlelo Lokonga Lokuzithandela Lwe-Infonavit. Khumbula ukuthi ⁢yonke iminikelo ⁢inamandla okukhulisa isikolo sakho kanye nezinzuzo zakho zesikhathi esizayo.

Ngaphezu kwalokho, kubalulekile ukuthi andisa ulwazi lwakho mayelana nezikimu nezinhlelo ezahlukene ezihlinzekwa yi-Infonavit. Ukwazi izinketho zekhredithi kanye nezinzuzo ongafinyelela kuzo kuzokuvumela ukuthi wenze izinqumo ezinolwazi futhi usebenzise amaphuzu akho ngokugcwele. Ngaphandle kwalokho, sebenzisa isikweletu sakho ngokuzibophezela. Gwema isikweletu eseqile futhi uqiniseke ukuthi wenza izinkokhelo ngesikhathi ukuze ugcine umlando omuhle wesikweletu ophinde ube nomthelela kumaphoyinti akho e-Infonavit.

6. Izinzuzo zokuba nesikolo esiphezulu se-Infonavit

Isikolo se-Infonavit siyisici esibalulekile ohlelweni lokuthola imali mboleko yezindlu eMexico. Ukuba namaphuzu aphezulu kungakunikeza izinzuzo ezahlukahlukene kanye namathuba ezezimali. Kulesi sihloko, sizokuchazela ukuthi yiziphi izinzuzo zokuba namaphuzu aphezulu ku-Infonavit nokuthi ungawathuthukisa kanjani.

Enye yezinzuzo eziyinhloko Inzuzo yokuba nemiphumela ephezulu ye-Infonavit ukuthi uzokwazi ukufinyelela emathubeni angcono esikweletu kanye namazinga enzalo avumayo. Ngamaphuzu aphezulu, amabhange nezinye izikhungo zezezimali zizokubona njengekhasimende elithembekile, elisengozini encane, okuzokuvumela ukuthi uthole izimo ezingcono kakhulu lapho ufaka isicelo semali mboleko yezindlu noma noma yiluphi olunye uhlobo lwemali mboleko.

Enye inzuzo ebalulekile Ukuba nemiphumela ephezulu ye-Infonavit kusho ukuthi uzoba nezinketho eziningi zokukhetha ikhaya elizifanela kangcono izidingo zakho. Ngokuthola amaphuzu aphezulu, uzokwazi ukufinyelela inani elikhulu lesikweletu, okukuvumela ukuthi ucabangele izinketho ezibanzi ngokuya ngenani, ubukhulu kanye nendawo. Lokhu kukunikeza ukuguquguquka okukhulu futhi kukusiza ukuthi uthole ikhaya lamaphupho akho.

7. Ukulungisa kanjani ukungezwani⁤ amaphuzu akho e-Infonavit

1. Hlola isimo se-akhawunti
Ukuze ulungise noma yikuphi ukungezwani kumaphoyinti akho e-Infonavit, into yokuqala okufanele uyenze ukuqinisekisa isimo se-akhawunti ye-akhawunti yakho ye-Infonavit. Ungakwenza ngewebhusayithi esemthethweni noma usebenzisa uhlelo lweselula lwe-Infonavit. Faka imininingwane yakho yomsebenzisi futhi ubuyekeze ngokucophelela ulwazi olunikezwe⁤ esitatimendeni se-akhawunti. Qiniseka ukuthi ulwazi lwakho lomuntu siqu kanye nomsebenzi lilungile, kanye nebhalansi eqoqiwe yamaphoyinti akho. Uma uthola noma yikuphi ukushayisana kolwazi, Kubalulekile ukuthi ukubike ngokushesha kwa-Infonavit para iniciar el proceso de corrección.

