{"id":608,"date":"2024-06-06T23:57:46","date_gmt":"2024-06-06T23:57:46","guid":{"rendered":"https:\/\/carpin.mx\/blog\/?p=608"},"modified":"2024-04-10T17:07:57","modified_gmt":"2024-04-10T17:07:57","slug":"usos-de-la-subcuenta-de-vivienda","status":"publish","type":"post","link":"https:\/\/carpin.mx\/blog\/usos-de-la-subcuenta-de-vivienda\/","title":{"rendered":"Usos de la subcuenta de vivienda"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Durante tu vida laboral habr\u00e1 aportaciones laborales que son destinadas a distintas cuentas y fines. Un ejemplo de esto es la <strong>subcuenta de vivienda<\/strong>, la cual es parte de la cuenta individual del sistema de ahorro para el retiro y est\u00e1 conformada por el <strong>5%<\/strong> de tu salario bimestral. Es muy importante que conozcas cu\u00e1les son los usos que puedes darle, as\u00ed que si quieres saberlo sigue leyendo: <\/p>\n\n\n\n<figure class=\"wp-block-gallery has-nested-images columns-default is-cropped wp-block-gallery-1 is-layout-flex wp-block-gallery-is-layout-flex\">\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" data-id=\"614\" src=\"https:\/\/carpin.mx\/blog\/wp-content\/uploads\/2024\/04\/subcuenta.webp\" alt=\"Entre los usos de la subcuenta de vivienda est\u00e1 el de comprar una vivienda, ya sea nueva o usada\" class=\"wp-image-614\" srcset=\"https:\/\/carpin.mx\/blog\/wp-content\/uploads\/2024\/04\/subcuenta.webp 1024w, https:\/\/carpin.mx\/blog\/wp-content\/uploads\/2024\/04\/subcuenta-300x200.webp 300w, https:\/\/carpin.mx\/blog\/wp-content\/uploads\/2024\/04\/subcuenta-768x512.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Sin importar para que instituci\u00f3n cotices (Infonavit o FOVISSSTE), estos son los usos que puedes darle a la subcuenta de vivienda:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Adquirir una vivienda nueva o usada<\/li>\n\n\n\n<li>Construir<\/li>\n\n\n\n<li>Ampliar o remodelar tu casa<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfC\u00f3mo conocer cu\u00e1nto tienes ahorrado?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puedes revisar los estados de cuenta que llegan a trav\u00e9s de tu <strong>AFORE<\/strong>, ya que en ellos existe un apartado nombrado <strong>Subcuenta de Vivienda<\/strong>, donde podr\u00e1s conocer qu\u00e9 cantidad te corresponde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si cotizas en <a href=\"https:\/\/portalmx.infonavit.org.mx\/wps\/portal\/infonavitmx\/mx2\/derechohabientes\/!ut\/p\/z1\/hY-9DoJAEISfxYKWXX6Ew-4iiQoJgQbwGgMGDxLgCJzy-l6UxkR0ut35ZjcDDHJgffFoeCEb0Retms_MuTgHxOPeNiKSEopJ5EVm6FhmQF3I_gFM2bgiiirPXsjqBWcBPM-3jZCgGRsRYpImhn_yXdyivQA_ngTAeCvKdx_alxbhwMbqVo3VqN9Hta6lHKadhhrO86xzIXhb6VfRafgtUotJQv5JwtDl2MRdRia6eQLjCZYX\/dz\/d5\/L2dJQSEvUUt3QS80TmxFL1o2XzZHMDBIQzQxTjhWOEEwUU45TjJLNjMySkE3\/\">Infonavit<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingresa a Mi Cuenta INFONAVIT en: <a href=\"https:\/\/micuenta.infonavit.org.mx\/\">micuenta.infonavit.org.mx<\/a><\/li>\n\n\n\n<li>En el apartado Mi Ahorro, da clic en \u00bfCu\u00e1nto ahorro tengo?<\/li>\n\n\n\n<li>Listo, ah\u00ed podr\u00e1s conocer el desglose de aportaciones y cu\u00e1nto dinero tienes.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si cotizas en <a href=\"https:\/\/www.fovissste.gob.mx\/\">FOVISSSTE<\/a>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ingresa al portal de FOVISSSTE dando clic <a href=\"https:\/\/nvoedocta.fovissste.com.mx\/Account\/Login.aspx?ReturnUrl=%2f\">aqu\u00ed<\/a>.<\/li>\n\n\n\n<li>Se te pedir\u00e1 tu CURP y contrase\u00f1a, posteriormente ingresa a la secci\u00f3n &#8220;Estado de Cuenta&#8221;.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00bfQu\u00e9 pasa si nunca usaste la subcuenta de vivienda?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si nunca tramitaste alg\u00fan cr\u00e9dito hipotecario, el dinero acumulado en tu subcuenta de vivienda puede usarse como complemento a la jubilaci\u00f3n o retirarlo en caso de que as\u00ed lo requieras.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Recuerda que mientras este ahorro sea administrado por Infonavit o FOVISSSTE, generar\u00e1 rendimientos que por ley deber\u00edan ser superiores o iguales a la inflaci\u00f3n. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00bfQuieres m\u00e1s informaci\u00f3n? <a href=\"https:\/\/carpin.mx\/contacto.php\">\u00a1Contacta a nuestros asesores!<\/a> Con gusto te ayudar\u00e1n. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>Durante tu vida laboral habr\u00e1 aportaciones laborales que son destinadas a distintas cuentas y fines. Un ejemplo de esto es la subcuenta de vivienda, la cual es parte de la cuenta individual del sistema de ahorro&#8230;<\/p>\n","protected":false},"author":1,"featured_media":613,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[9,20,24,98,14,23,97],"class_list":["post-608","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","tag-casas-carpin","tag-creditos-hipotecarios","tag-creditos-infonavit","tag-desempleo","tag-fovissste","tag-infonavit","tag-subcuenta-de-vivienda"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Usos de la subcuenta de vivienda - Mundo Carp\u00edn | Casas Carp\u00edn<\/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:\/\/carpin.mx\/blog\/usos-de-la-subcuenta-de-vivienda\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Usos de la subcuenta de vivienda - Mundo Carp\u00edn | Casas Carp\u00edn\" \/>\n<meta property=\"og:description\" content=\"Durante tu vida laboral habr\u00e1 aportaciones laborales que son destinadas a distintas cuentas y fines. 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