Reduce Your Infonavit Payments: Learn About the Nivelá Tu Pago Program

Introduction

Financial stability doesn’t always equate to peace of mind, especially when unexpected expenses, inflation, or changes in family economics put pressure on your finances. This is particularly true if you have a housing loan. To address this, the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) introduced a program that allows credit holders to reduce their monthly payments by up to 75% without losing your job or falling into delinquency.

Program Overview: Nivelá Tu Pago

The Nivelá Tu Pago program offers a one-year adjustment period for your credit, even if you’re current with payments and have formal employment. This initiative aims to provide relief for those facing financial strain due to unforeseen circumstances.

Eligibility Requirements

Before applying for the benefit, ensure you meet these criteria:

• Infonavit housing loan: The credit must have been granted directly by Infonavit.
• Not be in litigation.
• Have paid at least 12 full monthly installments.
• Have at least 12 pending payments.
• If you have an active extension, it must be paid off.
• If your credit was previously in Veces Salario Mínimo (VSM) and converted to pesos, at least one year must have passed since the conversion.

Application Process

Credit holders have two options to request the benefit:

1. Online: Log in to Mi Cuenta Infonavit, navigate to “My Credit,” and select the “Credit Restructuring Request” option.
2. In-person: Visit the nearest Infonavit Service Center (Cesi) with your Credit Number or NSS, a valid official ID, and a utility bill from your loan’s address (no older than three months).

Once the support period ends, your monthly payments will revert to their original terms.

Financial Advice

While this program offers temporary relief, it’s crucial to use it strategically. Take advantage of this period with lower financial burden to organize other debts, strengthen your emergency fund, or address unavoidable expenses.

Remember: financial health isn’t about paying off debts faster but maintaining control over your finances while adapting to changes.

Key Questions and Answers

• What is the Nivelá Tu Pago program? It’s an Infonavit initiative that allows credit holders to reduce their monthly housing loan payments by up to 75% for one year, without losing employment or falling into delinquency.
• Who is eligible for this program? Eligible participants must have an Infonavit housing loan, not be in litigation, have paid at least 12 full monthly installments, have at least 12 pending payments, and not have an active extension. If the credit was previously in Veces Salario Mínimo (VSM) and converted to pesos, at least one year must have passed since the conversion.
• How do I apply for this program? Credit holders can apply online through Mi Cuenta Infonavit or in-person at the nearest Infonavit Service Center (Cesi) with required documents.
• What happens after the support period ends? Once the one-year adjustment period concludes, your monthly payments will revert to their original terms.
• How should I use this program strategically? Utilize this period to organize other debts, bolster your emergency fund, or address unavoidable expenses while maintaining control over your finances.