Types of Infonavit loans available in 2025: choose the best one for you

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When people hear about Infonavit, many think there's only one type of loan.

But in fact, there are several options, each designed for different profiles, needs, and goals.

Knowing what they are is key to choosing the option that's right for you and making an informed decision based not only on what you want today, but also on what you can sustain over time.

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Here you'll discover the main types of Infonavit loans available in 2025, how each one works, and what benefits it offers.

This guide is designed to help you choose with confidence, clarity, and a sound financial outlook.

Crédito Infonavit Tradicional (Traditional Infonavit Loan)

This is the most common and popular loan. It is for workers who are actively contributing to IMSS, have the required points (at least 1080), and want to buy a new or used home.

This loan is funded with the money in your Subcuenta de Vivienda (Housing Subaccount) plus an additional loan from Infonavit. Monthly payments are automatically deducted from your salary, and the interest rate is fixed.

It is ideal if you:

  • Want to buy a home that is ready to move into
  • Are making continuous contributions
  • Have a stable income

This type of loan also gives you access to the Fondo de Protección de Pagos (Payment Protection Fund), which can be helpful if you experience temporary unemployment.

Cofinavit

This loan combines financing from Infonavit and a bank. The bank provides a loan, and Infonavit contributes an additional amount along with your savings in the Subcuenta de Vivienda.

Cofinavit may be a good option if:

  • Your income is higher
  • You are looking for a higher-value home
  • You want to take advantage of a bank loan without giving up the benefits of Infonavit

With this option, you make two monthly payments: one to the bank and one to Infonavit. However, you can access more expensive properties and a wider range of locations.

Cofinavit Ingresos Adicionales (Cofinavit with Additional Income)

This option is similar to Cofinavit, but is designed for people who earn extra income in addition to their base salary, such as commissions, tips, bonuses, and so on.

With this option, income that cannot be directly documented can still be taken into account when assessing your actual ability to make payments. It is ideal for people with mixed or variable income who want to qualify for a higher loan amount.

Unamos Créditos Infonavit (Combine Infonavit Loans)

This option lets you combine your loan with another person's without having to be married. You can do this with your partner, a friend, a sibling, or anyone you trust.

Both of you must contribute to IMSS and have at least 1080 points. The advantage is that by combining your available loan amounts, you can buy a larger home or one in a better location.

It is designed for:

  • Young people who want to live independently
  • Couples who are not legally married
  • Single people who want to buy a home with someone else

You each keep your own credit history, even though you purchase the property together.

ConstruYO

This loan is designed for people who want to build on land they own, expand their current home, or make major improvements. It is flexible, the funds are provided in stages, and you do not need to have the deed when you start the application.

There are three options:

  • ConstruYO con Asistencia Técnica (ConstruYO with Technical Assistance)
  • ConstruYO con Constructora (ConstruYO with a Construction Company)
  • ConstruYO sin Asistencia (ConstruYO without Assistance)

This type of loan is very useful if you already own land and want the freedom to build according to your own construction plan.

Mejoravit and Renovate

These loans focus on improving or remodeling an existing home. They cannot be used to buy a home, but can be used to modernize, repair, expand, or adapt your current home.

Their advantages include:

  • Affordable loan amounts
  • Short repayment terms
  • No need to change the property deed

They are ideal if you already own a home but want to increase its value or make it more functional.

Apoyo Infonavit (Infonavit Support)

This option lets you use your Subcuenta de Vivienda as collateral for a mortgage from a bank. The money saved in the account can serve as a safety net if you become unemployed, helping cover payments without affecting your credit history.

It is ideal if you:

  • You have a good relationship with a financial institution
  • You are looking for more flexible terms
  • You want to keep building your savings without using them right away

Make a smart choice: your loan should fit your needs

Choosing the right type of Infonavit loan depends not only on the amount you are offered, but also on your current circumstances, job stability, and plans for the future. That is why it is so important to apply financial education before making your final decision.

Before you choose:

  • Assess what you can realistically afford to repay
  • Think about the long term
  • Use loan calculators
  • Read the terms of each product carefully
  • Ask for guidance if you have questions

Choosing strategically can make the difference between enjoying your home and ending up overextended with debt.

📌 Frequently asked questions (FAQ)

Can I switch loan types after starting the application?
No, you need to choose carefully before you start. That is why it is important to compare your options from the beginning.

Can I use an Infonavit loan to buy land?
No. Current loans do not allow you to buy land on its own. You must build on or improve an existing property.

What is the best type of Infonavit loan?
It depends on your income, goals, and employment situation. There is no single right answer.

Can I combine Infonavit financing with a bank loan?
Yes, through the Cofinavit or Apoyo Infonavit option.

Does financial education help with this process?
Yes, because it helps you understand the benefits and commitments, and make decisions that will not affect your long-term financial stability.

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