Infonavit completes the historic restructuring of its credit portfolio
In an announcement made during the morning conference on November 24 at the National Palace, Octavio Romero Oropeza, general director of the Institute of the National Housing Fund for Workers (Infonavit), declared that by December 2025 the so-called unpayable portfolio inherited from previous administrations will have been completely resolved. This statement represents the culmination of a six-year financial and social strategy, focused on cleaning up the institute’s finances and returning certainty to millions of beneficiaries.
The official contextualized the structural problem that the institution faced at the beginning of the government of President Andrés Manuel López Obrador. At that time, 6 million 563 thousand active mortgage loans were identified, of which an overwhelming majority, specifically 4 million 856 thousand financings, were considered unpayable. The root cause of this situation, according to Romero Oropeza, lay in incorrect collection methodologies that financially overburdened borrowers, which generated a high delinquency rate and a large overdue portfolio.
A methodical restructuring process and its results
Under direct instructions from the Presidency of the Republic, Infonavit implemented a correction plan from the beginning of the administration. This process consisted of debt restructuring, a financial mechanism that modifies the original terms of the credit—such as term, monthly payment amount or interest rate—to make it sustainable for the home economist. To date, this procedure has been successfully applied to 2 and a half million financings, a transition that has allowed families to regularize their situation and continue making payments on their homes.
The plan establishes that, during the last month of 2025, the restructuring of the 2 million 356 thousand remaining credits will be completed, thus reaching all of the 4 million 856 thousand identified cases. The conclusion of this program not only implies a significant reduction in the institute’s delinquency rate, but also consolidates its financial stability and reinforces its ability to grant new mortgage loans under more fair and transparent schemes.
At the same time, substantial progress was highlighted in access to housing for young people. Romero Oropeza stated that, currently, workers with just six months of contributions in the Mexican Social Security Institute (IMSS) already have the right to a housing credit, which is already being delivered effectively. This policy seeks to open the doors of the formal real estate market to a new generation, promoting financial inclusion and family wealth from an early stage of working life.
The transformation of Infonavit, therefore, can be analyzed from a double perspective: the correction of an unsustainable credit past and the implementation of new inclusion policies. The resolution of the overdue portfolio sets a precedent in the management of mortgage debt in Mexico, demonstrating that it is possible to find solutions that balance the financial health of an institution with the real payment capacity of its users. This closing of the cycle allows the institute to focus all its resources on its primary mission: facilitating access to decent housing for the country’s working class.
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