How to get an Infonavit loan in 2025, step by step
Owning a home is one of the most common dreams in Mexico. But making it a reality can seem complicated if you don’t know where to start.
Fortunately, the Infonavit loan is designed to make it possible, even if you’ve never applied for a loan before.
Want to know how to get one? Here we explain step by step how to get your Infonavit loan in 2025, what you need, how to start your application, and the key points to help you succeed.
Before you begin: What is an Infonavit loan?
An Infonavit loan is a loan granted by the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (National Workers’ Housing Fund Institute) to buy, build, improve, or pay for a home. If you’re registered with the IMSS and make contributions through formal employment, you’re already building the eligibility needed to access one.
Step 1: Check your Infonavit points
The first step to getting a loan is to find out whether you already meet the minimum requirement of 1,080 points set by the system. These points are calculated based on:
- Age
- Salary
- Contribution history
- Savings in your Housing Subaccount
- Employment stability
To check your points:
- Go to Mi Cuenta Infonavit
- Register if you don’t already have an account
- Click “Precalificación y puntos”
- You’ll see whether you qualify and the approximate amount of your loan
This step is an essential part of good financial education, as it lets you know exactly where you stand before making a decision.
Step 2: Choose the type of Infonavit loan
Not all Infonavit loans are the same. Depending on your situation and needs, you can choose from several options:
- Traditional Loan: Buy a new or used home
- Cofinavit: Combines an Infonavit loan with a bank loan
- Unamos Créditos: Combine your loan with another person’s (a partner, friend, or family member)
- ConstruYO: Build on land you own
- Mejoravit or Renovate: Make improvements or renovations
Choosing the right type of loan is key to finding one that suits your ability to pay and personal goals.
Step 3: Complete your prequalification
Your prequalification summary shows:
- Whether you qualify for a loan
- How much you can apply for
- How much you have in your Housing Subaccount
- Your monthly payment amount
- The loan terms
This tool gives you a clear and realistic picture of what you can do. It’s a good idea to use a loan calculator and carefully consider your options.
Step 4: Attend the “Saber más para decidir mejor” (“Learn More to Make Better Decisions”) workshop
This free online workshop will help you understand:
- How the loan works
- Your rights and obligations
- What to do before, during, and after receiving the loan
It’s not only a mandatory requirement, but also part of your financial education to help you avoid common mistakes.
Step 5: Gather the required documents
Before finalizing the loan, you’ll need:
- Official ID
- Birth certificate
- CURP
- Proof of address
- Your most recent pay stubs
- An appraisal and documents for the home (if you already have one in mind)
Requirements may vary for construction or improvement projects. In all cases, Infonavit offers free guidance to help you gather what you need.
Step 6: Apply for your loan
Once you’ve gathered all the information, you should:
- Choose the home or project
- Enter the information in Mi Cuenta Infonavit
- Schedule an appointment (if necessary)
- Sign your authorization letter
- Wait for approval and sign the final contract
After that, all that’s left is to sign the deed with the notary and get the keys to your new home or begin your construction project.
Step 7: Stay on top of your loan and pay on time
After getting your loan, you can track it through Mi Cuenta Infonavit. There you’ll see your balance, payments made, and important dates.
If you have trouble making payments at any point, options include:
- Fondo de Protección de Pagos (Payment Protection Fund)
- Payment extensions
- Loan restructurings
The key is to get informed in time and act responsibly, two essential pillars of good financial education.
📌 Frequently asked questions (FAQ)
How long does the Infonavit loan process take?
From prequalification to signing, it can take 3 to 8 weeks, depending on the type of loan and the documents.
Can I get a loan if I’m unemployed?
No. You must be actively contributing to IMSS. However, you can continue building savings in your Subcuenta.
What if I don’t have 1080 points?
You can keep contributing, improve your job stability, or make voluntary contributions to strengthen your profile.
Can I combine my loan with my partner’s if we’re not married?
Yes. The Unamos Créditos program lets you do this without being legally married.
Why is financial education important in this process?
Because it helps you make better choices, avoid unmanageable debt, plan your purchase, and protect your assets over the long term.