{"id":3068,"date":"2019-03-22T19:46:47","date_gmt":"2019-03-22T19:46:47","guid":{"rendered":"https:\/\/www.legalario.com\/blog\/?p=3068"},"modified":"2024-01-04T15:58:29","modified_gmt":"2024-01-04T15:58:29","slug":"que-pasa-si-no-pago-mi-credito-hipotecario","status":"publish","type":"post","link":"https:\/\/legalario.com\/blog\/que-pasa-si-no-pago-mi-credito-hipotecario\/","title":{"rendered":"\u00bfQu\u00e9 pasa si no pago mi cr\u00e9dito hipotecario? [Escenarios en los que te podr\u00edas encontrar y recomendaciones]"},"content":{"rendered":"<p><span data-contrast=\"none\">Adquirir una\u00a0<\/span><span data-contrast=\"none\">casa en M\u00e9xico,\u00a0<\/span><span data-contrast=\"none\">es una de las\u00a0<\/span><span data-contrast=\"none\">principales\u00a0<\/span><span data-contrast=\"none\">metas que much<\/span><span data-contrast=\"none\">os\u00a0<\/span><span data-contrast=\"none\">se proponen, pero se\u00a0<\/span><span data-contrast=\"none\">vuelve una prioridad al comenzar la vida familiar. Una opci\u00f3n para esto es <span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/blog\/requisitos-para-credito-hipotecario\/\" target=\"_blank\" rel=\"noopener noreferrer\">recurrir al cr\u00e9dito hipotecario<\/a>.<\/span> Aunque es una realidad que para a<\/span><span data-contrast=\"none\">lgunas<\/span><span data-contrast=\"none\">\u00a0familias\u00a0su situaci\u00f3n financiera cambia con el paso del tiempo y dejan de tener los r<\/span><span data-contrast=\"none\">ecursos suficientes para hacer frente a los gastos\u00a0<\/span><span data-contrast=\"none\">del cr\u00e9dito que adquirieron. Es en estos casos cuando nos hacemos la pregunta,<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">\u00bf<\/span><span data-contrast=\"none\">Qu\u00e9 pasa si no pag<\/span><span data-contrast=\"none\">o<\/span><span data-contrast=\"none\">\u00a0mi cr\u00e9dito hipotecario<\/span><span data-contrast=\"none\">?.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Antes de llega<\/span><span data-contrast=\"none\">r<\/span><span data-contrast=\"none\">\u00a0al punto de no poder hacer frente a la hipoteca, se atraviesan etapas de dificultades econ\u00f3micas. Es ah\u00ed cuando podemos adelantarnos y:<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Acudir al<\/span><span data-contrast=\"none\">\u202f<\/span><span data-contrast=\"none\">banco o entidad acreedora\u202f<\/span><span data-contrast=\"none\">del pr\u00e9stamo hipotecario para explicarles la situaci\u00f3n y tratar de\u202f<\/span><span data-contrast=\"none\">renegociar\u00a0<\/span><span data-contrast=\"none\">las condiciones del cr\u00e9dito.<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"3\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Negociar la ampliaci\u00f3n de la duraci\u00f3n del cr\u00e9dito a\u00a0<\/span><span data-contrast=\"none\">cambio de\u00a0<\/span><span data-contrast=\"none\">que el pago mensual se vea reducido. A<\/span><span data-contrast=\"none\">s\u00ed<\/span><span data-contrast=\"none\">\u00a0aunque tengamos dificultades\u00a0<\/span><span data-contrast=\"none\">econ\u00f3micas\u00a0<\/span><span data-contrast=\"none\">no tendr\u00edamos que dejar de pagar\u00a0<\/span><span data-contrast=\"none\">nuestro cr\u00e9dito hipotecario<\/span><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Si es el caso en el que tuviste que dejar de pagar tu cr\u00e9dito hipotecario<\/span><span data-contrast=\"none\">,\u00a0<\/span><span data-contrast=\"none\">por\u00a0<\/span><span data-contrast=\"none\">ejemplo,\u00a0<\/span><span data-contrast=\"none\">porque\u00a0<\/span><span data-contrast=\"none\">no\u00a0<\/span><span data-contrast=\"none\">pudiste llegar a un<\/span><span data-contrast=\"none\">\u00a0acuerdo con el banco<\/span><span data-contrast=\"none\">,\u00a0<\/span><span data-contrast=\"none\">a veces no queda otra opci\u00f3n que dejar de pagar.