{"id":8409,"date":"2025-01-22T18:16:03","date_gmt":"2025-01-22T18:16:03","guid":{"rendered":"https:\/\/sentidoscreativos.com\/lega2\/?p=8409"},"modified":"2025-08-20T17:49:25","modified_gmt":"2025-08-20T17:49:25","slug":"descubre-como-funciona-el-credito-fovissste-respaldados","status":"publish","type":"post","link":"https:\/\/lega.mx\/en\/2025\/01\/22\/descubre-como-funciona-el-credito-fovissste-respaldados\/","title":{"rendered":"Descubre c\u00f3mo funciona el cr\u00e9dito Fovissste \u2018Respaldados\u2019"},"content":{"rendered":"<div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-right:50px;--awb-padding-left:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:16px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:16px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:3%;--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:8px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.13;\">\u00bfBuscas un nuevo hogar? Descubre c\u00f3mo usar tu saldo en la Subcuenta de Vivienda con el cr\u00e9dito Fovissste &#8216;Respaldados<\/h3><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-content-alignment:justify;--awb-margin-top:2%;--awb-margin-right:2%;--awb-margin-left:2%;\"><p class=\"fusion-responsive-typography-calculated data-fontsize=\">El cr\u00e9dito \u2018Respaldados\u2019 de Fovissste se ha convertido en una gran alternativa para los trabajadores del estado que desean utilizar como pago inicial el saldo de su Subcuenta de Vivienda del Sistema de Ahorro para el Retiro (SAR) y complementarlo con un financiamiento en una entidad bancaria para poder comprar una casa nueva o usada.<\/p>\n<\/div><div class=\"fusion-text fusion-text-2 editable-text\" style=\"--awb-content-alignment:justify;--awb-margin-top:2%;--awb-margin-right:2%;--awb-margin-left:2%;\"><div class=\"font-size=editable-text;\">\n<p>&nbsp;<\/p>\n<p>En esta operaci\u00f3n, Fovissste traspasa los recursos equivalentes al saldo de la Subcuenta de Vivienda y el banco otorga el resto del cr\u00e9dito de acuerdo a la capacidad de pago del trabajador.<\/p>\n<p><strong>\u00bfC\u00f3mo solicitar el cr\u00e9dito Fovissste \u2018Respaldados\u2019?<\/strong><\/p>\n<p>\u2013 Cumple con los requisitos<br \/>\n\u2013 Conoce tu capacidad de cr\u00e9dito<br \/>\n\u2013 Genera un expediente con los bancos participantes<br \/>\n\u2013 Elige una vivienda con las condiciones establecidas<br \/>\n\u2013 Corrobora los datos de la compraventa<br \/>\n\u2013 Firma las escrituras ante un notario p\u00fablico<br \/>\n\u2013 Cumple con los requisitos<\/p>\n<p><strong>Para ser candidato a un cr\u00e9dito \u2018Respaldados\u2019 es necesario que cumplas con los siguientes requisitos establecidos por el Fondo de la Vivienda del Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (FOVISSSTE):<\/strong><\/p>\n<p>\u2013 Tener como m\u00ednimo 18 meses de haber realizado aportaciones a la Subcuenta de Vivienda del Sistema de Ahorro para el Retiro (SAR).<br \/>\n\u2013 Contar con una relaci\u00f3n laboral activa y vigente.<br \/>\n\u2013 Ejercer por primera vez tu cr\u00e9dito del Fovissste.<br \/>\n\u2013 Conoce tu capacidad de cr\u00e9dito<\/p>\n<p><strong>Posteriormente, tienes que conocer cu\u00e1l es tu capacidad de cr\u00e9dito. La mejor forma de hacerlo es siguiendo estas recomendaciones:<\/strong><\/p>\n<p><strong>Ingresa al Simulador<\/strong>\u00a0de Cr\u00e9dito Aliados Plus y Cr\u00e9dito Respaldados para verificar tu monto m\u00e1ximo de cr\u00e9dito.<\/p>\n<p><strong>Acude a una instituci\u00f3n bancaria autorizada por Fovissste<\/strong>\u00a0para conocer tu capacidad de cr\u00e9dito bancario. Algunas entidades aprobadas son HSBC y Santander, sin embargo, debes conocer el directorio de bancos autorizados porque son diferentes en cada ciudad.