Overview
- Workers must begin by checking their precalification in Mi Cuenta Infonavit, which outlets reported Friday, and then follow a five-step process that includes document submission, a mandatory course and formalization before a notary.
- For home purchases the reported 2026 ceiling is 2,935,002.35 MXN but the actual amount a person can get depends on their registered salary, age and Subcuenta de Vivienda balance.
- The remodel credit lends between 10,698.67 MXN and 169,039.02 MXN, cannot exceed 90% of the Subcuenta balance, does not require the home as collateral and carries fixed rates of 10% for amounts up to 42,794.69 MXN and 11% for larger sums.
- The construct-on-own-land modality requires the land to be in the applicant's name and free of liens, uses an authorized construction professional, and disburses funds as inspectors assigned by Infonavit verify progress.
- Options that affect how families access bigger loans include Unamos Créditos for pooling credits with relatives or partners, age limits that cap loan terms, and the ability to use Subcuenta savings to top up Infonavit financing, so applicants should confirm precise conditions in Mi Cuenta Infonavit.