INFONAVIT Employer Contributions: Who Qualifies and What You Get

This scheme requires businesses to make regular payments into a housing fund for their employees. These payments, often referred to as the Aportación Patronal, are a mandatory part of managing a formal workforce in Mexico.

👤Who it's for

This requirement applies to employers who employ staff under formal employment contracts. If your business has formal staff members, you are required to participate in this contribution system to ensure your employees' housing funds are properly maintained.

🎁What you get

By making these regular payments, you achieve full compliance with national housing fund obligations. This process ensures that your business meets the legal standards required for maintaining a formal workforce and fulfills the specific housing fund mandates set by the government.

💰What it costs you

The financial obligation for the employer is 5% of the employee's base salary. This amount must be calculated based on the base salary earned by your staff members to ensure the contribution is accurate and meets the legal requirement for the housing fund.

⚠️The catch to know

The most important thing to monitor is your payment schedule. Failure to pay these contributions on time will result in high surcharges. Because these are mandatory obligations, late payments can lead to significant extra costs that go beyond the original 5% requirement.

📝How to apply

1. Identify all employees currently working under formal contracts within your business.
2. Calculate the base salary for each of these staff members.
3. Determine the exact 5% amount required for each individual employee based on those salaries.
4. Submit the total amount through the official government channels to ensure the funds are correctly allocated to the housing fund.
5. Maintain thorough records and receipts for every payment to demonstrate your business is in compliance with all housing fund laws.