The Institute of the National Housing Fund for Workers (Infonavit) is an institution in Mexico in charge of providing mortgage loans to workers for the purchase of housing. One of the most important data that beneficiaries need to know is the number of points accumulated in their Infonavit account, since these can determine the possibility of obtaining credit or accessing different benefits. In this article, we will explore in detail how to know how many points you have in Infonavit and the different methods you can use to obtain this information clearly and accurately. If you are part of this institution or are interested in knowing your credit situation, keep reading to discover how to obtain this valuable information.

1. What is Infonavit and how are the points used?

Infonavit is a Mexican government agency in charge of granting housing loans to workers affiliated with the National Housing Fund Institute for Workers (Infonavit). These credits are granted based on a score accumulated by workers called “Infonavit points.”

The Infonavit points They are calculated taking into account various factors, such as the worker's salary, savings in the housing subaccount, age and time of contributions. These points can be used to apply for a mortgage loan or to participate in programs and benefits offered by Infonavit.

To use Infonavit points, it is necessary to enter the Infonavit web portal and register with your account number. social Security and a password. Once inside the portal, you can check the number of points accumulated and the options available to use them. Among the options are applying for a mortgage loan, improving a home or purchasing products and services at the Infonavit store.

2. The requirements to know how many points you have in Infonavit

To know how many points you have in Infonavit, it is necessary to meet certain requirements that will allow you to access this information accurately. Below, the steps to follow to know your points balance in the Infonavit program will be detailed.

1. Have a valid social security number: To access information about your points in Infonavit, you must have your social security number on hand. This number is unique and identifies you as a worker. If you don't know it or have lost it, you can obtain it at the nearest Infonavit office.

2. Access the Infonavit online platform: Once you have your social security number, you must go to the site Infonavit official and enter the “My account” section. Here you can register or log in if you already have an account created. Make sure you have a stable internet connection and a device with access to the website.

3. How to access your Infonavit account to verify your points

To access your Infonavit account and verify your points, you must follow the following steps:

1. Enter the Infonavit page: Opens your web browser and look for the official Infonavit website. Once there, look for the “Sign in” or “Access my account” option and click on it.

2. Introduced your data personal: On the login page, you will be asked to enter your number social security and your password. Make sure you enter the correct details and if you forget them, use the “Recover Password” option which is usually located below the password field.

3. Check your points: Once you have logged in, look for the section or tab that indicates “Infonavit Points” or something similar. By clicking on this option, you will be able to see the current status of your Infonavit points and verify how many you have accumulated so far.

4. Step by step: how to know how many points you have in Infonavit through the online platform

A simple and quick way to know how many points you have at Infonavit is through its online platform. Next, we will show you Step by Step how to perform this query:

1. Go to the official Infonavit website: www.infonavit.gob.mx.

2. On the main page, find the “Access to online platform” option and click on it.

3. A new window will open where you must enter your social security number and password. If you do not have an account yet, select the "Sign up" option to create a.

4. Once you have logged in, you will be redirected to your personal profile. Here you can find relevant information about your Infonavit account.

5. At the top of the screen, you will see a tab that says "Infonavit Points." Click on it.

6. In this section you can get a detailed breakdown of the points you have accumulated so far.

With these simple steps, you will be able to have immediate access to the number of points you have in Infonavit. It is important to review this information regularly to be aware of your financial situation and to be able to carry out the necessary procedures according to your needs. Remember that Infonavit also offers free advice to resolve any questions you may have.

5. Alternatives to know your Infonavit points without internet

There are several alternatives to know your infonavit points without the need for an internet connection. Below, we present some options so you can consult this information quickly and easily:

1. Via telephone: You can call the Infonavit Call Center at 01 800 008 3900. By providing your personal information, you will be able to know your points accumulated in your Infonavit account.

2. Service modules: If you prefer personalized attention, you can go to one of the Infonavit service modules. There, an advisor will help you check your points for free.

3. SMS: You can also send A text message to the number 27282 with the word "Infonavit", followed by your social security number. In a few seconds, you will receive a message with information about your accumulated points.

These are just some of the options available to know your Infonavit points without having to use the internet. Remember that it is important to be aware of your credit history and the benefits to which you are entitled.

