{"id":363,"date":"2017-11-06T14:58:18","date_gmt":"2017-11-06T20:58:18","guid":{"rendered":"https:\/\/runahr.com\/?p=363"},"modified":"2026-01-26T22:21:02","modified_gmt":"2026-01-27T04:21:02","slug":"credito-fonacot","status":"publish","type":"post","link":"https:\/\/runahr.com\/mx\/recursos\/nomina\/credito-fonacot\/","title":{"rendered":"Cr\u00e9dito FONACOT: \u00bfQu\u00e9 es? \u00bfC\u00f3mo se c\u00e1lcula?"},"content":{"rendered":"

Muchos <\/span>trabajadores <\/span>piensan <\/span>en <\/span>pedir <\/span>un <\/span>cr\u00e9dito <\/span>FONACOT<\/span>, <\/span>pero <\/span>no <\/span>siempre <\/span>tienen <\/span>claro <\/span>c\u00f3mo <\/span>funciona <\/span>este <\/span>apoyo <\/span>ni <\/span>si <\/span>realmente <\/span>les <\/span>conviene. <\/span>Y <\/span>claro, <\/span>cuando <\/span>se <\/span>habla <\/span>de <\/span>pr\u00e9stamos <\/span>que <\/span>se <\/span>descuentan <\/span>por <\/span>n\u00f3mina, <\/span>conviene <\/span>tener <\/span>los <\/span>datos <\/span>bien <\/span>claros.<\/span><\/p>\n

Aqu\u00ed <\/span>va <\/span>una <\/span>gu\u00eda <\/span>con <\/span>lo <\/span>que <\/span>toda <\/span>\u00e1rea <\/span>de <\/span>Recursos <\/span>Humanos <\/span>deber\u00eda <\/span>tener <\/span>en <\/span>el <\/span>radar. <\/span>Desde <\/span>qu\u00e9 <\/span>es <\/span>exactamente <\/span>este <\/span>cr\u00e9dito, <\/span>qu\u00e9 <\/span>pide <\/span>FONACOT <\/span>para <\/span>autorizarlo, <\/span>cu\u00e1nto <\/span>tarda, <\/span>cu\u00e1nto <\/span>prestan, <\/span>c\u00f3mo <\/span>calcular <\/span>los <\/span>descuentos <\/span>y <\/span>hasta <\/span>qu\u00e9 <\/span>pasa <\/span>si <\/span>alguien <\/span>ya <\/span>tiene <\/span>uno <\/span>y <\/span>quiere <\/span>otro. <\/span>Todo, <\/span>con <\/span>respuestas <\/span>pr\u00e1cticas <\/span>para <\/span>evitar <\/span>dolores <\/span>de <\/span>cabeza <\/span>en <\/span>la <\/span>gesti\u00f3n.<\/span><\/p>\n

\u00bfQ<\/span>u\u00e9 <\/span>es <\/span>realmente <\/span>el <\/span>cr\u00e9dito <\/span>FONACOT?<\/span><\/h2>\n

El <\/span>cr\u00e9dito <\/span>FONACOT<\/span> lo <\/span>otorga el Fondo Nacional para el Consumo de los Trabajadores (FONACOT)<\/a> <\/span><\/span>una <\/span>instituci\u00f3n <\/span>del <\/span>gobierno <\/span>que <\/span>se <\/span>cre\u00f3 <\/span>con <\/span>un <\/span>objetivo <\/span>bastante <\/span>aterrizado: <\/span>que <\/span>los <\/span>trabajadores <\/span>puedan <\/span>adquirir <\/span>bienes <\/span>o <\/span>servicios <\/span>sin <\/span>tener <\/span>que <\/span>endeudarse <\/span>de <\/span>forma <\/span>que <\/span>les <\/span>ahogue <\/span>el <\/span>sueldo. <\/span>Y <\/span>no <\/span>solo <\/span>eso. <\/span>La <\/span>idea <\/span>tambi\u00e9n <\/span>es <\/span>que <\/span>puedan <\/span>hacerlo <\/span>sin <\/span>depender <\/span>de <\/span>prestamistas <\/span>externos <\/span>o <\/span>tasas <\/span>abusivas.<\/span><\/p>\n

Se <\/span>puede <\/span>usar <\/span>en <\/span>dos <\/span>modalidades: <\/span>en <\/span>efectivo <\/span>o <\/span>para <\/span>adquirir <\/span>productos <\/span>espec\u00edficos. <\/span>Los <\/span>pagos <\/span>se <\/span>hacen <\/span>directo <\/span>v\u00eda <\/span>n\u00f3mina<\/span><\/a>, <\/span>con <\/span>plazos <\/span>flexibles <\/span>que <\/span>van <\/span>de <\/span>6 <\/span>hasta <\/span>36 <\/span>meses. <\/span>Y <\/span>el <\/span>trabajador <\/span>elige <\/span>el <\/span>esquema <\/span>que <\/span>mejor <\/span>le <\/span>acomode.<\/span><\/p>\n

\"Ver<\/a><\/p>\n

\u00bfQ<\/span>u\u00e9 <\/span>pide <\/span>FONACOT <\/span>para <\/span>autorizar <\/span>el <\/span>cr\u00e9dito?<\/span><\/span><\/span><\/h2>\n

Los <\/span>requisitos <\/span>que <\/span>pone <\/span>FONACOT <\/span>no <\/span>son <\/span>exagerados, <\/span>pero <\/span>s\u00ed <\/span>hay <\/span>que <\/span>tenerlos <\/span>bien <\/span>identificados <\/span>desde <\/span>Recursos <\/span>Humanos <\/span>para <\/span>evitar <\/span>solicitudes <\/span>incompletas:<\/span><\/p>\n