Find your new home with your Infonavit loan

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General requirements to approve an Infonavit loan in 2026

Formal employment registered with IMSS or ISSSTE

You must have a formal employment registered with IMSS or ISSSTE. With at least 6 months of seniority you can already start your application, much less time than before!

Income between 1 and 2 minimum wages

The new scheme is specially designed for workers whose income ranges between 1 and 2 general minimum wages. If you earn more than 2 minimum wages, you also have options: you can access larger credit schemes like Cofinavit or Traditional Credit.

Do not own a home

This is a relatively new and very important requirement: you must not have a house registered in your name at the time of applying for the loan. The goal is for the benefit to reach primarily those seeking their first home.

End of the traditional Infonavit points system

Big change! Infonavit eliminated the traditional points system (previously 1,080 were required) since October 2025. Now the evaluation is comprehensive and considers your profile as a worker.

AFORE registered and biometric data up to date

You need to be registered with an AFORE and have your biometric data up to date. This allows Infonavit to validate your identity and calculate your financing capacity.

Authorize check of your Credit Bureau history

Infonavit will review your credit history through the Credit Bureau. If you have overdue debts, it is advisable to regularize them before applying.

No other active Infonavit loan

For most products, you cannot have another active loan with Infonavit. If you already paid off a previous one without defaults, you can apply for new financing.

Most searched areas accepting Infonavit loans

State of Mexico
State of Mexico House and lot For Sale in State of Mexico
Puebla
Puebla House and lot For Sale in Puebla
Calle José María Arteaga
Calle José María Arteaga House and lot For Sale in Calle José María Arteaga
Mexico City
Mexico City Apartment For Sale in Mexico City (CDMX)

Frequently asked questions about living in the area

  • You need at least 6 months contributing to IMSS or ISSSTE to be able to apply for an Infonavit loan.
  • The minimum income to apply for an Infonavit loan in 2026 is from 1 to 2 general minimum wages.
  • No, to apply for an Infonavit loan you must not have another property registered in your name.
  • No, the Infonavit points system was eliminated in October 2025.
  • You can check it on the property listing or by using the Infonavit loan filter in the search.
  • The Infonavit loan amount ranges from 1.5 million to 2.8 million Mexican pesos, depending on your general minimum wage (SMG).