{"id":7479,"date":"2020-05-29T14:45:00","date_gmt":"2020-05-29T20:45:00","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=7479"},"modified":"2021-09-29T11:16:44","modified_gmt":"2021-09-29T17:16:44","slug":"infonavit-reporta-avance-de-47-en-esquema-unamos-creditos","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/infonavit-reporta-avance-de-47-en-esquema-unamos-creditos\/","title":{"rendered":"Infonavit reporta avance de 47% en esquema Unamos Cr\u00e9ditos"},"content":{"rendered":"<p>Por Fernanda Hern\u00e1ndez<\/p>\n<p>El\u00a0<strong>Instituto del Fondo Nacional para la Vivienda de los Trabajadores (Infonavit)<\/strong>\u00a0registr\u00f3 un\u00a0<strong>avance del 47% en el\u00a0<a href=\"https:\/\/centrourbano.com\/2019\/11\/14\/infonavit-unamos-creditos-2020\/\" target=\"_blank\" rel=\"noopener noreferrer nofollow\">esquema<\/a>\u00a0Unamos Cr\u00e9ditos<\/strong>, esto respecto a la meta para este a\u00f1o de otorgar 14,000 financiamientos.<\/p>\n<p><strong>Unamos Cr\u00e9ditos<\/strong>\u00a0permite a dos personas sin relaci\u00f3n jur\u00eddica o familiares juntar el saldo de su subcuenta de vivienda para\u00a0<strong>adquirir un mayor monto de financiamiento<\/strong>. Con ello, el\u00a0<strong>Infonavit<\/strong>\u00a0facilita el acceso a la vivienda adecuada, en l\u00ednea con el\u00a0<strong>Programa Nacional de Vivienda,<\/strong>\u00a0fomenta la inclusi\u00f3n financiera, adem\u00e1s que previene la exclusi\u00f3n de los trabajadores de menos ingresos a la periferia de las urbes.<\/p>\n<p>A la fecha, el Instituto ha otorgado\u00a0<strong>6,648 cr\u00e9ditos<\/strong>\u00a0bajo este esquema, lo que representa la adquisici\u00f3n de\u00a0<strong>3,324 viviendas<\/strong>, con un valor promedio de 646,755 pesos, de los cuales, 61% corresponden a trabajadores que ganan menos de 2.7 UMAs (7,131 pesos mensuales).<\/p>\n<p>Del total de cr\u00e9ditos otorgados,\u00a0<strong>2,278 han sido ejercidos por familiares,\u00a0<\/strong>de ellos, 33% corresponde a la uni\u00f3n de la subcuenta de vivienda entre hermanos y 67% entre padres e hijos. Mientras que,\u00a0<strong>4,370 financiamientos se otorgaron a corresidentes<\/strong>; 74% a parejas sin relaci\u00f3n jur\u00eddica y 26% a amigos.<\/p>\n<p>Cabe destacar que el\u00a0<strong>49%<\/strong>\u00a0de los cr\u00e9ditos otorgados a trav\u00e9s de\u00a0<strong>Unamos Cr\u00e9ditos<\/strong>\u00a0se concentran en cinco entidades:\u00a0<strong>Quintana Roo, Nuevo Le\u00f3n, Jalisco, Estado de M\u00e9xico y Baja California,<\/strong>\u00a0donde los precios de las viviendas obligan a los trabajadores a adquirir una vivienda en la periferia de las ciudades, lo cual afecta su calidad de vida al invertir una mayor cantidad de tiempo y dinero en transporte.<\/p>\n<p>El\u00a0<strong>Infonavit<\/strong>\u00a0precis\u00f3 que los\u00a0<strong>requisitos<\/strong>\u00a0para tramitar una hipoteca bajo este esquema son los mismos que se solicitan para un cr\u00e9dito tradicional; esto debido a que cada uno de los acreditados se eval\u00faa de forma Individual. De esta manera, ambas personas deben cumplir con los criterios de elegibilidad, es decir, tener una\u00a0<strong>relaci\u00f3n laboral vigente<\/strong>\u00a0y cumplir con los\u00a0<strong>116 puntos de precalificaci\u00f3n<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Fernanda Hern\u00e1ndez El\u00a0Instituto del Fondo Nacional para la Vivienda de los Trabajadores (Infonavit)\u00a0registr\u00f3 un\u00a0avance del 47% en el\u00a0esquema\u00a0Unamos Cr\u00e9ditos, esto respecto a la meta para este a\u00f1o de otorgar 14,000 financiamientos. Unamos Cr\u00e9ditos\u00a0permite a dos personas sin relaci\u00f3n jur\u00eddica o familiares juntar el saldo de su subcuenta de vivienda para\u00a0adquirir un mayor monto de 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