6. How are Infonavit points calculated?

Infonavit points are calculated taking into account different factors that determine the credit capacity of each person. Below I'll give you a step-by-step breakdown of how this calculation is done.

1. The first thing you should do is determine your basic daily wage (SBD), this is the general daily minimum wage in force in your geographic area. You can consult it on the official Infonavit website.

2. The next step is to calculate your minimum accumulated wages (SMA) by multiplying your SBD by 30.4 days. For example, if your SBD is $200, your SMA will be $6,080 ($200 x 30.4).

3. Next, you must calculate how much will be deducted from your salary monthly to pay your credit. This discount is known as payroll discount (DVN) and is a percentage determined by Infonavit. You can check the DVN table on their website. Multiply your SMA by the DVN percentage to get the monthly amount that will be deducted from you.

7. Understanding the Infonavit scoring system and its importance

8. How many points are necessary to access a loan from Infonavit?

Infonavit is an institution in Mexico that provides loans for the purchase of homes. To access a loan from Infonavit, it is necessary to meet certain requirements and accumulate a minimum number of points. These points are obtained through different factors, such as age, salary, contribution time to the Institute of the National Housing Fund for Workers (Infonavit), among others.

The number of points necessary to access an Infonavit credit varies depending on different factors. However, in general, it is required to accumulate at least 116 points to have the possibility of accessing credit. These points can be obtained through different items, such as salary, age, contribution time and the number of deposits made to the worker's Housing Subaccount.

It is important to note that accumulating the minimum amount of points necessary does not automatically guarantee the approval of an Infonavit credit. In addition to the points, other factors are taken into account, such as the worker's income, his or her ability to pay and the housing supply in the area where the property is intended to be acquired. Therefore, it is essential to comply with all the requirements and be aware of the guidelines established by Infonavit to increase the chances of obtaining satisfactory credit.

9. Strategies to increase your points at Infonavit and get better credit

Below, we present some effective strategies to increase your points at Infonavit and get better credit:

1. Make voluntary contributions: A quick and effective way to increase your Infonavit points is by making voluntary contributions to your housing subaccount. You can do it both monthly and in single payments, which will allow you to accumulate more points and improve your credit history.

2. Use your Infonavit credit appropriately: Using your Infonavit credit in a responsible and timely manner also helps increase your points. Pay your monthly payments on time and avoid over-indebtedness. Remember that having a good payment history is essential to improve your credit rating.

3. Lean on housing programs: Infonavit offers various housing programs that can help you increase your points. For example, the “Let's Join Credits” program allows you to combine your credit with that of a family member or friend, which will increase your points and give you access to better credit. Find out about the available programs and choose the one that best suits your needs.

10. How to correct errors in your Infonavit points and ensure an accurate score

If you have detected errors in your Infonavit points and want to correct them to ensure an accurate score, here we show you how to do it. Follow these steps to resolve the issue:

1. Review your account statement: it is important to analyze and understand the details of your Infonavit account statement. Verify that the points registered are correct and are in accordance with your payments and time worked.
2. Contact Infonavit: if you identify any error, immediately contact Infonavit to report the problem. You can use their phone line or visit a local office to receive personalized assistance.
3. Provide the necessary documentation: To resolve any errors in your Infonavit points, it is essential to present the appropriate documentation to support your claims. This may include pay stubs, work stubs, or any another document that demonstrates your work history and payments made.

Remember that it is important to be patient during the correction process and make sure you follow all the instructions provided by Infonavit. Please note that the time to resolve these issues may vary depending on the complexity of the case. If necessary, consider seeking professional advice from a lawyer specialized in matters related to Infonavit.

11. The role of Infonavit points in choosing a home

Infonavit, Institute of the National Housing Fund for Workers, is a Mexican institution in charge of granting loans for the purchase of housing to workers who contribute to the Mexican Institute of Housing. Social Security. Infonavit points They are a measure used by this institution to determine the credit capacity of each worker. The number of points accumulated will influence the choice of home that the worker can purchase.

The role of Infonavit points is fundamental when choosing a home. These points are based on various factors such as salary, contribution time and the worker's age. The higher the accumulated score, the greater the options available for choosing a home. Therefore, it is important to know the number of points you have and understand how they work to make an informed decision.