\u00a0<\/span><span data-contrast=\"none\">Ahora\u00a0<\/span><span data-contrast=\"none\">bien,\u00a0<\/span><span data-contrast=\"none\">respondiendo a la pregunta\u00a0<\/span><span data-contrast=\"none\">\u00bfQu\u00e9 pasa si no pago mi cr\u00e9dito hipotecario<\/span><span data-contrast=\"none\">?. Lo dividiremos en<\/span><span data-contrast=\"none\">\u00a0tres etapas:<\/span><\/p>\n<h2>\u00bfQu\u00e9 pasa si no pago mi cr\u00e9dito hipotecario?Primera etapa: (un mes de retraso)<\/h2>\n<p><span data-contrast=\"none\">Si\u00a0<\/span><span data-contrast=\"none\">ya transcurri\u00f3 un<\/span><span data-contrast=\"none\">\u00a0mes\u202f<\/span><span data-contrast=\"none\">desde\u00a0<\/span><span data-contrast=\"none\">que dejaste de pagar<\/span><span data-contrast=\"none\">, el\u202f b<\/span><span data-contrast=\"none\">anco se pon<\/span><span data-contrast=\"none\">dr\u00e1\u00a0<\/span><span data-contrast=\"none\">en contacto<\/span><span data-contrast=\"none\">\u202fcon<\/span><span data-contrast=\"none\">tigo v\u00eda telef\u00f3nica o mail<\/span><span data-contrast=\"none\">\u00a0para\u00a0<\/span><span data-contrast=\"none\">verificar<\/span><span data-contrast=\"none\">\u00a0si\u00a0<\/span><span data-contrast=\"none\">la falta de pago<\/span><span data-contrast=\"none\">\u00a0es debido a un error. D<\/span><span data-contrast=\"none\">\u00e1ndo<\/span><span data-contrast=\"none\">te<\/span><span data-contrast=\"none\">\u00a0as\u00ed la\u202f<\/span><span data-contrast=\"none\">opci\u00f3n\u00a0<\/span><span data-contrast=\"none\">de\u202f<\/span><span data-contrast=\"none\">liquidar el adeudo<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">\u202fcon sus respectivos intereses de demora para solucionar el problema.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Toma en cuenta que l<\/span><span data-contrast=\"none\">a mayor\u00eda de los bancos y acreedores est\u00e1n dispuestos a intentar\u00a0<\/span><span data-contrast=\"none\">negociar con los clientes que se ponen en contacto con ellos para negociar.<\/span><\/p>\n<p><span data-contrast=\"none\">En esta etapa\u00a0<\/span><span data-contrast=\"none\">puede<\/span><span data-contrast=\"none\">s<\/span><span data-contrast=\"none\">\u00a0buscar una reestructuraci\u00f3n de la deuda o<\/span><span data-contrast=\"none\">\u00a0bien<\/span><span data-contrast=\"none\">\u00a0una pr\u00f3rroga\u00a0<\/span><span data-contrast=\"none\">de tiempo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:225,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2>Segunda etapa: (tres o cuatro meses de retraso)<\/h2>\n<p><span data-contrast=\"none\">Si tienes tres o cuatro<\/span><span data-contrast=\"none\">\u00a0mensualidades<\/span><span data-contrast=\"none\">\u00a0sin pagar<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">el atraso en tu cr\u00e9dito ser\u00e1 considerado como<\/span><span data-contrast=\"none\">\u00a0mora legal<\/span><span data-contrast=\"none\">\u00a0y el banco podr\u00e1 hacerte formalmente un requerimiento de pago<span style=\"color: #333399;\">. (<a href=\"https:\/\/www.legalario.com\/document\/requerimiento-de-pago\"><em>Modelo de carta de requerimiento de pago<\/em><\/a>)<\/span><\/span><\/p>\n<p><span data-contrast=\"none\">Si<\/span><span data-contrast=\"none\">\u00a0sabes que<\/span><span data-contrast=\"none\">\u00a0tu situaci\u00f3n financiera se regular\u00e1 dentro de poco tiempo<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">y\u00a0<\/span><span data-contrast=\"none\">tendr\u00e1<\/span><span data-contrast=\"none\">s<\/span><span data-contrast=\"none\">\u00a0la