2. Buyekeza i-SAR (Uhlelo Lokulondoloza Umhlalaphansi)
Enye indlela yokulungisa ukungezwani kumaphuzu akho e-Infonavit iwukubuyekeza i-akhawunti yakho ye-SAR (Retirement Savings System). I-Infonavit icabangela kokubili amaphuzu anqwabelene ku-Infonavit kanye neminikelo ku-SAR ukuze abale amaphuzu akho esewonke. Ngakho-ke, Kubalulekile ukuthi uqinisekise ukuthi iminikelo ku-SAR irekhodwa ngendlela efanele.. Uma uthola noma yikuphi ukushayisana kweminikelo noma uma ingarekhodwa, kufanele uxhumane nomphathi wesikhwama sakho sokulondoloza umhlalaphansi futhi ucele ukulungiswa okuhambisanayo.

3. Xhumana ne-Infonavit
Uma ngemva kokuqinisekisa isitatimende se-akhawunti yakho kanye nokubuyekeza i-SAR usathola ukungezwani kumaphuzu akho e-Infonavit, indlela yokugcina ukuxhumana ne-Infonavit ngokuqondile. Ungashayela ulayini wabo wesevisi yamakhasimende noma uthumele i-imeyili nayo yonke imininingwane yokuhluka. Kwezokuxhumana, kufanele unikeze inombolo yakho Ukuphepha komphakathi, igama eligcwele kanye nanoma yiluphi olunye⁤ ulwazi olungasiza ekuhlonzeni icala lakho. I-Infonavit izokunikeza imiyalelo edingekayo ukuze ulungise ukushayisana, noma ngabe kufanele ulethe imibhalo eyengeziwe noma uhambele i-aphoyintimenti kwelinye lamahhovisi ayo.

8. Ukubaluleka kokugcina ukuqapha njalo amaphuzu akho e-Infonavit

El ukuqapha njalo amaphuzu akho e-Infonavit Kubaluleke ⁤okubalulekile ukusebenzisa ngokugcwele izinzuzo lolu hlelo olunikeza abasebenzi. Ukugcina ukulawula okuphumelelayo kwamaphoyinti akho kuzokuvumela ukuba ucace mayelana nezinketho zakho zekhredithi futhi wazi inani eliqondile ongafinyelela kulo ukuze uthenge ikhaya.

Esinye sezizathu ezinkulu⁢ kungani kufanele uqaphele amaphuzu akho e-Infonavit Kuwukukwazi ukuhlola amathuba akho okuthola imali ebolekiwe yezindlu. Amaphuzu e-Infonavit anikezwa ngokusekelwe emnikelweni wakho weSikhwama Sezindlu kanye nezinkokhelo zemali mboleko yakho yangaphambilini ye-mortgage. Lawa maphuzu azonquma inani lekhredithi onelungelo layo, ngakho ukugcina ukuqapha njalo kuzokuvumela ukuthi wazi ukuthi ususondele ekuhlangabezaneni nezidingo ezidingekayo ukuze uthole isikweletu.

Ngaphezu kokuthola isikweletu, gcina ithrekhi eqhubekayo yamaphuzu akho e-Infonavit Kuzokusiza ukuthi ube nombono ocacile wezinketho zokuthuthukisa noma ukwandisa ikhaya lakho. Njengoba uqongelela amaphuzu, uyokwazi ukuhlola ukuthi kuyisikhathi esifanele yini sokuthuthukisa ikhaya lakho noma uma kungenzeka ukulinweba ukuze livumelane nezidingo ezikhulayo zomkhaya wakho. Ukwazi amaphuzu akho e-Infonavit kuzokunikeza isiqiniseko sokwenza izinqumo ezinolwazi futhi usebenzise ngokugcwele izinzuzo lolu hlelo oluzokunikeza zona.

9. ⁢Ungawasebenzisa kanjani amaphuzu akho e-Infonavit ukuze ⁤uzuze ikhaya?

