Two credits, one better home: how joint loans work
If both you and your partner contribute to Infonavit, Fovissste, or a bank, you can combine credits to access higher-value housing.
Types of joint credit available
Infonavit-Infonavit (conjugal), Infonavit-Fovissste (Alia2), Infonavit-Bank (Cofinavit), and Bank-Bank (joint mortgage) each have different requirements and amounts.
Concrete advantages
Average individual Infonavit credit is $500,000-$700,000 MXN. Combined, couples access $1,000,000-$1,400,000+ MXN. With conjugal Cofinavit, amounts can exceed $3,000,000 MXN.
Risks and legal considerations
In divorce, property belongs to both regardless of payment proportion. If one stops working, the other must cover full payments. Both appear in credit bureau.
