{"id":18147,"date":"2025-07-31T11:46:53","date_gmt":"2025-07-31T17:46:53","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=18147"},"modified":"2025-07-31T11:46:59","modified_gmt":"2025-07-31T17:46:59","slug":"subcuenta-de-vivienda-esto-ocurre-con-tu-ahorro-si-renuncias-o-te-despiden","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/subcuenta-de-vivienda-esto-ocurre-con-tu-ahorro-si-renuncias-o-te-despiden\/","title":{"rendered":"Subcuenta de Vivienda: esto ocurre con tu ahorro si renuncias o te despiden"},"content":{"rendered":"\n<p>Redacci\u00f3n<\/p>\n\n\n\n<p><em>Al ser manejada por el Infonavit, la Subcuenta de Vivienda genera rendimientos, a\u00fan sin contar con un empleo&nbsp;<\/em><\/p>\n\n\n\n<p>El Fondo Nacional de la Vivienda para los Trabajadores (<a href=\"https:\/\/portalmx.infonavit.org.mx\/wps\/portal\/infonavitmx\/mx2\/derechohabientes\/!ut\/p\/z1\/hY-9DoJAEISfxYKWXX6Ew-4iiQoJgQbwGgMGDxLgCJzy-l6UxkR0ut35ZjcDDHJgffFoeCEb0Retms_MuTgHxOPeNiKSEopJ5EVm6FhmQF3I_gFM2bgiiirPXsjqBWcBPM-3jZCgGRsRYpImhn_yXdyivQA_ngTAeCvKdx_alxbhwMbqVo3VqN9Hta6lHKadhhrO86xzIXhb6VfRafgtUotJQv5JwtDl2MRdRia6eQLjCZYX\/dz\/d5\/L2dBISEvZ0FBIS9nQSEh\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Infonavit<\/a>), genera la Subcuenta de vivienda de las&nbsp;<strong>aportaciones patronales<\/strong>&nbsp;que realizan los empleadores al bimestre,&nbsp;<strong>equivalentes al 5% del salario&nbsp;<\/strong>de cada trabajador. De manera que, si el derechohabiente pierde su empleo, el patr\u00f3n ya no realizar\u00e1 estos dep\u00f3sitos.<\/p>\n\n\n\n<p>Sin embargo, esto no significa que el dinero acumulado en la Subcuenta de Vivienda se perder\u00e1; al contrario,&nbsp;<strong>este ahorro continuar\u00e1 generar\u00e1 rendimientos<\/strong>&nbsp;pues seguir\u00e1 siendo&nbsp;<strong>administrado por el Infonavit<\/strong>.<\/p>\n\n\n\n<p>Por lo tanto, al volver a trabajar de manera formal, si el nuevo empleador cumple de manera correcta con sus aportaciones al Instituto, el empleado volver\u00e1 a&nbsp;recibir dep\u00f3sitos en tu Subcuenta,&nbsp;<strong>incrementando a\u00fan m\u00e1s su ahorro<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfC\u00f3mo funciona la Subcuenta de Vivienda?<\/h2>\n\n\n\n<p>Como ya se mencion\u00f3, el principal uso de la&nbsp;<a href=\"https:\/\/centrourbano.com\/?s=subcuenta+de+vivienda\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Subcuenta de Vivienda<\/a>&nbsp;es ser una&nbsp;<strong>aportaci\u00f3n para la jubilaci\u00f3n<\/strong>, sin embargo, el ahorro puede ser<strong>&nbsp;utilizado para obtener un cr\u00e9dito Infonavit<\/strong>, dependiendo del producto que elija. Por ejemplo, en las modalidades Cr\u00e9dito Infonavit, Cofinavit, Infonavit Total, el Instituto utiliza todo el fondo de la Subcuenta como pago parcial del financiamiento, de esta forma el trabajador aumentar\u00e1 su capacidad de compra.<\/p>\n\n\n\n<p>Por otra parte, este ahorro tambi\u00e9n busca complementar la pensi\u00f3n de los derechohabientes al momento de su retiro; por ello, el dinero s\u00f3lo podr\u00e1 ser retirado despu\u00e9s de la jubilaci\u00f3n. Cabe mencionar que, en caso de&nbsp;<strong>fallecimiento el trabajador, el ahorro acumulado tampoco se pierde<\/strong>, pues pude ser solicitado por padres, esposo o esposa e hijos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Redacci\u00f3n Al ser manejada por el Infonavit, la Subcuenta de Vivienda genera rendimientos, a\u00fan sin contar con un empleo&nbsp; El Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), genera la Subcuenta de vivienda de las&nbsp;aportaciones patronales&nbsp;que realizan los empleadores al bimestre,&nbsp;equivalentes al 5% del salario&nbsp;de cada trabajador. De manera que, si el derechohabiente pierde [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":18148,"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":[6690,102,4652,177],"class_list":["post-18147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-despido","tag-infonavit","tag-renuncia","tag-vivienda"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/18147","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=18147"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/18147\/revisions"}],"predecessor-version":[{"id":18149,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/18147\/revisions\/18149"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/18148"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=18147"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=18147"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=18147"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}