What do I need to process my Infonavit credit?


As an Infonavit beneficiary, there are some requirements and procedures that you will have to do to get the title deed for your new home. Here we tell you five basic steps to start the process of your mortgage loan. Take note!

Steps to process my Infonavit credit

  • Get your prequalification
  • Choose your Infonavit credit
  • Gather the requested documents
  • Register your Infonavit credit application
  • Deliver the documents to your notary


Get your prequalification

To be able to request an Infonavit credit you must have 116 accumulated points. The amount of mortgage credit that you are authorized will depend on some factors such as your salary and age, therefore, the first step to process your credit is to verify, through your prequalification, that you have the minimum required points . Prequalification will let you know:

  • How much you have saved in your Housing Subaccount
  • The amount of the monthly payment you would pay
  • The term it would take to pay the loan and;
  • Other additional expenses that must be covered when you buy a house.

Choose your Infonavit credit

Infonavit offers the following types of mortgage credit for the needs of each beneficiary:

Infonavit credit. This is the traditional loan that provides financing to buy a new or used home, build on your land, remodel or expand your home and pay other mortgage loans.

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Total Infonavit. This credit works through a partnership with a financial institution and allows you to use the maximum capacity of your credit to buy a new or used home.

Cofinavit . This modality gives the opportunity to buy a house of greater value, since it allows you to combine your Infonavit credit with the mortgage credit granted by some other financial institution. Once the Infonavit credit is settled, the employer contributions are used to pay the credit of the financial institution.

Cofinavit additional income. This option works the same as Cofinavit, with the advantage that you can include your extra income (in addition to your formal salary) for example, tips or commissions, and in this way increase the amount of credit.

Infonavit support . With this type of financing you can obtain a loan to buy a house or build it on your own land, with the assurance that you will be able to have the balance of your Housing Sub-Account in case of losing your job.

Your 2nd Infonavit credit . In partnership with other financial institutions, Infonavit offers this fixed rate loan once you have exercised your first Infonavit loan.

Each type of Infonavit credit varies in the requirements and conditions that are requested to grant the loan. For this process, Infonavit has implemented a course that is essential to take called Knowing to Decide , in which you will receive guidance and, if you are a beneficiary, a certificate at the end.

Gather the requested documents

Once you have chosen your credit, verify that you have the documents that are required to carry out the process. Although the required papers vary according to the type of credit and the type of property, all of them ask for at least the following:

  • Certified birth certificate (original and copy) of the holder and spouse, if applicable
  • Marriage certificate (if applicable)
  • Original and copy of an official identification (valid INE, driver's license, military card or passport) of the holder and spouse, if applicable
  • CURP of the holder and spouse, if applicable
  • Tax ID of the holder and spouse, if applicable
  • Proof of address
  • 2 family references with telephone (Name and telephone number)
  • Record of the Know to Decide workshop

It is also necessary that you know your employer registration and your company data (name or company name and telephone number).

Register your Infonavit credit application

After gathering all your documentation, you must correctly fill out the mortgage loan application and go to Infonavit to register it. When your application is registered, you will receive a credit certificate where you will be assigned a folio number that will serve to identify your mortgage credit.

Deliver the documents to your notary

When your application is accepted, you must go to a notary public to whom you will deliver your documents to formalize your procedure. If you do not know a trusted notary public, access the Infonavit directory where you can choose one according to time and quality of service.

In this final step you must enter your Infonavit account to print the Notice of Withholding of Discounts, which must include the signature and stamp of your company before being delivered to the notary, the day you sign the deeds of your house. The Notice of Withholding Discounts is useful in case you change your job in the future, need to sign a credit restructuring or, carry out the liquidation or cancellation of your mortgage.

If you want to know more about the Infonavit credit visit our guide .

Once you are ready to buy a house, know our real estate offer and get ready to brand new home.

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