{"id":94662,"date":"2022-08-23T20:53:24","date_gmt":"2022-08-23T20:53:24","guid":{"rendered":"https:\/\/quehacerpolitico.mx\/?p=94662"},"modified":"2022-08-23T20:53:26","modified_gmt":"2022-08-23T20:53:26","slug":"problemas-para-pagar-tu-credito-infonavitaqui-te-decimos-que-puedes-hacer","status":"publish","type":"post","link":"https:\/\/quehacerpolitico.mx\/?p=94662","title":{"rendered":"\u00bfProblemas para pagar tu cr\u00e9dito Infonavit?Aqu\u00ed te decimos que puedes hacer\u00a0"},"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 Infonavit cuenta con el Nuevo Modelo de Cobranza Social con diferentes alternativas que te ayudar\u00e1n a poner al corriente los pagos de tu cr\u00e9dito<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El Infonavit cuenta con el Nuevo Modelo de Cobranza Social con diferentes alternativas que&nbsp;<strong>te ayudar\u00e1n a poner al corriente los pagos de tu cr\u00e9dito<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El pr\u00f3ximo regreso a clases representa dificultades econ\u00f3micas que impiden cumplir con el pago de su cr\u00e9dito Infonavit; &#8220;si este es tu caso, debes saber que el Instituto cuenta con\u00a0<strong>diversas alternativas para apoyarte de forma gratuita y sin intermediarios&#8221;<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Desde 2019, el Infonavit implement\u00f3 un Nuevo Modelo de Cobranza Social, a trav\u00e9s del cual se ofrecen soluciones de pago dirigidas a todas y todos los trabajadores que perdieron su empleo, tuvieron\u00a0<strong>una reducci\u00f3n en su salario o enfrentan alguna eventualidad que les impide pagar la mensualidad de su cr\u00e9dito<\/strong>.<\/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\/2022\/08\/image-79.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"629\" height=\"242\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79.jpeg\" alt=\"\" class=\"wp-image-94664\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79.jpeg 629w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79-300x115.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79-260x100.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79-50x19.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79-150x58.jpeg 150w\" sizes=\"auto, (max-width: 629px) 100vw, 629px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79.jpeg\" data-fancybox=\"wpcp-wp-img-94664\" 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 wpcp-lb-icon-style-default\" data-wpcp-lb-icon-source=\"global\" aria-label=\"Open image in lightbox\" data-thumb-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-79-300x115.jpeg\" data-wpcp-lb-single=\"1\"><span class=\"wpcp-icon-container\"><svg viewBox=\"0 0 20 20\"><path d=\"M17.6585 16.025L14.2437 12.6198C15.1716 11.3338 15.6121 9.7613 15.4871 8.1819C15.362 6.60251 14.6795 5.11847 13.5607 3.99351C12.936 3.36206 12.1916 2.86066 11.3709 2.51845C10.5502 2.17623 9.66952 2 8.77995 2C7.89039 2 7.00969 2.17623 6.18899 2.51845C5.36829 2.86066 4.62395 3.36206 3.99919 3.99351C3.36594 4.61649 2.86312 5.35871 2.51992 6.17708C2.17673 6.99545 2 7.87365 2 8.76068C2 9.64772 2.17673 10.5259 2.51992 11.3443C2.86312 12.1627 3.36594 12.9049 3.99919 13.5279C5.11957 14.6901 6.62279 15.4103 8.23285 15.5562C9.84291 15.7022 11.4517 15.2641 12.7639 14.3224L16.1788 17.7275C16.3849 17.9034 16.6473 18 16.9186 18C17.1899 18 17.4523 17.9034 17.6585 17.7275C18.1138 17.16 18.1138 16.5925 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\n\n\n<h3 class=\"wp-block-heading\">Pero&nbsp;\u00bfQu\u00e9 es el Nuevo Modelo de Cobranza Social?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">El Infonavit nos dice que se trata de&nbsp;<strong>una serie de apoyos para que las y los derechohabientes puedan regularizar sus pagos a trav\u00e9s de reestructuras o pr\u00f3rrogas<\/strong>, con la finalidad de proteger su patrimonio y conservar su vivienda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ejemplo: si te quedaste sin trabajo,\u00a0<strong>Flexipago es un esquema en el que puedes elegir seguir pagando el monto de la mensualidad por tu cuenta<\/strong>, pagar solo el 10% y el resto cubrirla con el Fondo de Protecci\u00f3n de Pagos (FPP) o recibir una pr\u00f3rroga para suspender de forma temporal tus mensualidades.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Adem\u00e1s, en caso de sufrir un accidente o enfermedad que te impida realizar el pago de las mensualidades de tu cr\u00e9dito, puedes&nbsp;<strong>acceder al seguro por incapacidad<\/strong>, luego de que el Instituto Mexicano del Seguro Social (IMSS) te otorgue una incapacidad permanente del 50% o m\u00e1s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Si tu salario disminuye&nbsp;\u00bfHay opciones para ajustar la mensualidad?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Cuando cambias de trabajo no siempre mantienes el salario anterior, por lo que,\u00a0<strong>si en tu nuevo empleo tienes un menor ingreso, el Infonavit pone a tu disposici\u00f3n Soluci\u00f3n a Tu Medida<\/strong>, un esquema en el que se ajusta tu mensualidad, tomando en cuenta el monto total de tu deuda y tu capacidad de pago.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tambi\u00e9n indica que otra alternativa es el Dictamen de Capacidad de Pago, que consiste en una reducci\u00f3n temporal en tu pago mensual con base en tu ingreso y gasto.