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2h ago

Infonavit Launches T100, Cutting Required Points to 100 and Halving Loan Criteria

The overhaul aims to broaden access for lower‑income workers by decoupling loan amounts from credit‑bureau scores, tying eligibility to a nationwide social‑housing buildout.

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A diferencia de las instituciones financieras, el Infonavit no niega un crédito por un mal historial crediticio

Overview

  • Infonavit will reduce the qualifying threshold from 1,080 to 100 points and shrink required documents from 10 to 5 under the new T100 model.
  • The Buró de Crédito will no longer be used to scale down financing and will only be consulted to confirm applicants lack another housing loan.
  • Penalties on borrowers stemming from employers’ missed contributions will be eliminated from credit determinations.
  • Construction has started on 120,464 homes across Mexico, with about 400,000 additional starts expected next year, including projects in Tamaulipas, Tabasco, Sinaloa, Nuevo León, Quintana Roo, Veracruz and Chiapas.
  • The shift is aligned with Vivienda para el Bienestar, targeting 1.2 million social homes priced near 600,000 pesos, while Infonavit also aims to cancel 333,000 ‘unpayable’ mortgages by end‑2025 and reports 43% of affected deeds freed so far this year.