|
DOF: 23/10/2014 |
ACUERDO 50 ACUERDO 50.1346.2014 de la Junta Directiva, relativo a la aprobación del Programa de Financiamiento del Fondo de la Vivienda 2015. Al margen un sello con el Escudo Nacional, que dice: Estados Unidos Mexicanos.- Instituto de Seguridad y Servicios Sociales de los Trabajadores del Estado.- Secretaría General.- Prosecretaría de la Junta Directiva.- SG/SJD/1074/2014. Lic. Sebastián Lerdo de Tejada C. Director General del Instituto. Presente. En sesión ordinaria celebrada por Junta Directiva, el día 11 de septiembre de 2014, al tratarse lo relativo a la aprobación del Programa de Financiamiento del Fondo de la Vivienda 2015, se tomó el siguiente: ACUERDO 50.1346.2014.- "La Junta Directiva, con fundamento en los artículos 214, fracción XVI, incisos a) y g) de la Ley del ISSSTE, y 14, fracción XVII incisos a) y g) del Estatuto Orgánico, y con base en el acuerdo aprobatorio 5939.872.2014 de la Comisión Ejecutiva del Fondo de la Vivienda, aprueba por unanimidad, el Programa de Financiamiento del Fondo de la Vivienda 2015, como sigue: El Programa de Crédito 2015, en su escenario básico, prevé el otorgamiento de 114,350 préstamos, de los cuales 45,000 serán con cargo al esquema de "Crédito Tradicional" (39.4%), 7,350 con cargo al esquema de "Crédito con Subsidio" (6.4%), 2,000 con cargo al esquema de "Crédito a Pensiona2" (1.8%), 1,500 con cargo al esquema de "Crédito Conyugal FOVISSSTE-INFONAVIT" (1.3%), 2,500 con cargo al esquema de "Crédito Alia2Plus" (2.2%), 500 con cargo al esquema de "Crédito Respalda2" (0.4%), 45,000 del esquema de "Respalda2 - M" (39.4%), 500 del esquema de "FOVISSSTE-INFONAVIT COF" (0.4%) y 10,000 del esquema de "FOVISSSTE EN PESOS" (8.7%). Este programa implica una inversión total estimada con derrama de $49,443 millones (Cuarenta y nueve mil cuatrocientos cuarenta y tres millones de pesos) de los cuales corresponderán al Fondo de $38,194 millones (Treinta y ocho mil ciento noventa y cuatro millones de pesos) provenientes de las aportaciones de la subcuenta de vivienda del SAR, la recuperación de créditos, productos financieros y emisiones en los mercados de capital por $16,000 millones (Dieciséis mil millones de pesos), todos ellos recursos propios originados con terceros no incluidos en el Presupuesto de Egresos de la Federación, y $11,249 millones (Once mil doscientos cuarenta y nueve millones de pesos) a operaciones en cofinanciamiento con distintas fuentes, como son las SHF y bancos asociados al FOVISSSTE, el INFONAVIT y la Comisión Nacional de Vivienda (CONAVI), esta última en su carácter de administradora del programa de subsidios del Gobierno Federal para vivienda "Esta es tu Casa". La determinación del monto máximo de los préstamos que se otorguen derivará de la aplicación de las siguientes tablas: "CRÉDITO TRADICIONAL", "CONYUGAL FOVISSSTE-INFONAVIT", "FOVISSSTE INFONAVIT INDIVIDUAL" "ALIA2Plus" y "CRÉDITO CON SUBSIDIO" Rango en SMMGVDF | Tasa de Interés | TRADICIONAL | FOVISSSTE- INFONAVIT Conyugal e individual | ALIA2+ | Adquisición, Construcción y Redención de pasivos hipotecarios | Ampliación y Reparación o Mejoramiento | Adquisición | Adquisición y Redención de pasivos hipotecarios | Igual o Mayor a: | Menor a: | Monto Máximo en SMMGVDF | Monto Máximo en SMMGVDF | Monto Máximo en SMMGVDF | Monto Máximo en SMMGVDF | Trabajadores con sueldo básico de hasta 2.6 veces el SMMGVDF | 1 | 1.05 | 4.0% | 70.6768 | 23.5589 | 70.6768 | 18.6405 | 1.05 | 1.10 | 4.0% | 74.2106 | 24.7369 | 74.2106 | 19.5725 | 1.10 | 1.15 | 4.0% | 77.7444 | 25.9148 | 77.7444 | 20.5045 | 1.15 | 1.20 | 4.0% | 81.2783 | 27.0928 | 81.2783 | 21.4366 | 1.20 | 1.25 | 4.0% | 84.8121 | 28.2707 | 84.8121 | 22.3686 | 1.25 | 1.30 | 4.0% | 88.3459 | 29.4486 | 88.3459 | 23.3006 | 1.30 | 1.35 | 4.0% | 91.8798 | 30.6266 | 91.8798 | 24.2326 | 1.35 | 1.40 | 4.0% | 95.4136 | 31.8045 | 95.4136 | 25.1646 | 1.40 | 1.45 | 4.0% | 98.9475 | 32.9825 | 98.9475 | 26.0967 | 1.45 | 1.50 | 4.0% | 102.4813 | 34.1604 | 102.4813 | 27.0287 | 1.50 | 1.55 | 4.0% | 106.0151 | 35.3384 | 106.0151 | 27.9607 | 1.55 | 1.60 | 4.0% | 109.5490 | 36.5163 | 109.5490 | 28.8927 | 1.60 | 1.65 | 4.0% | 113.0828 | 37.6943 | 113.0828 | 29.8248 | 1.65 | 1.70 | 4.0% | 116.6166 | 38.8722 | 116.6166 | 30.7568 | 1.70 | 1.75 | 4.0% | 120.1505 | 40.0502 | 120.1505 | 31.6888 | 1.75 | 1.80 | 4.0% | 123.6843 | 41.2281 | 123.6843 | 32.6208 | 1.80 | 1.85 | 4.0% | 127.2182 | 42.4061 | 127.2182 | 33.5529 | 1.85 | 1.90 | 4.0% | 130.7520 | 43.5840 | 130.7520 | 34.4849 | 1.90 | 1.95 | 4.0% | 134.2858 | 44.7619 | 134.2858 | 35.4169 | 1.95 | 2 | 4.0% | 137.8197 | 45.9399 | 137.8197 | 36.3489 | 2 | 2.05 | 4.0% | 141.3535 | 47.1178 | 141.3535 | 37.2810 | 2.05 | 2.10 | 4.0% | 144.8873 | 48.2958 | 144.8873 | 38.2130 | 2.10 | 2.15 | 4.0% | 148.4212 | 49.4737 | 148.4212 | 39.1450 | 2.15 | 2.20 | 4.0% | 151.9550 | 50.6517 | 151.9550 | 40.0770 | 2.20 | 2.25 | 4.0% | 155.4889 | 51.8296 | 155.4889 | 41.0091 | 2.25 | 2.30 | 4.0% | 159.0227 | 53.0076 | 159.0227 | 41.9411 | 2.30 | 2.35 | 4.0% | 162.5565 | 54.1855 | 162.5565 | 42.8731 | 2.35 | 2.40 | 4.0% | 166.0904 | 55.3635 | 166.0904 | 43.8051 | 2.40 | 2.45 | 4.0% | 169.6242 | 56.5414 | 169.6242 | 44.7372 | 2.45 | 2.50 | 4.0% | 173.1580 | 57.7193 | 173.1580 | 45.4846 | 2.50 | 2.55 | 4.0% | 176.6919 | 58.8973 | 176.6919 | 45.4903 | 2.55 | 2.60 | 4.0% | 177.2257 | 59.0752 | 177.2257 | 