{"id":16919,"date":"2025-02-12T16:42:12","date_gmt":"2025-02-12T22:42:12","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=16919"},"modified":"2025-02-12T16:42:16","modified_gmt":"2025-02-12T22:42:16","slug":"cuales-son-las-ventajas-de-adquirir-un-credito-infonavit","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/cuales-son-las-ventajas-de-adquirir-un-credito-infonavit\/","title":{"rendered":"\u00bfCu\u00e1les son las ventajas de adquirir un cr\u00e9dito Infonavit?"},"content":{"rendered":"\n

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

El cr\u00e9dito Infonavit no cobra comisi\u00f3n por apertura, cuota de administraci\u00f3n, gastos de operaci\u00f3n ni financieros<\/em><\/p>\n\n\n\n

Durante el proceso de compra de una vivienda, una de las decisiones principales es elegir el m\u00e9todo para adquirirla. Por ello, es necesario conocer y evaluar los diferentes tipos de financiamientos<\/strong> que ofrece la banca privada y organismos como el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit<\/a>).<\/p>\n\n\n\n

En ese sentido, el Instituto record\u00f3 que el cr\u00e9dito Infonavit ofrece diversos beneficios a sus afiliados<\/strong> que no podr\u00edan obtener con otras instituciones.<\/p>\n\n\n\n

En primer lugar, el financiamiento tradicional de Infonavit cuenta con tasas de inter\u00e9s que van desde el <\/strong>3.76% hasta el 10.45%<\/strong>, determinadas por el nivel de ingresos de cada trabajador, mientras que, en un banco<\/strong>, la tasa de inter\u00e9s promedio es de 11.5<\/strong> por ciento.<\/p>\n\n\n\n

Con el objetivo de fortalecer el acceso al cr\u00e9dito Infonavit<\/a>, el organismo modific\u00f3 el plazo de pago del financiamiento. Ahora, los acreditados podr\u00e1n liquidar sus hipotecas entre <\/strong>1 y 30 a\u00f1os<\/strong>, siempre que el plazo m\u00e1s la edad del derechohabiente no supere los 70 a\u00f1os para los hombres y 75 para las mujeres<\/p>\n\n\n\n

Por otro lado, a diferencia de un banco, el c<\/strong>r\u00e9dito Infonavit no solicita un<\/strong> enganche<\/strong>, ya que el Instituto utiliza el ahorro acumulado en la Subcuenta de Vivienda de cada derechohabiente.<\/p>\n\n\n\n

En el Infonavit, la revisi\u00f3n del Bur\u00f3 de Cr\u00e9dito es opcional<\/strong>. Sin embargo, el acreditado debe considerar que, si acepta la revisi\u00f3n, el monto de financiamiento podr\u00eda ser mayor y, en caso de no autorizarla, s\u00f3lo tendr\u00e1 acceso al 60% del monto m\u00e1ximo del cr\u00e9dito.<\/p>\n\n\n\n

Adem\u00e1s, el Infonavit no cobra comisi\u00f3n por apertura<\/strong>, cuota de administraci\u00f3n, gastos de operaci\u00f3n ni financieros. Asimismo, si el trabajador gana menos de 9,241 pesos al mes, tampoco pagar\u00e1 los gastos de titulaci\u00f3n<\/strong>.<\/p>\n\n\n\n

Finalmente, a diferencia de los bancos, el Infonavit n<\/strong>o cobra comisiones<\/strong> por pagos adelantados o liquidaci\u00f3n del cr\u00e9dito, lo que permite a los trabajadores abonar dinero extra al pago de su hipoteca cuando lo deseen.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Por: Rebeca Romero El cr\u00e9dito Infonavit no cobra comisi\u00f3n por apertura, cuota de administraci\u00f3n, gastos de operaci\u00f3n ni financieros Durante el proceso de compra de una vivienda, una de las decisiones principales es elegir el m\u00e9todo para adquirirla. Por ello, es necesario conocer y evaluar los diferentes tipos de financiamientos que ofrece la banca privada y organismos […]<\/p>\n","protected":false},"author":1,"featured_media":16920,"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":[55,102,177],"class_list":["post-16919","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-credito","tag-infonavit","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16919","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=16919"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16919\/revisions"}],"predecessor-version":[{"id":16921,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16919\/revisions\/16921"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/16920"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=16919"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=16919"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=16919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}