In Mexico, the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit) is continuing its efforts to facilitate access to housing for workers. Since 2023, Infonavit has eliminated restrictions that previously limited the possibility of obtaining more than one mortgage loan. This change opens up new opportunities for workers looking to build, renovate or acquire property. According to Diyeth Arochi (2025) in El Imparcial, through Subsequent Credits, workers can obtain financing to buy a new or existing house, acquire land, build or renovate a home.
What are Subsequent Credits?
Subsequent Credits are financial instruments designed to provide workers with the possibility of accessing additional financing after having used an Infonavit credit previously. This allows them to expand their assets and improve their quality of life. These credits can be used for various purposes:
- Buying a new or existing house: Allows workers to acquire a property that meets their current needs.
- Acquiring land: Provides the opportunity to invest in land for future construction.
- Building a house: Supports those who wish to build their home from scratch, according to their specifications.
- Renovating a home: Facilitates improvements and expansions to existing properties.
Maximum Loan Amount
According to information provided by Infonavit, the maximum amount that can be granted for a second credit is up to 2,716,334 pesos. However, this amount depends on the worker's payment capacity, taking into account their income and other financial obligations. «There are several aspects that serve for Infonavit to evaluate the maximum amount that it can lend you to exercise a second credit», (El Imparcial, 2025).
Age and Term Considerations
Infonavit also considers the age of the applicant and the term of the credit. The sum of the age and the term cannot exceed 70 years for men and 75 years for women. This ensures that the credit can be paid in a reasonable period, without negatively affecting the worker's financial stability.
Monthly Payment Limits
For workers earning the minimum wage, the monthly payment cannot exceed 20% of their income. If the salary is higher, the payment can represent up to 30% of their income. This measure seeks to protect the worker's financial health, ensuring that they can meet their credit obligations without compromising their essential expenses. Here are some key considerations:
- Income level and payment capacity.
- Age of the applicant and credit term.
- Maximum loan amount available.
Requirements and Process
To access a Subsequent Credit, workers must meet certain requirements and complete a specific process. Although the exact details may vary, some common requirements include:
- Having fully paid off the first Infonavit credit.
- Having a stable employment history.
- Demonstrating payment capacity.
- Complying with the age and term requirements.
Impact and Benefits
The elimination of restrictions on Subsequent Credits has a significant impact on Mexican workers, providing them with greater flexibility and opportunities to access housing. Some of the main benefits include:
- Increased access to housing for workers.
- Opportunity to build, renovate or acquire property.
- Financial flexibility to improve the quality of life.
- Contribution to the economic development of the country.
In conclusion, Infonavit's decision to eliminate restrictions on Subsequent Credits represents a significant step in facilitating access to housing for Mexican workers. By offering the possibility of obtaining additional financing, Infonavit is contributing to improving the quality of life of workers and promoting the economic development of the country.
Reference
Arochi, D. (2025, March 10). Ésta es la cantidad máxima que Infonavit te presta para tu segundo crédito. El Imparcial. https://www.elimparcial.com/dinero/2025/03/10/esta-es-la-cantidad-maxima-que-infonavit-te-presta-para-tu-segundo-credito/
