{"id":20334,"date":"2022-10-27T20:16:02","date_gmt":"2022-10-28T00:16:02","guid":{"rendered":"https:\/\/noti-america.com\/site\/principal\/?p=20334"},"modified":"2022-10-27T20:16:02","modified_gmt":"2022-10-28T00:16:02","slug":"es-lo-mismo-la-afore-que-el-infonavit","status":"publish","type":"post","link":"https:\/\/noti-america.com\/site\/principal\/2022\/10\/27\/es-lo-mismo-la-afore-que-el-infonavit\/","title":{"rendered":"\u00bfEs lo mismo la Afore que el Infonavit?"},"content":{"rendered":"

Al revisar el estado de cuenta de tu Afore, seguramente has notado que existe una subcuenta de Vivienda. \u00bfEsto significa que\u00a0la Afore y el Infonavit son lo mismo<\/strong>? \u00a1Te explicamos!<\/p>\n

Afore vs. Infonavit: qu\u00e9 son y qu\u00e9 las diferencia<\/strong><\/h2>\n

Las Afore son las Administradoras de Fondos para el Retiro, y son las entidades financieras especializadas en la gesti\u00f3n de los ahorros de los trabajadores mexicanos.<\/p>\n

Est\u00e1n supervisadas por la Consar (Comisi\u00f3n Nacional del Sistema de Ahorro para el Retiro), la cual se encarga de proteger el dinero de las personas y garantizar que las Afore hagan su trabajo correctamente.<\/p>\n

El gobierno, la empresa donde trabajas y t\u00fa, a trav\u00e9s de tu n\u00f3mina o\u00a0aportaciones voluntarias<\/a>, son los responsables de depositar dinero en tu cuenta de retiro para crecer tu ahorro.<\/p>\n

Por otro lado, el Infonavit es el Instituto del Fondo Nacional de la Vivienda para los Trabajadores, y es el que otorga cr\u00e9ditos hipotecarios a los derechohabientes, es decir, aquellos trabajadores que cotizan ante el IMSS. La Ley del Infonavit es la que regula a este organismo.<\/p>\n

Al contrario de las Afore, solamente la empresa donde trabajas es la responsable de aportar un porcentaje de tu salario base (alrededor del 5%) para generar tu cr\u00e9dito y que puedas comprar o construir una propiedad.<\/p>\n

Como podemos observar por estas definiciones,\u00a0la Afore y el Infonavit no son lo mismo<\/strong>; sin embargo, \u00bfpor qu\u00e9 la Afore tiene una subcuenta de Vivienda? \u00bfEl Infonavit est\u00e1 involucrado con este ahorro?<\/p>\n

\u00bfQu\u00e9 es la subcuenta de Vivienda de tu Afore?<\/strong><\/h2>\n

El ahorro de tu Afore est\u00e1 conformado por tres subcuentas:<\/p>\n

    \n
  • Retiro, Cesant\u00eda en Edad Avanzada y Vejez (RCV)<\/li>\n
  • Vivienda<\/li>\n
  • Aportaciones voluntarias<\/li>\n<\/ul>\n

    Mientras que las subcuentas de RCV y Aportaciones son gestionadas por las Afore, la de Vivienda \u00fanicamente es donde se encuentra depositado el dinero para tu cr\u00e9dito hipotecario, pero el Infonavit es el responsable de administrarlo.<\/p>\n

    Puedes utilizar tu saldo de Vivienda de tres formas:<\/p>\n

      \n
    • Para comprar una casa.<\/li>\n
    • Para usarlo como garant\u00eda en un cr\u00e9dito bancario.<\/li>\n
    • Ahorrarlo y aprovecharlo como parte de tu pensi\u00f3n, cuando llegue el momento de retirarte.<\/li>\n<\/ul>\n

      Si decides utilizar tu cr\u00e9dito Infonavit, revisa bien tu presupuesto y posibilidades de pago, ya que t\u00fa ser\u00e1s el responsable de cubrir las mensualidades hasta liquidar la deuda.<\/p>\n

      Ahora que conoces la\u00a0diferencia entre Afore e Infonavit<\/strong>, es importante que sepas en qu\u00e9 administradora est\u00e1s registrado para llevar el control de tu ahorro, tanto para el retiro como para tu vivienda.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Al revisar el estado de cuenta de tu Afore, seguramente has notado que existe una subcuenta de Vivienda. \u00bfEsto significa que\u00a0la Afore y el Infonavit son lo mismo? \u00a1Te explicamos! Afore vs. Infonavit: qu\u00e9...<\/p>\n","protected":false},"author":1,"featured_media":20335,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"image","meta":{"_acf_changed":false,"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10219548024599422_1632221337088128":"","twitter_242054905_242054905":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","footnotes":""},"categories":[663,5],"tags":[],"class_list":["post-20334","post","type-post","status-publish","format-image","has-post-thumbnail","hentry","category-actualidad","category-economia","post_format-post-format-image"],"acf":[],"yoast_head":"\n\u00bfEs lo mismo la Afore que el Infonavit? - Noti-America.com<\/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:\/\/noti-america.com\/site\/principal\/2022\/10\/27\/es-lo-mismo-la-afore-que-el-infonavit\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u00bfEs lo mismo la Afore que el Infonavit?\" \/>\n<meta property=\"og:description\" content=\"Al revisar el estado de cuenta de tu Afore, seguramente has notado que existe una subcuenta de Vivienda. \u00bfEsto significa que\u00a0la Afore y el Infonavit son lo mismo? \u00a1Te explicamos! 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