In a move designed to alleviate financial strain on Mexican homeowners, the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) is actively working to provide significant relief through its Nivela tu Pago program. This initiative is specifically tailored to assist individuals facing economic hardships that impact their ability to meet their mortgage obligations. Diyeth Arochi (2025) from El Imparcial reports that Infonavit is currently offering discounts ranging from 25% to 75% on monthly mortgage payments for eligible beneficiaries.
Understanding the Nivela tu Pago Program
The Nivela tu Pago program is a crucial lifeline for many, especially considering the unforeseen financial challenges that can arise, such as job loss or unexpected medical expenses. Infonavit recognizes that these circumstances can significantly affect a homeowner's capacity to maintain timely payments. The program's primary objective is to provide a temporary buffer, allowing individuals to stabilize their finances without the immediate threat of losing their homes.
Key Features of the Discount Program
According to Infonavit, the discount on monthly payments can last for up to 12 months, giving individuals a substantial period to reorganize their financial affairs and recover from the hardship they are experiencing. This temporary reduction in financial burden can be a turning point for families struggling to make ends meet.
Eligibility and Application Process
To apply for the Nivela tu Pago program, applicants need to follow a straightforward process outlined by Infonavit. Diyeth Arochi (2025) notes that the application can be initiated through two primary channels:
- Online Application: Through the «Mi Cuenta Infonavit» portal, accessible via the Infonavit website. Applicants should navigate to the «mi crédito» section and then select «solicitud de reestructura».
- In-Person Application: At any Centro de Servicio Infonavit (CESI). Applicants will need to bring the necessary documentation to support their application.
Important Considerations
It is crucial to understand that the benefits of the Nivela tu Pago program are temporary. After the 12-month support period concludes, monthly payments will revert to their original terms. Therefore, beneficiaries should use this time wisely to address the root causes of their financial difficulties and ensure they can manage their mortgage payments moving forward. As reported by El Imparcial (Arochi, 2025), it is essential to plan accordingly to avoid future financial strain.
Addressing Financial Hardship Beyond Job Loss
While job loss is a common reason for financial instability, Infonavit acknowledges that other factors can also contribute to difficulties in meeting mortgage payments. These include unforeseen medical expenses, reduced working hours, or other unexpected financial burdens. The Nivela tu Pago program is designed to be inclusive, offering support to individuals facing a variety of challenging circumstances.
The Importance of Seeking Assistance
Infonavit encourages homeowners facing financial difficulties to proactively seek assistance. Delaying action can lead to more severe consequences, potentially jeopardizing their ability to keep their homes. By taking advantage of programs like Nivela tu Pago, individuals can find a viable path to financial recovery and maintain their housing stability.
The Nivela tu Pago program represents a significant commitment by Infonavit to support Mexican homeowners during times of economic hardship. By providing substantial discounts on monthly payments, the program offers a crucial lifeline, helping families stay in their homes and navigate challenging financial circumstances. Homeowners are encouraged to explore this program and other available resources to ensure their long-term financial well-being and housing security.
References
Arochi, D. (2025, March 29). Infonavit: Así puedes obtener un descuento de hasta el 75% en las mensualidades de tu crédito. El Imparcial. Retrieved from https://www.elimparcial.com/dinero/2025/03/29/infonavit-asi-puedes-obtener-un-descuento-de-hasta-el-75-en-las-mensualidades-de-tu-credito/
