[REVISION HISTORY]

Infonavit housing and credit program updates

Updated 2 times since CLSTR started tracking revisions of this situation.

What changed

2026-08-26 22:39 UTC → 2026-09-07 03:51 UTC · added ~~removed~~

Infonavit has issued guidance and program details regarding housing management and credit options for workers in Mexico. Initial guidance focused on debt management and the importance of monitoring payroll deductions through the ‘Mi Cuenta Infonavit’ platform to prevent interest accumulation. For workers experiencing financial hardship, the institution highlighted relief options such as ‘Prórroga Total’, ‘Fondo de Protección de Pagos’, and ‘Solución a tu Medida’. Additionally, workers were informed of their ability to track savings in their Housing Subaccount for property use or potential refunds upon retirement. Subsequent updates detailed specific programs for housing improvement and urban development. The Community Regeneration (RCI) program aims to rehabilitate irregular housing in certain municipalities to reintegrate properties into the market. Furthermore, the ‘Equipa tu Casa’ program provides complementary financing for home repairs or household purchases, offering loans between approximately 10,700 and 71,324 pesos to eligible workers with active IMSS employment. As of August 2026, Infonavit has implemented updated documentation requirements for housing credits, as published in the Official Gazette of the Federation. These changes include new identity verification methods, such as using a CURP linked with biometric data, though traditional identification like passports or voter IDs remains valid. Applicants may now authorize credit history inquiries through electronic means or handwritten signatures. Furthermore, certain financing modalities now incorporate financial education certificates into the required documentation, and property deeds may substitute for standard proof of address in specific transactions. In September 2026, new credit schemes and eligibility rules were introduced. The ‘Crediterreno Para mi hogar’ scheme allows beneficiaries to use up to 35% of their credit for land purchases, with 65% reserved for construction; loan terms are subject to age limits, ensuring the combined age and term do not exceed 70 years for men and 75 for women.

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