Overview
- Officials and experts stress that Subcuenta de Vivienda resources are limited to housing uses or integration into pension savings at retirement.
- Reports highlight social media and street operators who promise cash withdrawals for a fee, which Infonavit identifies as illegal and frequently fraudulent.
- Workers risk unauthorized credits, reduced pension amounts, and loss of money to bogus commissions if they engage third-party gestores.
- Required documentation includes an IMSS pension resolution or negativa, valid ID, matching NSS/RFC/CURP, a recent bank statement with CLABE, no active Infonavit credit, and for online filings an e.firma.
- Under Ley 73 workers can receive the full housing balance in a single payment, while under Ley 97 the 1992 and 1997 subaccounts are integrated into the Afore, with certain older funds requested directly from Infonavit; experts urge stronger safeguards, noting unproven concerns about possible internal leaks.