<\/p>\n<p>En este punto es muy importante que conozcas que\u00a0<strong>Fovissste te brinda un apoyo del 50% para cubrir los gastos por la compra de una casa.<\/strong>\u00a0Es decir, cubrir\u00e1 una parte proporcional de los honorarios notariales establecidos en el contrato de compraventa, as\u00ed como la inscripci\u00f3n de las escrituras en el Registro P\u00fablico de la Propiedad, pero debes saber que el resto deber\u00e1 ser cubierto por ti al 100%, por ejemplo, tendr\u00e1s que pagar el aval\u00fao, gastos de un agente inmobiliario, etc.<\/p>\n<p>En cambio, si est\u00e1s interesando en adquirir otra vivienda, tienes que saber que este programa tambi\u00e9n aplica para obtener un segundo cr\u00e9dito Fovissste, la \u00fanica diferencia es que deber\u00e1 ser un cr\u00e9dito individual y no tendr\u00e1s el apoyo de los gastos notariales.<\/p>\n<p><strong>Genera un expediente con los bancos participantes<\/strong><br \/>\nDe acuerdo con informaci\u00f3n del Fondo de Vivienda, las instituciones bancarias participantes te brindan un financiamiento del 80 hasta el 95% del valor de la vivienda, con una tasa de inter\u00e9s fija y el cr\u00e9dito en pesos.<\/p>\n<p>De esta manera, una vez que te autoricen el pr\u00e9stamo, deber\u00e1s acudir al banco que opere bajo este esquema de \u2018Respaldados\u2019 Fovissste para integrar tu expediente y comenzar con el proceso del cr\u00e9dito.<\/p>\n<p><strong>Te recomendamos elegir una entidad bancaria que brinde plazos desde 5 hasta 25 a\u00f1os<\/strong>\u00a0para la obtenci\u00f3n de un cr\u00e9dito hipotecario sin l\u00edmite en el valor de la vivienda y que, adem\u00e1s, su seguro te proteja en distintas situaciones como desempleo, da\u00f1os al inmueble, responsabilidad civil y familiar, incapacidad total y permanente, da\u00f1os al contenido del inmueble, entre otros. Es importante que sepas que los seguros pueden variar de un banco a otro.<\/p>\n<p>Por otro lado, el pago es fijo y se realiza directamente en el banco en donde contrates el financiamiento.<\/p>\n<p><strong>Elige una vivienda con las condiciones establecidas<\/strong><br \/>\nEl cr\u00e9dito \u2018Respaldados\u2019 de Fovissste establece que la propiedad de elecci\u00f3n puede ser nueva o usada, pero tiene que estar construida al 100% y debe contar con todos los servicios para ser habitable. Es decir, tener instalaci\u00f3n el\u00e9ctrica, drenaje, agua, etc. Adem\u00e1s, la vivienda que elijas tiene que disponer de un aval\u00fao inmobiliario registrado en la instituci\u00f3n bancaria.<\/p>\n<p>Una vez que tengas integrado el expediente y definido el monto del cr\u00e9dito, el banco deber\u00e1 registrarlo en el Sistema del Fovissste.<\/p>\n<p>Corrobora los datos de la compraventa<\/p>\n<p>Cuando hayas finalizado todos los pasos anteriores, es momento que revises cautelosamente los datos finales de la transacci\u00f3n, los cuales son:<\/p>\n<p>\u2013 Precio total de la vivienda.<br \/>\n\u2013 Condiciones de pago: tasa de inter\u00e9s, plazo, amortizaciones, etc.<br \/>\n\u2013 Tiempo de entrega de la vivienda.<br \/>\n\u2013 Ubicaci\u00f3n exacta del inmueble.<br \/>\n\u2013 Firma las escrituras ante un notario p\u00fablico<\/p>\n<p>El \u00faltimo paso para comprar una casa a trav\u00e9s de \u2018Respaldados\u2019 Fovissste es\u00a0<strong>cambiar de nombre las escrituras de la propiedad y firmarlas.<\/strong>\u00a0Este proceso se realizar\u00e1 cuando tu expediente est\u00e9 completo y tengas la documentaci\u00f3n completa, las cuales son:<\/p>\n<p>\u2013 T\u00edtulo de la propiedad.<br \/>\n\u2013 Boletas del predial y agua.