{"id":196,"date":"2025-08-29T17:07:28","date_gmt":"2025-08-29T17:07:28","guid":{"rendered":"https:\/\/www.nomilinea.com\/blogcms\/?p=196"},"modified":"2026-02-17T18:08:37","modified_gmt":"2026-02-17T18:08:37","slug":"credito-fonacot-y-infonacot","status":"publish","type":"post","link":"https:\/\/www.nomilinea.com\/blogcms\/credito-fonacot-y-infonacot\/","title":{"rendered":"Cr\u00e9dito FONACOT e INFONACOT"},"content":{"rendered":"\n<p>En M\u00e9xico existen distintos programas que buscan apoyar el bienestar econ\u00f3mico de los trabajadores formales. Dos de los m\u00e1s conocidos \u2014y a menudo confundidos\u2014 son <strong>INFONACOT<\/strong> y <strong>FONACOT<\/strong>. Aunque sus nombres se parecen, tienen objetivos distintos.<\/p>\n\n\n\n<p>A continuaci\u00f3n, te explicamos qu\u00e9 es cada uno, para qu\u00e9 sirven, y c\u00f3mo puedes acceder a sus beneficios si trabajas en una empresa formal.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large wp-duotone-unset-1\"><a href=\"https:\/\/www.nomilinea.com\/registro_demo\/?utm_source=blog&amp;utm_medium=organic&amp;utm_campaign=blog_nomilinea&amp;hsLang=es\" target=\"_blank\" rel=\" noreferrer noopener\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"477\" src=\"https:\/\/www.nomilinea.com\/blogcms\/wp-content\/uploads\/2025\/11\/demo-de-software-de-nomina-1024x477.webp\" alt=\"\" class=\"wp-image-560\" srcset=\"https:\/\/www.nomilinea.com\/blogcms\/wp-content\/uploads\/2025\/11\/demo-de-software-de-nomina-1024x477.webp 1024w, https:\/\/www.nomilinea.com\/blogcms\/wp-content\/uploads\/2025\/11\/demo-de-software-de-nomina-300x140.webp 300w, https:\/\/www.nomilinea.com\/blogcms\/wp-content\/uploads\/2025\/11\/demo-de-software-de-nomina-768x358.webp 768w, https:\/\/www.nomilinea.com\/blogcms\/wp-content\/uploads\/2025\/11\/demo-de-software-de-nomina.webp 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 es y para qu\u00e9 sirve el INFONACOT?<\/strong><\/h2>\n\n\n\n<p>El <strong>INFONACOT (Instituto del Fondo Nacional para el Consumo de los Trabajadores)<\/strong> es una instituci\u00f3n que ofrece <strong>cr\u00e9ditos al consumo<\/strong> a empleados formales. Su objetivo es que los trabajadores puedan acceder a bienes y servicios con mejores condiciones de pago que los ofrecidos por el mercado tradicional.<\/p>\n\n\n\n<p>Su financiamiento se puede usar para comprar desde electrodom\u00e9sticos hasta servicios de salud, viajes o incluso cubrir imprevistos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfCu\u00e1l es la diferencia entre el INFONACOT y FONACOT?<\/strong><\/h2>\n\n\n\n<p>Ambos t\u00e9rminos se refieren a lo mismo, pero en distintos niveles. <strong>INFONACOT<\/strong> es el nombre del instituto que gestiona el programa, mientras que <strong>FONACOT<\/strong> suele usarse para hablar espec\u00edficamente del cr\u00e9dito que ofrece.<\/p>\n\n\n\n<p>En la pr\u00e1ctica, muchas personas los usan como sin\u00f3nimos, y est\u00e1 bien. Solo hay que tener claro que uno es el organismo y el otro, el financiamiento al que puedes acceder como trabajador formal. El propio Instituto aclara que INFONACOT es la instituci\u00f3n y Cr\u00e9dito FONACOT es el producto que otorga.<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Requisitos para FONACOT por primera vez<\/strong><\/h2>\n\n\n\n<p>Si es la primera vez que vas a tramitar este tipo de financiamiento, estos son los <strong>requisitos que debes considerar:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tener al menos 6 meses de antig\u00fcedad en tu empleo actual.<br><\/li>\n\n\n\n<li>Que tu empresa est\u00e9 afiliada al FONACOT.<br><\/li>\n\n\n\n<li>Ser mayor de 18 a\u00f1os.<br><\/li>\n\n\n\n<li>Contar con relaci\u00f3n laboral vigente en un Centro de Trabajo afiliado a INFONACOT (no en todos los casos se exige contrato por tiempo indefinido)<br><\/li>\n\n\n\n<li>Comprobar ingresos estables y contar con buen historial crediticio.<br><\/li>\n<\/ul>\n\n\n\n<p>Adem\u00e1s, deber\u00e1s presentar documentos como identificaci\u00f3n oficial, comprobante de domicilio reciente y recibos de n\u00f3mina.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfCu\u00e1nto me pueden prestar con FONACOT?