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Miércoles, 01 Junio 2016 17:56

Subrogación de créditos del Infonavit se acerca

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Acreditados podrían cambiar su hipoteca por otra más barata

El gobierno federal, los bancos y el Infonavit trabajan en el diseño de esquemas para que acreditados del Instituto puedan cambiar las condiciones de su préstamo vigente por uno más barato o se les reduzca su tasa de interés y sea fija, como hoy sucede ya entre las instituciones bancarias.

El presidente de la Asociación de Bancos de México (ABM), Luis Robles Miaja, explicó que una subrogación de créditos hipotecarios entre el Infonavit y la banca es posible gracias a la estabilidad económica y las condiciones financieras del país y generaría ahorros importantes a los trabajadores mexicanos.

 Consideró que se lograría una reducción importante en los créditos de los trabajadores porque aplicaría a aquéllos que hoy están vigentes en veces salarios mínimos, con los cuales el pago aumenta en el tiempo, y se tratará que esos préstamos tengan una tasa fija.

 “Lo que estamos trabajando es en estructuras que permitan establecer un pago fijo que les da la garantía, no tienen incertidumbre y por el otro lado, tienen la posibilidad de acceder un crédito más barato o transformar su crédito en un crédito barato, dadas las condiciones y la estabilidad”, dijo en entrevista.

“Es el mismo ejemplo de la subrogación de créditos hipotecarios aplicada al Infonavit”, es decir, se trata de una portabilidad de créditos, subrayó el también presidente del Consejo de Administración de BBVA Bancomer.

Comentó que hay créditos vigentes en el Infonavit que están en salarios mínimos, donde las tasas reales y efectivas -por el momento en el que se contrataron- de 12 o 13 por ciento y que “con mecanismos que estamos estudiando y trabajando junto con el gobierno federal, vamos a poder los bancos y el Infonavit, primero convertirlo a pesos, quitándole la incertidumbre”.

 Además, afirmó, esto reduciría los pagos mensuales con lo cual las familias tienen un mayor ingreso disponible las familias, e insistió, “es lo mismo de la subrogación, pero para el Infonavit”, pues destacó que hoy la banca tiene las tasas hipotecaras más bajas de la historia y podrían aprovecharse también por los afiliados al Instituto.

 El secretario de Hacienda, Luis Videgaray, anticipó en su momento, que esta fue una propuesta de la ABM que abrirá la posibilidad refinanciar la cartera hipotecaria del Infonavit para que, con la participación de la banca, se reduzca el costo que pagan los trabajadores por su hipoteca.

Visto 27438 veces Modificado por última vez en Miércoles, 01 Junio 2016 18:09

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