How many points do I need for an Infonavit loan in 2024?

In 2024, buying your own home remains an achievable dream for many workers in Mexico, thanks to the points system of the Institute of the National Housing Fund for Workers (Infonavit).

This year, the threshold to qualify for a mortgage credit It remains at 1,080 points, a stable figure that seeks to facilitate access to housing.

The system of Infonavit points It is an essential tool to determine a worker’s eligibility to receive credit. It is important that you understand how this scheme works if you want to buy a home through Infonavit.

Points are assigned based on criteria such as age, salary, contribution time in Infonavit, and the balance in the worker’s Housing Subaccount.

This model aims encourage early housing planningespecially among younger workers.

Infonavit points system breakdown:

1. Age and Salary: Points increase with higher salaries and younger age. This mechanism encourages young people to start accumulating points early in their careers.

2. Savings in the Housing Subaccount: The funds accumulated in this account contribute directly to the total of points, where greater savings translate into more points.

3. Time contributing to Infonavit: Consistency in contributions is crucial, since long periods of contributions without interruptions also increase the worker’s score.

Tips to maximize your points:

• Maintain job stability: Staying in a job continuously is essential to effectively accumulate points.
• Increase salary: Participating in training and training can help you advance professionally or access better-paying jobs.
• Voluntary contributions: Making additional contributions to your Housing Subaccount not only increases your points, but also your credit capacity.

Understand how these points are accumulated at Infonavit and what actions can maximize them is important to get closer to the goal of having your own home.

Since each situation is unique, it is recommended consult with Infonavit or a certified advisor to receive personalized guidance specific to current and future market conditions and housing policies.

Journalist with more than 15 years of experience in print and digital publications. I am currently editor of Debate.com.mx. I have a degree in Communication Sciences. I have covered diverse information sources, especially from the business areas. I usually write about personal finances, retirement, pensions, IMSS, employment, money, currencies, credits, entrepreneurship, insurance, technology, science and scientific studies in areas such as health. I like social networks, reading about marketing, SEO and literature, especially topics of politics and history. In 2018 I had to start mibolsillo.com and since then I have ventured into digital journalism.

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