Second Infonavit Loan: Requirements, Points and How to Apply

If you've already used your INFONAVIT loan once and now you need more space, want to move to another city, or want to build more wealth, you may be wondering whether you can use it again. The short answer is yes: the Institute allows a second INFONAVIT loan for those who have fully paid off the first one and are still contributing. In this guide, updated for 2026, we explain who qualifies, the points you need, how it differs from the first loan, and the step-by-step process to apply without setbacks.

What is the second INFONAVIT loan?

The second INFONAVIT loan is the chance to exercise your right to financing again with the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (Infonavit, the national workers' housing fund) when you've already used a first loan in the past. It is not an additional loan that runs in parallel with the previous one, but a new one that you can apply for once the first has been paid off and you again meet the eligibility conditions.

The logic is simple: as you keep working in the formal sector, your Subcuenta de Vivienda (housing savings sub-account) continues to build savings and your score grows again. Over time, that allows you to qualify once more to buy a different home — a bigger one or one in a better location.

Who qualifies for a second loan?

Not every beneficiary (derechohabiente) can apply for a second loan right away. In general terms, the Institute usually considers the following criteria:

• Having fully paid off your first INFONAVIT loan.
• Having a current employment relationship and contributing to the IMSS.
• Once again reaching the minimum number of points required by the Institute.
• Having a good payment record in your credit history.
• Not having another active INFONAVIT loan at the time of the application.

If you need to review the basic eligibility conditions, check out our guide to INFONAVIT requirements to buy a home, since many of them also apply to this second application.

Do I have to have paid off the first one?

As a general rule, yes: to access a traditional second loan, your first loan must be completely paid off. This can happen in several ways: through early payoff, because you finished paying it within the term, or even because a benefit or release was applied under the Institute's rules.

There are programs and loan types that have changed over time, so the best recommendation is to check your current status on the official portal and see whether your case allows new financing. Don't assume old conditions still apply, since the Institute may update its criteria every year.

Points required for the second loan

As with the first loan, you need to reach the minimum number of points required by the Institute again. As a reference, in recent years a minimum of around 1,080 points has been used, although you should confirm the current figure directly on your portal, since it can be adjusted.

The good news is that if you kept your formal job after paying off the first loan, your score has probably recovered. To understand how your score is built, see our guide on how many INFONAVIT points you need.

Differences from the first loan

Although the process is similar, the second loan has important nuances worth knowing before you apply:

Updated rules and amounts

Your second loan is calculated under the rules in effect when you apply, not those of your original loan. The maximum amount in pesos will depend on your current salary, your age and the new balance of your Subcuenta de Vivienda, so it may differ from what you received the first time.

Credit profile matters more

For the second loan, your payment history on the first carries special weight. Good behavior makes approval easier, while late payments or restructurings can complicate it.

New appraisal and new home

This is a completely new transaction: you'll need an updated appraisal of the home you want to buy, and you'll have to meet the property requirements again.

How to apply for your second loan step by step

Once you've confirmed that you've paid off the first loan and meet the points requirement, the path is very similar to that of a new loan:

1. Confirm in Mi Cuenta INFONAVIT that your first loan shows as paid off.
2. Do your new pre-qualification and review your points and estimated amount.
3. Take the informational workshop again if the system requires it.
4. Generate your loan certificate (Constancia de crédito) with the newly authorized amount.
5. Look for the home and verify that it meets the Institute's requirements.
6. Request the appraisal from an authorized appraiser.
7. Formalize the transaction before a notary public (notario público) and sign the deed (escrituras).

With your estimated amount in hand, it's a good time to explore the market. You can start to search for properties by area and estimate how much a home is worth with our value calculator.

Common cases when applying for a second loan

In many of these cases, people who have been through the process once find it smoother the second time, because they already know how the workshop, the appraisal and the signing before a notary work. Even so, don't assume everything will be identical: always check the current conditions on the official portal.

Frequently asked questions

Can I have two INFONAVIT loans at the same time?

As a general rule, no. The second loan is processed once the first is paid off; it's not about two active loans running in parallel. Check your status on the portal before applying.

Will the second loan amount be the same as the first?

Not necessarily. The amount is calculated under the current rules and depends on your current salary, your age and the new balance of your Subcuenta de Vivienda, so it may be higher or lower.

Do I need to accumulate points again?

Yes. You must reach the required minimum number of points again. If you kept contributing after paying off the first loan, your score has probably already recovered.

Does my payment history on the first loan affect the second?

Yes, quite a bit. A punctual history makes approval easier, while late payments or restructurings can complicate the new application. Keeping a good payment record always works in your favor.