{"id":8950,"date":"2021-07-08T16:30:01","date_gmt":"2021-07-08T22:30:01","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=8950"},"modified":"2021-09-28T14:34:40","modified_gmt":"2021-09-28T20:34:40","slug":"infonavit-descontara-el-50-de-la-deuda-por-liquidacion-anticipada","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/infonavit-descontara-el-50-de-la-deuda-por-liquidacion-anticipada\/","title":{"rendered":"Infonavit descontar\u00e1 el 50% de la deuda por liquidaci\u00f3n anticipada"},"content":{"rendered":"\n<p>Por Fernanda Hern\u00e1ndez<\/p>\n\n\n\n<p>El&nbsp;<strong><a href=\"https:\/\/centrourbano.com\/2021\/07\/06\/infonavit-extiende-plazo-de-beneficios-para-empresas-que-contraten-a-desempleados-por-covid-19\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Instituto<\/a>&nbsp;del Fondo Nacional de la Vivienda para los Trabajadores<\/strong>&nbsp;(<strong>Infonavit<\/strong>) modific\u00f3 el beneficio y los criterios de elegibilidad del&nbsp;<strong>Programa de Descuentos por Liquidaci\u00f3n Anticipada<\/strong>.<\/p>\n\n\n\n<p>De esta manera, los acreditados que liquiden de manera anticipada el monto restante de su financiamiento podr\u00e1n acceder a un&nbsp;<strong>descuento del 50%<\/strong>; y el&nbsp;<strong>Infonavit<\/strong>&nbsp;se encargar\u00e1 de cubrir la otra mitad del saldo insoluto.<\/p>\n\n\n\n<p>Las nuevas reglas de operaci\u00f3n del&nbsp;<strong>Programa de Descuentos por Liquidaci\u00f3n Anticipada<\/strong>&nbsp;contemplan las siguientes consideraciones:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Participan los cr\u00e9ditos hipotecarios cuya deuda actual es igual o menor al&nbsp;<strong>25% del monto de financiamiento inicial<\/strong>. Para valorar el cumplimiento de esta regla, se actualiza tanto el monto de cr\u00e9dito inicial como el saldo actual con el \u00faltimo valor de la Unidad Mixta Infonavit (UMIX).<\/li><li>En el caso de los&nbsp;<strong>cr\u00e9ditos cofinanciados<\/strong>, el descuento s\u00f3lo aplicar\u00e1 al saldo del financiamiento otorgado por el Infonavit.<\/li><li>Para los cr\u00e9ditos con una&nbsp;<strong>reestructura activa<\/strong>, que considere un porcentaje de quita condicionada al pago; es decir, un monto a cargo del Infonavit y otro monto a cargo del acreditado, el porcentaje de descuento considerar\u00e1 el saldo total del financiamiento.<\/li><li>No aplica para los cr\u00e9ditos&nbsp;<strong>Infonavit Total<\/strong>,&nbsp;<strong>Infonavit Total AG<\/strong>,&nbsp;<strong>Mejoravit<\/strong>,&nbsp;<strong>Arrendavit<\/strong>,&nbsp;<strong>Tu Casa es Posible<\/strong>,&nbsp;<strong>ConstruYO<\/strong>,&nbsp;<strong>Segundo Cr\u00e9dito<\/strong>,&nbsp;<strong>Cumplir Cuenta<\/strong>,&nbsp;<strong>Responsabilidad Compartida<\/strong>&nbsp;y&nbsp;<strong>Fideicomisos<\/strong>.<\/li><\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00bfC\u00f3mo se obtiene este descuento?<\/strong><\/h4>\n\n\n\n<p>El Instituto explic\u00f3 que para determinar si un cr\u00e9dito puede aplicar a un descuento por liquidaci\u00f3n anticipada, los acreditados deben ingresar a&nbsp;<strong>Mi Cuenta Infonavit<\/strong>&nbsp;y realizar la consulta en la secci\u00f3n&nbsp;<strong>Saldos y Movimientos<\/strong>; o tambi\u00e9n a trav\u00e9s de&nbsp;<strong>Infonatel<\/strong>.<\/p>\n\n\n\n<p>Si el cr\u00e9dito sea elegible para este programa, se indicar\u00e1 el monto a pagar con el descuento; as\u00ed como la fecha l\u00edmite.<\/p>\n\n\n\n<p>El pago para liquidar la deuda hipotecaria puede realizarse en&nbsp;<strong>cualquier banco<\/strong>, s\u00f3lo se necesita un n\u00famero de cr\u00e9dito que servir\u00e1 referencia. Adem\u00e1s, la liquidaci\u00f3n se puede realizar en una sola exhibici\u00f3n o en varios pagos durante el mes.<\/p>\n\n\n\n<p>Anteriormente, este programa otorgaba descuentos de entre 5% y 40%, seg\u00fan el&nbsp;<strong>nivel de ingreso<\/strong>&nbsp;del trabajador al momento de la originaci\u00f3n del cr\u00e9dito; as\u00ed como la&nbsp;<strong>antig\u00fcedad del financiamiento<\/strong>, que ten\u00eda que ser de al menos 10 a\u00f1os. De igual forma, se elimin\u00f3 el criterio de elegibilidad relacionado con el&nbsp;<strong>monto de originaci\u00f3n<\/strong>; el cual deb\u00eda ser menor o igual a 236 veces el salario m\u00ednimo.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Fernanda Hern\u00e1ndez El&nbsp;Instituto&nbsp;del Fondo Nacional de la Vivienda para los Trabajadores&nbsp;(Infonavit) modific\u00f3 el beneficio y los criterios de elegibilidad del&nbsp;Programa de Descuentos por Liquidaci\u00f3n Anticipada. De esta manera, los acreditados que liquiden de manera anticipada el monto restante de su financiamiento podr\u00e1n acceder a un&nbsp;descuento del 50%; y el&nbsp;Infonavit&nbsp;se encargar\u00e1 de cubrir la otra [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":8951,"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":[1025,56,1284],"class_list":["post-8950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-acreditados","tag-credito-hipotecario","tag-descuentos"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/8950","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=8950"}],"version-history":[{"count":1,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/8950\/revisions"}],"predecessor-version":[{"id":8952,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/8950\/revisions\/8952"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/8951"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=8950"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=8950"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=8950"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}