45.6870 | Trabajadores con sueldo básico mayor a 2.6 y hasta 5.0 veces el SMMGVDF | 2.60 | 2.65 | 4.5% | 177.2260 | 59.0753 | 177.2260 | 45.8044 | 2.65 | 2.70 | 4.5% | 177.5000 | 59.1667 | 177.5000 | 46.6853 | 2.70 | 2.75 | 4.5% | 180.5000 | 60.1667 | 180.5000 | 47.5661 | 2.75 | 2.80 | 4.5% | 184.0000 | 61.3333 | 184.0000 | 48.4470 | 2.80 | 2.85 | 4.5% | 187.0302 | 62.3434 | 187.0302 | 49.3279 | 2.85 | 2.90 | 4.5% | 190.3700 | 63.4567 | 190.3700 | 50.2087 | 2.90 | 2.95 | 4.5% | 193.7098 | 64.5699 | 193.7098 | 51.0896 | 2.95 | 3 | 4.5% | 197.0497 | 65.6832 | 197.0497 | 51.9704 | 3 | 3.05 | 4.5% | 200.3895 | 66.7965 | 200.3895 | 52.8513 | 3.05 | 3.10 | 4.5% | 203.7293 | 67.9098 | 203.7293 | 53.7321 | 3.10 | 3.15 | 4.5% | 207.0691 | 69.0230 | 207.0691 | 54.6130 | 3.15 | 3.20 | 4.5% | 210.4090 | 70.1363 | 210.4090 | 55.4938 | 3.20 | 3.25 | 4.5% | 213.7488 | 71.2496 | 213.7488 | 56.3747 | 3.25 | 3.30 | 4.5% | 217.0886 | 72.3629 | 217.0886 | 56.5171 | 3.30 | 3.35 | 4.5% | 218.0000 | 72.6667 | 218.0000 | 56.8441 | 3.35 | 3.40 | 4.5% | 218.1000 | 72.7000 | 218.1000 | 56.9864 | 3.40 | 3.45 | 5.0% | 218.2000 | 72.7333 | 218.2000 | 57.0652 | 3.45 | 3.50 | 5.0% | 218.8000 | 72.9333 | 218.8000 | 57.5297 | 3.50 | 3.55 | 5.0% | 222.0000 | 74.0000 | 222.0000 | 58.3634 | 3.55 | 3.60 | 5.0% | 224.4506 | 74.8169 | 224.4506 | 58.5510 | 3.60 | 3.65 | 5.0% | 227.6119 | 75.8706 | 227.6119 | 58.7386 | 3.65 | 3.70 | 5.0% | 228.5000 | 76.1667 | 228.5000 | 58.7601 | 3.70 | 3.75 | 5.0% | 228.9000 | 76.3000 | 228.9000 | 58.9292 | 3.75 | 3.80 | 5.5% | 228.9500 | 76.3167 | 228.9500 | 59.2778 | 3.80 | 3.85 | 5.5% | 229.6000 | 76.5333 | 229.6000 | 60.0682 | 3.85 | 3.90 | 5.5% | 230.7498 | 76.9166 | 230.7498 | 60.8586 | 3.90 | 3.95 | 5.5% | 233.7466 | 77.9155 | 233.7466 | 61.6490 | 3.95 | 4 | 5.5% | 236.7433 | 78.9144 | 236.7433 | 61.8855 | 4 | 4.05 | 5.5% | 239.7401 | 79.9134 | 239.7401 | 62.3066 | 4.05 | 4.10 | 5.5% | 239.8368 | 79.9456 | 239.8368 | 62.5431 | 4.10 | 4.15 | 5.5% | 240.1000 | 80.0333 | 240.1000 | 62.5684 | 4.15 | 4.20 | 6.0% | 240.1500 | 80.0500 | 240.1500 | 62.6471 | 4.20 | 4.25 | 6.0% | 240.5000 | 80.1667 | 240.5000 | 63.0282 | 4.25 | 4.30 | 6.0% | 245.6000 | 81.8667 | 245.6000 | 63.7786 | 4.30 | 4.35 | 6.0% | 246.1000 | 82.0333 | 246.1000 | 64.5289 | 4.35 | 4.40 | 6.0% | 247.5111 | 82.5037 | 247.5111 | 65.2792 | 4.40 | 4.45 | 6.0% | 250.3560 | 83.4520 | 250.3560 | 66.0296 | 4.45 | 4.50 | 6.0% | 253.2010 | 84.4003 | 253.2010 | 66.7799 | 4.50 | 4.55 | 6.0% | 256.0459 | 85.3486 | 256.0459 | 67.5303 | 4.55 | 4.60 | 6.0% | 258.8909 | 86.2970 | 258.8909 | 68.2806 | 4.60 | 4.65 | 6.0% | 261.7358 | 87.2453 | 261.7358 | 69.0309 | 4.65 | 4.70 | 6.0% | 264.5808 | 88.1936 | 264.5808 | 69.7813 | 4.70 | 4.75 | 6.0% | 267.4257 | 89.1419 | 267.4257 | 70.5316 | 4.75 | 4.80 | 6.0% | 270.2707 | 90.0902 | 270.2707 | 71.2819 | 4.80 | 4.85 | 6.0% | 273.1157 | 91.0386 | 273.1157 | 72.0323 | 4.85 | 4.90 | 6.0% | 275.9606 | 91.9869 | 275.9606 | 72.7826 | 4.90 | 4.95 | 6.0% | 278.8056 | 92.9352 | 278.8056 | 73.5329 | 4.95 | 5 | 6.0% | 281.6505 | 93.8835 | 281.6505 | 74.2833 | Trabajadores con sueldo básico mayor a 5.0 veces el SMMGVD | 5 | 5.05 | 6.0% | 284.4955 | 94.8318 | 284.4955 | 75.0336 | 5.05 | 5.10 | 6.0% | 287.3404 | 95.7706 | 287.3404 | 75.7840 | 5.10 | 5.15 | 6.0% | 290.1854 | 96.7188 | 290.1854 | 76.5343 | 5.15 | 5.20 | 6.0% | 293.0303 | 97.6670 | 293.0303 | 77.2846 | 5.20 | 5.25 | 6.0% | 295.8753 | 98.6152 | 295.8753 | 78.0350 | 5.25 | 5.30 | 6.0% | 298.7202 | 99.5635 | 298.7202 | 78.7853 | 5.30 | 5.35 | 6.0% | 301.5652 | 100.5117 | 301.5652 | 79.5356 | 5.35 | 5.40 | 6.0% | 304.4102 | 101.4599 | 304.4102 | 80.2860 | 5.40 | 5.45 | 6.0% | 307.2551 | 102.4081 | 307.2551 | 81.0363 | 5.45 | 5.50 | 6.0% | 310.1001 | 103.3564 | 310.1001 | 81.7866 | 5.50 | 5.55 | 6.0% | 312.9450 | 104.3046 | 312.9450 | 82.5370 | 5.55 | 5.60 | 6.0% | 315.7900 | 105.2528 | 315.7900 | 83.2873 | 5.60 | 5.65 | 6.0% | 318.6349 | 106.2010 | 318.6349 | 84.0376 | 5.65 | 5.70 | 6.0% | 321.4799 | 107.1492 | 321.4799 | 84.7880 | 5.70 | 5.75 | 6.0% | 324.3248 | 108.0975 | 324.3248 | 85.5383 | 5.75 | 5.80 | 6.0% | 327.1698 | 109.0457 | 327.1698 | 86.2887 | 5.80 | 5.85 | 6.0% | 330.0148 | 109.9939 | 330.0148 | 87.0390 | 5.85 | 5.90 | 6.0% | 332.8597 | 110.9421 | 332.8597 | 87.7893 | 5.90 | 5.95 | 6.0% | 335.7047 | 111.8904 | 335.7047 | 88.5397 | 5.95 | 6 | 6.0% | 338.5496 | 112.8386 | 338.5496 | 89.2900 | 6 | 6.05 | 6.0% | 341.3946 | 113.7868 | 341.3946 | 90.0403 | 6.05 | 6.10 | 6.0% | 344.2395 | 114.7350 | 344.2395 | 90.7907 | 6.10 | 6.15 | 6.0% | 347.0845 | 115.6833 | 347.0845 | 91.5410 | 6.15 | 6.20 | 6.0% | 349.9294 | 116.6315 | 349.9294 | 92.2913 | 6.20 | 6.25 | 6.0% | 352.7744 | 117.5797 | 352.7744 | 93.0417 | 6.25 | 6.30 | 6.0% | 355.6193 | 118.5279 | 355.6193 | 93.7920 | 6.30 | 6.35 | 6.0% | 358.4643 | 119.4762 | 358.4643 | 94.5424 | 6.35 | 6.40 | 6.0% | 361.3093 | 120.4244 | 361.3093 | 95.2927 | 6.40 | 6.45 | 6.0% | 364.1542 | 121.3726 | 364.1542 | 96.0430 | 6.45 | 6.50 | 6.0% | 366.9992 | 122.3208 | 366.9992 | 96.7934 | 6.50 | 6.55 | 6.0% | 369.8441 | 123.2690 | 369.8441 | 97.5437 | 6.55 | 6.60 | 6.0% | 372.6891 | 124.2173 | 372.6891 | 98.2940 | 6.60 | 6.65 | 6.0% | 375.5340 | 125.1655 | 375.5340 | 99.0444 | 6.65 | 6.70 | 6.0% | 378.3790 | 126.1137 | 378.3790 | 99.7947 | 6.70 | 6.75 | 6.0% | 381.2239 | 127.0619 | 381.2239 | 100.5450 | 