INFONAVIT Points: How Many You Need and How They're Calculated in 2026

If you work in the formal sector and dream of owning your own home, you've probably heard about INFONAVIT points. This system is the gateway to the most widely used mortgage loan in Mexico, yet many workers don't know exactly how many points they need or how those points are calculated. In this guide, updated for 2026, we explain everything clearly so you can find out whether you already qualify or how far you still have to go.

What are INFONAVIT points?

INFONAVIT points are a scoring system used by the Instituto del Fondo Nacional de la Vivienda para los Trabajadores (the national workers' housing fund) to determine whether a member (derechohabiente) meets the conditions to use their loan. In short, they measure how stable and consistent your work and savings history has been within the system.

The score is updated every two months as your employer makes contributions to your Housing Subaccount (Subcuenta de Vivienda). The steadier your formal employment and the larger your accumulated savings, the faster your score will grow.

How many INFONAVIT points do I need?

Under the Institute's current rules, a minimum of approximately 1,080 points is required to apply for a loan. This figure has remained the benchmark in recent years, although you should confirm it directly in your online account, since the Institute may adjust its criteria.

Reaching the minimum number of points does not by itself guarantee approval: you also need to meet other requirements, such as having a current employment relationship and no active loan. You can review the details in our guide to INFONAVIT requirements for buying a home.

How are your INFONAVIT points calculated?

The score combines several personal and work-related factors. Although the exact formula is internal to the Institute, these are the elements that matter most:

Factors that add points

• Age and salary combined: the Institute weighs your age against your monthly integrated income.
• Housing Subaccount balance: the more savings you've accumulated, the higher your score.
• Bimonthly periods of continuous contributions: seniority and work consistency carry significant weight.
• Stability in your current job: staying with the same employer tends to help your score.
• Employer behavior: whether your company is up to date on its contributions also has an influence.

How to check your INFONAVIT points

Checking your score is free and takes just a few minutes. Follow these steps:

1. Go to the official Mi Cuenta INFONAVIT portal.
2. Register or log in with your Social Security Number (NSS) and your email.
3. Verify your identity with the information the system requests.
4. On the main dashboard, look for the pre-qualification and points section.
5. Check how many points you have and how many you still need to reach the minimum.

If you prefer, you can also visit an INFONAVIT Service Center (CESI) or call Infonatel. Have your NSS and an official ID on hand.

How to earn the points you're missing

If you haven't reached the minimum yet, the good news is that time works in your favor as long as you keep a formal job. These are the most effective strategies:

Remember that accumulating points is only the first stage. Once you qualify, the next step is to set your budget and look for a home. You can start exploring options in our homes for sale section or browse available apartments, and estimate a property's value with our value calculator.

Frequently asked questions about INFONAVIT points

Do INFONAVIT points expire?

No, your points are not erased if you stop working. However, they stop growing while you aren't contributing, so it will take you longer to reach the required minimum.

How often are my points updated?

They are generally updated every two months, as your employer reports the corresponding contributions to the Institute.

Can I apply for the loan as soon as I reach the minimum points?

Yes, as soon as you reach the minimum and meet the other requirements, you can start your online pre-qualification. There's no need to wait to accumulate more points.

Does the score determine the amount of my loan?

Not directly. Points determine your eligibility; the maximum amount depends on your salary, your age, and the balance accumulated in your Housing Subaccount.