{"id":17412,"date":"2025-04-15T12:35:57","date_gmt":"2025-04-15T18:35:57","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=17412"},"modified":"2025-04-15T12:36:02","modified_gmt":"2025-04-15T18:36:02","slug":"fovissste-entran-en-vigor-programas-de-condonacion-de-deudas","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/fovissste-entran-en-vigor-programas-de-condonacion-de-deudas\/","title":{"rendered":"Fovissste: Entran en vigor programas de condonaci\u00f3n de deudas"},"content":{"rendered":"\n<p>Redacci\u00f3n<\/p>\n\n\n\n<p><em>A partir de hoy entran en vigor los programas de quitas y condonaci\u00f3n de cr\u00e9ditos del Fovissste, con efectos retroactivos al 1 de enero de 2025<\/em><\/p>\n\n\n\n<p>El Gobierno de Federal public\u00f3 en el&nbsp;<strong>Diario Oficial de la Federaci\u00f3n<\/strong>&nbsp;(<a href=\"https:\/\/centrourbano.com\/revista\/vivienda\/fovissste-dof-condonaciones\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">DOF<\/a>) los&nbsp;<strong>programas para facilitar la liquidaci\u00f3n de los cr\u00e9ditos<\/strong>&nbsp;del&nbsp;<a href=\"https:\/\/www.fovissste.gob.mx\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Fondo<\/a>&nbsp;de la Vivienda del Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (Fovissste).<\/p>\n\n\n\n<p>En acuerdo con la Junta Directiva,&nbsp;<strong>a partir de hoy entran en vigor<\/strong>&nbsp;los siguientes programas:<\/p>\n\n\n\n<p><strong>Programa de Certeza Jur\u00eddica<\/strong>: Beneficiar\u00e1 a 933 acreditados que cumplan con los siguientes requisitos: tener 55 a\u00f1os o m\u00e1s, contar con estatus de pensionado o pensionada y presentar un&nbsp;<strong>saldo pendiente igual o menor a 30,000 pesos<\/strong>. Los beneficiarios ser\u00e1n notificados a trav\u00e9s de su estado de cuenta.<\/p>\n\n\n\n<p><strong>Programa de Reestructura de Cr\u00e9ditos<\/strong>: Permitir\u00e1 reestructurar cr\u00e9ditos originados en Unidad de Medida y Actualizaci\u00f3n (UMA) a pesos. Los criterios para cada apoyo incluyen tener un cr\u00e9dito vigente con saldo.<\/p>\n\n\n\n<p>En el caso de personas&nbsp;<strong>trabajadores en activo<\/strong>, el&nbsp;<strong>saldo restante debe ser mayor al monto inicial otorgado<\/strong>. Para las personas&nbsp;<strong>jubiladas<\/strong>, el financiamiento debe haberse originado cuando se encontraba en activo y actualmente&nbsp;<strong>deben registrar un descuento del 30% de su pensi\u00f3n<\/strong>&nbsp;por concepto de amortizaci\u00f3n de cr\u00e9dito hipotecario.<\/p>\n\n\n\n<p>En ambos casos, el adeudo vencido no debe derivarse de omisiones en los pagos, y el monto acumulado debe ser equivalente a seis meses de su obligaci\u00f3n mensual.<\/p>\n\n\n\n<p><strong>Programa de Liquidaci\u00f3n de Cr\u00e9ditos<\/strong>: Este programa permitir\u00e1 la&nbsp;<strong>liquidaci\u00f3n autom\u00e1tica<\/strong>&nbsp;y centralizada de ciertos cr\u00e9ditos. Los principales beneficiarios ser\u00e1n:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Acreditados que hayan pagado el doble del monto original prestado y a\u00fan mantengan un saldo superior al 50 % de ese monto.<\/li>\n\n\n\n<li>Derechohabientes con un saldo insoluto inferior al 10 % del cr\u00e9dito.<\/li>\n\n\n\n<li>Personas mayores de 60 a\u00f1os que hayan pagado m\u00e1s del doble del importe originalmente prestado o que tengan un cr\u00e9dito con m\u00e1s de 30 a\u00f1os de antig\u00fcedad.<\/li>\n\n\n\n<li>Cr\u00e9ditos con al menos 20 a\u00f1os de originaci\u00f3n y\/o que hayan pagado m\u00e1s del doble del monto inicial.<\/li>\n<\/ol>\n\n\n\n<p>En estos casos, el Fovissste informar\u00e1 a los acreditados si son acreedores del beneficio y les entregar\u00e1 su&nbsp;<strong>Constancia de Finiquito junto con el estado de cuenta en cero<\/strong>.<\/p>\n\n\n\n<p>Estos programas estar\u00e1n vigentes durante un a\u00f1o a partir de su publicaci\u00f3n en el DOF y tendr\u00e1n efectos&nbsp;<strong>retroactivos al 1 de enero de 2025<\/strong>.<a href=\"https:\/\/centrourbano.com\/revista\/author\/editorial\/\" rel=\"nofollow noopener\" target=\"_blank\"><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Redacci\u00f3n A partir de hoy entran en vigor los programas de quitas y condonaci\u00f3n de cr\u00e9ditos del Fovissste, con efectos retroactivos al 1 de enero de 2025 El Gobierno de Federal public\u00f3 en el&nbsp;Diario Oficial de la Federaci\u00f3n&nbsp;(DOF) los&nbsp;programas para facilitar la liquidaci\u00f3n de los cr\u00e9ditos&nbsp;del&nbsp;Fondo&nbsp;de la Vivienda del Instituto de Seguridad y Servicios Sociales [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17413,"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 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