Infonavit launches T100 model: How it works and how to apply for a loan

The National Workers' Housing Fund Institute ( Infonavit ) launched the T100 form , a system that simplifies access to mortgage loans. Starting August 18, 2025, beneficiaries only need 100 points to begin the process, replacing the previous system that required 1,080 points.

The T100 model is an Infonavit mortgage loan scheme that allows workers to apply for a loan to purchase a home if they have accumulated 100 points, unlike the previous system, which required 1,080 points.

The T100 model is designed to benefit workers earning between one and two minimum wages, i.e., between 8,364 and 16,728 pesos per month. The initiative seeks to facilitate homeownership and reduce dependence on renting, an important step in building family wealth.

1. Check your points : You can qualify for credit with just 100 points. Previously, you needed 1,080 points, which could take years to accumulate if your salary was low.
2. Meets basic requirements :
   • Be a formal worker with current contributions.
   • Not have another active mortgage loan.
   • That the housing meets the standards of the Housing for Well-being Program.
   • Comply with a minimum contribution period (less strict than before).
3. Credit history isn't an issue : The only thing that matters is that you don't have any other active credit; if you have debt, that no longer blocks your application.
4. Apply for your loan : Once you meet the requirements, you can begin your application and receive the full loan amount, with no deductions for missed contributions.

With the T100, Infonavit reduces the essential requirements for accessing financing from 10 to five:

1. Have 100 points in the new system.
2. Be a formal worker with current contributions.
3. Not have another active mortgage loan with the institute.
4. Comply with a minimum contribution period, shorter than that of the previous model.
5. That the selected housing meets the standards of the Housing for Well-being Program.

Furthermore, a negative credit history is no longer an impediment, unless there is another active loan. The penalty for non-compliance with employer contributions is eliminated, and delivery of the full amount requested is guaranteed.

With this new scheme, the credit-obtaining process could be completed in months, whereas previously it could take years.