{"id":15966,"date":"2026-01-16T01:01:58","date_gmt":"2026-01-16T01:01:58","guid":{"rendered":"https:\/\/www.radiovision.com.mx\/?p=15966"},"modified":"2026-01-16T01:02:28","modified_gmt":"2026-01-16T01:02:28","slug":"infonavit-y-fovissste-permitiran-unir-creditos-para-comprar-vivienda","status":"publish","type":"post","link":"https:\/\/www.radiovision.com.mx\/?p=15966","title":{"rendered":"Infonavit y Fovissste permitir\u00e1n unir cr\u00e9ditos para comprar vivienda"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">El Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) y el Fondo de la Vivienda del ISSSTE (Fovissste) anunciaron un nuevo esquema de financiamiento que permitir\u00e1 a sus derechohabientes <strong>unir cr\u00e9ditos para adquirir una vivienda nueva o usada<\/strong>, con el prop\u00f3sito de facilitar el acceso a casa propia a m\u00e1s familias en el pa\u00eds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El programa, denominado <strong>FOVISSSTE\u2013INFONAVIT Unidos<\/strong>, ya fue publicado en el Diario Oficial de la Federaci\u00f3n (DOF) y est\u00e1 dise\u00f1ado para beneficiar a personas que, pese a contar con ingresos estables, no pod\u00edan acceder a un cr\u00e9dito conjunto debido a que cotizan en distintos institutos de vivienda. El principal objetivo es <strong>incrementar la capacidad de compra<\/strong> y ampliar las opciones de financiamiento.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De acuerdo con lo establecido, la uni\u00f3n de cr\u00e9ditos ser\u00e1 v\u00e1lida siempre que exista una <strong>relaci\u00f3n familiar comprobable<\/strong> entre los solicitantes. Las combinaciones permitidas incluyen parejas en concubinato, padres o madres con hijos, as\u00ed como hermanos. Con ello, se busca brindar alternativas a familias que antes no pod\u00edan sumar recursos para adquirir un patrimonio.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El esquema se regir\u00e1 por las Reglas para el Otorgamiento, Formalizaci\u00f3n y Recuperaci\u00f3n de Cr\u00e9dito del Fovissste, as\u00ed como por la normativa vigente del Infonavit. Para el financiamiento se podr\u00e1n utilizar el saldo acumulado en la Subcuenta de Vivienda, las aportaciones patronales futuras, los descuentos v\u00eda n\u00f3mina y los pagos directos realizados por los acreditados. La garant\u00eda hipotecaria ser\u00e1 compartida entre ambos institutos, en proporci\u00f3n al monto financiado por cada uno.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Al tratarse de un cr\u00e9dito mancomunado, la responsabilidad del pago ser\u00e1 compartida. En caso de que uno de los acreditados incumpla, tanto Infonavit como Fovissste podr\u00e1n iniciar procesos de cobranza conforme a sus propias reglas, por lo que se recomienda realizar una planeaci\u00f3n financiera conjunta y considerar posibles escenarios de desempleo o disminuci\u00f3n de ingresos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Las personas interesadas en este nuevo esquema pueden consultar mayor informaci\u00f3n en la p\u00e1gina oficial del Fovissste o comunicarse al Centro de Contacto FOVISSSTE al n\u00famero <strong>800 368 4783<\/strong>, con atenci\u00f3n de lunes a viernes de 08:00 a 21:00 horas, y fines de semana y d\u00edas festivos de 09:00 a 15:00 horas. Asimismo, se recomienda a los derechohabientes del Infonavit verificar su puntaje actual en el portal del instituto, ya que contar con el m\u00ednimo requerido es indispensable para solicitar cualquier cr\u00e9dito.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) y el Fondo de la Vivienda del ISSSTE<\/p>\n","protected":false},"author":1,"featured_media":15967,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"colormag_page_container_layout":"default_layout","colormag_page_sidebar_layout":"default_layout","_eb_attr":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[29],"tags":[1500,660,511],"class_list":["post-15966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nacional","tag-creditos","tag-infonavit","tag-issste"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Infonavit y Fovissste permitir\u00e1n unir cr\u00e9ditos para comprar 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