Infonavit loan: how to calculate points and maximum amount

Infonavit grants loans to workers affiliated with the IMSS. The maximum amount and points depend on variables that change periodically: integrated daily salary, age, continuous contributed bimesters, Housing Subaccount balance and employer type. The current system, known as Crédito Infonavit Más Crédito, combines scoring with maximum-amount tables by salary range.

Pre-qualification is done in mi cuenta Infonavit with your NSS and password. The system shows you available points, maximum amount, Subaccount savings and product options (Tradicional, Cofinanciamiento, ConYOLO, Unamos Créditos, among others). If you're short on points, the options to improve are keeping your employment active, avoiding prolonged disabilities and, in some cases, contributing voluntarily.

The Infonavit loan can be combined with a bank loan in a co-financing arrangement. This raises the available amount and reduces the monthly payroll payment, but involves two contracts, two sets of fees and coordination between institutions. Loan use is limited by operating rules: there are restrictions on properties with low appraisals, structural problems or without basic services.

Key points

• Pre-qualify in mi cuenta Infonavit before searching for a property
• Co-financing raises the amount but involves two contracts
• Keep employment stability so you don't lose points
• Not all properties qualify: check in advance