{"id":160292,"date":"2026-02-17T18:08:33","date_gmt":"2026-02-18T00:08:33","guid":{"rendered":"https:\/\/centrourbano.com\/revista\/?p=160292"},"modified":"2026-02-17T18:08:33","modified_gmt":"2026-02-18T00:08:33","slug":"fovissste-dof-programa-justicia-social","status":"publish","type":"post","link":"https:\/\/centrourbano.com\/revista\/vivienda\/fovissste-dof-programa-justicia-social\/","title":{"rendered":"Fovissste publica en el DOF su Programa de Justicia Social"},"content":{"rendered":"

Con este programa, el Fovissste busca cancelar adeudos a trabajadores que han pagado hasta dos veces su pr\u00e9stamo y a\u00fan tienen saldo pendiente<\/em><\/p>\n

Este martes, se public\u00f3 en el Diario Oficial de la Federaci\u00f3n<\/strong> (DOF<\/strong>) un Acuerdo mediante el cual la Comisi\u00f3n Ejecutiva del Fondo de la Vivienda del ISSSTE<\/strong> (Fovissste<\/strong>) se da por enterada del Programa de Justicia Social<\/strong>.<\/p>\n

Dicho programa fue validado por la Junta Directiva del ISSSTE<\/strong> en su sesi\u00f3n ordinaria 1,391, celebrada el 25 de septiembre de 2025, y ahora adquiere eficacia oficial al difundirse en el DOF.<\/p>\n

El esquema, que forma parte de la pol\u00edtica social en materia de vivienda<\/strong>, est\u00e1 dise\u00f1ado para beneficiar a personas acreditadas que enfrentan casos de cr\u00e9ditos hipotecarios antiguos o con condiciones que dificultan su culminaci\u00f3n, con especial atenci\u00f3n al equilibrio entre la deuda y los montos ya pagados.<\/p>\n

\u00bfQui\u00e9nes podr\u00e1n ser beneficiados?<\/strong><\/h2>\n

El acuerdo establece criterios claros de elegibilidad para acceder a los beneficios del Programa de Justicia Social del Fovissste<\/strong>:<\/p>\n

    \n
  • Personas que hayan pagado m\u00e1s de dos veces el monto original de su cr\u00e9dito y cuyo saldo actual sea mayor al 50% del monto prestado.<\/li>\n
  • Personas cuyo saldo actual sea inferior al 10% del pr\u00e9stamo original.<\/li>\n
  • Acreditados con m\u00e1s de 60 a\u00f1os que ya hayan cubierto dos veces lo pagado o que porten cr\u00e9ditos con m\u00e1s de 30 a\u00f1os de antig\u00fcedad.<\/li>\n
  • Personas cuyo cr\u00e9dito tenga m\u00e1s de 20 a\u00f1os desde su originaci\u00f3n o hayan cubierto m\u00e1s de dos veces el monto original.<\/li>\n<\/ul>\n

    \u00bfQu\u00e9 contempla el Programa de Justicia Social?<\/strong><\/h2>\n

    El Fovissste<\/strong> indic\u00f3 que quienes cumplan alguno de estos criterios podr\u00e1n acceder a una liquidaci\u00f3n autom\u00e1tica<\/strong> de su cr\u00e9dito, lo que implica:<\/p>\n

      \n
    • Eliminaci\u00f3n de la orden de descuento del 30% v\u00eda n\u00f3mina.<\/li>\n
    • Baja de las aportaciones del 5% al SAR relacionadas al cr\u00e9dito.<\/li>\n
    • Lberaci\u00f3n del gravamen asociado con la hipoteca.<\/li>\n<\/ul>\n

      Este procedimiento busca dar certidumbre jur\u00eddica<\/strong> y alivio financiero<\/strong> a trabajadores y familias cuya deuda hipotecaria se ha prolongado de manera desproporcionada, generando una carga econ\u00f3mica y social persistente.<\/p>\n

      Contexto del programa<\/strong><\/h2>\n

      El Programa de Justicia Social del Fovissste<\/strong> se promueve desde 2025 como una iniciativa de pol\u00edtica p\u00fablica orientada a reducir las desigualdades en el acceso a una vivienda adecuada y resolver cr\u00e9ditos que por a\u00f1os han mantenido a familias endeudadas sin resultados claros.<\/p>\n

      Antes de su publicaci\u00f3n en el DOF<\/strong>, miles de beneficiarios ya comenzaron a recibir constancias y cartas de liquidaci\u00f3n derivadas de etapas previas del programa.<\/p>\n

      Autoridades del Fovissste<\/strong> han destacado que este tipo de acciones forman parte de un enfoque m\u00e1s amplio para recuperar la funci\u00f3n social del cr\u00e9dito hipotecario, brindar soluciones reales a las y los trabajadores del Estado y reforzar pol\u00edticas de vivienda con enfoque de justicia social.<\/p>\n","protected":false},"excerpt":{"rendered":"

      Con este programa, el Fovissste busca cancelar adeudos a trabajadores que han pagado hasta dos veces su pr\u00e9stamo y a\u00fan tienen saldo pendiente<\/p>\n","protected":false},"author":73,"featured_media":160296,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[12],"tags":[173,499,155,25249,60],"class_list":["post-160292","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-vivienda","tag-credito","tag-dof","tag-fovissste","tag-programa-de-justicia-social","tag-vivienda-2"],"yoast_head":"\nFovissste publica en el DOF su Programa de Justicia Social<\/title>\n<meta name=\"description\" content=\"Con este programa, el Fovissste busca cancelar 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Centro Urbano. Soy egresada de la licenciatura en Ciencias de la Comunicaci\u00f3n de la Facultad de Ciencias Pol\u00edticas y Sociales (UNAM). Me interesa la cultura, el urbanismo y la arquitectura. Amante del mundo digital, el cine, la m\u00fasica, la lectura y la escritura.","sameAs":["https:\/\/x.com\/https:\/\/twitter.com\/Nannz_Hernandez"],"url":"https:\/\/centrourbano.com\/revista\/author\/fernanda-hernandez\/"}]}},"_links":{"self":[{"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/posts\/160292","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/users\/73"}],"replies":[{"embeddable":true,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/comments?post=160292"}],"version-history":[{"count":1,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/posts\/160292\/revisions"}],"predecessor-version":[{"id":160297,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/posts\/160292\/revisions\/160297"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/media\/160296"}],"wp:attachment":[{"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/media?parent=160292"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/categories?post=160292"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/centrourbano.com\/revista\/wp-json\/wp\/v2\/tags?post=160292"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}