{"id":9688,"date":"2022-02-16T17:30:53","date_gmt":"2022-02-16T23:30:53","guid":{"rendered":"http:\/\/hombresymujeresdelacasa.com\/home\/?p=9688"},"modified":"2022-02-16T17:30:57","modified_gmt":"2022-02-16T23:30:57","slug":"como-funciona-el-credito-tradicional-de-fovissste-esto-dice-el-bim","status":"publish","type":"post","link":"https:\/\/hombresymujeresdelacasa.com\/home\/como-funciona-el-credito-tradicional-de-fovissste-esto-dice-el-bim\/","title":{"rendered":"\u00bfC\u00f3mo funciona el cr\u00e9dito Tradicional de Fovissste? Esto dice el BIM"},"content":{"rendered":"\n<p>Por Fernanda Hern\u00e1ndez<\/p>\n\n\n\n<p>El&nbsp;<strong>Fondo de la Vivienda del Instituto de Seguridad y Servicios Sociales para los Trabajadores del Estado<\/strong>&nbsp;(<strong>Fovissste<\/strong>) ofrece a sus derechohabientes diversas opciones de financiamiento para acceder a una vivienda.<\/p>\n\n\n\n<p>Uno de esos productos es el&nbsp;<strong>Cr\u00e9dito Tradicional<\/strong>, que, desde 2017, se otorga mediante el&nbsp;<strong>Sistema de Puntaje<\/strong>; en donde, a trav\u00e9s de una convocatoria abierta, participan trabajadores activos que, de manera peri\u00f3dica (m\u00ednimamente 18 meses), aporten a la&nbsp;<strong>Subcuenta de Vivienda del Fovissste<\/strong>.<\/p>\n\n\n\n<p>No obstante, el&nbsp;<strong>Banco Inmobiliario Mexicano<\/strong>&nbsp;(<strong>BIM<\/strong>) destac\u00f3 que muchos trabajadores, sobre todo j\u00f3venes que reci\u00e9n se incorporan a alguna dependencia del sector p\u00fablico, no conocen al 100% el funcionamiento de este esquema crediticio; a pesar de que \u00e9ste ya lleva un largo tiempo dentro del mercado.<\/p>\n\n\n\n<p><strong>Gregorio S\u00e1nchez<\/strong>,&nbsp;<strong>director Corporativo de Negocios del BIM<\/strong>, destac\u00f3 la importancia de que los trabajadores del Estado sepan c\u00f3mo funciona la asignaci\u00f3n de puntos.<\/p>\n\n\n\n<p>\u201cEl&nbsp;<strong>Sistema de Puntaje<\/strong>&nbsp;surge a trav\u00e9s de la reforma al art\u00edculo 179\u00b0 de la&nbsp;<strong>Ley del ISSSTE<\/strong>&nbsp;y el&nbsp;<strong>Acuerdo del Comit\u00e9 de Cr\u00e9ditos<\/strong>. Funge como un esquema que permite al&nbsp;<strong>Fovissste<\/strong>&nbsp;realizar la selecci\u00f3n y priorizaci\u00f3n de las solicitudes de&nbsp;<strong>Cr\u00e9dito Tradicional<\/strong>; sustituyendo el procedimiento aleatorio por un sistema m\u00e1s eficaz, confiable, transparente y justo\u201d, explic\u00f3.<\/p>\n\n\n\n<p>El directivo agreg\u00f3 que la&nbsp;<strong>asignaci\u00f3n de puntos<\/strong>&nbsp;se realiza a trav\u00e9s de varios criterios; entre los que se destacan:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Bimestres cotizando en Fovissste<\/li><li>Monto en el Sistema de Ahorro para el Retiro (SAR)<\/li><li>Edad del trabajador<\/li><li>Sueldo percibido mensualmente<\/li><li>Oferta y demanda regional de vivienda<\/li><\/ul>\n\n\n\n<p>\u201cPara acceder a un&nbsp;<strong>Cr\u00e9dito Tradicional<\/strong>, el solicitante deber\u00e1 sumar los puntos obtenidos en los rubros anteriores y alcanzar una puntuaci\u00f3n m\u00ednima de 80\u201d, indic\u00f3&nbsp;<strong>S\u00e1nchez<\/strong>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Por Fernanda Hern\u00e1ndez El&nbsp;Fondo de la Vivienda del Instituto de Seguridad y Servicios Sociales para los Trabajadores del Estado&nbsp;(Fovissste) ofrece a sus derechohabientes diversas opciones de financiamiento para acceder a una vivienda. Uno de esos productos es el&nbsp;Cr\u00e9dito Tradicional, que, desde 2017, se otorga mediante el&nbsp;Sistema de Puntaje; en donde, a trav\u00e9s de una convocatoria [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9689,"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":"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":[267,86],"class_list":["post-9688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias","tag-credito-tradicional","tag-fovissste"],"_links":{"self":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/9688","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=9688"}],"version-history":[{"count":2,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/9688\/revisions"}],"predecessor-version":[{"id":9691,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/posts\/9688\/revisions\/9691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media\/9689"}],"wp:attachment":[{"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/media?parent=9688"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/categories?post=9688"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hombresymujeresdelacasa.com\/home\/wp-json\/wp\/v2\/tags?post=9688"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}