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How much do I get a discount from Infonavit if I earn 1500

If you earn 1,500 pesos and have an Infonavit credit, it is important to know how much they discount you. The exact amount will depend on several factors, such as your salary, the interest rate and the term of the loan.

How much do I get a discount from Infonavit if I earn 1200?

If your monthly salary is 12,000, your company will deduct up to 30% of your salary to pay your Infonavit credit. This means that they will deduct approximately 3600 per month. If you receive your salary per fortnight, they will deduct 1800 each fortnight. If you charge weekly, they will deduct 900 each week. The exact amount will be informed by Infonavit once your credit is authorized.

What happens if I have not paid Infonavit for 2 years?

When a beneficiary receives the payment award to Infonavit, they have the opportunity to free themselves from the debt they acquired. However, it is important to note that by doing so, he will lose all the money he has invested during the time the loan was active.

In addition to losing the money invested, the savings in the subaccount will also be lost, as well as the money allocated to payments for services, property and any other expense related to the acquisition of the property.

This option is recommended to beneficiaries when they can no longer continue paying their loan.

How to get the 50 discount at Infonavit?

Infonavit has explained how the Early Settlement process works. To be considered eligible for this procedure, the institute will review your credit balance on the first day of each month. Those whose balance is equal to or less than 25% of the original balance will be able to access the program and the amount to be settled will be calculated with the corresponding discount.

To take advantage of Early Settlement and obtain a discount of up to 50%, candidates must settle the remaining amount in a single payment, that is, in a single payment or in several payments within the same month and on business days. If they meet this requirement, the rest of the balance will be forgiven and they will be able to pay off their mortgage loan at 100%.

What are the types of Infonavit discounts?

There are three types of INFONAVIT discounts for the payment of credits: by fixed fee, by percentage and by Times the VSM Minimum Wage. When requesting a loan from Infonavit, a part of it is paid with the money you have saved in your housing fund, which is formed with your contributions and those of your employer during your work time. The remaining balance of the credit is covered by discounts applied to your salary from the moment the credit is granted. Next, we will explain how each of these discounts works and the differences that exist for real estate financing. If you are looking for the best credit to buy a house, we offer you an easy, fast and free way to find it.

What happens if I have not paid Infonavit for 4 years?

Not paying Infonavit for 10 years can have serious consequences for the worker. Firstly, the mortgage loan obtained will be suspended and interest and moratoriums will be generated on the outstanding balance. In addition, the worker will lose benefits such as the possibility of purchasing a new or used home, obtaining a refund of contributions or accessing a financing scheme to improve the current home.

It is important to keep in mind that the debt does not prescribe, so the worker will remain responsible for payment even after many years. If he decides to start paying after a while, he will have to deal with a significant amount of late payments.

It is important to highlight that Infonavit has the power to seize the worker’s assets in the event of non-payment, which will make the situation even worse.

In conclusion, it is extremely important to assume responsibility for Infonavit payments to avoid long-term financial problems.

How can I get less discount from Infonavit?

To request this benefit granted by the institution, you must meet the following requirements:

– Have an outstanding balance on the credit for a figure less than or equal to 25% of the original balance on the first of each month.
– Have the ability to pay to finish covering the debt in a certain time.
– Be a beneficiary of Infonavit.
– That the credit is not Infonavit Total, Infonavit Total AG, Mejoravit, Arrendavit, Tu Casa es Posible, Segundo Crédito, Complir, Trust Account, ConstruYo, Crediterreno, credits benefited from the Shared Responsibility program restructured before May 2022 and credits that are not 100% exercised.
– In the case of co-financed loans, the discount will only apply to the balance of the credit granted by Infonavit.

If you manage to meet these conditions, Infonavit could give you up to 50% discount on the current balance of your credit. Additionally, if you cover the remaining balance of your Infonavit credit ahead of time, you can also get a 50% discount.

How is the Infonavit payment calculated?

The discount percentage applicable to the base contribution salary (SBC) varies depending on the worker’s salary. The higher the SBC, the greater the discount. The formula to calculate the discount is: SBC x Percentage to be discounted x Days quoted in the two-month period. In addition, it should be taken into account that home damage insurance is always 15%. For example, if an employee’s SBC is 10452 and he was assigned a percentage of 15%, and he contributed 61 days of the two-month period, the bimonthly deduction would be 971358 pesos.

Another option is to obtain a fixed monthly fee and charge based on that figure. The calculation is carried out by multiplying the fixed fee by 2, and then by the days of the two-month period and the days quoted in the two-month period. Home damage insurance should also be considered. For example, if an employee has a fixed monthly contribution of 641 pesos, and contributed only 59 days of the 61 of the two-month period, the bimonthly deduction would be 125,496 pesos.

Finally, there is the option of the fixed fee in times the Unit of Measurement and Update (UMA). This fee has a value less than the minimum wage and is calculated by multiplying the number of times the UMA by 2, and then by the days of the two-month period and the days quoted in the two-month period. Home damage insurance should also be considered. For example, if an employee has a contribution calculated at 6345 times the UMA, which is 8688, and contributed 60 days out of the 61 of the two-month period, the bimonthly deduction would be 8688 pesos.

Conclude

It cannot be determined how much Infonavit is discounted if you earn 1200 without more information. To obtain a smaller discount at Infonavit, you can make advance payments or request a debt restructuring. To obtain the 50% discount at Infonavit, you can apply to the Shared Responsibility program. Infonavit’s payment is calculated based on the worker’s salary and the amount of the credit. Infonavit’s discount types include payroll discounts, early payment discounts, and debt restructuring discounts. If you have not paid Infonavit for 4 years, interest and surcharges may be generated, and you may lose the right to use the credit. If you have not paid Infonavit for 2 years, interest and surcharges may be generated, and you may lose the right to use the credit.

Source link

https://www.casasenpachuca.com.mx/credito-infonavit/cuanto-me-presta-el-infonavit-si-gano-12000-mensuales.html

https://www.elfinanciero.com.mx/mis-finanzas/2023/01/29/credito-infonavit-como-usar-la-liquidacion-anticipada-a-tu-favor-y-obtener-un-descuento- from-50/

https://www.heraldobinario.com.mx/tendencias/2023/2/9/infonavit-2023-como-solicitar-el-descuento-de-hasta-50-por-liquidacion-anticipada-requisitos-32924.html

Como Calcular El Impuesto De Infonavit?

https://www.mejortasa.com.mx/tipos-de-descuentos-del-infonavit-diferences-y-when-se-usan/

https://www.jobatus.mx/noticias/que-pasa-si-tengo-10-anos-sin-pagar-infonavit

https://www.elfinanciero.com.mx/mis-finanzas/2023/03/12/credito-infonavit-2023-que-pasa-si-no-puedo- seguir-pagandolo/

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