<\/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\/2022\/08\/image-80.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"440\" height=\"198\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80.jpeg\" alt=\"\" class=\"wp-image-94665\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80.jpeg 440w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80-300x135.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80-260x117.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80-50x23.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80-150x68.jpeg 150w\" sizes=\"auto, (max-width: 440px) 100vw, 440px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80.jpeg\" data-fancybox=\"wpcp-wp-img-94665\" 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 wpcp-lb-icon-style-default\" data-wpcp-lb-icon-source=\"global\" aria-label=\"Open image in lightbox\" data-thumb-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-80-300x135.jpeg\" data-wpcp-lb-single=\"1\"><span class=\"wpcp-icon-container\"><svg viewBox=\"0 0 20 20\"><path d=\"M17.6585 16.025L14.2437 12.6198C15.1716 11.3338 15.6121 9.7613 15.4871 8.1819C15.362 6.60251 14.6795 5.11847 13.5607 3.99351C12.936 3.36206 12.1916 2.86066 11.3709 2.51845C10.5502 2.17623 9.66952 2 8.77995 2C7.89039 2 7.00969 2.17623 6.18899 2.51845C5.36829 2.86066 4.62395 3.36206 3.99919 3.99351C3.36594 4.61649 2.86312 5.35871 2.51992 6.17708C2.17673 6.99545 2 7.87365 2 8.76068C2 9.64772 2.17673 10.5259 2.51992 11.3443C2.86312 12.1627 3.36594 12.9049 3.99919 13.5279C5.11957 14.6901 6.62279 15.4103 8.23285 15.5562C9.84291 15.7022 11.4517 15.2641 12.7639 14.3224L16.1788 17.7275C16.3849 17.9034 16.6473 18 16.9186 18C17.1899 18 17.4523 17.9034 17.6585 17.7275C18.1138 17.16 18.1138 16.5925 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\n\n\n<p class=\"wp-block-paragraph\">Pero,\u00a0<strong>si tu cr\u00e9dito todav\u00eda est\u00e1 en Veces Salario M\u00ednimo (VSM) puedes cambiarlo a pesos y evitar que tu mensualidad suba en 2023<\/strong>, a trav\u00e9s de la Ventanilla Universal de Responsabilidad Compartida en Mi Cuenta Infonavit (micuenta.infonavit.org.mx).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No se te olvide que?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En\u00a0NotiExpress | La Revista del Sector Inmobiliario nos ocupamos en la difusi\u00f3n de la industria inmobiliaria generamos contenidos que te ayudar\u00e1n a mantenerte a la vanguardia en tecnolog\u00eda y en tendencias del sector inmobiliario para que puedas ofrecer el mejor servicio y generar m\u00e1s clientes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00c9chale una miradita a nuestra revista mensual donde encontrar\u00e1s 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\/2022\/08\/image-78.jpeg\" data-src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78.jpeg\" data-thumb=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-1024x378.jpeg\" class=\"ml-lightbox-enabled\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"378\" src=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-1024x378.jpeg\" alt=\"\" class=\"wp-image-94663\" srcset=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-1024x378.jpeg 1024w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-300x111.jpeg 300w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-768x284.jpeg 768w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-260x96.jpeg 260w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-50x18.jpeg 50w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78-150x55.jpeg 150w, https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78.jpeg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><a href=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/image-78.jpeg\" data-fancybox=\"wpcp-wp-img-94663\" class=\"wpcp-lightbox-trigger 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\/><\/svg><\/span><\/a><\/div><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario El Infonavit cuenta con el Nuevo&#8230;<\/p>\n","protected":false},"author":2,"featured_media":94666,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":["post-94662","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>\u00bfProblemas para pagar tu cr\u00e9dito Infonavit?Aqu\u00ed te decimos que puedes hacer\u00a0 -<\/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=94662\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfProblemas para pagar tu cr\u00e9dito Infonavit?Aqu\u00ed te decimos que puedes hacer\u00a0 -\" \/>\n<meta property=\"og:description\" content=\"Por Redacci\u00f3n NotiExpress | La Revista del Sector Inmobiliario El Infonavit cuenta con el Nuevo...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/quehacerpolitico.mx\/?p=94662\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-23T20:53:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-23T20:53:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/quehacerpolitico.mx\/wp-content\/uploads\/2022\/08\/C01A837F-06A6-487D-83D7-0D22D40F3C14.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"2048\" \/>\n\t<meta property=\"og:image:height\" content=\"977\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" 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