{"id":15294,"date":"2024-08-09T15:50:49","date_gmt":"2024-08-09T21:50:49","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=15294"},"modified":"2024-08-09T15:50:51","modified_gmt":"2024-08-09T21:50:51","slug":"credito-cofinavit-que-es-y-como-funciona","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/credito-cofinavit-que-es-y-como-funciona\/","title":{"rendered":"Cr\u00e9dito Cofinavit, qu\u00e9 es y c\u00f3mo funciona"},"content":{"rendered":"\n

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

Cofinavit es recomendable en caso de que los derechohabientes deseen comprar un inmueble m\u00e1s costoso de lo que su cr\u00e9dito Infonavit puede cubrir<\/em><\/p>\n\n\n\n

Para que los trabajadores puedan acceder a la vivienda de sus sue\u00f1os, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>) tiene disponible el cr\u00e9dito Cofinavit<\/strong>. Mediante este programa, los afiliados podr\u00e1n sumar el financiamiento otorgado por el Instituto<\/strong> m\u00e1s el pr\u00e9stamo de otra entidad financiera<\/strong>.<\/p>\n\n\n\n

Este tipo de cr\u00e9dito es recomendable en caso de que los derechohabientes deseen comprar un inmueble m\u00e1s costoso de lo que su cr\u00e9dito Infonavit puede cubrir<\/strong>. Los trabajadores pueden utilizar esta hipoteca para comprar una casa nueva o existente.<\/p>\n\n\n\n

\u00bfC\u00f3mo se conforma el Cofinavit?<\/h2>\n\n\n\n

Como ya se mencion\u00f3, este financiamiento est\u00e1 conformado por dos partes<\/strong>, la primera es el cr\u00e9dito Infonavit<\/strong><\/a>, el cual ser\u00e1 liquidado a trav\u00e9s de la n\u00f3mina del trabajador. La tasa de inter\u00e9s que da el Infonavit es fija, de 10.45% anual sobre saldos insolutos, para todos los niveles salariales.<\/p>\n\n\n\n

Cabe mencionar que en este caso, el organismo abona las aportaciones patronales al capital del financiamiento<\/strong>, as\u00ed los trabajadores podr\u00e1n liquidar su hipoteca m\u00e1s r\u00e1pido. Una vez liquidado el cr\u00e9dito de Infonavit, el Instituto direcciona las aportaciones subsecuentes al cr\u00e9dito otorgado por el banco elegido.<\/p>\n\n\n\n

El monto m\u00e1ximo que Infonavit puede entregar son 2,217,700 millones de pesos (mdp), pero con Cofinavit la suma m\u00e1xima es de 1,072,671 pesos<\/strong>; sin embargo, el Instituto va a calcular el monto correspondiente de acuerdo con la capacidad de pago de cada acreditado.<\/p>\n\n\n\n

Para comenzar el tr\u00e1mite<\/strong>, el afiliado deber\u00e1 acudir al banco que haya elegido utilizar en el cr\u00e9dito<\/strong>, por ejemplo, BBVA y Scotiabank. Cuando este haya aprobado el pr\u00e9stamo, se encargar\u00e1 de continuar el tr\u00e1mite con Infonavit.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Por: Rebeca Romero Cofinavit es recomendable en caso de que los derechohabientes deseen comprar un inmueble m\u00e1s costoso de lo que su cr\u00e9dito Infonavit puede cubrir Para que los trabajadores puedan acceder a la vivienda de sus sue\u00f1os, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) tiene disponible el cr\u00e9dito Cofinavit. Mediante […]<\/p>\n","protected":false},"author":1,"featured_media":15295,"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 center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[4],"tags":[2670,55,102],"class_list":["post-15294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-cofinavit","tag-credito","tag-infonavit"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15294","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/comments?post=15294"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15294\/revisions"}],"predecessor-version":[{"id":15296,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15294\/revisions\/15296"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/15295"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=15294"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=15294"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=15294"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}