Particle.news
Download on the App Store
4 ARTICLES
·
2mo ago

Infonavit Finalizes 2025 Mortgage Framework and Confirms Pensioner Withdrawal Rights

The new rules set fixed age and term caps, define points and cotización thresholds, implement tiered interest rates based on salary.

El Infonavit permite créditos hasta los 60 años o más, con plazos que varían según tu género (hombres 70 años máximo, mujeres 75).
En 2025 el Infonavit ofrece un financiamiento máximo de hasta 2 millones 830 mil pesos,

Overview

  • Applicants need a minimum of 1,060 Infonavit points, at least 130 weeks of IMSS cotización and regular employer contributions to qualify for 2025 home loans.
  • Loan durations must follow age-plus-term limits that cap the sum at 70 years for men and 75 years for women.
  • Individual mortgage amounts are limited to 2,716,334.54 pesos while joint Unamos Créditos can reach 4,889,402 pesos, both subject to payment capacity and credit history.
  • Annual interest rates span from 3.76% to 10.45%, fixed for the life of the loan with fee waivers for lower-income borrowers and a 20-point boost for women under Mujer Infonavit.
  • Retirees can request a free, non-expiring refund of unused Subcuenta de Vivienda funds online or at service centers once their IMSS pension resolution is issued.