6.75 | 6.80 | 6.0% | 384.0689 | 128.0102 | 384.0689 | 101.2954 | 6.80 | 6.85 | 6.0% | 386.9138 | 128.9584 | 386.9138 | 102.0457 | 6.85 | 6.90 | 6.0% | 389.7588 | 129.9066 | 389.7588 | 102.7961 | 6.90 | 6.95 | 6.0% | 392.6038 | 130.8548 | 392.6038 | 103.5464 | 6.95 | 7 | 6.0% | 395.4487 | 131.8031 | 395.4487 | 104.2967 | 7 | 7.05 | 6.0% | 396.0000 | 131.9868 | 396.0000 | 105.0471 | 7.05 | 7.10 | 6.0% | 396.5000 | 132.1535 | 396.5000 | 105.7974 | 7.10 | 7.15 | 6.0% | 396.6000 | 132.1868 | 396.6000 | 106.5477 | 7.15 | 7.20 | 6.0% | 397.0000 | 132.3201 | 397.0000 | 107.2981 | 7.20 | 7.25 | 6.0% | 397.6789 | 132.5464 | 397.6789 | 108.0484 | 7.25 | 7.30 | 6.0% | 400.4406 | 133.4669 | 400.4406 | 108.7987 | 7.30 | 7.35 | 6.0% | 403.2023 | 134.3873 | 403.2023 | 109.5491 | 7.35 | 7.40 | 6.0% | 405.9639 | 135.3078 | 405.9639 | 110.2994 | 7.40 | 7.45 | 6.0% | 408.7256 | 136.2282 | 408.7256 | 111.0498 | 7.45 | 7.50 | 6.0% | 411.4872 | 137.1487 | 411.4872 | 111.8001 | 7.50 | 7.55 | 6.0% | 414.2489 | 138.0692 | 414.2489 | 112.5504 | 7.55 | 7.60 | 6.0% | 417.0106 | 138.9896 | 417.0106 | 113.3008 | 7.60 | 7.65 | 6.0% | 419.7722 | 139.9101 | 419.7722 | 114.0511 | 7.65 | 7.70 | 6.0% | 422.5339 | 140.8305 | 422.5339 | 114.8014 | 7.70 | 7.75 | 6.0% | 425.2955 | 141.7510 | 425.2955 | 115.5518 | 7.75 | 7.80 | 6.0% | 428.0572 | 142.6715 | 428.0572 | 116.3021 | 7.80 | 7.85 | 6.0% | 430.8189 | 143.5919 | 430.8189 | 117.0524 | 7.85 | 7.90 | 6.0% | 433.5805 | 144.5124 | 433.5805 | 117.8028 | 7.90 | 7.95 | 6.0% | 436.3422 | 145.4328 | 436.3422 | 118.5531 | 7.95 | 8 | 6.0% | 439.1038 | 146.3533 | 439.1038 | 119.3034 | 8 | 8.05 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.05 | 8.10 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.10 | 8.15 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.15 | 8.20 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.20 | 8.25 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.25 | 8.30 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.30 | 8.35 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.35 | 8.40 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.40 | 8.45 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.45 | 8.50 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.50 | 8.55 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.55 | 8.60 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.60 | 8.65 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.65 | 8.70 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.70 | 8.75 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.75 | 8.80 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.80 | 8.85 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.85 | 8.90 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.90 | 8.95 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 8.95 | 9 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9 | 9.05 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.05 | 9.10 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.10 | 9.15 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.15 | 9.20 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.20 | 9.25 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.25 | 9.30 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.30 | 9.35 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.35 | 9.40 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.40 | 9.45 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.45 | 9.50 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.50 | 9.55 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.55 | 9.60 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.60 | 9.65 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.65 | 9.70 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.70 | 9.75 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.75 | 9.80 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.80 | 9.85 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.85 | 9.90 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.90 | 9.95 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | 9.95 | 10.00 | 6.0% | 441.8655 | 147.2738 | 441.8655 | 120.0538 | CRÉDITO "PENSIONA2" Las disponibilidades financieras destinadas a este tipo de crédito que se aplicarán a la adquisición individual de vivienda nueva o usada, sin necesidad de participar en un sorteo aleatorio de adjudicación se sujetarán en lo general, a lo siguiente: · Su originación se ajustará a las prescripciones de las Reglas para el Otorgamiento de Créditos del Fondo de la Vivienda del ISSSTE vigentes. · En virtud de su calidad laboral, el pensionado presentará la documentación necesaria que acredite este estatus. · En el caso en que el pensionado tuviera saldo en su subcuenta individual del Fondo de la Vivienda del SAR, éste se aplicará complementariamente al monto del crédito que obtenga, con base en lo establecido en las tablas de montos máximos de crédito correspondientes. Una vez formalizado y pagado el crédito, el saldo en su subcuenta individual del Fondo de la Vivienda del SAR, se aplicará a la amortización del crédito otorgado · El plazo para la amortización de los créditos otorgados a pensionados no será mayor a veinte años o 240 meses de pagos efectivos y los descuentos por concepto de obligación de pago serán equivalentes a 20% de la pensión mensual, los cuales se