Understanding Pensioners Law 73: How to Request a Refund of Savings from Infonavit in 2026
In 2026, significant changes will allow pensioners under Law 73 of the Mexican Social Security Institute (IMSS), who contributed before July 1, 1997, to request the return of savings accumulated in the Infonavit Housing Subaccount. This opportunity is available as long as they haven’t used these funds for a mortgage loan.
The Simple Process for Refund Requests
The refund process is designed to be user-friendly, eliminating the need for intermediaries and ensuring that it is free of charge. Pensioners can receive their funds along with any interest earned during their years of contribution. The procedure allows individuals to recover resources from employer contributions in a single payment, which can be done digitally or in-person.
While the steps to request the return are straightforward, Infonavit and IMSS emphasize several critical warnings and requirements:
- Valid Pension Resolution: Applicants must have a valid pension resolution.
- No Current Mortgage Loans: Individuals should not have any active mortgage loans.
- Data Consistency: The personal data across various systems (NSS, CURP, RFC) must match exactly.
- Balance Check: Ensure that there is an effective balance in the Subaccount.
These requirements are crucial; discrepancies can lead to application rejection. They serve to prevent delays and clarify the procedure’s feasibility.
Components of the Refund
Eligible pensioners can request funds from three specific components:
- Savings Fund (1972-1992)
- Housing Subaccount (1992-1997)
- Housing Subaccount (1997 and later)
Requests can be submitted through the My Infonavit Account platform or at an Infonavit Service Center (CESI). Approved requests may reflect the deposit in the pensioner’s bank account within five to ten business days.
Requirements for Request Validation
To validate their refund applications, individuals must meet the following criteria:
- Pension Resolution Issued by IMSS: This includes old age, unemployment, disability, or incapacity pensions.
- Valid Official Identification: (e.g., INE or passport).
- Bank Account with CLABE: In the name of the owner.
- SAT Current Signature: Essential for those opting for digital procedures.
Both online and in-person applications require registration in an Afore, and no active credits with Infonavit.
Additionally, applicants must verify the existence of a balance in the subaccount by consulting their Afore account statements to avoid potential inconsistencies that could block the process.
Access Limitations and Specific Policies
Access to these resources is strictly limited to those who completed contributions before 1997 and possess a pension resolution. Infonavit policies specifically exclude individuals with active credits and stress the importance of updating personal documents and information.
The refundable amounts correspond solely to accumulated employer contributions that were not previously utilized for mortgage loans. Once the necessary documentation and identity verification are in order, Infonavit estimates that the refund process can be completed within five to ten business days, provided no discrepancies arise.
Conclusion
The changes brought about under Pensioners Law 73 present an essential opportunity for eligible pensioners to reclaim funds that rightfully belong to them. It is crucial for applicants to understand the requirements and prepare accordingly to ensure a smoother refund process. By adhering to the outlined guidelines, pensioners can efficiently access their savings and benefit from their years of contributions.