Understanding Your Infonavit Savings
In Mexico, the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) serves as a major savings fund for workers. Employees contributing to the Mexican Social Security Institute (IMSS) accumulate savings in their Subcuenta de Vivienda (Housing Subaccount). These funds can be used to purchase a home, but what happens if you don’t want to buy a house?
Many workers wonder:
- Can I withdraw my Infonavit savings in cash?
- How can I access my Infonavit money without using it for a house?
- What are the legal ways to claim my Infonavit funds?
Fortunately, under specific conditions, you can withdraw your Infonavit savings without buying a house.
Ways to Withdraw Your Infonavit Money in 2025
1. Retirement or Pension Withdrawal
If you are retiring and have never used an Infonavit loan, you may be eligible to withdraw your accumulated savings. The eligibility criteria depend on the IMSS pension law under which you retire:
- IMSS Law 1973: You can request your funds upon official pension approval.
- IMSS Law 1997: You may withdraw savings through your Afore (Retirement Fund Administrator).
2. Withdrawal at Age 65 or Older
If you reach 65 years of age and have never used your Infonavit credit, you can request a refund of your accumulated balance. To qualify, you must:
Be at least 65 years old
Have never used your Infonavit savings to buy a home
Present the required documents
Required Documents:
- CURP and IMSS Social Security Number (NSS)
- Official ID (INE or Passport)
- Bank account statement with CLABE (for transfer of funds)
3. Withdrawal by Beneficiaries in Case of Death
If the account holder passes away, their legal beneficiaries (spouse, children, or parents) can claim the accumulated savings.
Required Documents:
- Death certificate of the worker
- Proof of relationship (marriage certificate or birth certificate)
- Beneficiary’s official ID
This ensures that family members receive the accumulated funds without legal complications.
Step-by-Step Guide to Request Your Infonavit Withdrawal
If you meet the eligibility criteria, follow these steps to withdraw your Infonavit funds:
1. Check Your Balance
Visit Mi Cuenta Infonavit and log in to verify your Subcuenta de Vivienda balance.
2. Gather the Required Documents
Ensure you have all the necessary paperwork based on your withdrawal category (retirement, age 65+, or beneficiary claim).
3. Submit Your Request
You can apply:
Online: Through the Mi Cuenta Infonavit platform.
In-Person: At an Infonavit Service Center (CESI).
4. Wait for Approval
The process typically takes 10 to 30 business days. Once approved, Infonavit will transfer the funds to your bank account.
Common Questions About Infonavit Withdrawals
Can I withdraw my Infonavit money if I still have an active credit?
No. If you have an active Infonavit mortgage, your Subcuenta de Vivienda savings are allocated to pay off your loan balance.
What happens if I never withdraw my Infonavit savings?
If you don’t withdraw your funds, the balance remains in your Subcuenta de Vivienda until you:
Reach 65 years old
Retire with an IMSS pension
Pass away, allowing beneficiaries to claim the funds
Can I withdraw Infonavit money in cash?
No, Infonavit does not provide cash withdrawals. Instead, they transfer the funds to your registered bank account.
Claim Your Infonavit Savings Legally
Withdrawing your Infonavit savings without buying a house is possible if you meet the retirement, age-based, or beneficiary withdrawal criteria. By following the correct steps and submitting required documents, you can successfully claim your funds.Remember: Your Infonavit savings are your right—don’t leave them unclaimed!
TE PODRÍA INTERESAR