Bank mortgage vs. Infonavit credit
Compare the general structure of a Mexican bank mortgage with Infonavit housing credit.
A bank mortgage is underwritten and priced by a financial institution. Infonavit is Mexico’s worker housing fund and offers products tied to eligibility, employment and housing-subaccount resources. Products can also combine funding sources.
Neither option is universally better. Compare the amount available, down payment, rate, CAT or equivalent disclosure, term, payment method, employer contributions, insurance, initial costs and consequences of an employment change.
The mortgage calculator can model a fixed-rate principal-and-interest scenario, but it cannot reproduce Infonavit eligibility, employer contributions, subaccount use or product-specific rules. Enter only the portion and terms you can identify, then compare with official simulations.
Verify current products and requirements directly through Infonavit and the bank’s binding offer.