Ukusebenzisa amaphuzu akho e-Infonavit ukuze uthenge ikhaya kuyinqubo elula nezuzisayo kubasebenzi baseMexico. I-Infonavit yisikhungo esihlinzeka ngemalimboleko yezindlu kubasebenzi abasebenzisana nabo, sisebenzisa amaphuzu abizwa ngokuthi “amaphoyinti e-Infonavit.” Lawa maphuzu anqwabelana ngokuhamba kwesikhathi futhi angasetshenziswa ukuthenga indlu noma ifulethi. Okulandelayo, sizochaza ukuthi ungawasebenzisa kanjani⁢amaphoyinti akho e-Infonavit ukuze uthenge ikhaya.

Isinyathelo sokuqala hlola amaphuzu akho e-Infonavit. Ungakwenza kusuka kuwebhusayithi esemthethweni ye-Infonavit, ngokufinyelela i-akhawunti yakho ngenombolo ye-akhawunti yakho. Ukuphepha komphakathi kanye nephasiwedi. Uma usungaphakathi kwe-akhawunti yakho, uzokwazi ukubona ukuthi mangaki amaphuzu owaqoqile. Lokhu kubalulekile ngoba inani lamaphuzu linquma inani eliphakeme lekhredithi yezindlu ongafinyelela kuzo.

Uma usuwazi inombolo yakho yamaphuzu, ungaqala ukufuna ikhaya ezifanelana nezidingo zakho kanye nesabelomali sakho. Ungasebenzisa amaphothali ezindlu ezithengiswayo aku-inthanethi noma uye esikhungweni sezezimali ukuze uthole iseluleko. Khumbula ukuthi inani eliphezulu lesikweletu ongakwazi ukulifinyelela lizoncika kweyakho puntos Infonavit, ngakho-ke kubalulekile ukucabangela lesi sici lapho ukhetha indawo.

10. Amasu okukhulisa ukusetshenziswa kwamaphoyinti akho e-Infonavit

Kunamasu ahlukahlukene ongakusebenzisa ukuze ukwandise ukusetshenziswa kwamaphuzu akho e-Infonavit futhi uthole izinzuzo ezinkulu kakhulu. Okokuqala, qiniseka ukuthi uyazi inani lamaphuzu onakho okutholakalayo. Ungahlola ibhalansi yakho ngengosi ye-Infonavit noma ngokushayela ulayini wabo wefoni. Uma usuwazi inombolo yakho yamaphuzu, ungaqala ukuhlela ukuthi ungawasebenzisa kanjani ngempumelelo kakhulu.

A isu eliwusizo ukusebenzisa amaphuzu akho ⁢ukunciphisa ibhalansi esele ⁤imalimboleko yakho ye-mortgage. Lokhu kuzokuvumela khokha inzalo encane kuyo yonke inkathi yesikweletu, nayo izokusiza eqela ngaphezulu isikhati eside. Ukwengeza, ungasebenzisa amaphuzu akho ukuze amotize credit yakho, okuzokuvumela ukuthi wehlise isikhathi sokukhokha ⁢futhi uqedele isikweletu sakho ngokushesha kunokulindelekile. Lokhu ngeke nje kukunikeze ukuthula kwengqondo okukhulu ngokwezimali, kodwa futhi kuzokongela imali yenzalo eyengeziwe.

Elinye isu elihlakaniphile liwukuthi tshala amaphuzu akho ekuthuthukisweni kwekhaya lakho. I-Infonavit inikeza izinketho eziningi zokuthuthukisa, njengokufaka ama-solar panel, ukwakha isengezo ekhaya lakho, noma ukuthenga izinto zikagesi ezonga amandla lokhu ngeke nje kwandise inani lempahla yakho, kodwa futhi kuzokongela imali ngokuhamba kwesikhathi isikhathi ngokunciphisa izindleko zakho zamandla. Khumbula ukuthi, ngokutshala amaphuzu akho ekuthuthukisweni kwekhaya lakho, uzobe uthuthukisa izinga lakho lempilo futhi uqinisekisa impahla eqinile yakho nomndeni wakho.