{"id":3250,"date":"2019-04-04T18:23:52","date_gmt":"2019-04-04T18:23:52","guid":{"rendered":"https:\/\/www.legalario.com\/blog\/?p=3250"},"modified":"2023-10-02T17:59:45","modified_gmt":"2023-10-02T17:59:45","slug":"si-soy-trabajador-independiente-se-puede-tener-infonavit","status":"publish","type":"post","link":"https:\/\/legalario.com\/blog\/si-soy-trabajador-independiente-se-puede-tener-infonavit\/","title":{"rendered":"\u00bfSi soy trabajador independiente se puede tener Infonavit? [Requisitos para la afiliaci\u00f3n]"},"content":{"rendered":"<p><span data-contrast=\"none\">Nos hemos encontrado mucho con esta pregunta: <strong>\u00bfSi soy trabajador independiente se puede tener Infonavit?<\/strong> As\u00ed que nos dimos a la tarea de contarles un poco sobre esto.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">La idea de que un trabajador independiente no puede ser candidato a obtener un cr\u00e9dito de vivienda Infonavit est\u00e1 muy equivocada.<\/span><span data-contrast=\"none\">\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;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Actualmente no ser un<span style=\"color: #333399;\">\u00a0<\/span><\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/document\/contrato-individual-de-trabajo\" target=\"_blank\" rel=\"noopener\">trabajador asalariado<\/a><\/span><span data-contrast=\"none\"><span style=\"color: #333399;\">,<\/span> dejo de ser un impedimento para ser sujeto de obtener un cr\u00e9dito hipotecario con Infonavit.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Si\u00a0<\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/document\/prestacion-de-servicios\" target=\"_blank\" rel=\"noopener\">trabajas por tu cuenta<\/a><\/span><span data-contrast=\"auto\"><span style=\"color: #333399;\">\u00a0<\/span>y no eres asalariado, si est\u00e1s dado de alta en el SAT en el R\u00e9gimen de Incorporaci\u00f3n Fiscal, puedes afiliarte de manera voluntaria a Infonavit para pagar tus aportaciones bimestrales, juntar puntos y posteriormente ejercer tu cr\u00e9dito Infonavit<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">\u00bf<\/span><span data-contrast=\"none\">Si soy trabajador independiente se puede tener\u00a0<\/span><span data-contrast=\"none\">Infonavit<\/span><span data-contrast=\"none\">?\u00a0<\/span><span data-contrast=\"auto\">Requisitos para la afilia<\/span><span data-contrast=\"auto\">ci\u00f3n:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">Para poder afiliarte<\/span><span data-contrast=\"auto\">\u00a0al Infonavit<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">de forma voluntaria\u00a0<\/span><span data-contrast=\"auto\">y obtener\u00a0<\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/blog\/beneficios-de-usar-el-credito-infonavit\/\" target=\"_blank\" rel=\"noopener\">los\u00a0beneficios\u00a0de un cr\u00e9dito Infonavit<\/a><\/span><span data-contrast=\"auto\">,<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">necesitas cumplir estos<\/span><span data-contrast=\"auto\">\u00a0requisitos:<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\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;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"auto\">Estar\u00a0<\/span><span data-contrast=\"auto\">inscrito<\/span><span data-contrast=\"auto\">\u00a0en el R\u00e9gimen de Incorporaci\u00f3n Fiscal y<\/span><span data-contrast=\"auto\">\u00a0no tener ning\u00fan adeudo de car\u00e1cter fiscal con el SAT.<\/span><span data-contrast=\"auto\">\u00a0Si a\u00fan no lo estas,\u00a0<\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.sat.gob.mx\/aplicacion\/operacion\/24452\/realiza-tu-preinscripcion-en-el-rfc-como-persona-fisica\" target=\"_blank\" rel=\"nofollow noopener\">haz tu tr\u00e1mite en l\u00ednea<\/a>.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Incorporarte de forma obligada a un\u00a0<\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.gob.mx\/bansefi\" target=\"_blank\" rel=\"nofollow noopener\">esquema de ahorro en Bansefi<\/a>.\u202f\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Estar afiliado al IMSS y contar con un n\u00famero<\/span><span data-contrast=\"auto\">\u00a0de Seguridad Social (NSS)<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"4\" data-aria-level=\"1\"><span data-contrast=\"auto\">Afiliarte a una Administradora de Fondos para el Retiro (AFORE).<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">No haber\u00a0<\/span><span data-contrast=\"auto\">tenido\u00a0<\/span><span data-contrast=\"auto\">un cr\u00e9dito hipotecario del Infonavit<\/span><span data-contrast=\"auto\">\u00a0anteriormente.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"5\" data-aria-level=\"1\"><span data-contrast=\"auto\">No tener<\/span><span data-contrast=\"auto\">\u00a0aportaciones patronales al IMSS o al Infonavit durante los \u00faltimos 24 meses.