{"id":12874,"date":"2023-09-14T12:53:41","date_gmt":"2023-09-14T18:53:41","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=12874"},"modified":"2023-09-14T12:53:45","modified_gmt":"2023-09-14T18:53:45","slug":"credito-infonavit-al-menos-dos-veces-mas-barato-que-hipotecas-bancarias","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/credito-infonavit-al-menos-dos-veces-mas-barato-que-hipotecas-bancarias\/","title":{"rendered":"Cr\u00e9dito Infonavit, al menos dos veces m\u00e1s barato que hipotecas bancarias"},"content":{"rendered":"\n

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

Al cierre de julio del 2023, el CAT m\u00e1ximo en hipotecas bancarias se encontr\u00f3 en 28.2%; mientras que el cr\u00e9dito Infonavit el 13.1% de este \u00edndice<\/em><\/p>\n\n\n\n

De acuerdo con datos del Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>), adquirir una vivienda a trav\u00e9s de una hipoteca bancaria puede resultar hasta dos veces m\u00e1s caro<\/strong> que<\/strong> hacerlo mediante un cr\u00e9dito Infonavit<\/strong>. Esta conclusi\u00f3n fue obtenida de la comparaci\u00f3n del Costo Anual Total<\/strong> (CAT) de los dos tipos de financiamientos para la compra de vivienda.<\/p>\n\n\n\n

El CAT<\/strong> es una medida estandarizada del costo de los cr\u00e9ditos, el cual incluye el total de los costos y gastos inherentes a los financiamientos<\/strong>, por ejemplo, la tasa de inter\u00e9s, comisiones, bonificaciones, seguros obligatorios, etc.<\/p>\n\n\n\n

En ese sentido, cifras del Banco de M\u00e9xico se\u00f1alaron que, en julio, el CAT m\u00e1ximo<\/strong> otorgado por la banca comercial <\/strong>sobre cr\u00e9ditos hipotecarios fue de 28.2%<\/strong>, porcentaje que representa el m\u00e1s nivel m\u00e1s alto desde 2004; mientras que el m\u00ednimo se ubic\u00f3 en 10.90 por ciento<\/strong>.<\/p>\n\n\n\n

Por el contrario, desde la implementaci\u00f3n del Nuevo Esquema de Cr\u00e9dito en Pesos (NECP) en el cr\u00e9dito Infonavit, el CAT<\/strong> oscila entre el 3.1% hasta el 13.1 por ciento<\/strong>.<\/p>\n\n\n\n

De modo que, estas cifras indican que el cr\u00e9dito Infonavit cuenta con el<\/strong> CAT m\u00e1s competitivo <\/strong>del mercado hipotecario del pa\u00eds. Adem\u00e1s de que, a pesar de la inflaci\u00f3n y los incrementos en la tasa de inter\u00e9s de referencia del banco central, el Infonavit logrado mantener sus tasas de inter\u00e9s del 3.09% al 10.45 por ciento.<\/p>\n\n\n\n

Adem\u00e1s, el Instituto les ofrece a los\u00a0beneficiarios con menores recursos las tasas m\u00e1s bajas<\/strong>, les exenta de realizar algunos pagos y cobros asociados al\u00a0cr\u00e9dito Infonavit<\/a>, como la comisi\u00f3n por administraci\u00f3n.<\/p>\n\n\n\n

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

Por: Rebeca Romero Al cierre de julio del 2023, el CAT m\u00e1ximo en hipotecas bancarias se encontr\u00f3 en 28.2%; mientras que el cr\u00e9dito Infonavit el 13.1% de este \u00edndice De acuerdo con datos del Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), adquirir una vivienda a trav\u00e9s de una hipoteca bancaria puede resultar 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