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How many Infonavit points do I need to buy a house?

To purchase a home with Infonavit, you will need to accumulate a certain number of points. The exact amount depends on factors such as your salary, how long you've been contributing, and your credit history. However, generally, you need at least 1,080 points to apply for an Infonavit credit.

How to Calculate Infonavit Points


Your Infonavit points are calculated based on the following factors:

Salary: Your base salary is one of the most important factors. The higher your salary, the more points you accumulate.
Age: Your age also plays a significant role. The younger you are, the more points you can accrue.
Credit History: Your credit history is also considered. If you have a good credit history, you can accumulate more points.
Contribution Time: The time you've been contributing to Infonavit is crucial. The longer you've been contributing, the more points you accumulate.
Employer Contributions: Your employer's contributions also count towards your points.

Where to Check Infonavit Points


You can check your Infonavit points through various methods:

  • Infonavit's My Account portal: [https://micuenta.infonavit.org.mx/](https://micuenta.infonavit.org.mx/)
  • Infonavit app: Download the Infonavit app on your cellphone and check your points in the "My Credit" section.
  • At the Housing Rights Assistance Centers (CADHs): Visit any CADH to inquire about your points.


For further information, you can refer to this blog.

How to Increase Infonavit Points


If you don't have the 1,080 points necessary for an Infonavit credit, you can take several measures to increase them:

  • Contribute for a longer period: The longer you contribute to Infonavit, the more points you accumulate.
  • Maintain a good credit history: Pay your debts on time and maintain a good credit history to accumulate more points.
  • Request additional contribution: You can request an additional contribution, which is a voluntary contribution to increase your points.

What to Do If You Don't Have Enough Points to Buy a House


If you lack sufficient points to buy a house, you can consider the following alternatives:

  • Apply for a co-financed credit: Apply for a co-financed credit, which combines an Infonavit credit with a bank mortgage. You can learn more about it here
  • Purchase a lower-priced home: Look for a lower-priced home that fits within your points.
  • With Infonavit, Buying a Home in Puerto Vallarta or Bahía de Banderas is Closer Than Ever**


With a bit of planning and effort, you can turn your dream of owning a home in Puerto Vallarta or Bahía de Banderas into a reality. Infonavit offers a variety of products and services to help you achieve your goal.


You can also visit a Housing Rights Assistance Center (CADH) for advice and assistance with your Infonavit credit application.

Don't delay any longer; start planning for the purchase of your dream home.

Grupo Gova: Your Trusted Ally in Finding a Home in Puerto Vallarta, Bahía de Banderas, and Surrounding Areas


Grupo Gova is your reliable ally in the process of finding a house or apartment in Puerto Vallarta, Bahía de Banderas, or the surrounding areas. With our extensive experience and knowledge of the local real estate market, we are committed to helping you realize your dreams of owning a home in this coastal paradise.

Our agents are trained to provide you with personalized service, guiding you every step of the way, from the initial search to the final signing. Whether you're looking for a vacation home, an investment, or a place to call home, at Grupo Gova, you'll find the support and advice you need to make an informed and satisfactory choice.

You can view all our developments here. 

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