Your money is there, even if you don’t see it
Retirement time arrives and many workers wonder: what about that money they deducted from me for housing? Well, it turns out that it doesn’t disappear. If you have never used your Infonavit Housing Subaccount to buy or improve a house, you can ask for it to be returned to you.
And here comes the fact that few know: it doesn’t even matter if they have already transferred it to the Pension Fund for Welfare. The Institute insists that this resource “is not lost.” The workers, it says verbatim, “will always have the right” to claim it.
“Savings in the Housing Subaccount can only be requested through the official procedures of the Institute, which are free and do not require managers or intermediaries”
Translation: no one should charge you for this procedure. If someone offers to “speed it up” for a commission, be wary.
Two ways to recover what is yours
You have two main options. The digital one is through My Infonavit Account. You need your RFC, CURP, current e-signature and a bank account with CLABE that accepts the full amount.
The in-person session is at the Pensioner Care Centers (CAPDE). You just have to schedule an appointment through Infonatel or from the web platform and bring the documentation.
What if the owner dies before retiring? In that case, the designated beneficiaries (spouse, children or parents) can begin the process online with the IMSS pension resolution and the data of the deceased. The process ends, yes or yes, in person at a CAPDE or directly at the Afore where it was registered.
The final message is clear: that money is yours. The system is designed – in theory – so that you can recover it without intermediaries. The only question left is: why are so many Mexicans unaware of this right?