capacidad\u00a0<\/span><span data-contrast=\"none\">econ\u00f3mica<\/span><span data-contrast=\"none\">\u00a0de reanudar\u00a0<\/span><span data-contrast=\"none\">los<\/span><span data-contrast=\"none\">\u00a0pagos, es\u00a0<\/span><span data-contrast=\"none\">probable<\/span><span data-contrast=\"none\">\u00a0que\u00a0<\/span><span data-contrast=\"none\">el banco te de la opci\u00f3n de dar un\u00a0<\/span><span data-contrast=\"none\">pago inicial (entre el 30% y el 70% del monto total del<\/span><span data-contrast=\"none\">\u00a0adeudo<\/span><span data-contrast=\"none\">)\u00a0<\/span><span data-contrast=\"none\">y con ello evitar que tu financiamiento sea cancelado<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:225,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">Tercera etapa: (m\u00e1s de seis meses de retraso)<\/span><\/h2>\n<p><span data-contrast=\"none\">Si\u00a0<\/span><span data-contrast=\"none\">la falta de pago excede los seis meses<\/span><span data-contrast=\"none\">,\u00a0<\/span><span data-contrast=\"none\">en este punto<\/span><span data-contrast=\"none\">\u00a0el b<\/span><span data-contrast=\"none\">anco emprend<\/span><span data-contrast=\"none\">er\u00e1<\/span><span data-contrast=\"none\">\u202f<\/span><span data-contrast=\"none\">acciones legales\u00a0<\/span><span data-contrast=\"none\">tendientes a<\/span><span data-contrast=\"none\">\u00a0ejecutar la garant\u00eda del pr\u00e9stamo.<\/span><span data-contrast=\"none\">\u00a0Es decir, recuperar el dinero que te prestaron mediante el embargo de una propiedad.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p style=\"text-align: left;\"><span data-contrast=\"none\">Las\u202f<\/span><span data-contrast=\"none\">consecuencias<\/span><span data-contrast=\"none\">\u202fde dejar de pagar tu cr\u00e9dito hipotecario suelen terminar en un\u00a0<\/span><span data-contrast=\"none\">proceso\u00a0<\/span><span data-contrast=\"none\">de\u00a0<\/span><span data-contrast=\"none\">embargo\u00a0<\/span><span data-contrast=\"none\">y<\/span><span data-contrast=\"none\">\u00a0subasta<\/span><span data-contrast=\"none\">\u00a0por parte del banco.<\/span><span data-contrast=\"none\">\u00a0\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">En este punto, a menos que\u00a0<\/span><span data-contrast=\"none\">liquides la deuda por completo m\u00e1s los intereses moratorios<\/span><span data-contrast=\"none\">,\u00a0<\/span><span data-contrast=\"none\">el banco<\/span><span data-contrast=\"none\">\u00a0iniciar\u00e1 el procedimiento de ejecuci\u00f3n hipotecaria.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:225,&quot;335559740&quot;:360}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:225,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<h2>El Banco ya me notific\u00f3 que iniciar\u00e1 un proceso legal por la falta de pago. \u00bfQu\u00e9 hago?<\/h2>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Negociar<\/span><\/b><b><span data-contrast=\"none\">\u00a0la liquidaci\u00f3n total\u00a0<\/span><\/b><b><span data-contrast=\"none\">inmediata\u00a0<\/span><\/b><b><span data-contrast=\"none\">del inmueble<\/span><\/b><span data-contrast=\"none\">\u00a0por medio de una quita o descuento.<\/span><span data-contrast=\"none\">\u00a0Para ello, deber\u00e1s<\/span><span data-contrast=\"none\">\u00a0tener ahorrado al menos el 70% del monto total del\u00a0<\/span><span data-contrast=\"none\">cr\u00e9dito inicial<\/span><span data-contrast=\"none\">.\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Reestructuraci\u00f3n del saldo\u00a0<\/span><\/b><b><span data-contrast=\"none\">adeudado\u00a0<\/span><\/b><b><span data-contrast=\"none\">de la hipoteca.