{"id":6905,"date":"2025-08-08T09:00:00","date_gmt":"2025-08-08T15:00:00","guid":{"rendered":"https:\/\/factura.com\/blog\/?p=6905"},"modified":"2025-08-26T09:20:51","modified_gmt":"2025-08-26T15:20:51","slug":"conoce-como-funciona-el-fovissste","status":"publish","type":"post","link":"https:\/\/factura.com\/blog\/conoce-como-funciona-el-fovissste\/","title":{"rendered":"Conoce c\u00f3mo funciona el FOVISSSTE."},"content":{"rendered":"\n<p>\u00bfEres trabajador del Estado y sue\u00f1as con tener tu propia casa? El FOVISSSTE puede ser tu mejor aliado. Este organismo te ayuda a obtener un cr\u00e9dito hipotecario para comprar, construir o mejorar tu vivienda, todo respaldado por el gobierno.<\/p>\n\n\n\n<p><strong>Tabla de contenido:\u00a0<\/strong><br><strong><a href=\"#FOVISSSTE\">1- \u00bfQu\u00e9 es el FOVISSSTE?<\/a><\/strong><br><strong><a href=\"#acceder\">2- \u00bfQui\u00e9nes pueden acceder a un cr\u00e9dito FOVISSSTE?<\/a><\/strong><br><strong><a href=\"#Conoces\">3- \u00bfConoces los tipos de cr\u00e9ditos que ofrece el FOVISSSTE?<\/a><\/strong><br><strong><a href=\"#solicita\">4- \u00bfC\u00f3mo se solicita un cr\u00e9dito FOVISSSTE?<\/a><\/strong><br><strong><a href=\"#ventajas\">5- \u00bfQu\u00e9 ventajas ofrece?<\/a><\/strong><br><strong><a href=\"#Recomendaciones\">6- Recomendaciones antes de solicitar un cr\u00e9dito.<\/a><\/strong><br><strong><a href=\"#razones\">7- 10 razones para obtener un cr\u00e9dito FOVISSSTE.<\/a><\/strong><br><strong><a href=\"#facturaci\u00f3n\">8- \u00bfY la facturaci\u00f3n electr\u00f3nica?<\/a><\/strong><\/p>\n\n\n\n<p>Si trabajas para el gobierno y est\u00e1s pensando en comprar, construir o remodelar tu casa, el FOVISSSTE puede ayudarte a hacerlo realidad. Este fondo ofrece diferentes tipos de cr\u00e9ditos para que los trabajadores del Estado accedan a una vivienda digna, con tasas accesibles y pagos v\u00eda n\u00f3mina. En este blog te explicamos c\u00f3mo funciona y c\u00f3mo puedes aprovecharlo.&nbsp;<\/p>\n\n\n\n<h2><strong id=\"FOVISSSTE\">\u00bfQu\u00e9 es el FOVISSSTE?<\/strong><\/h2>\n\n\n\n<p>El Fondo de la Vivienda del Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado (FOVISSSTE) es un organismo mexicano que otorga cr\u00e9ditos para la vivienda a los trabajadores del sector p\u00fablico. Funciona como una subcuenta dentro del ISSSTE y se financia con las aportaciones patronales del 5% del salario base de cotizaci\u00f3n del trabajador.<\/p>\n\n\n\n<h2><strong id=\"acceder\">\u00bfQui\u00e9nes pueden acceder a un cr\u00e9dito FOVISSSTE?<\/strong><\/h2>\n\n\n\n<p>Pueden acceder los trabajadores que:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Est\u00e1n activos en alguna dependencia del gobierno.<\/li>\n\n\n\n<li>Cotizan al ISSSTE.<\/li>\n\n\n\n<li>Tienen al menos 18 meses de aportaciones continuas.<\/li>\n\n\n\n<li>No est\u00e1n en proceso de jubilaci\u00f3n.<\/li>\n\n\n\n<li>No han recibido un cr\u00e9dito FOVISSSTE anteriormente (o ya lo liquidaron, en caso de solicitar un segundo cr\u00e9dito).<\/li>\n<\/ul>\n\n\n\n<h2><strong id=\"Conoces\">\u00bfConoces los tipos de cr\u00e9ditos que ofrece el FOVISSSTE?