Infonavit Housing Savings: Who Qualifies and What You Get
Learn how to use your accumulated points to access housing credit and how self-employed workers can maintain their eligibility.
This scheme allows workers to access housing credit through savings accumulated via social security contributions.
Who it's for
This program is designed for workers who have social security contributions made on their behalf. This includes individuals who are employed by a company or those who manage their own coverage. If you have social security contributions recorded, you may be eligible to participate in this system.
What you get
The primary benefit is the ability to access housing credit. To access this credit, you must meet specific requirements regarding your account status. Specifically, you are required to have accumulated a minimum number of "puntos" (points). These points, often referred to as Puntos Infonavit, are determined based on your history of contributions and help determine your eligibility for a housing loan.
What it costs you
There is no direct fee to participate in this savings scheme. The funds used to build your account are sourced from the social security contributions made as part of your employment or your own voluntary payments. Instead of a direct cost, the "cost" is the ongoing commitment of making these contributions to ensure your account grows.
The catch to know
The most important thing to understand is how your employment status affects your points. If you are self-employed, you do not have an employer automatically making these contributions for you. To keep your points active and ensure you can eventually access housing credit, you must take the initiative to make voluntary contributions to your account. Without these voluntary payments, your ability to accumulate the necessary points may stall.
How to apply
- Visit the official portal to check your current accumulated points.
- Confirm that your employer is correctly recording and making your social security contributions.
- If you are working for yourself, set up a plan for voluntary contributions to maintain your account.
- Review your eligibility and start the application process through the official portal: https://portalmx.infonavit.org.mx