{"id":12739,"date":"2023-08-18T14:04:32","date_gmt":"2023-08-18T20:04:32","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=12739"},"modified":"2023-08-18T14:04:36","modified_gmt":"2023-08-18T20:04:36","slug":"57-8-de-los-creditos-infonavit-obtuvieron-tasas-de-interes-mas-bajas-que-la-banca","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/57-8-de-los-creditos-infonavit-obtuvieron-tasas-de-interes-mas-bajas-que-la-banca\/","title":{"rendered":"57.8% de los cr\u00e9ditos Infonavit obtuvieron tasas de inter\u00e9s m\u00e1s bajas que la banca"},"content":{"rendered":"\n

Por: Rebeca Romero <\/p>\n\n\n\n

La tasa de inter\u00e9s m\u00e1s com\u00fan en los cr\u00e9ditos Infonavit es de 8.86%, mientras que la banca comercial la establece en 9.22%<\/em><\/p>\n\n\n\n

De acuerdo con Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>), de junio del 2021 al t\u00e9rmino de julio de este a\u00f1o, 551,003 cr\u00e9ditos Infonavit<\/strong> han logrado obtener \u2018tasas de inter\u00e9s hist\u00f3ricamente bajas\u2019<\/strong>. Dicha cifra represent\u00f3 una derrama econ\u00f3mica de 379,303 millones de pesos (mdp).<\/p>\n\n\n\n

Esta labor es realizada por el Instituto<\/a> a trav\u00e9s del Nuevo Esquema de Cr\u00e9dito en Pesos<\/strong> (NECP), el cual se asegura de que los trabajadores adquieran cr\u00e9ditos Infonavit con una <\/strong>tasa de inter\u00e9s fija diferenciada determinada por el<\/strong> nivel de ingresos <\/strong>de cada persona; es decir, los acreditados que ganan menos tendr\u00e1n una tasa de inter\u00e9s fija m\u00e1s baja.<\/p>\n\n\n\n

En ese sentido, actualmente los financiamientos cuentan con tasas desde el <\/strong>3.09%<\/strong>, destinada para los derechohabientes que reciben un menos salario, hasta el <\/strong>10.45%<\/strong> para personas que reciben mayores ingresos.<\/p>\n\n\n\n

Cabe mencionar que, 323,737 cr\u00e9ditos Infonavit<\/strong> otorgados por el Nuevo Esquema de Cr\u00e9dito en Pesos, accedieron a una<\/strong> tasa de inter\u00e9s inferior a 8.86%<\/strong>,<\/strong> siendo una cifra menor ofertada por la banca comercial, la cual es de 9.23 por ciento.<\/p>\n\n\n\n

\u00bfCu\u00e1les son los beneficios de los cr\u00e9ditos Infonavit?<\/h2>\n\n\n\n

Adem\u00e1s de obtener una tasa de inter\u00e9s fija y de acuerdo con los ingresos de los trabajadores, los cr\u00e9ditos Infonavit tambi\u00e9n tienen m<\/strong>ensualidades sin aumentos <\/strong>durante toda la vida del cr\u00e9dito<\/strong>, sin importar la situaci\u00f3n laboral del trabajador.<\/p>\n\n\n\n

As\u00ed mismo, las\u00a0aportaci<\/strong>ones<\/strong>\u00a0patronales son dirigidas al pago del\u00a0<\/strong>capital de cr\u00e9dito<\/strong>, de manera que el financiamiento ser\u00e1 liquidado de manera m\u00e1s r\u00e1pida. Igualmente, todas las hipotecas de Infonavit tienen\u00a0a<\/strong>cceso a las Soluciones de Pago<\/strong>, que pueden ser utilizadas en caso de desempleo o disminuci\u00f3n de los ingresos.<\/p>\n\n\n\n

<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Por: Rebeca Romero La tasa de inter\u00e9s m\u00e1s com\u00fan en los cr\u00e9ditos Infonavit es de 8.86%, mientras que la banca comercial la establece en 9.22% De acuerdo con Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), de junio del 2021 al t\u00e9rmino de julio de este a\u00f1o, 551,003 cr\u00e9ditos Infonavit han logrado obtener \u2018tasas de […]<\/p>\n","protected":false},"author":1,"featured_media":12740,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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