Andrea Becerril
La Jornada newspaper
Sunday, February 16, 2025, p. 4
Workers may be calm; No one will strip them of their housing funds, said the deputy of Morena and leader of the mining union, Napoleón Gomez Urrutia, with whom Senator Luis Armando Melgar (PVEM), president of one of the commissions that ruled the reform of the law of the law of the law of the law of the law of the law of the law of the law of the law of the law of the law of the law of Infonavit
Questioned about the repeated statements of the opposition that the Government will take the almost 2.5 billion pesos that the Institute has and the savings of the workers contained in the sub -account of housing will be lost, Gómez Urrutia pointed out that it is quite the opposite, since The new law will allow honest and transparent management of these resources, Without the corruption that occurred in the PRI and Pan governments
.
He explained that the articles of the Infonavit Law were not changed, including 37 and 40, in which everything related to that sub -account of housing is established, which is individualized and in which all the contributions made that the patterns made during the working life of the wage earning. It is also a retirement fund and can be taken when the worker fulfills the age to retire or be delivered to his relatives in case he dies before, he stressed.
These resources are imprescriptible, he said, and are also regulated by social security laws and retirement savings system.
In the reform approved by both chambers, article 43 bis is added a paragraph in which it is established that The right -holder who obtains a loan from the Infonavit or from a financial entity to apply it to the payment of the construction or acquisition of your home or land destined for this purpose, you can give in guarantee of that credit the balance of your housing sub -account
which will only cover the worker’s lack of payment when losing employment.
Likewise, article 41 of that Infonavit Law was modified – which is expected to be promulgated next week by the President of the Republic – to establish that in the case of social lease schemes, that is, the houses that the Institute will build For rent, the right holders may use their housing sub -account as a guarantee
.
Gómez Urrutia commented that in this way the Infonavit has operated, when returning the total resources of the housing sub -account to the workers who decide when they retire or the part that is left, if they requested a loan for a house.
Employees, he insisted, receive periodic information on the money in that sub -account through their afore, and now the Infonavit will be obliged to periodically publish such data, as well as the interests achieved with the investment programs that carry out.
In that reform, he added, it is established that in the event that the worker with a loan is carried out, the Infonavit will grant him extensions in the repayments of the amortization, without generating interest, and it will be forbidden to update the balances and other measures that The homes made unpaid.
Separately, Melgar, president of the Urban and Housing Reorganization Commission, agreed that the housing sub -account is not touched and each sharpening to Infonavit will maintain their savings and in the case of those who earn up to three minimum wages, they will be able to access a Credit to access a house for the first time
Regarding the repeated by the PAN coordinator, Ricardo Anaya, that the government will take over the 2 billion 445 billion pesos that the institute has, the legislator said that he has surely not seen the balance, since a billion 797 billion is in a credit portfolio, and of these, 839 thousand 330 million are investments in financial instruments.