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p>Si cumples con estos requisitos, no olvides tener a la mano la siguiente documentaci\u00f3n:<span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"auto\">Identificaci\u00f3n oficial vigente (credencial para votar, pasaporte o c\u00e9dula profesional)<\/span><span data-contrast=\"auto\">.<\/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;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">N\u00famero de Seguridad Social (NSS) emitido por el IMSS.<\/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;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Clave \u00danica de Registro de Poblaci\u00f3n (CURP).<\/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;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">C\u00e9dula<\/span><span data-contrast=\"auto\">\u00a0de Identificaci\u00f3n Fiscal<\/span><span data-contrast=\"auto\">\u00a0RFC.<\/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;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Comprobante de inscripci\u00f3n a la Afore o \u00faltimo estado de cuenta.<\/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;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"1\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"auto\">Comprobante de domicilio\u00a0<\/span><span data-contrast=\"auto\">actualizado.<\/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;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"auto\">Para realizar la inscripci\u00f3n<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">es necesario acudir\u00a0<\/span><span data-contrast=\"auto\">al Centro de Servicio Infonavit (<\/span><span data-contrast=\"auto\">Cesi<\/span><span data-contrast=\"auto\">) para\u00a0<\/span><span data-contrast=\"auto\">realizar tu registro<\/span><span data-contrast=\"auto\">\u00a0con un asesor especializado del Instituto.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">En la Ciudad de M\u00e9xico, puedes verificar el Centro de Servicio m\u00e1s cercano en el<\/span><span data-contrast=\"auto\">\u00a0<\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"http:\/\/portal.infonavit.org.mx\/wps\/wcm\/connect\/infonavit\/contactanos\/canales_de_servicio\/oficinas+de+atencion\/oficinas_de_atencion\" target=\"_blank\" rel=\"nofollow noopener\">directorio<\/a>.\u00a0<\/span><\/p>\n<h2><span data-contrast=\"none\">\u00bf<\/span><span data-contrast=\"auto\">Cu\u00e1ndo debo aportar al Infonavit si soy trabajador independiente?<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559685&quot;:300,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">En este caso, t\u00fa decides el monto de tus aportaciones y t\u00fa las haces, a diferencia de los trabajadores asalariados<\/span><span data-contrast=\"auto\">\u00a0que\u00a0<\/span><span data-contrast=\"auto\">las\u00a0<\/span><span data-contrast=\"auto\">realiza el patr\u00f3n.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:368,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">T\u00fa defines\u00a0<\/span><span data-contrast=\"auto\">la cantidad a pagar<\/span><span data-contrast=\"auto\">\u00a0por concepto de aportaciones bimestrales y puedes optar por un<\/span><span data-contrast=\"auto\">\u00a0monto mayor<\/span><span data-contrast=\"auto\">\u00a0o menor<\/span><span data-contrast=\"auto\">,\u00a0<\/span><span data-contrast=\"auto\">dependiendo de tu condici\u00f3n econ\u00f3mica.\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\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;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Es muy importante que sepas que<\/span><span data-contrast=\"none\">,<\/span><span data-contrast=\"none\">\u00a0a partir de tu primer<\/span><span data-contrast=\"none\">a<\/span><span data-contrast=\"none\">\u00a0aportaci\u00f3n, deber\u00e1s<\/span><b><span data-contrast=\"none\">\u00a0abrir una cuenta en Bansefi y hacer un ahorro durante 12 meses continuos sin interrupci\u00f3n<\/span><\/b><b><span data-contrast=\"none\">.\u00a0<\/span><\/b><span data-contrast=\"none\">Y<\/span><span data-contrast=\"none\">a que solo despu\u00e9s de este lapso podr\u00e1s solicitar tu cr\u00e9dito Infonavit.<\/span><span data-ccp-props=\"{&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">\u00bf<\/span><span data-contrast=\"auto\">La\u00a0<\/span><span data-contrast=\"auto\">afiliaci\u00f3n al<\/span><span data-contrast=\"auto\">\u00a0Infonavit\u00a0<\/span><span data-contrast=\"auto\">tiene alg\u00fan costo?\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:240,&quot;335559740&quot;:255}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">No,\u00a0<\/span><span data-contrast=\"auto\">es un tr\u00e1mite gratuito.<\/span><span data-contrast=\"auto\">\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:255}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">\u00bf<\/span><span data-contrast=\"auto\">Porqu\u00e9 necesito afiliarme<\/span><span data-contrast=\"auto\">\u00a0con una Administradora de Fondos para el Retiro (AFORE)?