deberán cubrir mensualmente hasta la liquidación del crédito, quedando la obligación de pago de la primera amortización sujeta al descuento que se le realice en su pensión · Ante cualquier omisión del Instituto de aplicar los descuentos, será obligación del pensionado dar aviso de manera inmediata al Instituto sobre tal falta, a efecto de que proceda a realizar la retención correspondiente. En este supuesto, el pensionado quedará libre de cualquier obligación de resarcir los gastos financieros en que se haya incurrido por dicha omisión. Cuando el pensionado vuelva a prestar sus servicios en cualquier dependencia o entidad incorporada al régimen de seguridad social que establece la Ley, el Instituto a través del FOVISSSTE, ordenará se le apliquen los descuentos por nómina correspondientes para el pago del crédito. Para estos efectos, el Acreditado deberá avisar al FOVISSSTE sobre su reincorporación al servicio activo, en los 30 días naturales siguientes a que esto ocurra y se le aplicará el descuento de 30% del sueldo básico que reciba. La determinación del monto máximo de los préstamos que se otorguen a pensionados derivará de la aplicación de la siguiente tabla: Rango en SMMGVDF | PENSIONA2 Adquisición | Edad Pensionado: | Tasa de Interés | % Subcta. Vivienda aplicable para cálculo de monto crédito | 47 | 48 | 49 | 50 | 51 | 52 | Igual o Mayor | Menor | Monto Máximo en SMMGVDF | 1 | 1.1 | 4.00% | 100.00% | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 1.1 | 1.2 | 4.00% | 100.00% | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 1.2 | 1.3 | 4.00% | 100.00% | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 1.3 | 1.4 | 4.00% | 100.00% | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 1.4 | 1.5 | 4.00% | 100.00% | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 1.5 | 1.6 | 4.00% | 100.00% | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 1.6 | 1.7 | 4.00% | 100.00% | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 1.7 | 1.8 | 4.00% | 100.00% | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 1.8 | 1.9 | 4.00% | 100.00% | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 1.9 | 2 | 4.00% | 100.00% | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 2 | 2.1 | 4.00% | 100.00% | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 2.1 | 2.2 | 4.00% | 100.00% | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 2.2 | 2.3 | 4.00% | 100.00% | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 2.3 | 2.4 | 4.00% | 100.00% | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 2.4 | 2.5 | 4.00% | 100.00% | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 2.5 | 2.6 | 5.00% | 100.00% | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 2.6 | 2.7 | 5.00% | 100.00% | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 2.7 | 2.8 | 5.00% | 100.00% | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 2.8 | 2.9 | 5.00% | 100.00% | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 2.9 | 3 | 5.00% | 100.00% | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 3 | 3.1 | 5.00% | 100.00% | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 3.1 | 3.2 | 5.00% | 100.00% | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 3.2 | 3.3 | 5.00% | 100.00% | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 3.3 | 3.4 | 5.00% | 100.00% | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 3.4 | 3.5 | 5.00% | 100.00% | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 3.5 | 3.6 | 6.00% | 100.00% | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 3.6 | 3.7 | 6.00% | 100.00% | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 3.7 | 3.8 | 6.00% | 100.00% | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 3.8 | 3.9 | 6.00% | 100.00% | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 3.9 | 4 | 6.00% | 100.00% | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 4 | 4.1 | 6.00% | 100.00% | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 4.1 | 4.2 | 6.00% | 100.00% | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 4.2 | 4.3 | 6.00% | 100.00% | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 4.3 | 4.4 | 6.00% | 100.00% | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 4.4 | 4.5 | 6.00% | 100.00% | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 4.5 | 4.6 | 6.00% | 100.00% | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 4.6 | 4.7 | 6.00% | 100.00% | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 4.7 | 4.8 | 6.00% | 100.00% | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 4.8 | 4.9 | 6.00% | 100.00% | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 4.9 | 5 | 6.00% | 100.00% | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 5 | 5.1 | 6.00% | 100.00% | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 5.1 | 5.2 | 6.00% | 100.00% | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 5.2 | 5.3 | 6.00% | 100.00% | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 5.3 | 5.4 | 6.00% | 100.00% | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 5.4 | 5.5 | 6.00% | 100.00% | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 5.5 | 5.6 | 6.00% | 100.00% | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 5.6 | 5.7 | 6.00% | 100.00% | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 5.7 | 5.8 | 6.00% | 100.00% | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 5.8 | 5.9 | 6.00% | 100.00% | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 5.9 | 6 | 6.00% | 100.00% | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 6 | 6.1 | 6.00% | 100.00% | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 6.1 | 6.2 | 6.00% | 100.00% | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 6.2 | 6.3 | 6.00% | 100.00% | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 6.3 | 6.4 | 6.00% | 100.00% | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 6.4 | 6.5 | 6.00% | 100.00% | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 6.5 | 6.6 | 6.00% | 100.00% | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 6.6 | 6.7 | 6.00% | 100.00% | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 6.7 | 6.8 | 6.00% | 100.00% | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 6.8 | 6.9 | 6.00% | 100.00% | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 6.9 | 7 | 6.00% | 100.00% | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 7 | 7.1 | 6.00% | 100.00% | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 7.1 | 7.2 | 6.00% | 100.00% | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 7.2 | 7.3 | 6.00% | 100.00% | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 7.3 | 7.4 | 6.00% | 100.00% | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 7.4 | 7.5 | 6.00% | 100.00% | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 7.5 | 7.6 | 6.00% | 100.00% | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 7.6 | 7.7 | 6.00% | 100.00% | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 7.7 | 7.8 | 6.00% | 100.00% | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 7.8 | 7.9 | 6.00% | 100.00% | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 7.9 | 8 | 6.00% | 100.00% | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 8 | más de 8 | 6.00% | 100.00% | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | Rango en SMMGVDF | PENSIONA2 Adquisición | Edad Pensionado: | Tasa de Interés | % Subcta. Vivienda aplicable para cálculo de monto crédito | 53 | 54 | 55 | 56 | 57 | 58 | Igual o Mayor | Menor | Monto Máximo en SMMGVDF | 1 | 1.1 | 4.00% | 100.00% | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 1.1 | 1.2 | 4.00% | 100.00% | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 1.2 | 1.3 | 4.00% | 100.00% | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 1.3 | 1.4 | 4.00% | 100.00% | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 1.4 | 1.5 | 4.00% | 100.00% | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 1.5 | 1.6 | 4.00% | 100.00% | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 1.6 | 1.7 | 4.00% | 100.00% | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 1.7 | 1.8 | 4.00% | 100.00% | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 1.8 | 1.9 | 4.00% | 100.00% | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 1.9 | 2 | 4.00% | 100.00% | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 2 | 2.1 | 4.00% | 100.00% | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 2.1 | 2.2 | 4.00% | 100.00% | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 2.2 | 2.3 | 4.00% | 100.00% | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 2.3 | 2.4 | 4.00% | 100.00% | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 2.4 | 2.5 | 4.00% | 100.00% | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 2.5 | 2.6 | 5.00% | 100.00% | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 2.6 | 2.7 | 5.00% | 100.00% | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 2.7 | 2.8 | 5.00% | 100.00% | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 2.8 | 2.9 | 5.00% | 100.00% | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 2.9 | 3 | 5.00% | 100.00% | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 3 | 3.1 | 5.00% | 100.00% | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 3.1 | 3.2 | 5.00% | 100.00% | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 3.2 | 3.3 | 5.00% | 100.00% | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 3.3 | 3.4 | 5.00% | 100.00% | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 3.4 | 3.5 | 5.00% | 100.00% | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 3.5 | 3.6 | 6.00% | 100.00% | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 3.6 | 3.7 | 6.00% | 100.00% | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 3.7 | 3.8 | 6.00% | 100.00% | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 3.8 | 3.9 | 6.00% | 100.00% | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 3.9 | 4 | 6.00% | 100.00% | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 4 | 4.1 | 6.00% | 100.00% | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 4.1 | 4.2 | 6.00% | 100.00% | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 4.2 | 4.3 | 6.00% | 100.00% | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 4.3 | 4.4 | 6.00% | 100.00% | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 4.4 | 4.5 | 6.00% | 100.00% | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 4.5 | 4.6 | 6.00% | 100.00% | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 4.6 | 4.7 | 6.00% | 100.00% | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 4.7 | 4.8 | 6.00% | 100.00% | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 4.8 | 4.9 | 6.00% | 100.00% | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 4.9 | 5 | 6.00% | 