{"id":16975,"date":"2025-02-19T15:06:21","date_gmt":"2025-02-19T21:06:21","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=16975"},"modified":"2025-02-19T15:06:25","modified_gmt":"2025-02-19T21:06:25","slug":"como-funciona-el-credito-cofinavit-2","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/como-funciona-el-credito-cofinavit-2\/","title":{"rendered":"\u00bfC\u00f3mo funciona el cr\u00e9dito Cofinavit?"},"content":{"rendered":"\n<p>Por: Rebeca Romero <\/p>\n\n\n\n<p><em>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<p>Para que los trabajadores puedan acceder a la vivienda que desean, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (<a href=\"https:\/\/portalmx.infonavit.org.mx\/wps\/portal\/infonavit.web\/proveedores-externos\/para-tu-gestion\/entidades-financieras\/!ut\/p\/z0\/04_Sj9CPykssy0xPLMnMz0vMAfIjo8zizdwNDDycTQz93L0MjAwC_Z1CAkKNnIzNQs31C7IdFQFYW3kj\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Infonavit<\/a>) tiene disponible el&nbsp;<strong>cr\u00e9dito Cofinavit<\/strong>. Mediante este programa, los afiliados podr\u00e1n&nbsp;<strong>sumar el financiamiento otorgado por el Instituto<\/strong>&nbsp;y<strong>&nbsp;el pr\u00e9stamo de otra entidad financiera<\/strong>.<\/p>\n\n\n\n<p>Este de cr\u00e9dito es recomendable en caso de que los derechohabientes deseen comprar un&nbsp;<strong>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<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo se conforma el Cofinavit?<\/h2>\n\n\n\n<p>Como ya se mencion\u00f3, este financiamiento est\u00e1&nbsp;<strong>conformado por dos partes.<\/strong>&nbsp;La primera corresponde al&nbsp;<a href=\"https:\/\/centrourbano.com\/vivienda\/precalificacion-credito-infonavit\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>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 otorga el Instituto es fija, de 10.45% anual sobre saldos insolutos, para todos los niveles salariales.<\/p>\n\n\n\n<p>Cabe mencionar que, en este caso, el organismo&nbsp;<strong>abona las aportaciones patronales al capital del financiamiento<\/strong>;&nbsp;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<p>El monto m\u00e1ximo que Infonavit puede entregar es de 2,217,700 millones de pesos (mdp), pero con&nbsp;<strong>Cofinavit la suma m\u00e1xima es de 1,072,671 pesos<\/strong>. Sin embargo, el Instituto calcula el monto correspondiente de acuerdo con la capacidad de pago de cada acreditado.<\/p>\n\n\n\n<p>Para&nbsp;<strong>iniciar el tr\u00e1mite,<\/strong>&nbsp;el afiliado deber\u00e1&nbsp;<strong>acudir al banco de su elecci\u00f3n<\/strong>, como BBVA o Scotiabank. Una vez aprobado el pr\u00e9stamo, el banco gestionar\u00e1 la coordinaci\u00f3n con Infonavit para completar el proceso.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 que desean, el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) tiene disponible el&nbsp;cr\u00e9dito Cofinavit. Mediante este [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16976,"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":[2670,102,177],"class_list":["post-16975","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-cofinavit","tag-infonavit","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16975","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=16975"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16975\/revisions"}],"predecessor-version":[{"id":16977,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/16975\/revisions\/16977"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/16976"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=16975"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=16975"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=16975"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}