Mortgage Age Extension: Key Facts
- The Institute of the National Housing Fund for Workers (Infonavit) will implement a significant change in 2025: the maximum age to request a mortgage loan will be extended...
- Here are the key aspects of the changes to Infonavit mortgage loans:
- The maximum age limit for obtaining Infonavit credits is extended to 70 years for men and 75 years for women.
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Infonavit adjusted the maximum age for mortgage loans in 2025 🔻
The Institute of the National Housing Fund for Workers (Infonavit) will implement a significant change in 2025: the maximum age to request a mortgage loan will be extended to 70 years for men and 75 years for women. This adjustment aims to make housing more accessible for individuals in the later stages of their working lives.
Here are the key aspects of the changes to Infonavit mortgage loans:
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The maximum age limit for obtaining Infonavit credits is extended to 70 years for men and 75 years for women.
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Credit Term Determination
The credit term is resolute by subtracting the applicant’s age from 70 years (for men) or 75 years (for women). This calculation defines the repayment period available.
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Loan Requirements
To qualify for a loan, applicants must meet specific requirements, including:
- Accumulate 1,060 infonavit points.
- Have 130 weeks of contributions to the IMSS (Mexican Social security Institute).
- Be an active worker in the private sector.
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Maximum Loan Amount
The maximum loan amount available is 2 million 716 thousand 334.54 pesos. However, the actual amount granted is subject to the applicant’s payment capacity.
Infonavit, the Institute of the National Housing Fund for Workers, is set to make meaningful changes in 2025. The most notable is the extension of the maximum age for mortgage loan applicants. This article answers key questions about these changes, providing clarity and essential information for those looking to secure a mortgage in mexico.
General Questions
The Institute of the National Housing Fund for Workers (Infonavit) is a Mexican government institution that provides mortgage credit and other financial services to workers, helping them acquire, build, or remodel housing.
In 2025, Infonavit will extend the maximum age for requesting a mortgage loan. The new age limit will be 70 years for men and 75 years for women.
This adjustment aims to make housing more accessible to individuals in the later stages of their working lives, recognizing that manny people continue to work and contribute well beyond conventional retirement ages.
Age and Eligibility
The maximum age is extended to 70 years for men and 75 years for women.
How does the age limit affect the credit term?
The credit term is determined by subtracting the applicant’s age from 70 years (for men) or 75 years (for women). This calculation defines the repayment period available.
Yes, to qualify for a loan, applicants must meet several requirements:
Accumulate 1,060 Infonavit points.
Have 130 weeks of contributions to the IMSS (Mexican Social Security Institute).
be an active worker in the private sector.
Do the age changes affect the loan amount I can receive?
While the maximum loan amount available is 2,716,334.54 pesos, the actual amount granted depends on the applicant’s payment capacity.
Loan Specifics and Requirements
To qualify for an Infonavit loan, you generally need to:
Accumulate at least 1,060 Infonavit points
Have contributed to IMSS for a minimum of 130 weeks.
Be actively employed in the private sector.
As of the latest data,the maximum loan amount available is 2,716,334.54 pesos. However, this amount can vary based on your payment capacity.
The Infonavit points system assesses your eligibility for a loan based on factors like your age, salary, savings balance, and contribution history. The system helps determine the loan amount and terms you qualify for.
Having at least 130 weeks of contributions to the IMSS is crucial for Infonavit loan eligibility, as it verifies your employment history and social security contributions.
| Feature | Details |
| —————————— | —————————————————————————– |
| Maximum Age (Men) | 70 years |
| Maximum Age (Women) | 75 years |
| Credit Term Calculation | 70 (Men) or 75 (Women) – Applicant’s Age |
| Infonavit Points Required | 1,060 Points |
| IMSS Contribution | 130 Weeks |
| Maximum Loan Amount (Approx) | 2,716,334.54 pesos (Subject to payment capacity) |