100.00% | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 5 | 5.1 | 6.00% | 100.00% | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 5.1 | 5.2 | 6.00% | 100.00% | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 5.2 | 5.3 | 6.00% | 100.00% | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 5.3 | 5.4 | 6.00% | 100.00% | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 5.4 | 5.5 | 6.00% | 100.00% | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 5.5 | 5.6 | 6.00% | 100.00% | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 5.6 | 5.7 | 6.00% | 100.00% | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 5.7 | 5.8 | 6.00% | 100.00% | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 5.8 | 5.9 | 6.00% | 100.00% | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 5.9 | 6 | 6.00% | 100.00% | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 6 | 6.1 | 6.00% | 100.00% | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 6.1 | 6.2 | 6.00% | 100.00% | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 6.2 | 6.3 | 6.00% | 100.00% | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 6.3 | 6.4 | 6.00% | 100.00% | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 6.4 | 6.5 | 6.00% | 100.00% | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 6.5 | 6.6 | 6.00% | 100.00% | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 6.6 | 6.7 | 6.00% | 100.00% | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 6.7 | 6.8 | 6.00% | 100.00% | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 6.8 | 6.9 | 6.00% | 100.00% | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 6.9 | 7 | 6.00% | 100.00% | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 7 | 7.1 | 6.00% | 100.00% | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 7.1 | 7.2 | 6.00% | 100.00% | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 7.2 | 7.3 | 6.00% | 100.00% | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 7.3 | 7.4 | 6.00% | 100.00% | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 7.4 | 7.5 | 6.00% | 100.00% | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 7.5 | 7.6 | 6.00% | 100.00% | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 7.6 | 7.7 | 6.00% | 100.00% | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 7.7 | 7.8 | 6.00% | 100.00% | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 7.8 | 7.9 | 6.00% | 100.00% | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 7.9 | 8 | 6.00% | 100.00% | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 8 | más de 8 | 6.00% | 100.00% | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | Rango en SMMGVDF | PENSIONA2 Adquisición | Edad Pensionado: | Tasa de Interés | % Subcta. Vivienda aplicable para cálculo de monto crédito | 59 | 60 | 61 | 62 | 63 | 64 | Igual o Mayor | Menor | Monto Máximo en SMMGVDF | 1 | 1.1 | 4.00% | 100.00% | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 31.2746 | 1.1 | 1.2 | 4.00% | 100.00% | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 34.1102 | 1.2 | 1.3 | 4.00% | 100.00% | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 36.9458 | 1.3 | 1.4 | 4.00% | 100.00% | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 39.7813 | 1.4 | 1.5 | 4.00% | 100.00% | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 42.6169 | 1.5 | 1.6 | 4.00% | 100.00% | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 45.4525 | 1.6 | 1.7 | 4.00% | 100.00% | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 48.2880 | 1.7 | 1.8 | 4.00% | 100.00% | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 51.1236 | 1.8 | 1.9 | 4.00% | 100.00% | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 53.9592 | 1.9 | 2 | 4.00% | 100.00% | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 56.7947 | 2 | 2.1 | 4.00% | 100.00% | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 59.6303 | 2.1 | 2.2 | 4.00% | 100.00% | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 62.4659 | 2.2 | 2.3 | 4.00% | 100.00% | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 65.3014 | 2.3 | 2.4 | 4.00% | 100.00% | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 68.1370 | 2.4 | 2.5 | 4.00% | 100.00% | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 70.9726 | 2.5 | 2.6 | 5.00% | 100.00% | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 73.8081 | 2.6 | 2.7 | 5.00% | 100.00% | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 76.2475 | 2.7 | 2.8 | 5.00% | 100.00% | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 78.6870 | 2.8 | 2.9 | 5.00% | 100.00% | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 81.1264 | 2.9 | 3 | 5.00% | 100.00% | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 83.5658 | 3 | 3.1 | 5.00% | 100.00% | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 86.0052 | 3.1 | 3.2 | 5.00% | 100.00% | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 88.4447 | 3.2 | 3.3 | 5.00% | 100.00% | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 90.8841 | 3.3 | 3.4 | 5.00% | 100.00% | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 93.3235 | 3.4 | 3.5 | 5.00% | 100.00% | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 95.7629 | 3.5 | 3.6 | 6.00% | 100.00% | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 98.2023 | 3.6 | 3.7 | 6.00% | 100.00% | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 100.8294 | 3.7 | 3.8 | 6.00% | 100.00% | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 