{"id":14851,"date":"2024-06-11T14:53:24","date_gmt":"2024-06-11T20:53:24","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=14851"},"modified":"2024-06-11T14:53:31","modified_gmt":"2024-06-11T20:53:31","slug":"infonavit-reduce-el-tiempo-de-cotizacion-para-acceder-a-un-credito","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/infonavit-reduce-el-tiempo-de-cotizacion-para-acceder-a-un-credito\/","title":{"rendered":"Infonavit reduce el tiempo de cotizaci\u00f3n para acceder a un cr\u00e9dito"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Por: Rebeca Romero <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><em>Adem\u00e1s del tiempo de cotizaci\u00f3n, el Infonavit toma en cuenta aspectos del trabajador como la edad, salario, ahorro; as\u00ed&nbsp; como el comportamiento del empleador&nbsp;<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La actual administraci\u00f3n del Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit)&nbsp;ha realizado algunos&nbsp;<strong>cambios en su estructura y productos<\/strong>&nbsp;para poder&nbsp;<strong>facilitar<\/strong>&nbsp;que los trabajadores ejercer su&nbsp;<strong>derecho a un cr\u00e9dito<\/strong>&nbsp;y compren su vivienda. Uno de ellos es la&nbsp;<strong>reducci\u00f3n en el tiempo de cotizaci\u00f3n&nbsp;<\/strong>para obtener un financiamiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Anteriormente, los afiliados al Instituto necesitaban al menos 12 meses de cotizaci\u00f3n continua para poder solicitar un Cr\u00e9dito Infonavit.&nbsp;Ahora,&nbsp;<strong>solo<\/strong><strong>&nbsp;son necesarios seis meses de cotizaci\u00f3n<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cabe recordar que, el tiempo de cotizaci\u00f3n continua es un criterio que forma parte de la&nbsp;<a href=\"https:\/\/centrourbano.com\/revista\/vivienda\/precalificacion-credito-infonavit\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>Precalificaci\u00f3n<\/strong><\/a>, documento que eval\u00faa si un trabajador es acreedor a un financiamiento. la cual debes realizar para sacar tu cr\u00e9dito. Por ello, durante el tiempo de cotizaci\u00f3n, contempla aspectos como: bimestres de cotizaci\u00f3n continua, salario mensual integrado, saldo en la Subcuenta de Vivienda, edad, tipo de trabajador.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, el Infonavit tambi\u00e9n considera&nbsp;<strong>factores sobre el empleador<\/strong>&nbsp;de cada persona como el cumplimiento del pago de las aportaciones patronales, estabilidad laboral de sus empleados, contexto de la empresa: ubicaci\u00f3n y giro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dichos aspectos reunir\u00e1n los puntos Infonavit necesarios para acceder a un cr\u00e9dito. De modo que, para conocer si ya se tienen los puntos necesarios para un cr\u00e9dito, se debe solicitar la&nbsp;<strong>Precalificaci\u00f3n<\/strong>. Esta solicitud puede ser realizada&nbsp;<strong>en l\u00ednea desde&nbsp;<a href=\"https:\/\/micuenta.infonavit.org.mx\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Mi Cuenta Infonavit<\/a><\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Es necesario recordar que los&nbsp;<strong>trabajadores necesitan 1,080 puntos<\/strong>&nbsp;para obtener un cr\u00e9dito del Instituto. Mientras que las afiliadas, gracias a&nbsp;<strong>Mujer Infonavit, s\u00f3lo necesitan 1,060 puntos&nbsp;<\/strong>para solicitar un financiamiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/centrourbano.com\/revista\/author\/rebeca-romero\/\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por: Rebeca Romero Adem\u00e1s del tiempo de cotizaci\u00f3n, el Infonavit toma en cuenta aspectos del trabajador como la edad, salario, ahorro; as\u00ed&nbsp; como el comportamiento del empleador&nbsp; La actual administraci\u00f3n del Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit)&nbsp;ha realizado algunos&nbsp;cambios en su estructura y productos&nbsp;para poder&nbsp;facilitar&nbsp;que los trabajadores ejercer su&nbsp;derecho a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":14852,"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":"set","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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