Your savings in the Institute do not have an expiration date, so you can request it whenever you want, as long as you meet the necessary requirements.
The process is simple, free, and you do not need anyone to help you with it.
If you work for a company and have social security benefits, your employer must contribute 5% of your salary to Infonavit every two months.
This money accumulates in your Housing Subaccount, and you can use it to obtain a loan from the Institute or request its return upon reaching retirement.
Even if you stop working for a while, that money remains there and generates returns each year, which you will also receive at the time of your retirement.
It is important to know that once you can request your refund, there is no deadline to withdraw your savings.
So you can claim your money whenever you decide, for free and without intermediaries.
Keep in mind that the requirements and the way Infonavit will return that savings depend on the regime under which you retire:
- If you retire under the 1973 regime, the money will be returned to you in a single payment. You can process the Return of the Housing Subaccount in My Infonavit Account (micuenta.infonavit.org.mx) or at the nearest Infonavit Service Center (Cesi).
For this, you will need:
- The pension resolution or the pension denial issued by the IMSS.
- Your valid Electronic Signature (e.firma).
- A bank account in your name with CLABE that accepts deposits for the amount to be refunded.
- No active loans with Infonavit or ongoing processes.
Before starting your process, make sure that your data (name, CURP, RFC, and Social Security Number – NSS) are correct and match exactly with what you have in your Afore, the IMSS, and your bank account.
If you retire under the 1997 regime, the money you have saved will be sent to your Afore to be added to your total savings and determine the amount of your pension.
Remember that if the beneficiary passes away, their savings in Infonavit can be claimed by their beneficiaries.
Join the Infonavit Partner community and enjoy exclusive discounts and benefits. You only need your Social Security Number (NSS) and your password for My Infonavit Account. Download the app or register today at app.socioinfonavit.com.
Get information about loans, procedures, and Infonavit services easily and clearly at infonavitfacil.mx.