{"id":18789,"date":"2025-11-07T16:10:27","date_gmt":"2025-11-07T22:10:27","guid":{"rendered":"https:\/\/hombresymujeresdelacasa.com\/home\/?p=18789"},"modified":"2025-11-07T16:10:32","modified_gmt":"2025-11-07T22:10:32","slug":"como-funciona-el-credito-cofinavit-3","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/como-funciona-el-credito-cofinavit-3\/","title":{"rendered":"\u00bfC\u00f3mo funciona el cr\u00e9dito Cofinavit?"},"content":{"rendered":"\n

Redacci\u00f3n <\/p>\n\n\n\n

Cofinavit es recomendable en caso de que los derechohabientes deseen comprar un inmueble m\u00e1s costoso de lo que puede cubrir su cr\u00e9dito Infonavit<\/em><\/p>\n\n\n\n

Para que los trabajadores puedan acceder a la vivienda que desean, el Infonavit<\/a> tiene disponible el cr\u00e9dito Cofinavit<\/strong>. Mediante este programa, los afiliados podr\u00e1n sumar el financiamiento otorgado por el Instituto<\/strong> y el pr\u00e9stamo de otra entidad financiera<\/strong>.<\/p>\n\n\n\n

Este de cr\u00e9dito es recomendable en caso de que los derechohabientes deseen comprar un 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

\u00bfC\u00f3mo se conforma el Cofinavit?<\/h2>\n\n\n\n

Como ya se mencion\u00f3, este financiamiento est\u00e1 conformado por dos partes.<\/strong> La primera corresponde al 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

Cabe mencionar que, en este caso, el organismo abona las aportaciones patronales al capital del financiamiento<\/strong>; 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

El monto m\u00e1ximo que Infonavit es de 2.8 millones de pesos (mdp), pero con Cofinavit la suma m\u00e1xima es de 1,117,823 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

Para iniciar el tr\u00e1mite,<\/strong> el afiliado deber\u00e1 acudir al banco de su elecci\u00f3n<\/strong>. Una vez aprobado el pr\u00e9stamo, el banco gestionar\u00e1 la coordinaci\u00f3n con Infonavit para completar el proceso.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Redacci\u00f3n Cofinavit es recomendable en caso de que los derechohabientes deseen comprar un inmueble m\u00e1s costoso de lo que puede cubrir su cr\u00e9dito Infonavit Para que los trabajadores puedan acceder a la vivienda que desean, el Infonavit tiene disponible el cr\u00e9dito Cofinavit. Mediante este programa, los afiliados podr\u00e1n sumar el financiamiento otorgado por el Instituto y el pr\u00e9stamo de otra entidad […]<\/p>\n","protected":false},"author":1,"featured_media":18790,"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-18789","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\/18789","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=18789"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/18789\/revisions"}],"predecessor-version":[{"id":18791,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/18789\/revisions\/18791"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/18790"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=18789"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=18789"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=18789"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}