103.4565 | 3.8 | 3.9 | 6.00% | 100.00% | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 106.0835 | 3.9 | 4 | 6.00% | 100.00% | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 108.7106 | 4 | 4.1 | 6.00% | 100.00% | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 111.3377 | 4.1 | 4.2 | 6.00% | 100.00% | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 114.0898 | 4.2 | 4.3 | 6.00% | 100.00% | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 116.8420 | 4.3 | 4.4 | 6.00% | 100.00% | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 119.5942 | 4.4 | 4.5 | 6.00% | 100.00% | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 122.3463 | 4.5 | 4.6 | 6.00% | 100.00% | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 125.0985 | 4.6 | 4.7 | 6.00% | 100.00% | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 127.8507 | 4.7 | 4.8 | 6.00% | 100.00% | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 130.6028 | 4.8 | 4.9 | 6.00% | 100.00% | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 133.3550 | 4.9 | 5 | 6.00% | 100.00% | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 136.1072 | 5 | 5.1 | 6.00% | 100.00% | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 138.8594 | 5.1 | 5.2 | 6.00% | 100.00% | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 141.5490 | 5.2 | 5.3 | 6.00% | 100.00% | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 144.2386 | 5.3 | 5.4 | 6.00% | 100.00% | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 146.9282 | 5.4 | 5.5 | 6.00% | 100.00% | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 149.6178 | 5.5 | 5.6 | 6.00% | 100.00% | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 152.3074 | 5.6 | 5.7 | 6.00% | 100.00% | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 154.9971 | 5.7 | 5.8 | 6.00% | 100.00% | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 157.6867 | 5.8 | 5.9 | 6.00% | 100.00% | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 160.3763 | 5.9 | 6 | 6.00% | 100.00% | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 163.0659 | 6 | 6.1 | 6.00% | 100.00% | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 165.7555 | 6.1 | 6.2 | 6.00% | 100.00% | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 168.4452 | 6.2 | 6.3 | 6.00% | 100.00% | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 171.1348 | 6.3 | 6.4 | 6.00% | 100.00% | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 173.8244 | 6.4 | 6.5 | 6.00% | 100.00% | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 176.5140 | 6.5 | 6.6 | 6.00% | 100.00% | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 179.2036 | 6.6 | 6.7 | 6.00% | 100.00% | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 181.8932 | 6.7 | 6.8 | 6.00% | 100.00% | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 184.5829 | 6.8 | 6.9 | 6.00% | 100.00% | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 187.2725 | 6.9 | 7 | 6.00% | 100.00% | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 189.9621 | 7 | 7.1 | 6.00% | 100.00% | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 192.6517 | 7.1 | 7.2 | 6.00% | 100.00% | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 195.2788 | 7.2 | 7.3 | 6.00% | 100.00% | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 197.9059 | 7.3 | 7.4 | 6.00% | 100.00% | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 200.5329 | 7.4 | 7.5 | 6.00% | 100.00% | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 203.1600 | 7.5 | 7.6 | 6.00% | 100.00% | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 205.7871 | 7.6 | 7.7 | 6.00% | 100.00% | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 208.4141 | 7.7 | 7.8 | 6.00% | 100.00% | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 211.0412 | 7.8 | 7.9 | 6.00% | 100.00% | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 213.6683 | 7.9 | 8 | 6.00% | 100.00% | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 216.2953 | 8 | más de 8 | 6.00% | 100.00% | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | 218.9224 | Rango en SMMGVDF | PENSIONA2 Adquisición | Edad Pensionado: | Tasa de Interés | % Subcta. Vivienda aplicable para cálculo de monto crédito | 65 | 66 | 67 | 68 | 69 | Igual o Mayor | Menor | Monto Máximo en SMMGVDF | 1 | 1.1 | 4.00% | 100.00% | 27.8970 | 27.5217 | 26.1456 | 24.7070 | 23.3309 | 1.1 | 1.2 | 4.00% | 100.00% | 30.2738 | 28.8352 | 27.3340 | 25.8954 | 24.3942 | 1.2 | 1.3 | 4.00% | 100.00% | 32.6507 | 31.0870 | 29.5232 | 27.8970 | 26.3332 | 1.3 | 1.4 | 4.00% | 100.00% | 35.0276 | 33.3388 | 31.6499 | 29.9611 | 28.2723 | 1.4 | 1.5 | 4.00% | 100.00% | 37.4045 | 35.5905 | 33.7766 | 31.9627 | 30.1487 | 1.5 | 1.6 | 4.00% | 100.00% | 39.7813 | 37.8423 | 35.9033 | 34.0268 | 32.0878 | 1.6 | 1.7 | 4.00% | 100.00% | 42.1582 | 40.0941 | 38.0299 | 36.0284 | 33.9642 | 1.7 | 1.8 | 4.00% | 100.00% | 44.5351 | 42.4084 | 40.2192 | 38.0925 | 35.9033 | 1.8 | 1.9 | 4.00% | 100.00% | 46.9119 | 44.6602 | 42.4084 | 40.1566 | 37.8423 | 1.9 | 2 | 4.00% | 100.00% | 49.2888 | 46.9119 | 44.5351 | 42.1582 | 39.7813 | 2 | 2.1 | 4.00% | 100.00% | 51.6657 | 49.1637 | 46.6617 | 44.1598 | 41.6578 | 2.1 | 2.2 | 4.00% | 100.00% | 54.0426 | 51.4155 | 48.8510 | 46.2239 | 43.6594 | 2.2 | 2.3 | 4.00% | 100.00% | 56.4194 | 53.6673 | 50.9776 | 48.2255 | 45.5359 | 2.3 | 2.4 | 4.00% | 100.00% | 58.7963 | 55.9190 | 53.1043 | 