Overview
- Infonavit’s online simulator gives concrete estimates for borrowers and a 35‑year‑old earning the 2026 minimum wage (9,582.47 MXN/month) received an estimated loan of about 602,691.86 MXN with a monthly payment near 2,771.18 MXN in published examples.
- Loan size is determined by salary plus other inputs in the portal Mi Cuenta Infonavit, including age, balance in the Subcuenta de Vivienda, weeks cotizadas and the applicant’s repayment capacity.
- Equipa tu Casa is a repayable supplemental loan integrated into the main mortgage that ranges roughly from 10,698 to 71,324 MXN and must be requested at the same time as the mortgage application.
- To get Equipa tu Casa applicants must first precalify for the home purchase, integrate a file with a budget and documentation, request the top‑up simultaneously with the mortgage application and formalize the operation before a notary; the funds must be used within six months for non‑structural habitability works and proven with invoices and photos.
- Borrower benefits include using Subcuenta savings to boost purchasing power, salary‑band fixed rates, employer contributions applied to principal and insurance coverage, but applicants must meet administrative requirements such as matching RFC records and an individual CLABE for fund delivery.