The Infonavit credit is one of the most powerful tools for millions of workers in Mexico looking to acquire a home. However, many people don’t take full advantage of it due to a lack of knowledge about its options, requirements, or benefits.
In 2025, the National Workers’ Housing Fund Institute (Infonavit) has evolved its programs, offering more flexible alternatives to buy a house, land, build, or even improve an existing property.
What’s better: Infonavit, FOVISSSTE, or a bank loan in 2026?
If you are affiliated with Infonavit and want to make a smart decision in Mexico’s real estate market, this step-by-step guide explains how to use your credit correctly, avoid mistakes, and get the most out of it.
What is an Infonavit credit and how does it work?
An Infonavit credit is financing granted to workers registered with the IMSS, funded by employer contributions (5% of integrated salary).
This credit can be used to:
• Buy a new or used house or apartment
• Buy land
• Build on your own land
• Remodel or improve a home
• Pay off an existing mortgage
The loan amount depends on factors such as:
• Your salary
• Your age
• Your credit history
• Your Infonavit points
How many points do you need?
Currently, you need at least 1,080 Infonavit points to qualify for a loan.
You can check your points here:
👉 https://micuenta.infonavit.org.mx
Factors that determine your score:
• Age
• Salary
• Savings in your Housing Subaccount
• Contribution time
• Job stability
What documents do you need for a mortgage in Mexico?
Step by step: how to use your Infonavit credit in 2025
1. Check your prequalification
Before searching for properties, review how much credit you can obtain:
👉 https://micuenta.infonavit.org.mx
You’ll find:
• Loan amount
• Interest rate
• Estimated monthly payment
2. Choose the right type of credit
Infonavit offers different options:
- Traditional Credit
For buying new or used homes - Unamos Créditos
Allows you to combine your credit with another person (partner, friend, or family member) - Cofinavit
Combines your Infonavit credit with a bank loan - Crediterreno
For purchasing land (ideal for investment or future construction) - Mejoravit
For remodeling or improving your home
3. Find the ideal property
You can search through:
• Real estate agencies in Mexico City
• Real estate firms across Mexico
• Property websites such as:
o https://www.propiedades.com
o https://www.inmuebles24.com
o https://www.vivanuncios.com.mx
👉 Tip: Choose properties with high appreciation potential and a good location.
4. Verify the property
Before buying:
• Ensure it has proper title deeds
• Request a lien-free certificate
• Verify land use/zoning
• Confirm it’s registered with the Public Property Registry
5. Take the course “Learn more to decide better”
This course is mandatory to obtain your credit:
👉 https://portalmx.infonavit.org.mx
It will help you understand:
• How your credit works
• Additional costs involved
• How to avoid fraud
6. Prepare your file
Basic documents:
• Official ID
• Social Security Number
• Birth certificate
• Proof of address
• Property appraisal
7. Sign and formalize before a notary
Once approved:
• The deed is signed
• The property is registered
• You receive the keys
How much can Infonavit lend you?
The maximum loan can exceed 2.7 million pesos, depending on your profile.
👉 Check the official simulator:
https://micuenta.infonavit.org.mx
Advantages of using your Infonavit credit
• Lower down payment required
• Accessible interest rates based on income
• Automatic payroll deductions
• Protection in case of unemployment
• Access to subsidies
Common mistakes when using your Infonavit credit
❌ Not thoroughly reviewing the property
❌ Buying in areas with low appreciation potential
❌ Not comparing options (Cofinavit vs bank)
❌ Choosing high monthly payments
❌ Not considering notary costs
Is Infonavit or a bank better?
It depends on your profile:
| Case | Best option |
|---|---|
| Low income | Infonavit |
| High income | Bank |
| Need more credit | Cofinavit |
| Investment goal | Credit + bank |
Tips to make the most of your credit
• Buy in growing areas
• Use simulators before deciding
• Work with real estate advisors
• Analyze your real payment capacity
• Invest with a long-term vision
The Infonavit credit can be your gateway to building wealth if used correctly. More than just buying a house, it’s about making a strategic decision in Mexico’s real estate market.
In 2025, you have more options than ever—from buying a home to acquiring land or remodeling. The key is to stay informed, compare options, and rely on experts.
Sources
• Infonavit – Official portal
https://www.infonavit.org.mx
• Mi Cuenta Infonavit
https://micuenta.infonavit.org.mx
• Course “Learn more to decide better”
https://portalmx.infonavit.org.mx
• CONDUSEF – Mortgage loans
https://www.condusef.gob.mx
• Propiedades.com – Real estate portal
https://www.propiedades.com