<br \/>\n\u2013 Aval\u00fao inmobiliario vigente.<br \/>\n\u2013 Documentos personales del vendedor y comprador: acta de nacimiento, identificaci\u00f3n oficial, acta de matrimonio (si es un cr\u00e9dito conyugal).<br \/>\n\u2013 Carta de autorizaci\u00f3n del cr\u00e9dito.<br \/>\n\u2013 De esta manera, el banco solicitar\u00e1 una fecha al notario p\u00fablico para celebrar la compraventa cuando est\u00e9n todos los documentos listos.<\/p>\n<p>Ahora que ya conoces c\u00f3mo funciona el cr\u00e9dito \u2018Respaldados\u2019 de Fovissste. \u00bfEst\u00e1s listo para comenzar a buscar tu hogar ideal?<\/p>\n<p>Fuente: vivanuncios.com<\/p>\n<\/div>\n<div class=\"fusion-builder-row fusion-builder-row-inner fusion-row\">\n<div class=\"fusion-layout-column fusion_builder_column_inner fusion-builder-nested-column-0 fusion_builder_column_inner_1_1 1_1 fusion-one-full fusion-column-first fusion-column-last\">\n<div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-column-wrapper-legacy\">\n<div class=\"fusion-clearfix\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"awb-gallery-wrapper awb-gallery-wrapper-1 button-span-no\">\n<div class=\"fusion-gallery fusion-gallery-container fusion-grid-3 fusion-columns-total-6 fusion-gallery-layout-grid fusion-gallery-1\">\n<div class=\"fusion-grid-column fusion-gallery-column fusion-gallery-column-3 hover-type-zoomin\"><\/div>\n<\/div>\n<\/div>\n<\/div><div class=\"awb-gallery-wrapper awb-gallery-wrapper-1 button-span-no\" style=\"--more-btn-alignment:center;\"><div style=\"margin:-5px;--awb-bordersize:0px;\" class=\"fusion-gallery fusion-gallery-container fusion-grid-3 fusion-columns-total-6 fusion-gallery-layout-grid fusion-gallery-1\"><div 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https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/MG_6347-1-NEW-1200x800.jpg 1200w, https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/MG_6347-1-NEW.jpg 1500w\" data-sizes=\"auto\" data-orig-sizes=\"(min-width: 2200px) 100vw, (min-width: 794px) 397px, (min-width: 717px) 595px, (min-width: 640px) 717px, \" \/><\/a><\/div><\/div><div class=\"clearfix\"><\/div><div style=\"padding:5px;\" class=\"fusion-grid-column fusion-gallery-column fusion-gallery-column-3 hover-type-zoomin\"><div class=\"fusion-gallery-image\"><a href=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/lili.jpeg\" rel=\"noreferrer\" data-rel=\"iLightbox[gallery_image_1]\" class=\"fusion-lightbox\" target=\"_self\"><img decoding=\"async\" src=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/lili.jpeg\" data-orig-src=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/lili.jpeg\" width=\"540\" height=\"540\" alt=\"\" title=\"\" aria-label=\"\" 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rel=\"noreferrer\" data-rel=\"iLightbox[gallery_image_1]\" class=\"fusion-lightbox\" target=\"_self\"><img decoding=\"async\" src=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Acueducto110-1.jpeg\" data-orig-src=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Acueducto110-1.jpeg\" width=\"1125\" height=\"1125\" alt=\"\" title=\"\" aria-label=\"\" class=\"lazyload img-responsive wp-image-8422\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%271125%27%20height%3D%271125%27%20viewBox%3D%270%200%201125%201125%27%3E%3Crect%20width%3D%271125%27%20height%3D%271125%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Acueducto110-1-200x200.jpeg 200w, https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Acueducto110-1-400x400.jpeg 400w, https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/01\/Acueducto110-1-600x600.jpeg 600w, 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