\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:240,&quot;335559740&quot;:255}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"auto\">La Afore tiene como funci\u00f3n, entre\u00a0<\/span><span data-contrast=\"auto\">otras, administrar<\/span><span data-contrast=\"auto\">\u00a0los fondos de tu subcuenta de vivienda<\/span><span data-contrast=\"auto\">.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:255}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Por ley las AFORE deben enviar por lo menos tres veces al a\u00f1o de manera cuatrimestral, los estados de cuenta al domicilio o direcci\u00f3n de correo electr\u00f3nico que se\u00f1ales<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">De esta\u00a0manera\u00a0<\/span><span data-contrast=\"auto\">podr\u00e1s dar seguimiento a los movimientos de todas tus subcuentas, incluyendo la de vivienda.\u202f<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:255}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Al no establecerse montos m\u00ednimos o m\u00e1ximos, tienes la posibilidad de ahorrar de acuerdo a tus posibilidades<\/span><span data-contrast=\"auto\">.<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">A<\/span><span data-contrast=\"auto\">dem\u00e1s de que cuando ya no puedas trabajar, puedes solicitar<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">tu<\/span><span data-contrast=\"auto\">s<\/span><span data-contrast=\"auto\">\u00a0recursos ahorrados para tu retiro y los rendimientos generados a esa fecha.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:150,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2><span data-contrast=\"auto\">\u00bfCu\u00e1nto me va a prestar Infonavit?<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">El\u00a0<\/span><span data-contrast=\"none\">Infonavit calcula<\/span><span data-contrast=\"none\">\u00a0el monto de cr\u00e9dito a otorgar tomando en cuenta principalmente:<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<ul>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\">Edad<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\">Aportaciones realizadas<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<li data-leveltext=\"\uf0a7\" data-font=\"Wingdings\" data-listid=\"2\" aria-setsize=\"-1\" data-aria-posinset=\"3\" data-aria-level=\"1\"><span data-contrast=\"none\">El\u00a0<\/span><span data-contrast=\"none\">dinero que tengas acumulado en tu Subcuenta de Vivienda<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;134233279&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">En esta modalidad de cr\u00e9dito Infonavit para trabajadores independientes, el Infonavit te puede otorgar un cr\u00e9dito hipotecario que cubra hasta el 80% del precio de la vivienda<\/span><span data-contrast=\"none\">.<\/span><span data-contrast=\"none\">\u00a0<\/span><span data-contrast=\"none\">Y<\/span><span data-contrast=\"none\">\u00a0el 20% restante lo podr\u00e1s cubrir con el saldo de tu Subcuenta de vivienda o con el monto del ahorro que hiciste por\u00a0<\/span><span data-contrast=\"none\">un<\/span><span data-contrast=\"none\">\u00a0a\u00f1o en Bansefi.<\/span><span data-ccp-props=\"{&quot;134233117&quot;:true,&quot;134233118&quot;:true,&quot;201341983&quot;:0,&quot;335551550&quot;:6,&quot;335551620&quot;:6,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"auto\">Ahora ya\u00a0<\/span><span data-contrast=\"auto\">sabes la respuesta a tu pregunta:\u00a0<\/span><span data-contrast=\"none\">\u00bfSi soy trabajador independiente se puede tener Infonavit?<\/span><span data-contrast=\"auto\">\u00a0<\/span><span data-contrast=\"auto\">Por lo que\u00a0<\/span><span data-contrast=\"auto\">si eres trabajador independiente y deseas<span style=\"color: #333399;\">\u00a0<\/span><\/span><span style=\"color: #333399;\"><a style=\"color: #333399;\" href=\"https:\/\/www.legalario.com\/document\/contrato-de-compraventa-de-bien-inmueble\" target=\"_blank\" rel=\"noopener\">adquirir una casa<\/a><\/span><span data-contrast=\"auto\"><span style=\"color: #333399;\">\u00a0<\/span>a trav\u00e9s de un cr\u00e9dito Infonavit, comprueba que cuentas con todos los requisitos que aqu\u00ed te presentamos para que no tengas ning\u00fan problema y puedas disfrutar muy pronto de tu cr\u00e9dito.<\/span><span data-contrast=\"auto\">\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;:259}\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nos hemos encontrado mucho con esta pregunta: \u00bfSi soy trabajador independiente se puede tener [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":3254,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1,368,366],"tags":[471,631,632,437,640],"class_list":["post-3250","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articulos-generales","category-empresarial","category-laboral","tag-contrato-de-prestacion-de-servicios","tag-credito-infonavit","tag-infonavit","tag-prestacion-de-servicios","tag-trabajador-independiente","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>Infonavit para Trabajadores Independientes | Legalario<\/title>\n<meta name=\"description\" content=\"\u00bfEres trabajador independiente? 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