\n
El Infonavit y la Asociaci\u00f3n de Bancos de M\u00e9xico firmaron un convenio de colaboraci\u00f3n para que los derechohabientes del Infonavit puedan utilizar el ahorro de su subcuenta de vivienda para utilizarlo como enganche en alg\u00fan cr\u00e9dito hipotecario de la banca.<\/p>\n
“Aquellos que por alguna raz\u00f3n ya no est\u00e9n cotizando de manera activa en el Instituto podr\u00e1n utilizar su dinero, su ahorro que tienen aqu\u00ed en el Infonavit, para utilizarlo como enganche para un cr\u00e9dito hipotecario en la banca o para pagar pasivos hipotecarios”, explic\u00f3 el director general del Infonavit, Carlos Mart\u00ednez.<\/p>\n
De esta manera, se bancarizar\u00e1n a millones de trabajadores que cuentan con ahorros en el Infonavit, para ejercer su derecho a la vivienda.<\/p>\n
El convenio con la banca comercial tambi\u00e9n permitir\u00e1 a aquellas personas que tienen un cr\u00e9dito de Apoyo Infonavit o uno cofinanciado con un banco, trasladarlo a otra instituci\u00f3n financiera, sin que las condiciones del financiamiento se vean afectadas.<\/p>\n
La compra de una propiedad es una de las metas m\u00e1s importantes para muchas personas, sin embargo, la falta de ahorros para realizar pagos de contado se convierte en un obst\u00e1culo.<\/p>\n
Seg\u00fan datos de la Condusef, 40% de los mexicanos no ahorra, es por ello que los cr\u00e9ditos hipotecarios se han convertido en una de las opciones m\u00e1s utilizadas para comprar una vivienda.<\/p>\n
Para obtener un cr\u00e9dito hipotecario con una instituci\u00f3n bancaria se debe tomar en cuenta el precio de la vivienda.<\/p>\n
\u201cCualquier banco ofrece la posibilidad de consultar con un simulador cu\u00e1l es el cr\u00e9dito para cada situaci\u00f3n financiera. Pero por lo general, las ventajas son que el pr\u00e9stamo puede alcanzar hasta los 20 millones de pesos, la tasa de inter\u00e9s es fija y el promedio es del 10.69%\u201d, de acuerdo con Mercado Libre Inmuebles.<\/p>\n
Adem\u00e1s, la mensualidad de un cr\u00e9dito con la banca comercial se incrementa aproximadamente 2% anual, y al ser un porcentaje relativamente bajo, hace m\u00e1s visibles los avances en el pago de la deuda.<\/p>\n
Sin embargo, para obtener un pr\u00e9stamo de este tipo es necesario un historial crediticio impecable y se corre el riesgo de que se eleve el monto a pagar por el Costo Anual Total (CAT) que est\u00e1 integrado por comisiones de manejo del cr\u00e9dito, intereses y seguro.<\/p>\n
Si el valor total del inmueble es menor a un mill\u00f3n 600 mil pesos, el Infonavit probablemente sea la mejor opci\u00f3n.<\/p>\n
El cr\u00e9dito Infonavit se configura a partir de dos datos: el sueldo y los a\u00f1os de antig\u00fcedad laboral y cotizando en el IMSS.<\/p>\n
Las ventajas de este cr\u00e9dito es que no toma en cuenta el historial crediticio del solicitante, no es necesario un enganche y para amortizar deudas bancarias, se puede solicitar un cr\u00e9dito conjunto entre el Infonavit y un banco.<\/p>\n
La desventaja es que la tasa de inter\u00e9s es de 12%, superior a la de las entidades bancarias.<\/p>\n
vcr<\/p>\n<\/div>\n
[ad_2]
\n
Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"[ad_1] El Infonavit y la Asociaci\u00f3n de Bancos de M\u00e9xico firmaron un convenio de colaboraci\u00f3n para que los derechohabientes del Infonavit puedan utilizar el ahorro de su subcuenta de vivienda para utilizarlo como enganche en alg\u00fan cr\u00e9dito hipotecario de la banca. “Aquellos que por alguna raz\u00f3n ya no est\u00e9n cotizando de manera activa en el […]<\/p>\n","protected":false},"author":2,"featured_media":3527,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3526","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-de-negocios"],"yoast_head":"\n
Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News\" \/>\n<meta property=\"og:description\" content=\"[ad_1] El Infonavit y la Asociaci\u00f3n de Bancos de M\u00e9xico firmaron un convenio de colaboraci\u00f3n para que los derechohabientes del Infonavit puedan utilizar el ahorro de su subcuenta de vivienda para utilizarlo como enganche en alg\u00fan cr\u00e9dito hipotecario de la banca. “Aquellos que por alguna raz\u00f3n ya no est\u00e9n cotizando de manera activa en el […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/\" \/>\n<meta property=\"og:site_name\" content=\"Selected News\" \/>\n<meta property=\"article:published_time\" content=\"2019-09-03T23:56:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-09-03T23:56:18+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"651\" \/>\n\t<meta property=\"og:image:height\" content=\"400\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"selectednews\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"selectednews\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/\"},\"author\":{\"name\":\"selectednews\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/#\\\/schema\\\/person\\\/c8a0f1bfe64548cfb06c0529b0970068\"},\"headline\":\"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche\",\"datePublished\":\"2019-09-03T23:56:16+00:00\",\"dateModified\":\"2019-09-03T23:56:18+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/\"},\"wordCount\":518,\"commentCount\":0,\"image\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2019\\\/09\\\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg\",\"articleSection\":[\"NOTICIAS DE