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cr\u00e9dito tradicional: Es el m\u00e1s com\u00fan. Se otorga por sorteo y puedes usarlo para comprar una casa nueva o usada, o construir en terreno propio.<\/li>\n\n\n\n<li>Cr\u00e9dito con subsidio: Para trabajadores de bajos ingresos, con apoyo del gobierno federal a trav\u00e9s de la CONAVI.<\/li>\n\n\n\n<li>Cr\u00e9dito pensionados: Para personas pensionadas por el ISSSTE que nunca hayan recibido un cr\u00e9dito.<\/li>\n\n\n\n<li>FOVISSSTE en pesos: Cr\u00e9dito otorgado directamente en pesos con tasa fija y sin sorteo.<\/li>\n\n\n\n<li>Segundo cr\u00e9dito: Para quienes ya terminaron de pagar su primer cr\u00e9dito y desean uno nuevo.<\/li>\n\n\n\n<li>Cr\u00e9dito conyugal FOVISSSTE-INFONAVIT: Para matrimonios en donde uno cotiza al FOVISSSTE y el otro al INFONAVIT. Permite unir ambos montos para comprar una casa.<\/li>\n\n\n\n<li>ConstruYES tu casa: Nuevo programa enfocado en trabajadores que desean construir por cuenta propia en un terreno propio.<\/li>\n<\/ul>\n\n\n\n<h2><strong id=\"solicita\">\u00bfC\u00f3mo se solicita un cr\u00e9dito FOVISSSTE?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revisi\u00f3n de requisitos: Aseg\u00farate de cumplir con los criterios de elegibilidad.<\/li>\n\n\n\n<li>Registro en l\u00ednea: Para los cr\u00e9ditos tradicionales, debes registrarte en los periodos de sorteo en el sitio oficial <a href=\"http:\/\/www.gob.mx\/fovissste\">www.gob.mx\/fovissste<\/a>.<\/li>\n\n\n\n<li>Selecci\u00f3n o sorteo: Dependiendo del tipo de cr\u00e9dito, entrar\u00e1s a un sorteo o evaluaci\u00f3n.<\/li>\n\n\n\n<li>Asignaci\u00f3n de cr\u00e9dito: Si eres seleccionado, se te asignar\u00e1 un monto de cr\u00e9dito dependiendo de tu sueldo base y ahorro acumulado.<\/li>\n\n\n\n<li>Formalizaci\u00f3n y firma: Debes elegir la vivienda, firma de escrituras y posterior entrega.<\/li>\n<\/ul>\n\n\n\n<h2><strong id=\"ventajas\">\u00bfQu\u00e9 ventajas ofrece?<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tasa de inter\u00e9s.<\/li>\n\n\n\n<li>Descuentos v\u00eda n\u00f3mina.<\/li>\n\n\n\n<li>Sin necesidad de intermediarios financieros.<\/li>\n\n\n\n<li>Puedes complementarlo con tu ahorro, subsidios o incluso unirlo con INFONAVIT.<\/li>\n<\/ul>\n\n\n\n<h2><strong id=\"Recomendaciones\">Recomendaciones antes de solicitar un cr\u00e9dito.<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Revisa tu historial de cotizaci\u00f3n en el ISSSTE.<\/li>\n\n\n\n<li>Analiza tu capacidad de pago mensual.<\/li>\n\n\n\n<li>Compara precios de vivienda y elige desarrollos autorizados.<\/li>\n\n\n\n<li>Considera tambi\u00e9n el tiempo de tramitaci\u00f3n, ya que algunos cr\u00e9ditos pueden tardar meses.\u00a0<\/li>\n<\/ul>\n\n\n\n<h2><strong id=\"razones\">10 razones para obtener un cr\u00e9dito FOVISSSTE.<\/strong><\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>No necesitas enganche: A diferencia de los cr\u00e9ditos bancarios, en los que se exige un enganche del 10% al 30% del valor de la propiedad, con Fovissste puedes financiar el 100% del costo de tu vivienda.<\/li>\n\n\n\n<li>Tasa de inter\u00e9s preferencial: Los cr\u00e9ditos del Fovissste tienen una tasa de inter\u00e9s competitiva.