<\/span><\/b><span data-contrast=\"none\">\u202f<\/span><span data-contrast=\"none\">Esta opci\u00f3n te sirve si el problema financiero por el que dejaste de pagar es temporal y sabes que recuperar\u00e1s tu estabilidad econ\u00f3mica. Se trata de llegar a un<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">acuerdo\u00a0<\/span><span data-contrast=\"none\">con el banco en liquidar todo lo adeudado m\u00e1s intereses en una\u00a0<\/span><span data-contrast=\"none\">fecha espec\u00edfica<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Reestructuraci\u00f3n del total\u00a0<\/span><\/b><b><span data-contrast=\"none\">del cr\u00e9dito.<\/span><\/b><span data-contrast=\"none\">\u202f\u00a0<\/span><span data-contrast=\"none\">Se trata espec\u00edficamente de firmar un <span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/document\/convenio-modificatorio\" target=\"_blank\" rel=\"noopener noreferrer\">Convenio Modificatorio<\/a><\/span>\u00a0<\/span><span data-contrast=\"none\">en el que negociar\u00e1s las condiciones de tu cr\u00e9dito hipotecario. No s\u00f3lo el monto adeudado, sino la tasa de inter\u00e9s, plazos,\u00a0<\/span><span data-contrast=\"none\">etc.<\/span><span data-contrast=\"none\">\u00a0Si llegas a un acuerdo con el banco, se har\u00e1n constar por escrito en el convenio los cambios finales a tu contrato original.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Vender el inmueble.\u00a0<\/span><\/b><span data-contrast=\"none\">Si ya te es muy complicado continuar pagando el cr\u00e9dito puedes realizar un traspaso de la deuda a otra persona que est\u00e9 interesada en adquirir la propiedad. Esto lo puedes hacer\u00a0mediante un <span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/document\/contrato-de-compraventa-de-bien-inmueble\" target=\"_blank\" rel=\"noopener noreferrer\">Contrato de Compraventa de Bien Inmueble<\/a><\/span>.\u00a0<\/span><b><span data-contrast=\"none\">\u00a1Ojo!<\/span><\/b><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">Ni el Infonavit ni el banco aceptan traspasar la<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">deuda.\u00a0<\/span><span data-contrast=\"none\">Si encontraste un comprador, \u00e9ste\u00a0<\/span><span data-contrast=\"none\">deber\u00e1 liquidar la deuda con el banco o el Infonavit ante\u00a0<\/span><span data-contrast=\"none\">N<\/span><span data-contrast=\"none\">otario\u00a0<\/span><span data-contrast=\"none\">P<\/span><span data-contrast=\"none\">\u00fablico<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335559685&quot;:360,&quot;335559739&quot;:225,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"6\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><b><span data-contrast=\"none\">Aceptar la daci\u00f3n en pago.<\/span><\/b><span data-contrast=\"none\">\u00a0Es decir, regresar el inmueble y con eso liquidar el saldo\u202frestante total del cr\u00e9dito hipotecario. Es importante se\u00f1alar que con esta opci\u00f3n perder\u00e1s el dinero que hayas pagado por concepto de enganche y las mensualidades del cr\u00e9dito.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/li>\n<\/ul>\n<h2>\u00bfY si mi cr\u00e9dito es Infonavit?<\/h2>\n<p>Si tu pregunta es \u00bfQu\u00e9 pasa si no pago mi cr\u00e9dito hipotecario siendo el cr\u00e9dito de Infonavit?, te presentamos las siguientes opciones:<\/p>\n<p><b><span data-contrast=\"none\">Fondo de Protecci\u00f3n de Pagos\u00a0<\/span><\/b><b><span data-contrast=\"none\">por desempleo.<\/span><\/b>\u00a0<span data-contrast=\"none\">E<\/span><span data-contrast=\"none\">l Infonavit cuenta con un <span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"http:\/\/portal.infonavit.org.mx\/wps\/wcm\/connect\/infonavit\/trabajadores\/ya_obtuve_mi_credito\/que+hago+si+tengo+problemas+para+pagar\/perdi_mi_empleo_y_no_puedo_pagar_mi_mensualidad\/esquemadeapoyo\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Fondo de Protecci\u00f3n de Pagos.