{"id":82937,"date":"2021-12-06T07:48:35","date_gmt":"2021-12-06T13:48:35","guid":{"rendered":"https:\/\/lospoliticosveracruz.com.mx\/?p=82937"},"modified":"2021-12-06T07:48:40","modified_gmt":"2021-12-06T13:48:40","slug":"menos-intereses-a-los-que-ganan-menos","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=82937","title":{"rendered":"Menos intereses a los que ganan menos!"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>Xalapa<\/strong><\/p>\n\n\n\n<p><br>A cinco meses de que el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) anunciara la disminuci\u00f3n de la tasa de inter\u00e9s de sus cr\u00e9ditos para comprar casa, 121 mil 107 personas han accedido a un financiamiento con tasas que van de 1.91% a 10.45%.<\/p>\n\n\n\n<p>Lo anterior fue posible gracias al Nuevo Esquema de Cr\u00e9dito en Pesos, con el que el Instituto aplica una tasa de inter\u00e9s diferenciada a sus acreditados, dependiendo del nivel salarial con el que est\u00e1n registrados en el Instituto Mexicano del Seguro Social (IMSS). Es importante recordar que en el esquema anterior de cr\u00e9ditos la tasa de inter\u00e9s estaba fija en 12% sin hacer distinci\u00f3n del ingreso de los trabajadores.<\/p>\n\n\n\n<p>As\u00ed, con el objetivo de apoyar la econom\u00eda familiar de las y los trabajadores de M\u00e9xico y garantizar su acceso a una vivienda adecuada, el Infonavit cobra una menor tasa de inter\u00e9s a los trabajadores que perciben menores ingresos.<\/p>\n\n\n\n<p>Del total de los cr\u00e9ditos hipotecarios colocados de junio al 14 de noviembre de 2021, el 49% se otorg\u00f3 a personas que ganan menos de 10 mil 897.80 pesos al mes, con una tasa de inter\u00e9s inferior al 7.21%.<\/p>\n\n\n\n<p>Adem\u00e1s del beneficio de pagar menos intereses, con el Nuevo Esquema de Cr\u00e9dito en Pesos, las mensualidades del cr\u00e9dito son fijas durante toda la vida del financiamiento, incluso si un trabajador concluye su relaci\u00f3n laboral con una empresa, y no registran incrementos anuales ligados a la inflaci\u00f3n o a la revisi\u00f3n del salario m\u00ednimo.\u00a0\u00a0<br>\u00a0<br>Por otro lado, las aportaciones patronales (5% del salario) son consideradas como otro pago a la deuda y no a los intereses. As\u00ed, el monto de la mensualidad no cambia aun si se pierde el empleo y las personas que mantengan una relaci\u00f3n laboral activa hasta la liquidaci\u00f3n de su financiamiento lograr\u00e1n hacerlo en menos tiempo.\u00a0<br>\u00a0<br>Asimismo, las y los acreditados cuentan con los diferentes apoyos que establece el Modelo de Cobranza Social, garantizando el acompa\u00f1amiento del Infonavit en caso de desempleo o disminuci\u00f3n de sus ingresos.\u00a0\u00a0<br>\u00a0<br>Para solicitar un financiamiento con el Nuevo Esquema de Cr\u00e9dito en Pesos, las y los trabajadores deben ingresar a Mi Cuenta Infonavit (<strong><em><a href=\"http:\/\/micuenta.infonavit.org.mx\">micuenta.infonavit.org.mx<\/a><\/em><\/strong>) y precalificarse para verificar que cumplen con la puntuaci\u00f3n requerida para el otorgamiento del cr\u00e9dito.\u00a0\u00a0<br>\u00a0<br>Conoce todo lo que necesitas saber sobre cr\u00e9ditos, tr\u00e1mites y servicios del Infonavit, de manera sencilla y clara, en <strong><em><a href=\"http:\/\/infonavitfacil.mx\">infonavitfacil.mx<\/a><\/em><\/strong>.<\/p>\n\n\n\n<p>El Infonavit es una instituci\u00f3n de solidaridad, servicio y seguridad social del Estado, que tiene como objetivo otorgar cr\u00e9dito barato y suficiente para que las y los trabajadores del sector formal puedan acceder a una vivienda adecuada y formar un patrimonio. Asimismo, es la hipotecaria m\u00e1s grande en Am\u00e9rica Latina y la cuarta en el mundo, desde su creaci\u00f3n en 1972 a la fecha, el organismo ha colocado m\u00e1s de 11 millones de cr\u00e9ditos en M\u00e9xico.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Xalapa A cinco meses de que el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) anunciara la disminuci\u00f3n de la tasa de inter\u00e9s de sus cr\u00e9ditos para comprar casa, 121 mil 107 personas han accedido a un financiamiento con tasas que van de 1.91% a 10.45%. Lo anterior fue posible gracias al [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[73],"tags":[31508,31509,1208,7395],"class_list":{"0":"post-82937","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-de-boleto","7":"tag-credito-en-pesos","8":"tag-creditos-hipotecarios","9":"tag-imss","10":"tag-infonavit"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Menos intereses a los que ganan menos! - Los pol\u00edticos Veracruz<\/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:\/\/lospoliticosveracruz.com\/?p=82937\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Menos intereses a los que ganan menos! - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Xalapa A cinco meses de que el Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) anunciara la disminuci\u00f3n de la tasa de inter\u00e9s de sus cr\u00e9ditos para comprar casa, 121 mil 107 personas han accedido a un financiamiento con tasas que van de 1.91% a 10.45%. 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