Overview
- Enrollment is automatic for borrowers with active loans, and new terms will be viewable in December through the Mi Cuenta Infonavit portal.
- The program targets loans granted mainly before 2013 under VSM and old-peso schemes that made balances and monthly payments grow despite on-time payments.
- Infonavit reports about 6.2 million total mortgages, with roughly 4 million issued under those legacy schemes that drove unaffordable debt.
- Earlier steps froze problematic loans and delivered relief to about 1,415,000 credits between December 2024 and August 2025, cutting costs by more than 72 billion pesos.
- Infonavit also offers refinancing to pay off bank mortgages at fixed rates of 3.50%–10.45% with two modalities, while the broader housing plan foresees 500,000 subsidized homes at 0% interest during the sexenio.