{"id":8498,"date":"2025-01-22T19:19:12","date_gmt":"2025-01-22T19:19:12","guid":{"rendered":"https:\/\/sentidoscreativos.com\/lega2\/?p=8498"},"modified":"2025-08-20T17:45:47","modified_gmt":"2025-08-20T17:45:47","slug":"creditos-bancarios-compra-casa-2025","status":"publish","type":"post","link":"https:\/\/lega.mx\/en\/2025\/01\/22\/creditos-bancarios-compra-casa-2025\/","title":{"rendered":"Conoce las entidades bancarias que ofrecen las mejores opciones de financiamiento"},"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%;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:32;line-height:1.13;\">Compra tu casa con cr\u00e9dito bancario: La opci\u00f3n ideal para derechohabientes del Infonavit o Fovissste con cr\u00e9dito limitado.<\/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><strong>Es por ello que actualmente, podr\u00e1s encontrar programas de cofinanciamiento que unen ambos cr\u00e9ditos para acceder a mejores tasas de inter\u00e9s, montos, mensualidades y plazos; los m\u00e1s conocidos son Cr\u00e9dito Aliados Plus y Cr\u00e9dito Respaldados.<\/strong><\/p>\n<p>Si est\u00e1s en b\u00fasqueda de solicitar un cr\u00e9dito bancario para comprar una casa, a continuaci\u00f3n te compartimos<strong>\u00a03 entidades financieras<\/strong>\u00a0que, de acuerdo con la Comisi\u00f3n Nacional para la Protecci\u00f3n y Defensa de los Usuarios de Servicios Financieros (Condusef), ofrecen los mejores pagos mensuales. \u00a1Desc\u00fabrelas ahora!<\/p>\n<p><strong>\u00bfCu\u00e1les son los cr\u00e9ditos bancarios para comprar una casa que ofrecen las mejores mensualidades?<\/strong><br \/>\n-HSBC Pago Bajo<br \/>\n-Santander Pagos Crecientes<br \/>\n-Citibanamex Hipoteca Perfiles<\/p>\n<p><strong>HSBC Pago Bajo<\/strong><br \/>\nEn los \u00faltimos a\u00f1os, HSBC se ha posicionado como una de las mejores alternativas para comprar una casa con cr\u00e9dito bancario ya que ofrece distintos tipos de cr\u00e9ditos hipotecarios, desde opciones para clientes Premier hasta cofinanciamientos con entidades financieras. A continuaci\u00f3n, te presentaremos el esquema que es conocido como \u2018HSBC Pago Bajo\u2019, el cual se ha posicionado como una opci\u00f3n viable, seg\u00fan el \u00faltimo informe de la Condusef en agosto del 2020.<\/p>\n<p>Este cr\u00e9dito hipotecario ofrece un pago inicial bajo, sin gastos de aprobaci\u00f3n ni comisi\u00f3n por prepagos. Adem\u00e1s, te da la opci\u00f3n de seleccionar plazos desde 15 hasta 20 a\u00f1os, y juntar el monto con un cr\u00e9dito del Infonavit o Fovissste. HSBC Pago Bajo tambi\u00e9n brinda Seguros de Vida y Seguro de Casa Habitaci\u00f3n Colectivo para proteger tu patrimonio, sin embargo es importante cumplir con una serie de requisitos para poder solicitarlo:<\/p>\n<p>Tener una edad m\u00ednima de 25 a\u00f1os y no exceder los 80 a\u00f1os al momento de la autorizaci\u00f3n del cr\u00e9dito.<br \/>\nMantener una antig\u00fcedad m\u00ednima de 6 meses y para clientes HSBC N\u00f3mina un mes. Mientras que para las personas no asalariadas 2 a\u00f1os de actividad comprobable.<br \/>\nEntregar referencias crediticias satisfactorias.<br \/>\nContar con un ingreso m\u00ednimo de 8 mil 500 pesos mensuales.<br \/>\nComprobar ingresos con base en tu actividad laboral.<\/p>\n<p>Ahora bien, supongamos que quieres comprar una casa de un mill\u00f3n de pesos y deseas terminar de pagarla en un plazo de 15 a\u00f1os. En este caso,\u00a0<strong>HSBC te solicitar\u00e1<\/strong>\u00a0un enganche del 20% sobre el valor de la propiedad de inter\u00e9s. De acuerdo con datos de la Condusef, la entidad financiera te brindar\u00e1 un pago mensual inicial de $8,743.00 pesos, te ofrecer\u00e1 una tasa de inter\u00e9s fija de 9.65%, y un CAT del 12.3%, por lo que terminar\u00e1s pagando un total de $1,751,581.00 pesos por todas las mensualidades que dure el pr\u00e9stamo.