Overview
- Fixed rates range from 3.50% to 10.45% in 2026, with a maximum loan of MXN 2,830,672 and terms of up to 30 years subject to age caps of 70 for men and 75 for women.
- Eligibility in 2026 requires active IMSS registration with employer contributions, updated Afore biometrics, authorization for a Buró de Crédito check, and completion of the mandatory information course.
- Infonavit’s Vivienda para el Bienestar delivers well‑located homes of at least 60 m² with basic services, priced around MXN 600,000 for workers earning one to two minimum wages, with deliveries that began in October and continue through 2026.
- Borrowers must use Mi Cuenta Infonavit to determine their individual amount, with access shaped by Subcuenta balance, salary, credit history, repayment capacity, and a reported 1,080‑point threshold slated for simplification.
- After restructuring 4.9 million loans under Solución Integral, Infonavit opened infonavit.org.mx/solucionintegral for beneficiaries to check new terms, which can include balance reductions, lower interest, fixed payments, and employer contributions applied to principal.