{"id":103460,"date":"2023-08-03T18:12:36","date_gmt":"2023-08-03T18:12:36","guid":{"rendered":"https:\/\/quehacerpolitico.mx\/?p=103460"},"modified":"2023-08-03T18:12:39","modified_gmt":"2023-08-03T18:12:39","slug":"sabes-cuales-son-los-requisitos-para-pedir-un-segundo-credito-infonavit","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=103460","title":{"rendered":"Sabes cu\u00e1les son los requisitos para pedir un segundo cr\u00e9dito Infonavit?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El organismo ofrece esta oportunidad a los trabajadores que hayan liquidado su primer pr\u00e9stamo en tiempo y forma<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Acceder a una vivienda mejor o m\u00e1s adecuada, incluso invertir en bienes ra\u00edces es posible con un segundo cr\u00e9dito del Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit), que puede prestar hasta 2 millones 671 mil 180 pesos, dependiendo de la capacidad de pago.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El organismo ofrece esta oportunidad a los trabajadores que hayan liquidado su primer pr\u00e9stamo en tiempo y forma al menos seis meses antes de presentar la segunda solicitud, y da ventajas como una tasa de inter\u00e9s anual fija de 10.1%, plazos de pago de entre 5, 10, 15, 20, 15 o 30 a\u00f1os y \u2014para quienes perciben salarios de hasta 8 mil 830.35 pesos mensuales\u2014 no cubrir los gastos de titulaci\u00f3n, financieros ni de operaci\u00f3n.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"\ud83d\udc49COMO ES EL SEGUNDO  CR\u00c9DITO  INFONAVIT 2023 - \ud83d\udc48\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/iL4b_60EEFM?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\">Los requisitos par obtener un segundo cr\u00e9dito del Infonavit son:<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ser derechohabiente del Infonavit y tener una relaci\u00f3n laboral vigente.<\/li>\n\n\n\n<li>Tener al menos 1080 puntos Infonavit.<\/li>\n\n\n\n<li>Tener por lo menos dos a\u00f1os de cotizaci\u00f3n continua \u2014no necesariamente con el mismo patr\u00f3n\u2014 antes de solicitar el cr\u00e9dito.<\/li>\n\n\n\n<li>Cumplir con un m\u00ednimo de seis meses de haber terminado de pagar el primer cr\u00e9dito hipotecario Infonavit; sin quebrantos o incumplimientos hacia el instituto<\/li>\n\n\n\n<li>En caso de haber obtenido un cr\u00e9dito con productos Cofinavit, Apoyo Infonavit o Mejoravit, deber\u00e1 estar liquidado, as\u00ed como el cr\u00e9dito otorgado por la entidad financiera (En caso de haber ejercido el cr\u00e9dito Mejoravit o Apoyo Infonavit, no se requiere esperar seis meses(.<\/li>\n\n\n\n<li>Formato de autorizaci\u00f3n para consulta en sociedades de informaci\u00f3n crediticia (SIC).<\/li>\n\n\n\n<li>Tener un aval\u00fao electr\u00f3nico y dictamen t\u00e9cnico de calidad de la vivienda que se peinsa adquirir con antig\u00fcedad no mayor a 6 meses.<\/li>\n\n\n\n<li>Copia del t\u00edtulo de propiedad de la casa o departamento a adquirir.&nbsp;<\/li>\n\n\n\n<li>Tomar el curso en l\u00ednea \u201cSaber para decidir mejor\u201d a trav\u00e9s de Mi Cuenta Infonavit.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Por otro lado, tambi\u00e9n hay restricciones a tomar en cuenta: el segundo cr\u00e9dito no puede ser usado en las modalidades de Cr\u00e9dito conyugal ni Un\u00e1mos cr\u00e9ditos Infonavit, y la deuda debe ser saldada antes que el derechohabiente cumpla 70 a\u00f1os, en el caso de los hombres, y antes de 75 si es mujer.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><div class=\"wpcp-wp-lightbox-host wpcp-advanced-image-lightbox-icon-hover\"><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"425\" height=\"721\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2.jpeg\" alt=\"\" class=\"wp-image-103462\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2.jpeg 425w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-2-177x300.jpeg 177w, 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la informaci\u00f3n precisa y oportuna con todo lo relacionado al sector inmobiliario aqu\u00ed\u00a0?<a href=\"https:\/\/issuu.com\/notiexpressmx\/docs\/notiexpress_07\">https:\/\/issuu.com\/notiexpressmx\/docs\/notiexpress_07\u00a0<\/a>\u00a0NotiExpress | La Revista del Sector Inmobiliario<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><div class=\"wpcp-wp-lightbox-host wpcp-advanced-image-lightbox-icon-hover\"><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-1024x378.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"378\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-1024x378.jpeg\" alt=\"\" class=\"wp-image-103461\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-1024x378.jpeg 1024w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-300x111.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-768x284.jpeg 768w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-260x96.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-50x18.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1-150x55.jpeg 150w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1.jpeg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2023\/08\/image-1.jpeg\" data-fancybox=\"wpcp-wp-img-103461\" class=\"wpcp-lightbox-trigger wpcp-advanced-image-lightbox-icon wpcp-position-top-right wpcp-advanced-image-lightbox-icon-hover wpcp-global-lightbox-icon wpcp-lightbox-icon--global 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17.6585 16.025ZM5.59278 12.0523C5.16258 11.6298 4.82094 11.1263 4.58774 10.5709C4.35455 10.0156 4.23446 9.41951 4.23446 8.81744C4.23446 8.21536 4.35455 7.6193 4.58774 7.06394C4.82094 6.50859 5.16258 6.00503 5.59278 5.58257C6.01644 5.15359 6.52144 4.81292 7.07838 4.58039C7.63532 4.34786 8.23308 4.22811 8.83687 4.22811C9.44066 4.22811 10.0384 4.34786 10.5954 4.58039C11.1523 4.81292 11.6573 5.15359 12.081 5.58257C12.5112 6.00503 12.8528 6.50859 13.086 7.06394C13.3192 7.6193 13.4393 8.21536 13.4393 8.81744C13.4393 9.41951 13.3192 10.0156 13.086 10.5709C12.8528 11.1263 12.5112 11.6298 12.081 12.0523C11.6573 12.4813 11.1523 12.822 10.5954 13.0545C10.0384 13.287 9.44066 13.4068 8.83687 13.4068C8.23308 13.4068 7.63532 13.287 7.07838 13.0545C6.52144 12.822 6.01644 12.4813 5.59278 12.0523Z\" \/><\/svg><\/span><\/a><\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario El organismo ofrece esta oportunidad a&#8230;<\/p>\n","protected":false},"author":2,"featured_media":103463,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-103460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sabes cu\u00e1les son los requisitos para pedir un segundo cr\u00e9dito Infonavit? -<\/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:\/\/quehacerpolitico.mx\/?p=103460\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sabes cu\u00e1les son los requisitos para pedir un segundo cr\u00e9dito 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