<\/p>\n<p>En caso de querer acceder al cr\u00e9dito Pago Bajo puedes comenzar a realizar una simulaci\u00f3n de tu cr\u00e9dito con base en tus necesidades y presupuesto.<\/p>\n<p><strong>Santander Pagos Crecientes<\/strong><br \/>\nEste cr\u00e9dito bancario para comprar casa que ofrece Santander consiste en asignar una tasa fija de acuerdo con tu perfil, capacidad de pago y necesidades. De esta manera, podr\u00e1s elegir entre pagos fijos o pagos crecientes. Los principales requisitos para solicitarlo son:<\/p>\n<p>Tener entre 21 y 78 a\u00f1os de edad.<br \/>\nIngreso m\u00ednimo de 7 mil 500 pesos neto si eres asalariado o 360 mil pesos anuales si eres freelance.<br \/>\nMantener una antig\u00fcedad laboral de un a\u00f1o para asalariados o m\u00ednimo 2 a\u00f1os como trabajador independiente.<br \/>\nDisponer de un seguro de vida que cubra da\u00f1os y desempleo.<br \/>\nContar con buen historial crediticio.<\/p>\n<p>Elegir una propiedad en una zona urbana, que est\u00e9 en buen estado, libre de gravamen y que sea de uso habitacional.<br \/>\nDe acuerdo con el c\u00e1lculo realizado por la Condusef, la mejor opci\u00f3n que ofrece Santander es el esquema de Pagos Crecientes, el cual permite liquidar el cr\u00e9dito hipotecario en un plazo de 15 a 20 a\u00f1os y un enganche de 20% sobre el valor del inmueble.<\/p>\n<p>Siguiendo con el ejemplo anterior, de comprar una casa con un valor de un mill\u00f3n de pesos y a un plazo de 15 a\u00f1os, terminar\u00e1s obteniendo un pago mensual inicial de $9,013.89 pesos, una tasa de inter\u00e9s de 10.65% y un CAT anual de 13.1%. Gracias a esto, el pago total de la propiedad ser\u00e1 de $1,949,156.68 pesos.<\/p>\n<p>A pesar que se increment\u00f3 el financiamiento en este ejemplo, no te preocupes, ya que podr\u00e1s encontrar esquemas m\u00e1s bajos que est\u00e9n apegados a tus necesidades.<\/p>\n<p><strong>Citibanamex Hipoteca Perfiles<\/strong><br \/>\nComprar una casa con cr\u00e9dito bancario Citibanamex tambi\u00e9n representa una buena opci\u00f3n, ya que bajo el programa de Hipoteca Perfiles podr\u00e1s encontrar distintos esquemas de financiamiento como A tu Medida, Pagos Fijos y Cambia tu Hipoteca, los cuales te brindan una tasa fija desde 7.90%, plazos de 10 a 20 a\u00f1os y la opci\u00f3n de aumentar tu hipoteca con el saldo de Infonavit o Fovissste a trav\u00e9s de los programas Cofinavit y Alia2 Plus. Los requisitos para solicitar un cr\u00e9dito hipotecario Citibanamex son:<\/p>\n<p>Tener entre 23 y 69 a\u00f1os de edad.<\/p>\n<p>Contar con un buen historial crediticio.<br \/>\nDisponer de un ingreso m\u00ednimo de 15 mil pesos mensuales o de 20 mil pesos si decides un cofinanciamiento con tu pareja, hijos, padre o madre.<br \/>\nMantener m\u00ednimo un a\u00f1o de antig\u00fcedad laboral.<br \/>\nDe esta manera, si est\u00e1s interesado en comprar una casa de un valor aproximado de un mill\u00f3n de pesos, estar\u00e1s pagando una mensualidad inicial de $9,051.01 pesos con una tasa de inter\u00e9s de 9.25% y un CAT de 11.2%, por lo que la vivienda tendr\u00e1 un pago total de $1,600,866.67 pesos (incluye el pago de intereses).\u00a0<strong>\u00a1Simula tu cr\u00e9dito ahora!<\/strong><\/p>\n<p>Ahora que ya conoces cu\u00e1les son los cr\u00e9ditos bancarios para comprar una casa que m\u00e1s te convienen, puedes comenzar a buscar casas en venta.<\/p>\n<\/div><div 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https:\/\/lega.mx\/wp-content\/uploads\/sites\/153\/2025\/07\/nota205-NEW.jpg 1200w\" 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><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":138,"featured_media":8500,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[192],"tags":[],"class_list":["post-8498","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Las mejores entidades bancarias para financiar tu casa en 2025<\/title>\n<meta name=\"description\" content=\"Descubre las mejores 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