Overview
- Applicants must use the Mi Cuenta Infonavit portal to prequalify by reaching at least 1,080 T1000 points, which factor in age, salary, Subcuenta de Vivienda savings, cotización weeks, credit bureau history and employer contributions.
- Prospective borrowers are required to complete the mandatory online course “Saber más para decidir mejor” and gather documents including official ID, CURP, birth certificate and a bank statement with CLABE.
- Under Infonavit’s 2025 framework, standalone mortgages can reach up to 2.83 million pesos with repayment terms of up to 30 years, provided the applicant’s age plus loan term does not exceed 70 years for men or 75 years for women.
- Unamos Créditos lets two unaffiliated contributors combine their loans to finance properties exceeding 5 million pesos at fixed rates between 3.76% and 10.45%, whereas Cofinavit merges an Infonavit loan with a bank mortgage for additional purchasing power.
- Workers can further increase their borrowing capacity by improving their Buró de Crédito score, making voluntary extraordinary contributions to their Subcuenta de Vivienda or tapping programs like Mujer Infonavit and Mejoravit for targeted benefits.