Como Calcular Credito Infonavit En Pesos
'/%3E%3Ccircle cx='48' cy='39' r='19' fill='%23f2c9a5'/%3E%3Cpath d='M27 35c3-16 39-17 42 2-8-8-27-9-42-2z' fill='%23374151'/%3E%3Cpath d='M21 86c5-24 49-28 56 0z' fill='%232563eb'/%3E%3Ccircle cx='41' cy='41' r='2' fill='%23111827'/%3E%3Ccircle cx='55' cy='41' r='2' fill='%23111827'/%3E%3Cpath d='M42 52c4 3 9 3 13 0' stroke='%2392400e' stroke-width='3' fill='none' stroke-linecap='round'/%3E%3C/svg%3E)
Reviewed by Calculator Editorial Team
Calculating your Infonavit credit in pesos is essential for understanding your housing loan options. This guide explains the formula, provides a calculator, and includes practical examples to help you determine your credit amount accurately.
How to calculate Infonavit credit in pesos
The Infonavit credit is calculated based on your monthly salary and the number of years you've worked. The formula takes into account your salary, years of service, and the current Infonavit credit table values.
Steps to calculate your Infonavit credit
- Determine your monthly salary in pesos.
- Identify the number of years you've worked at your current job.
- Use the Infonavit credit table to find the corresponding credit amount based on your salary and years of service.
- Calculate the total credit amount by multiplying the base credit by the number of years.
Note: The Infonavit credit table values are periodically updated by the government. Always use the most recent table for accurate calculations.
Formula and assumptions
The Infonavit credit amount is calculated using the following formula:
Infonavit Credit = (Base Credit × Years of Service) × 1.16
Where:
- Base Credit - The credit amount from the Infonavit table based on your salary
- Years of Service - Number of years worked at your current job
- 1.16 - Current IVA (Value Added Tax) rate in Mexico
Assumptions
- You are applying for a new Infonavit credit.
- Your salary is fixed and not subject to frequent changes.
- The Infonavit credit table values are current.
- The IVA rate remains at 16% for the calculation period.
Worked example
Let's calculate the Infonavit credit for someone with a monthly salary of $15,000 MXN and 5 years of service.
- Find the base credit for $15,000 MXN in the Infonavit table: $1,200 MXN
- Multiply by years of service: $1,200 × 5 = $6,000 MXN
- Apply IVA: $6,000 × 1.16 = $6,960 MXN
The total Infonavit credit for this example is $6,960 MXN.
Remember: This is an example calculation. Your actual credit amount may vary based on your specific salary and years of service.
Frequently asked questions
How often is the Infonavit credit table updated?
The Infonavit credit table is updated annually by the Mexican government. It's important to use the most recent version for accurate calculations.
Can I get an Infonavit credit if I have a low salary?
Yes, even with a low salary, you may qualify for an Infonavit credit. The amount will be smaller, but it can still provide access to affordable housing.
Is the IVA included in the Infonavit credit calculation?
Yes, the current IVA rate (16%) is included in the calculation to reflect the total amount you'll receive.
Can I use the Infonavit credit for any type of housing?
Infonavit credits are primarily used for new construction projects. However, some programs may allow for used housing purchases.