Overview
- Director Octavio Romero reported that 4,856,052 previously unaffordable mortgages were reworked by December 31, including 261,406 fully liquidated, 1,147,824 with immediate balance cuts, and 3,446,822 adjusted with rate or other benefits.
- Infonavit says a valid biometric CURP will be required to process a credit in 2026, a step currently optional and substitutable with other IDs, intended to strengthen identity verification and reduce fraud.
- For 2026, traditional loans carry fixed interest rates between 3.50% and 10.45% by salary band, offer up to MXN 2,830,672.54, and run 1–30 years subject to age-plus-term caps of 70 for men and 75 for women, allowing applicants 60 and older within those limits.
- Eligibility has been eased under the T100 model, which uses a minimum six months of employment and a 100-point threshold, and the administration fee on new credits has been eliminated since May 2024.
- Beneficiaries of the Solución Integral program are receiving individualized messages detailing liquidations or new terms, and can review updated balances and payments through the Mi Cuenta Infonavit portal.