<\/a>\u00a0<\/span><\/span><span data-contrast=\"none\">Este beneficio ser\u00e1 una alternativa que tendr<\/span><span data-contrast=\"none\">\u00e1n los acreditados<\/span><span data-contrast=\"none\">, en caso de que pierdan\u00a0<\/span><span data-contrast=\"none\">su trabajo<\/span><span data-contrast=\"none\">\u00a0de manera involuntaria.\u00a0<\/span><span data-contrast=\"none\">Puedes usar este apoyo hasta por 6 meses, cada 5 a\u00f1o<\/span><span data-contrast=\"none\">s<\/span><span data-contrast=\"none\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">P<\/span><span data-contrast=\"none\">ara solicitarlo debes cumplir los siguientes requisitos:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Tu cr\u00e9dito debi\u00f3 ser\u00a0contratado a partir del 2009. Y debes acreditar\u00a0que tuviste relaci\u00f3n laboral\u00a0 vigente\u00a0al menos 6 meses para haber aportado al fondo.<\/li>\n<li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"8\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\">Tener\u00a0un mes de desempleo. Siempre que no haya sido por pensi\u00f3n, jubilaci\u00f3n, incapacidad o invalidez.<\/li>\n<\/ul>\n<p><b><span data-contrast=\"none\">Dictamen de capacidad de pago.<\/span><\/b><span data-contrast=\"none\">\u202f<\/span><span data-contrast=\"none\">Si perdiste tu empleo<\/span><span data-contrast=\"none\">, tiene<\/span><span data-contrast=\"none\">s<\/span><span data-contrast=\"none\">\u00a0derecho a\u00a0<\/span><span data-contrast=\"none\">solicitar una<\/span><span data-contrast=\"none\">\u00a0pr\u00f3rroga para el pago de tu cr\u00e9dito por 12 meses consecutivos o 24 como m\u00e1ximo. Esto durante\u00a0<\/span><span data-contrast=\"none\">el tiempo de duraci\u00f3n\u00a0<\/span><span data-contrast=\"none\">del cr\u00e9dito. E<\/span><span data-contrast=\"none\">ste dictamen tiene costo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Ahora que ya sabes la respuesta a \u00bfQu\u00e9 pasa si no pago mi cr\u00e9dito hipotecario?,\u00a0<\/span><span data-contrast=\"none\">t<\/span><span data-contrast=\"none\">e recomendamos ampliamente contar con<\/span><span data-contrast=\"none\">\u00a0un fondo de emergencias al menos<\/span><span data-contrast=\"none\">\u00a0de tres meses\u00a0<\/span><span data-contrast=\"none\">de tu sueldo. Esto p<\/span><span data-contrast=\"none\">ara\u00a0<\/span><span data-contrast=\"none\">que\u00a0<\/span><span data-contrast=\"none\">en caso de desempleo\u00a0<\/span><span data-contrast=\"none\">p<\/span><span data-contrast=\"none\">uedas<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">seguir cumpliendo con tus pagos en lo que consigues\u00a0<\/span><span data-contrast=\"none\">un nuevo trabajo.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:360}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Adquirir una\u00a0casa en M\u00e9xico,\u00a0es una de las\u00a0principales\u00a0metas que muchos\u00a0se proponen, pero se\u00a0vuelve una prioridad [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":4859,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,367,369],"tags":[540,630],"class_list":["post-3068","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos-generales","category-familiar","category-inmobiliario","tag-contrato-de-compraventa-de-bien-inmueble","tag-credito-hipotecario","with-featured-image"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.9.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Qu\u00e9 Pasa si no Pago mi Hipoteca | Legalario<\/title>\n<meta name=\"description\" content=\"Legalario explica las consecuencias de no pagar tu cr\u00e9dito hipotecario. 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