<\/li>\n\n\n\n<li>Descuento autom\u00e1tico v\u00eda n\u00f3mina: El cr\u00e9dito se descuenta autom\u00e1ticamente de tu sueldo, lo que te da comodidad y seguridad en la administraci\u00f3n de tu deuda.<\/li>\n\n\n\n<li>Uso del saldo de tu subcuenta de vivienda: El ahorro acumulado en tu Subcuenta se utiliza como primer pago del cr\u00e9dito.<\/li>\n\n\n\n<li>Aportaciones de tu dependencia a tu favor: Las aportaciones subsecuentes de 5% de la Subcuenta de Vivienda se aplicar\u00e1n para amortizar tu cr\u00e9dito.<\/li>\n\n\n\n<li>Apoyo con honorarios notariales: El Fovissste absorber\u00e1 50% del costo por el contrato de mutuo y la inscripci\u00f3n en el Registro P\u00fablico de la Propiedad.<\/li>\n\n\n\n<li>Sin penalizaci\u00f3n por pagos anticipados: Puedes hacer pagos a tu cr\u00e9dito antes de tiempo sin penalizaciones.<\/li>\n\n\n\n<li>Seguro de vida y protecci\u00f3n contra invalidez (el seguro de invalidez total y permanente no aplica para el Cr\u00e9dito Pensionados) sin costo: En caso de fallecimiento o invalidez total y permanente, el cr\u00e9dito queda cubierto.<\/li>\n\n\n\n<li>Seguro de da\u00f1os: Durante el plazo del cr\u00e9dito, tu vivienda estar\u00e1 protegida en caso de desastres naturales como huracanes, temblores o incendios.<\/li>\n\n\n\n<li>Pr\u00f3rroga de hasta 1 a\u00f1o en caso de desempleo (esta pr\u00f3rroga no aplica para los cr\u00e9ditos Pensionados y Fovissste para Todos): Este beneficio te ofrece un respiro financiero en momentos dif\u00edciles.<\/li>\n<\/ol>\n\n\n\n<h2><strong id=\"facturaci\u00f3n\">\u00bfY la facturaci\u00f3n electr\u00f3nica?<\/strong><\/h2>\n\n\n\n<p>Si est\u00e1s construyendo o remodelando tu vivienda y te expiden facturas por materiales, mano de obra, servicios o consultor\u00eda, puedes aprovechar esos CFDI para comprobar gastos ante el SAT o en otros tr\u00e1mites. En estos casos, es importante pedir facturas v\u00e1lidas y revisar que tengan los complementos fiscales necesarios.<\/p>\n\n\n\n<p>El <strong>FOVISSSTE <\/strong>es una herramienta poderosa que ha permitido a miles de trabajadores del Estado acceder a una vivienda digna. Si cumples con los requisitos, aprovecha los programas que mejor se adapten a tu situaci\u00f3n y construye el hogar que siempre so\u00f1aste.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fcb9002e\">\u00a1Esperamos que esta informaci\u00f3n te sea \u00fatil! Si tienes alguna otra pregunta o necesitas m\u00e1s ayuda, no dudes en preguntarnos. Y si te gust\u00f3 o sirvi\u00f3 mucho este art\u00edculo puedes compartirlo en tus redes sociales y etiquetar a tus amigos. Y tambi\u00e9n te queremos recordar que en <strong><a href=\"http:\/\/Factura.com\">Factura.com <\/a><\/strong>tenemos planes de facturaci\u00f3n electr\u00f3nica para ti y\/o tus amigos y an\u00edmate a conocernos. <strong>\u00a1Incluso puedes probar la <\/strong><a href=\"https:\/\/factura.com\/registro\"><strong>plataforma 15 d\u00edas gratis<\/strong><\/a><strong>!<\/strong> <\/p>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-16018d1d wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/FacturaMexico\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 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