Overview

• In a briefing at Palacio Nacional, director Octavio Romero Oropeza said the shift aims to widen access, especially for younger workers traditionally blocked by the points system.
• Applicants now qualify by meeting three conditions—formal employment, earnings between one and two minimum wages, and no existing homeownership—with eligibility to apply after six months of employment and repayment terms of up to 30 years.
• Infonavit said it will sustain responsible underwriting practices with interest rates tied to income levels while providing simulators and Mi Cuenta tools to help workers plan purchases.
• The Unamos Créditos option remains available for two workers to combine their individual entitlements into one loan with proportional co-ownership, reaching a reported combined cap of 5,095,210 pesos and fixed rates ranging from 3.50% to 10.45%.
• Joint applicants must have active formal jobs and initiate the process through Mi Cuenta, and the institute reports 284,572 people have used combined credits over the past five years.