{"id":7333,"date":"2020-04-30T15:00:31","date_gmt":"2020-04-30T21:00:31","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=7333"},"modified":"2021-09-29T11:35:34","modified_gmt":"2021-09-29T17:35:34","slug":"infonavit-reducira-tasa-de-interes-y-aumentara-monto-de-credito","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/infonavit-reducira-tasa-de-interes-y-aumentara-monto-de-credito\/","title":{"rendered":"Infonavit reducir\u00e1 tasa de inter\u00e9s y aumentar\u00e1 monto de cr\u00e9dito"},"content":{"rendered":"<p>Por Edgar Rosas<\/p>\n<p>El\u00a0<strong>Instituto del Fondo Nacional de la Vivienda para los Trabajadores<\/strong>\u00a0(Infonavit) reducir\u00e1 la\u00a0<strong>tasa de inter\u00e9s<\/strong>\u00a0y\u00a0<strong>aumentar\u00e1 el monto de cr\u00e9dito<\/strong>\u00a0que otorga a los derechohabientes, inform\u00f3\u00a0<strong>Carlos Mart\u00ednez<\/strong>, director general del organismo.<\/p>\n<p>En el marco de la\u00a0<strong>Asamblea General Ordinaria 120<\/strong>, el titular del Infonavit destac\u00f3 que estas medidas se dar\u00e1n a conocer en breve. Detall\u00f3 que con la baja de inter\u00e9s\u00a0<strong>no se eliminar\u00e1 el completo al pago<\/strong>\u00a0que se entrega a trabajadores de menores ingresos.<\/p>\n<blockquote class=\"quote_content\"><p>\u201cPugnamos por reducir la tasa de inter\u00e9s que ofrecemos a nuestros acreditados, manteniendo elementos importantes como el complemento de pago para las personas con menos ingresos. La nueva tasa de inter\u00e9s que daremos a conocer dentro de poco vendr\u00e1 aparejada de un aumento en la capacidad de compra de las y los trabajadores\u201d.<\/p><\/blockquote>\n<p>Carlos Mart\u00ednez enfatiz\u00f3 que estas medidas se acompa\u00f1ar\u00e1n de nuevos esquemas crediticios que lanzar\u00e1 el Instituto. Entre ellos, record\u00f3,\u00a0<strong>Unamos Cr\u00e9ditos<\/strong>\u00a0y\u00a0<strong>Cuenta Infonavit + Cr\u00e9dito Bancario.<\/strong><\/p>\n<p>\u201cEl objetivo de estos\u00a0<a href=\"https:\/\/centrourbano.com\/2020\/03\/24\/prepara-infonavit-programa-permanente-para-reestructurar-creditos\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">programas<\/a>\u00a0y de otras medidas que estamos impulsando en esta Administraci\u00f3n es que el Infonavit sea m\u00e1s \u00fatil para las y los derechohabientes; que empatice con su realidad y les ofrezca soluciones a la medida de sus necesidades\u201d, asegur\u00f3.<\/p>\n<h4>La propuesta<\/h4>\n<p>En diciembre de 2019,\u00a0<a href=\"https:\/\/www.youtube.com\/watch?v=cjrqR3YfCGM&amp;list=PLvyu9gRJBJ5yZ6ym8yBh0IByw1sdIHAfh&amp;index=6\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">Carlos Mart\u00ednez<\/a>\u00a0habl\u00f3 sobre la propuesta para reducir la tasa de inter\u00e9s del organismo. En aquella ocasi\u00f3n, el Director General se\u00f1al\u00f3\u00a0<strong>la necesidad de dar un cambio en el esquema<\/strong>\u00a0de otorgamiento de cr\u00e9dito.<\/p>\n<p>Al respecto, explic\u00f3 que con el actual modelo, y con la tasa de inter\u00e9s de 12%, el Instituto genera un subsidio cruzado. Con este mecanismo, indic\u00f3, se apoya a los trabajadores de menores ingresos.<\/p>\n<p>Expuso que mientras a\u00a0<strong>los trabajadores que ganan m\u00e1s de 6 salarios m\u00ednimos<\/strong>\u00a0se les cobra la tasa completa de 12%, a los trabajadores que ganan entre 1 y 4 salarios m\u00ednimos se otorga un subsidio. As\u00ed, el trabajador que menos gana,\u00a0<strong>obtiene una tasa de 4% sobre sus cr\u00e9ditos<\/strong>. Dicho de otra manera, lo que los trabajadores de mayores ingresos pagan como inter\u00e9s, permite subsidiar a los que menos ganan.<\/p>\n<p>\u201cReducir la tasa contractual implica revisa tomar dos caminos; el primero, en el que eliminamos el subsidio cruzado y bajamos la tasa de inter\u00e9s para todos; o, por otro lado, mantenemos el subsidio cruzado, pero haces una reducci\u00f3n menor a la tasa de 12%\u201d, expuso.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Edgar Rosas El\u00a0Instituto del Fondo Nacional de la Vivienda para los Trabajadores\u00a0(Infonavit) reducir\u00e1 la\u00a0tasa de inter\u00e9s\u00a0y\u00a0aumentar\u00e1 el monto de cr\u00e9dito\u00a0que otorga a los derechohabientes, inform\u00f3\u00a0Carlos Mart\u00ednez, director general del organismo. En el marco de la\u00a0Asamblea General Ordinaria 120, el titular del Infonavit destac\u00f3 que estas medidas se dar\u00e1n a conocer en breve. Detall\u00f3 que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":7334,"comment_status":"closed","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":"default","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":[2590,1034,55,2591,618,102,1148,511,1491],"class_list":["post-7333","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-asamblea-general-ordinaria-120","tag-carlos-martinez","tag-credito","tag-cuenta-infonavit-credito-bancario","tag-derechohabientes","tag-infonavit","tag-instituto-del-fondo-nacional-de-la-vivienda-para-los-trabajadores","tag-tasas-de-interes","tag-unamos-creditos"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7333","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=7333"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7333\/revisions"}],"predecessor-version":[{"id":7335,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/7333\/revisions\/7335"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/7334"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=7333"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=7333"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=7333"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}