To find out the number of Infonavit points accumulated, you can enter the Institute's official website and access the "My Account" section. There, you will find a section called "My Points". By clicking on this section, the information related to the accumulated points and the credit capacity you have will be displayed. It is advisable to review this information periodically to have updated control.

12. How to use your Infonavit points to improve your mortgage

If you are the holder of an Infonavit mortgage loan and you are wondering how to use your points to improve your situation, you are in the right place. Next, we will show you the steps to follow to make the most of your points and obtain direct benefits on your mortgage.

1. Check your accumulated points: The first thing you should do is check how many points you have available in your Infonavit account. You can do it easily and quickly through the official website or by calling the customer service center. This information is crucial to knowing how much you can use and what options you have at your disposal.

2. Analyze the available options: Once you know the number of points accumulated, it is important that you investigate and evaluate the different alternatives to use them. Infonavit offers various options, such as reducing the balance of your mortgage, paying the monthly payments in cash, taking out a loan to remodel your home or requesting a loan for other purposes. Review each of these options, compare the benefits and choose the one that best suits your needs and financial goals.

3. Follow the established process: Once you have decided how to use your Infonavit points, it is important that you follow the process established by the institution to make your benefit effective. Infonavit has a team of advisors to help you at every stage, from selecting the option to executing the procedure. Follows directions and provides required documentation in a timely and accurate manner. Maintain constant monitoring to ensure the process is moving smoothly.

13. Infonavit points: can they be transferred or inherited?

Over the years, Infonavit has become a fundamental tool for workers in Mexico looking to purchase a home. However, a frequently asked question that arises is whether Infonavit points can be transferred or inherited. To answer this question, it is essential to understand the rules and restrictions established by the Institute of the National Housing Fund for Workers (Infonavit).

First of all, it is important to highlight that Infonavit points cannot be transferred of a person to another. This means that it is not possible to transfer or sell the accumulated points to a third party. Infonavit points are directly associated with the worker and are used exclusively to grant mortgage loans.

Regarding the inheritance of Infonavit points, it is not possible either. When the worker affiliated with Infonavit dies, the accumulated points cannot be transferred to their beneficiaries or used to obtain a mortgage loan in their name. However, it is important to mention that beneficiaries have the option of accessing the assets or economic resources found in the housing subaccount of the deceased worker.

14. Infonavit and recent changes to the scoring system: what do you need to know?

Infonavit has recently implemented several changes to the scoring system that affect workers interested in obtaining a mortgage loan. These changes have been made with the aim of making access to credit more fair and equitable. It is important to be aware of these changes to be able to get the greatest number of points possible and increase your chances of getting an Infonavit credit.

One of the most important changes to the scoring system is the inclusion of new criteria for awarding points. Now, factors such as timely payment of services such as electricity, water and gas are taken into account, as well as registration in the Retirement Savings System (SAR). Additionally, the number of points awarded for income level has increased, benefiting lower-paid workers.

Another significant change is the implementation of "Spousal Credit", which allows adding the points of both spouses to achieve a higher score and thus increase the possibilities of accessing a larger amount of credit. This is especially useful for couples where one spouse has a low score, as they can benefit from the other's good credit history. However, it is important to keep in mind that both must meet the necessary requirements to obtain the credit.

In conclusion, knowing the number of points accumulated in Infonavit is essential for workers who want to access a mortgage loan or use their work benefits. Thanks to the My Infonavit Account online tool, it is possible to access this information quickly and easily.

Throughout this article, we have explained in detail the process to consult the points in Infonavit, from creating the account in My Infonavit Account, to the steps to follow to obtain the precise information.

It is important to mention that the points accumulated in Infonavit not only determine the credit capacity of workers, but also reflect their work history and compliance with their tax responsibilities.

To use effectively With this tool, it is advisable to keep personal and work data updated within My Infonavit Account, so that the income and contributions made are correctly reflected.

In summary, knowing how many points you have in Infonavit not only provides a clear vision of the possibilities of obtaining a mortgage loan, but also allows you to take full advantage of the benefits that this institution offers to Mexican workers.

Don't wait any longer and check your Infonavit points through My Infonavit Account to take advantage of all the opportunities that this program has for you!

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