NEGOCIOS\"],\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/\",\"url\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/\",\"name\":\"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2019\\\/09\\\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg\",\"datePublished\":\"2019-09-03T23:56:16+00:00\",\"dateModified\":\"2019-09-03T23:56:18+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/#\\\/schema\\\/person\\\/c8a0f1bfe64548cfb06c0529b0970068\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#primaryimage\",\"url\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2019\\\/09\\\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg\",\"contentUrl\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/wp-content\\\/uploads\\\/sites\\\/8\\\/2019\\\/09\\\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg\",\"width\":651,\"height\":400,\"caption\":\"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/#website\",\"url\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/\",\"name\":\"Selected News\",\"description\":\"Selected News Mexico\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/#\\\/schema\\\/person\\\/c8a0f1bfe64548cfb06c0529b0970068\",\"name\":\"selectednews\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g\",\"caption\":\"selectednews\"},\"url\":\"https:\\\/\\\/selectednews.info\\\/mx\\\/author\\\/pt\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/","og_locale":"es_MX","og_type":"article","og_title":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News","og_description":"[ad_1] El Infonavit y la Asociaci\u00f3n de Bancos de M\u00e9xico firmaron un convenio de colaboraci\u00f3n para que los derechohabientes del Infonavit puedan utilizar el ahorro de su subcuenta de vivienda para utilizarlo como enganche en alg\u00fan cr\u00e9dito hipotecario de la banca. “Aquellos que por alguna raz\u00f3n ya no est\u00e9n cotizando de manera activa en el […]","og_url":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/","og_site_name":"Selected News","article_published_time":"2019-09-03T23:56:16+00:00","article_modified_time":"2019-09-03T23:56:18+00:00","og_image":[{"width":651,"height":400,"url":"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg","type":"image\/jpeg"}],"author":"selectednews","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"selectednews","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#article","isPartOf":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/"},"author":{"name":"selectednews","@id":"https:\/\/selectednews.info\/mx\/#\/schema\/person\/c8a0f1bfe64548cfb06c0529b0970068"},"headline":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche","datePublished":"2019-09-03T23:56:16+00:00","dateModified":"2019-09-03T23:56:18+00:00","mainEntityOfPage":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/"},"wordCount":518,"commentCount":0,"image":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#primaryimage"},"thumbnailUrl":"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg","articleSection":["NOTICIAS DE NEGOCIOS"],"inLanguage":"es","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/","url":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/","name":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche - Selected News","isPartOf":{"@id":"https:\/\/selectednews.info\/mx\/#website"},"primaryImageOfPage":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#primaryimage"},"image":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#primaryimage"},"thumbnailUrl":"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg","datePublished":"2019-09-03T23:56:16+00:00","dateModified":"2019-09-03T23:56:18+00:00","author":{"@id":"https:\/\/selectednews.info\/mx\/#\/schema\/person\/c8a0f1bfe64548cfb06c0529b0970068"},"breadcrumb":{"@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#primaryimage","url":"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg","contentUrl":"https:\/\/selectednews.info\/mx\/wp-content\/uploads\/sites\/8\/2019\/09\/Ya-podr\u00e1s-usar-tu-ahorro-en-el-Infonavit-para-dar.jpg","width":651,"height":400,"caption":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche"},{"@type":"BreadcrumbList","@id":"https:\/\/selectednews.info\/mx\/ya-podras-usar-tu-ahorro-en-el-infonavit-para-dar-un-enganche\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/selectednews.info\/mx\/"},{"@type":"ListItem","position":2,"name":"Ya podr\u00e1s usar tu ahorro en el Infonavit para dar un enganche"}]},{"@type":"WebSite","@id":"https:\/\/selectednews.info\/mx\/#website","url":"https:\/\/selectednews.info\/mx\/","name":"Selected News","description":"Selected News Mexico","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/selectednews.info\/mx\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/selectednews.info\/mx\/#\/schema\/person\/c8a0f1bfe64548cfb06c0529b0970068","name":"selectednews","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c88515018a25fd646d9f77ea80cc88996711575667608a2cd1b47f3d1145508a?s=96&d=mm&r=g","caption":"selectednews"},"url":"https:\/\/selectednews.info\/mx\/author\/pt\/"}]}},"_links":{"self":[{"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/posts\/3526","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/comments?post=3526"}],"version-history":[{"count":1,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/posts\/3526\/revisions"}],"predecessor-version":[{"id":3528,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/posts\/3526\/revisions\/3528"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/media\/3527"}],"wp:attachment":[{"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/media?parent=3526"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/categories?post=3526"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/selectednews.info\/mx\/wp-json\/wp\/v2\/tags?post=3526"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}