50.2896 | 47.4123 | 2.4 | 2.5 | 4.00% | 100.00% | 61.1732 | 58.1708 | 55.2310 | 52.2912 | 49.3514 | 2.5 | 2.6 | 5.00% | 100.00% | 63.5500 | 60.4851 | 57.4202 | 54.3553 | 51.2904 | 2.6 | 2.7 | 5.00% | 100.00% | 65.9895 | 62.7995 | 59.6094 | 56.4194 | 53.2294 | 2.7 | 2.8 | 5.00% | 100.00% | 68.4289 | 65.1138 | 61.7987 | 58.4836 | 55.2310 | 2.8 | 2.9 | 5.00% | 100.00% | 70.8683 | 67.4281 | 63.9879 | 60.6102 | 57.1700 | 2.9 | 3 | 5.00% | 100.00% | 73.3077 | 69.7424 | 66.2397 | 62.6744 | 59.1716 | 3 | 3.1 | 5.00% | 100.00% | 75.7472 | 72.0567 | 68.3663 | 64.7385 | 61.0481 | 3.1 | 3.2 | 5.00% | 100.00% | 78.1866 | 74.3711 | 70.6181 | 66.8652 | 63.1122 | 3.2 | 3.3 | 5.00% | 100.00% | 80.6260 | 76.6854 | 72.7448 | 68.8667 | 64.9887 | 3.3 | 3.4 | 5.00% | 100.00% | 83.0654 | 79.0623 | 75.0591 | 71.0560 | 67.0528 | 3.4 | 3.5 | 5.00% | 100.00% | 85.5048 | 81.3766 | 77.2483 | 73.1201 | 69.0544 | 3.5 | 3.6 | 6.00% | 100.00% | 87.9443 | 83.6909 | 79.4376 | 75.1842 | 70.9934 | 3.6 | 3.7 | 6.00% | 100.00% | 90.3837 | 86.0052 | 81.6893 | 77.3109 | 72.9950 | 3.7 | 3.8 | 6.00% | 100.00% | 92.8231 | 88.3196 | 83.8786 | 79.4376 | 74.9340 | 3.8 | 3.9 | 6.00% | 100.00% | 95.2625 | 90.6339 | 86.0678 | 81.5017 | 76.9356 | 3.9 | 4 | 6.00% | 100.00% | 97.7019 | 92.9482 | 88.2570 | 83.5658 | 78.8746 | 4 | 4.1 | 6.00% | 100.00% | 100.1414 | 95.3251 | 90.5088 | 85.6925 | 80.8762 | 4.1 | 4.2 | 6.00% | 100.00% | 102.5808 | 97.6394 | 92.6980 | 87.7566 | 82.8152 | 4.2 | 4.3 | 6.00% | 100.00% | 105.0202 | 99.9537 | 94.8872 | 89.8207 | 84.8168 | 4.3 | 4.4 | 6.00% | 100.00% | 107.4596 | 102.2680 | 97.0764 | 91.8849 | 86.6933 | 4.4 | 4.5 | 6.00% | 100.00% | 109.8990 | 104.5824 | 99.3282 | 94.0115 | 88.7574 | 4.5 | 4.6 | 6.00% | 100.00% | 112.3385 | 106.8967 | 101.5174 | 96.1382 | 90.6964 | 4.6 | 4.7 | 6.00% | 100.00% | 114.7779 | 109.2110 | 103.7067 | 98.2023 | 92.6980 | 4.7 | 4.8 | 6.00% | 100.00% | 117.2173 | 111.5253 | 105.8959 | 100.2665 | 94.6370 | 4.8 | 4.9 | 6.00% | 100.00% | 119.6567 | 113.9022 | 108.1477 | 102.3931 | 96.6386 | 4.9 | 5 | 6.00% | 100.00% | 122.0962 | 116.2165 | 110.3369 | 104.4573 | 98.6402 | 5 | 5.1 | 6.00% | 100.00% | 124.5356 | 118.5308 | 112.5261 | 106.5839 | 100.5792 | 5.1 | 5.2 | 6.00% | 100.00% | 126.9750 | 120.8452 | 114.7779 | 108.6481 | 102.5808 | 5.2 | 5.3 | 6.00% | 100.00% | 129.4144 | 123.1595 | 116.9046 | 110.7122 | 104.4573 | 5.3 | 5.4 | 6.00% | 100.00% | 131.8538 | 125.4738 | 119.1563 | 112.8389 | 106.5214 | 5.4 | 5.5 | 6.00% | 100.00% | 134.2933 | 127.7881 | 121.3456 | 114.9030 | 108.4604 | 5.5 | 5.6 | 6.00% | 100.00% | 136.7327 | 130.1650 | 123.5973 | 117.0297 | 110.4620 | 5.6 | 5.7 | 6.00% | 100.00% | 139.1721 | 132.4793 | 125.7866 | 119.0938 | 112.4010 | 5.7 | 5.8 | 6.00% | 100.00% | 141.6115 | 134.7936 | 127.9758 | 121.2205 | 114.4026 | 5.8 | 5.9 | 6.00% | 100.00% | 144.0509 | 137.1080 | 130.1650 | 123.2220 | 116.2791 | 5.9 | 6 | 6.00% | 100.00% | 146.4904 | 139.4223 | 132.4168 | 125.3487 | 118.3432 | 6 | 6.1 | 6.00% | 100.00% | 148.9298 | 141.7366 | 134.6060 | 127.4754 | 120.2822 | 6.1 | 6.2 | 6.00% | 100.00% | 151.3692 | 144.0509 | 136.7952 | 129.5395 | 122.2838 | 6.2 | 6.3 | 6.00% | 100.00% | 153.8086 | 146.3653 | 138.9845 | 131.6036 | 124.2228 | 6.3 | 6.4 | 6.00% | 100.00% | 156.2480 | 148.7421 | 141.2362 | 133.7303 | 126.2244 | 6.4 | 6.5 | 6.00% | 100.00% | 158.6875 | 151.0565 | 143.4254 | 135.7944 | 128.2260 | 6.5 | 6.6 | 6.00% | 100.00% | 161.1269 | 153.3708 | 145.6147 | 137.9211 | 130.1650 | 6.6 | 6.7 | 6.00% | 100.00% | 163.5663 | 155.6851 | 147.8664 | 139.9852 | 132.1666 | 6.7 | 6.8 | 6.00% | 100.00% | 166.0057 | 157.9994 | 149.9931 | 142.0494 | 134.0431 | 6.8 | 6.9 | 6.00% | 100.00% | 168.4452 | 160.3137 | 152.2449 | 144.1760 | 136.1072 | 6.9 | 7 | 6.00% | 100.00% | 170.8846 | 162.6281 | 154.3716 | 146.1776 | 137.9837 | 7 | 7.1 | 6.00% | 100.00% | 173.3240 | 165.0049 | 156.6859 | 148.3668 | 140.0478 | 7.1 | 7.2 | 6.00% | 100.00% | 175.7634 | 167.3193 | 158.8751 | 150.4310 | 141.9868 | 7.2 | 7.3 | 6.00% | 100.00% | 178.2028 | 169.6336 | 161.0643 | 152.4951 | 143.9884 | 7.3 | 7.4 | 6.00% | 100.00% | 180.6423 | 171.9479 | 163.2536 | 154.5592 | 145.8649 | 7.4 | 7.5 | 6.00% | 100.00% | 183.0817 | 174.2622 | 165.5053 | 156.6859 | 147.9290 | 7.5 | 7.6 | 6.00% | 100.00% | 185.5211 | 176.5766 | 167.6946 | 158.8126 | 149.8680 | 7.6 | 7.7 | 6.00% | 100.00% | 187.9605 | 178.8909 | 169.8838 | 160.8767 | 151.8696 | 7.7 | 7.8 | 6.00% | 100.00% | 190.3999 | 181.2052 | 172.0730 | 162.9408 | 153.8086 | 7.8 | 7.9 | 6.00% | 100.00% | 192.8394 | 183.5821 | 174.3248 | 165.0675 | 155.8102 | 7.9 | 8 | 6.00% | 100.00% | 195.2788 | 185.8964 | 176.5140 | 167.1316 | 157.7492 | 8 | más de 8 | 6.00% | 100.00% | 197.7182 | 188.2107 | 178.7032 | 169.2583 | 159.7508 | El presente Acuerdo deberá ser publicado en el Diario Oficial de la Federación". Lo anterior me permito hacerlo de su conocimiento para los efectos legales procedentes. Atentamente México, D.F., a 29 de septiembre de 2014.- El Secretario General y Secretario de la Junta Directiva, Ricardo Luis Antonio Godina Herrera.- Rúbrica. (R.- 400003)
En el documento que usted está visualizando puede haber texto, caracteres u objetos que no se muestren correctamente debido a la conversión a formato HTML, por lo que le recomendamos tomar siempre como referencia la imagen digitalizada del DOF o el archivo PDF de la edición.
|
|
|
|
|
|
|
| |
|