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Entrar / Registro

¿Qué hacer con el Infonavit si me

5Respuestas
VonAngelo
15/08/2026, 12:35:58

Perder el empleo y tener que gestionar un préstamo hipotecario como el Infonavit (o cualquier hipoteca en España) es una situación estresante, pero hay pasos claros que puedes seguir. Lo primero y más importante: no entres en pánico ni dejes de pagar sin avisar. Contacta cuanto antes con tu entidad financiera para explicar tu situación. En España, muchas entidades ofrecen moratorias o carencias temporales si acreditas el desempleo. Además, existen ayudas como el Código de Buenas Prácticas para familias en riesgo de desahucio. Si tienes un seguro de protección de pagos, revisa las condiciones para activarlo. También puedes solicitar una modificación de las condiciones del préstamo (ampliar plazo, reducir cuota). En paralelo, prioriza tu búsqueda de empleo: actualiza tu CV, usa redes como LinkedIn y acude a servicios públicos de orientación laboral. No te aísles; hay recursos gratuitos de asesoramiento financiero y legal.

Recurso/AcciónDescripciónDónde solicitarlo
Moratoria hipotecariaSuspensión temporal del pago de la cuotaBanco o caja de ahorros
CarenciaPagar solo intereses durante un períodoEntidad financiera
Ayudas públicasPrestación por desempleo, RGI (País Vasco), etc.SEPE o servicios autonómicos
Seguro de protección de pagosCobertura por pérdida de empleoCompañía aseguradora
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LeJayden
16/08/2026, 00:49:34

Mi consejo es que no uses los ahorros para pagar la hipoteca a toda costa si eso te deja sin colchón. Primero, haz números: calcula cuánto tiempo puedes aguantar con el paro y los gastos básicos. Luego, negocia con el banco una carencia de capital (pagas solo intereses) durante 6 o 12 meses. Muchos lo aceptan si demostraste buen historial. Y mientras, busca trabajo de lo que sea, aunque sea a media jornada, para no agotar tus recursos.

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MacElisa
17/08/2026, 05:38:37

Yo pasé por esto el año pasado. Lo que hice fue acogerme al Código de Buenas Prácticas para reestructurar la deuda. Me pidieron ingresos familiares, situación laboral y el importe de la hipoteca. Logré reducir la cuota un 40% durante dos años. Además, solicité el Ingreso Mínimo Vital mientras encontraba trabajo. No es una solución mágica, pero te da aire. Lo clave es no esperar a que llegue el primer impago.

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Harry
18/08/2026, 03:08:20

Una opción que poca gente conoce es vender la vivienda y alquilar si la hipoteca es muy alta. En España, si vendes antes de que el banco inicie el proceso de ejecución, puedes negociar una dación en pago o simplemente saldar la deuda con la venta. Con el dinero sobrante (si lo hay) te buscas un alquiler barato y reduces tu estrés financiero. Eso sí, informa al banco de tus intenciones: ellos prefieren cobrar antes que embargar.

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LeAnderson
18/08/2026, 14:46:33

Desde mi experiencia, lo más eficaz es combinar la búsqueda activa de empleo con la gestión de la hipoteca. Dedica mañanas a enviar CV y asistir a entrevistas, y tardes a hablar con el banco y buscar asesoramiento gratuito. También puedes apuntarte a un curso del SEPE para mantener el subsidio mientras actualizas tus habilidades. No te olvides de pedir cita en los servicios sociales de tu ayuntamiento: a veces ofrecen ayudas puntuales para alquiler o hipoteca.

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