{"id":15920,"date":"2024-11-04T13:20:53","date_gmt":"2024-11-04T19:20:53","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=15920"},"modified":"2024-11-04T13:20:56","modified_gmt":"2024-11-04T19:20:56","slug":"como-funciona-cuenta-infonavit-credito-bancario-2","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/como-funciona-cuenta-infonavit-credito-bancario-2\/","title":{"rendered":"\u00bfC\u00f3mo funciona Cuenta Infonavit + Cr\u00e9dito Bancario?"},"content":{"rendered":"\n

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

Al utilizar Cuenta Infonavit + Cr\u00e9dito Bancario, banco financiar\u00e1 el 70% y el Instituto el 30% restante<\/em><\/p>\n\n\n\n

Como es sabido, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>) tiene como principal objetivo apoyar a los trabajadores en la adquisici\u00f3n de una vivienda propia<\/strong>. Por ello, el organismo cuenta con diversos programas que apoyan este fin, sin necesidad de que los afiliados se encuentren cotizando.<\/p>\n\n\n\n

Por ejemplo, a trav\u00e9s de Cuenta Infonavit + Cr\u00e9dito Bancario<\/strong>, el Instituto permite a los derechohabientes que alguna vez realizaron aportaciones utilizar su Subcuenta de Vivienda<\/strong> como parte del enganche de una hipoteca bancaria<\/strong>.<\/p>\n\n\n\n

En este producto, los ahorros acumulados con el Infonavit pueden sumarse a los cr\u00e9ditos otorgados por los bancos: Banorte, <\/strong>BBVA, <\/strong>HSBC, <\/strong>Mifel, <\/strong>Santander y <\/strong>Scotiabank<\/strong>.<\/p>\n\n\n\n

Cabe mencionar que, al solicitar este cr\u00e9dito, cada banco evaluar\u00e1 la capacidad de pago de los afiliados al Instituto. De esta forma, se determinar\u00e1 el monto del cr\u00e9dito al que puede acceder, as\u00ed como el plazo para pagarlo. Del total cr\u00e9dito autorizado, el banco financiar\u00e1 el 70% y el Infonavit el 30% restante<\/strong>.<\/p>\n\n\n\n

Requisitos para solicitar Cuenta Infonavit + Cr\u00e9dito Bancario<\/h2>\n\n\n\n

De acuerdo con el Infonavit, adem\u00e1s de cumplir con los requisitos del banco seleccionado, es necesario que el afiliado cuente con ahorros en la Subcuenta de Vivienda <\/strong>y est\u00e9  registrado en una Afore<\/strong>.<\/p>\n\n\n\n

Tambi\u00e9n es necesario descargar el certificado de \u2018Cuenta Infonavit + Cr\u00e9dito Bancario\u2019<\/strong> que se puede obtener en Mi Cuenta Infonavit<\/a> y tomar el curso en l\u00ednea \u2018Saber m\u00e1s para decidir mejor\u2019.<\/p>\n\n\n\n

Al contar con el certificado, el solicitante deber\u00e1 llevarlo junto con su expediente al banco de su preferencia para que su perfil sea evaluado y se determine su monto de cr\u00e9dito.<\/p>\n\n\n\n

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

Por: Rebeca Romero Al utilizar Cuenta Infonavit + Cr\u00e9dito Bancario, banco financiar\u00e1 el 70% y el Instituto el 30% restante Como es sabido, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) tiene como principal objetivo apoyar a los trabajadores en la adquisici\u00f3n de una vivienda propia. Por ello, el organismo cuenta con diversos […]<\/p>\n","protected":false},"author":1,"featured_media":15921,"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":[1970,2591,177],"class_list":["post-15920","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-cuenta-infonavit","tag-cuenta-infonavit-credito-bancario","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15920","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=15920"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15920\/revisions"}],"predecessor-version":[{"id":15922,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/15920\/revisions\/15922"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/15921"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=15920"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=15920"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=15920"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}