Overview
- The institute confirms that eligibility now hinges on formal enrollment with IMSS or ISSSTE, earning roughly one to two minimum wages, and not owning a home.
- The legal shift took effect after the October announcement, while platform and process updates are being applied gradually into early 2026.
- Applicants should initiate checks and updates through Mi Cuenta Infonavit or seek guidance at service centers if the platform has not yet reflected the new model.
- Basic financial evaluations of repayment capacity remain in place even though the numeric points test has been eliminated.
- Some coverage notes a minimum six months of formal employment as an applied criterion, so workers are advised to verify their case, with the reform framed within the federal Vivienda para el Bienestar program to widen access and stimulate the housing market.