How to Improve Your Infonavit Points: Key Strategies
If, when you consult your Infonavit points, you notice that you still haven't reached the amount needed to obtain the credit you want, don't worry. There are several strategies you can apply to increase your score and speed up the process of accessing a mortgage.
Increase your Income or Improve your Job Situation
One of the key factors for accumulating more Infonavit points is your salary level. The higher your salary, the more points you will get. To achieve this, consider the following:
- Seek growth within your company: Opting for higher or better paid positions will boost your pay.
- Evaluate changing jobs: If your current job doesn't offer opportunities for improvement, exploring new options can be beneficial.
- Negotiate a salary increase: If you have a solid track record in your job, you could request a salary increase.
Maintain job stability
The length of time you have been working at your job also influences the accumulation of points. To improve your job stability, follow these recommendations:
- Avoid constant job changes: The frequency with which you change jobs can affect your score.
- Opt for long-term contracts: Jobs with permanent contracts guarantee stability and earn more points.
- Check that your employer makes the Infonavit payments: If your company does not comply with these contributions, you could lose points without realizing it.
Continuous Quoting
To maintain the constant growth of your points, it is essential that your contributions do not get in the way. Here are some tips:
- Keep track of your work history: If you have temporary contracts, try to reduce the periods without quotes.
- Apply voluntarily if you are an independent worker: You can make contributions to Infonavit even if you don't work for a company.
- Avoid periods without quotation: Lapses in which you don't quote can slow down the accumulation of points.
Take advantage of the additional benefits of Infonavit
Infonavit offers different incentives that can help you increase your points:
- Participate in special programs: There are initiatives that reward constant savings and can improve your score.
- Makes voluntary contributions: Increasing the balance on your housing account can benefit you when you apply for a loan.
Improve your financial health
In addition to focusing on the Infonavit, maintaining good financial management will also be useful:
- Maintain a positive credit history: Paying your debts on time improves your credit opportunities.
- Avoid overdoing it: A high level of debts can impair your ability to request financing.
Money Saving Strategies to Boost Your Income
In addition to time and salary, there are savings strategies that can strengthen your balance and facilitate access to an Infonavit credit.
Voluntary contributions to the Infonavit
You can make additional deposits to your housing account, which will allow you to increase your balance and improve your points. These contributions do not have a fixed limit, so you can adjust them to your economic possibilities.
Take advantage of Infonavit savings programs
Infonavit offers schemes that encourage saving, such as the "Solidarity Saving" program, which allows you to increase the balance on your housing account and obtain better credit conditions.
Implement a monthly savings plan
Saving constantly is an excellent strategy to strengthen your financial situation and improve your points. To achieve this:
- Define a fixed amount of monthly savings.
- Use automatic savings methods for greater discipline.
- Review your budget and adjust unnecessary expenses.
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If you have additional savings capacity, consider investing in financial instruments such as investment funds or high-yield accounts. The gains you make can be allocated to your housing account, speeding up the increase in points.
Participates in Government Support Programs
The government offers subsidies and assistance programs for those looking to buy a home. Find out what options are available and how you could benefit from them.
