If you’re thinking about buying a house, apartment, or even investing in real estate in Mexico, the first step is to know whether you qualify for an Infonavit loan. And for that, you need to know your points.
Many workers don’t realize they can easily check their points using their Social Security Number (NSS), nor do they fully understand what those points mean or how they affect the amount of their loan.
Here, I’ll explain step by step how to check your Infonavit points, what you need, what they mean, and how you can increase them to access better opportunities in the real estate market.
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What are Infonavit points?
Infonavit points are a scoring system that determines whether you are eligible for a loan and how much the institute can lend you.
Currently, you need a minimum of 1,080 points to apply for an Infonavit loan.
These points are calculated based on:
- Your age
- Your salary
- Your employment history
- Your savings in the Housing Subaccount
- Your credit behavior
What is the Social Security Number (NSS)?
The NSS is a unique number assigned to every worker affiliated with the IMSS. It is essential for:
- Checking your Infonavit points
- Viewing your employment history
- Accessing your loan
If you don’t have it on hand, you can recover it here: https://www.imss.gob.mx/imssdigital
Step by step: how to check your Infonavit points with your NSS
- Go to the official portal
Access: https://micuenta.infonavit.org.mx
This is the only official site to check your points. - Create your account (if you don’t have one)
You will need:
- Social Security Number (NSS)
- CURP
- RFC
- Phone number
- Log in
Once registered, sign in with:
- NSS or email
- Password
- Check your prequalification
Inside the portal you will see:
- Your current points
- Available loan amount
- Type of loan you qualify for
- Estimated monthly payment
- Analyze your credit profile
The system will also show:
- Risk level
- Payment capacity
- Financing options
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What if you don’t have enough points? According to Coldwell Banker Mexico Real Estate
If you haven’t reached 1,080 points yet, don’t worry. You can work on improving your profile.
How to increase your Infonavit points
- Maintain job stability
The longer you contribute without interruptions, the more points you accumulate. - Improve your salary
A higher salary increases your credit capacity. - Save in your Housing Subaccount
Your employer contributes 5% of your salary, but the more you accumulate, the better. - Take care of your credit history
Infonavit now considers your behavior in the Credit Bureau. - Avoid frequent job changes
This affects your score.
What can you do once you have enough points?
Once you reach 1,080 points, you can use your loan to:
- Buy a house or apartment
- Buy land
- Build a home
- Remodel
- Pay off an existing mortgage
How much credit can you obtain?
The amount depends on your profile, but in 2025 it can exceed: $2.7 million pesos.
You can simulate your loan here: https://micuenta.infonavit.org.mx
Where to look for properties if you already have your points
Once you qualify, you can explore options in:
- Real estate agencies in Mexico City
- Real estate agencies in the State of Mexico
- Real estate websites such as:
Common mistakes when checking your points
❌ Checking on unofficial websites
❌ Not creating an Infonavit account
❌ Thinking points are permanent (they can change)
❌ Not reviewing the available amount
❌ Not comparing credit options
Should you use Infonavit or wait?
It depends on your situation:
- If you already have points and stability → use it
- If you have little savings → wait and improve your profile
- If you can combine loans → use Cofinavit
Tips to better use your points
- Don’t use your loan just for the sake of using it
- Analyze location and appreciation potential
- Consult real estate advisors
- Compare options with banks
- Think long term
For Coldwell Banker Mexico Real Estate, knowing how to check your Infonavit points with your NSS is the first step to entering the real estate world in Mexico. It’s not just about seeing a number, but about understanding your real capacity to invest and make smart decisions.
If you already have the points, you’re closer to your home. If not, now you know exactly what to do to get there.
Sources
- Official Infonavit portal
https://www.infonavit.org.mx - My Infonavit Account
https://micuenta.infonavit.org.mx - IMSS Digital (NSS lookup)
https://www.imss.gob.mx/imssdigital - CONDUSEF – Mortgage loans
https://www.condusef.gob.mx