<\/strong><\/h2>\n\n\n\n<p>El monto que puedes obtener a trav\u00e9s de un <strong>cr\u00e9dito FONACOT<\/strong> var\u00eda seg\u00fan tu situaci\u00f3n personal y laboral. Aunque el instituto puede autorizar hasta el equivalente a <strong>cuatro meses de salario neto<\/strong>, ese l\u00edmite no siempre aplica. La cantidad final que se te apruebe depender\u00e1 de una evaluaci\u00f3n integral que considera diversos factores, entre ellos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Tu ingreso y egresos registrados en el recibo de n\u00f3mina.<\/strong><strong><br><\/strong> Esto permite determinar tu capacidad real de pago, descontando lo que ya tienes comprometido.<br><\/li>\n\n\n\n<li><strong>El tiempo que llevas trabajando en tu empleo actual.<\/strong><strong><br><\/strong> Mayor antig\u00fcedad suele traducirse en mayor estabilidad y, por lo tanto, mejores condiciones crediticias.<br><\/li>\n\n\n\n<li><strong>El porcentaje que autorices para el descuento v\u00eda n\u00f3mina.<\/strong><strong><br><\/strong> Puedes elegir entre el 10%, 15% o 20% de tu salario neto como parte del plan de pago. Este porcentaje influye directamente en el monto y el plazo.<br><\/li>\n\n\n\n<li><strong>La calificaci\u00f3n que FONACOT asigna a la empresa donde trabajas.<\/strong><strong><br><\/strong> Las empresas mejor calificadas brindan mayor certeza al instituto, lo que puede ayudarte a obtener un mejor cr\u00e9dito.<br><\/li>\n\n\n\n<li><strong>El plazo que elijas para pagar el pr\u00e9stamo.<\/strong><strong><br><\/strong> Puedes optar por pagar en 6, 12, 18, 24 o hasta 30 meses. El plazo impacta en el monto autorizado y en los intereses.<br><\/li>\n\n\n\n<li><strong>Tu historial crediticio.<\/strong><strong><br><\/strong> Un buen historial aumenta las posibilidades de aprobaci\u00f3n y mejora tus condiciones de financiamiento.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfC\u00f3mo ayuda nomilinea en la gesti\u00f3n de este tipo de cr\u00e9ditos?<\/strong><\/h2>\n\n\n\n<p>Aunque el tr\u00e1mite del cr\u00e9dito lo realiza directamente el trabajador, las empresas tienen un rol importante, ya que deben estar afiliadas al INFONACOT y hacer los descuentos de n\u00f3mina correctamente. Para ello, es clave manejar informaci\u00f3n relacionada con aspectos como el <a href=\"https:\/\/www.nomilinea.com\/blogcms\/salario-minimo-2025-en-mexico\/\"><strong>salario m\u00ednimo<\/strong><\/a> vigente y, en algunos casos, c\u00f3mo impactan estos pagos en prestaciones futuras como la <a href=\"https:\/\/www.nomilinea.com\/blogcms\/que-es-una-pension\/\"><strong>pensi\u00f3n<\/strong><\/a>.<\/p>\n\n\n\n<p>Con una soluci\u00f3n como <strong>nomilinea<\/strong>, las empresas pueden:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Registrar y automatizar descuentos por cr\u00e9ditos INFONACOT.<br><\/li>\n\n\n\n<li>Evitar errores en la n\u00f3mina relacionados con pr\u00e9stamos o retenciones.<br><\/li>\n\n\n\n<li>Llevar un mejor control de las deducciones y obligaciones legales.<br><\/li>\n<\/ul>\n\n\n\n<p>Esto facilita tanto el cumplimiento normativo como la transparencia hacia el trabajador.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex 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Dos de los m\u00e1s conocidos \u2014y a menudo confundidos\u2014 son&#8230;<\/p>\n","protected":false},"author":1,"featured_media":197,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-196","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categoria"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>INFONACOT y FONACOT: requisitos y uso | nomilinea<\/title>\r\n<meta name=\"description\" content=\"\u00bfNo sabes qu\u00e9 es INFONACOT o FONACOT? \u2705 Descubre para qu\u00e9 sirven, requisitos y cu\u00e1les son sus beneficios si eres trabajador formal. \u00a1Inf\u00f3rmate aqu\u00ed!\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/www.nomilinea.com\/blogcms\/credito-fonacot-y-infonacot\/\" \/>\r\n<meta property=\"og:locale\" content=\"es_MX\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"INFONACOT y FONACOT: requisitos y uso | nomilinea\" \/>\r\n<meta property=\"og:description\" content=\"\u00bfNo sabes qu\u00e9 es INFONACOT o FONACOT? 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