{"id":16480,"date":"2024-12-18T14:42:26","date_gmt":"2024-12-18T20:42:26","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=16480"},"modified":"2024-12-18T14:42:28","modified_gmt":"2024-12-18T20:42:28","slug":"ventajas-de-las-aportaciones-extraordinarias-al-infonavit","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/ventajas-de-las-aportaciones-extraordinarias-al-infonavit\/","title":{"rendered":"Ventajas de las aportaciones extraordinarias al Infonavit"},"content":{"rendered":"\n<p>Por: Rebeca Romero <\/p>\n\n\n\n<p><em>Las aportaciones extraordinarias a la Subcuenta de Vivienda generar\u00e1n rendimientos y permitir\u00e1n alcanzar un mayor monto de cr\u00e9dito<\/em><\/p>\n\n\n\n<p>Desde que las personas comienzan a trabajar en un empleo formal,&nbsp;<strong>empiezan a acumular un ahorro<\/strong>&nbsp;en el en el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (<a href=\"https:\/\/centrourbano.com\/vivienda\/aumentar-credito-infonavit\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Infonavit<\/a>). Este ahorro es la&nbsp;<strong>Subcuenta de Vivienda<\/strong>, la cual tiene el objetivo de ser un&nbsp;<strong>fondo para el retiro<\/strong>. Sin embargo, tambi\u00e9n puede utilizarse para obtener un cr\u00e9dito.<\/p>\n\n\n\n<p>Cada bimestre, los empleadores formales est\u00e1n obligados a aportar el&nbsp;<strong>5% del salario diario integrado<\/strong>&nbsp;de todos los trabajadores a la Subcuenta de Vivienda, administrada por<strong>&nbsp;el Infonavit<\/strong>. De acuerdo con la Ley del Instituto, este dinero debe generar ganancias, por lo que los empleados conseguir\u00e1n un mayor lo que permite a los empleados aumentar su ahorro para el retiro.<\/p>\n\n\n\n<p>Adem\u00e1s, los derechohabientes pueden realizar&nbsp;<strong>aportaciones extraordinarias<\/strong>&nbsp;a su Subcuenta de Vivienda para incrementar su ahorro. Estas contribuciones adicionales no solo generan rendimientos, sino que tambi\u00e9n&nbsp;<strong>ayudan a cumplir m\u00e1s r\u00e1pido los requisitos de precalificaci\u00f3n para obtener un Cr\u00e9dito Infonavit<\/strong>. Asimismo, incrementan la capacidad de compra al sumarse al monto total del cr\u00e9dito.<\/p>\n\n\n\n<p>Para realizar las aportaciones extraordinarias, solo es necesario contar con una Subcuenta de vivienda. Estas aportaciones pueden ser hechas tanto por afiliados que&nbsp;<strong>no coticen actualmente al Infonavit<\/strong>&nbsp;como por aquellos inscritos en el programa de Personas Trabajadoras Independientes y del Hogar.<\/p>\n\n\n\n<p>El procedimiento se realiza en l\u00ednea a trav\u00e9s de&nbsp;<strong>Mi Cuenta Infonavit<\/strong>, donde los derechohabientes pueden generar una ficha de pago para depositar el dinero directamente en su Subcuenta de Vivienda.<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 Las aportaciones extraordinarias a la Subcuenta de Vivienda generar\u00e1n rendimientos y permitir\u00e1n alcanzar un mayor monto de cr\u00e9dito Desde que las personas comienzan a trabajar en un empleo formal,&nbsp;empiezan a acumular un ahorro&nbsp;en el en el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit). Este ahorro es la&nbsp;Subcuenta de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16481,"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":[102,177],"class_list":["post-16480","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-infonavit","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16480","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=16480"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16480\/revisions"}],"predecessor-version":[{"id":16482,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16480\/revisions\/16482"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/16481"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=16480"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=16480"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=16480"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}