Check your Infonavit points: find out if you can buy a home

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Did you know you could be closer to owning your own home than you think?
With just your Social Security Number (NSS), you can check your Infonavit points and find out if you already qualify for a loan.

This is the first real step toward making your dream of owning a home a reality.

What are Infonavit points, and what are they for?

Infonavit points are the tool this institution uses to measure your current ability to qualify for a loan. They aren’t a credit score like the ones banks use, but an assessment based on your age, salary, contribution history, and job stability.

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With 1080 points, you can begin the prequalification process and access different types of loans, such as Crédito Tradicional, Cofinavit, or Unamos Créditos.
The more points you have, the better the terms you may qualify for.

How are Infonavit points calculated?

Points are calculated based on:

  • Your age and salary
  • How long you’ve been making continuous contributions
  • Your type of employment contract
  • Your employer’s stability
  • The amount in your Subcuenta de Vivienda (Housing Subaccount)
  • Your voluntary savings history (if applicable)

This system gives each worker a personalized and fair assessment. It’s not just about how much you earn, but also your commitment at work and your contribution history.

How to check how many Infonavit points you have

Checking your points is free, fast, and 100% online. You only need:

  • Your Social Security Number (NSS)
  • Your CURP
  • An active email address

Then follow these steps:

  1. Go to the official Mi Cuenta Infonavit website
  2. If you don’t have an account, sign up in minutes
  3. Sign in and select “Prequalification and points”
  4. The system will automatically tell you how many points you have and whether you can get a loan

What if you don’t have enough points?

Don’t worry. If you haven’t reached 1080 points yet, the system will tell you how many more you need and which areas you can improve. You can:

  • Continue making contributions without interruption
  • Increase your salary (if possible)
  • Maintain stability in your current job
  • Make voluntary contributions to your Subaccount

This process is part of good financial education: understanding what you need, how to achieve it, and how long it will take. Planning is your best tool.

Financial education: understand your points and take action

It’s not enough to know how many points you have. What matters is understanding how to make the most of them. Financial education teaches you how to use this information to your advantage:

  • Know when it makes sense to apply for a loan
  • Assess whether you can afford a monthly payment without affecting your other expenses
  • Choose from different types of loans based on your profile

Checking your Infonavit points is part of a healthy habit: reviewing your financial situation regularly, staying informed, and acting wisely.

Can I check my points if I’m not currently employed?

Yes. If you’ve made contributions before, your Housing Subaccount still exists and you can check it. Even if you’re not making contributions now, you can:

  • Check your accumulated balance
  • Use that amount toward a future loan
  • Make voluntary contributions
  • See if you meet the minimum requirements

You could even consider other options, such as Cuenta Infonavit + Banco, to combine resources.

Benefits of checking your points regularly

  • It helps you plan your loan in advance
  • You can find out if you qualify for special programs
  • You can identify errors or inconsistencies
  • It motivates you to improve your employment and financial situation

This habit is an essential part of your growth. Checking your points today could mean moving into a new home sooner than you imagine.

📌 Frequently asked questions (FAQ)

How often should I check my Infonavit points?
You can check them whenever you like, but it’s best to do so at least every 3 to 6 months, or when you change jobs.

How many points do I need for an Infonavit loan?
You need at least 1080 points, although this number may vary depending on the type of loan.

Do Infonavit points expire?
No, but if you stop making contributions, the system freezes them. When you start a new job, the process resumes.

What if I have points but don’t want a loan right now?
That’s not a problem. You can continue building savings in your Subaccount until you decide to use them. Your money will continue to earn returns.

Is checking Infonavit points part of financial education?
Yes! It’s one of the first steps toward making informed decisions, planning your assets, and acting responsibly with your finances.

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