Everything you need to know about Infonavit credit
Infonavit is the most accessible way for millions of Mexicans to access homeownership. If you are a formal worker registered with IMSS, you are already earning points. Here we explain the entire updated process for 2026.
How many points do you need?
You need a minimum of 1,080 Infonavit points to apply for credit. Points are calculated based on: age, salary, continuous contribution, housing sub-account balance, and credit behavior. You can check your points on the Mi Infonavit app.
How much does Infonavit lend?
The maximum amount depends on your salary, age, and sub-account savings. For a worker earning $15,000 monthly, the credit can range between $450,000 and $700,000 pesos. Your housing sub-account works as part of the down payment.
Available credit options
Traditional credit for buying new or used housing. Mejoravit for remodeling. Construyo Infonavit for building on your own land. Cofinavit to combine with bank credit. Unamos Creditos to add your partner credit.
Step by step process
Step 1: Check your points. Step 2: Take the free online course. Step 3: Get your pre-qualification. Step 4: Find the ideal property. Step 5: Schedule appointment with documentation. Step 6: Appraisal and verification. Step 7: Sign before notary and receive your home.
Conclusion
Infonavit credit remains the most accessible gateway to homeownership in Mexico. Explore properties that accept Infonavit credit at casasenoferta.com and start your path to your own home.
