How to Calculate and Simulate your Infonavit Points: Detailed Guide
If you've been working on improving your Infonavit points, you may want to know precisely how many you have or make a projection of how many you could accumulate in the future. Fortunately, Infonavit offers online tools to facilitate these calculations and simulations.
1. Use the Infonavit Points Calculator
Infonavit has a free tool on its website that allows you to quickly calculate your accumulated points. To use it, follow these steps:
- Access the Infonavit portal: Enter www.infonavit.org.mx and go to the simulators or calculators section.
- Enter your personal details: You must enter your Social Security Number (NSS), your current salary and the time you have been working. This data is essential to obtain accurate results.
- Check the results: Once you have entered the information, the calculator will show you the accumulated points and you can see how many points you could get if you continued quoting at the same rate.
2. Simulate your Infonavit Credit
In addition to calculating your points, you can also estimate the amount of mortgage credit you could obtain. This tool is useful for planning your credit application.
- Access the credit simulation: Within the same portal, look for the option of credit simulators.
- Enter your current points: You can use the calculated points or make an estimate based on your work situation.
- Check the amount of credit available: The simulation will tell you how much money you could receive in a mortgage, including payment conditions and applicable interest rates.
3. Performs Periodic Simulations
To get a more accurate idea of your financial situation, it is advisable to run simulations on a regular basis.
- Update the simulation every six months: As you increase your points, review how much credit you can get.
- Adjust your expectations: Small changes in your salary or time spent can influence the amount of your credit, so it's important to be informed.
4. Consultation with an Infonavit Advisor
If you have any doubts about how to use the calculator or the credit simulation, an Infonavit advisor can guide you.
- Schedule an appointment with an advisor: You can do this online or by going to an Infonavit office.
- Explore other available options: An advisor can inform you about support programs and additional benefits that could improve your credit possibilities.
Conclusion
Consulting your Infonavit points is essential for any worker in Mexico planning to buy a house. Knowing how many points you have accumulated allows you to make informed decisions and plan the next steps to access a mortgage. Stay informed about strategies to improve your score and use the simulation tools to better evaluate your financial options.
Frequently Asked Questions (FAQ)
How can I check my Infonavit points in 2024?
To review your points, go to www.infonavit.org.mx, log in with your NSS and password, and access the "My Infonavit points" section.
What is the easiest way to check my points?
You can do this through the official Infonavit portal, the "Mi Cuenta Infonavit" app or by calling 800 008 3900.
How do I know what my points are equivalent to?
Use the credit simulator on the Infonavit portal to find out how much credit you can get according to your points.
How can I review my Infonavit balance?
Access your account on the Infonavit portal or on the "Mi Cuenta Infonavit" app to check your housing subsidy balance.
What do I need to check my points?
You must have your NSS, CURP and date of birth to access the information on the portal or mobile application.
What do I do if I don't have enough points for a loan?
You can improve your salary, join for longer, contribute voluntarily or review additional programs that can help you accumulate points faster.
How many points do I need for an Infonavit credit?
Generally, at least 116 points are required to qualify, but the exact amount of credit will depend on your work and salary situation.
How can I increase my Infonavit points?
You can improve your score by increasing your salary, maintaining job stability, making continuous contributions and making voluntary contributions.
Is it possible to check my points without internet?
Yes, you can call 800 008 3900 and provide your personal details to receive information about your points.
