The Program we unite credits of the Infonavit, through which credits between friends, family or partners can be added without the need to be married, it has encountered an obstacle: the ability to pay the people.
The program, launched in 2020, allows two beneficiaries to gather the amount of their credits to jointly achieve up to 5 million 95 thousand pesos; However, specialists accuse that people cannot even solve a house in half of that value.
“It is complicated by the payment capabilities. For example, if you join a couple of a couple with an individual payment capacity of 600 thousand pesos, they would have the equivalent of 1.2 million pesos, a price that is not enough for an average house of 2.5 million,” said Ricardo Trejo, general director of the Forecastim consultant. At the end of 2024, the mortgage credits granted by commercial banking were for an average value of 2.5 million pesos.
José Jesús Rodríguez, a tax analyst, agreed that the difficulty in buying a house does not lies in the mechanics of shared credit, but in the insufficiency of income, the mismatch between the attainable amounts and the real value of the market.
“This highlights the need for more comprehensive public policies that not only facilitate financing, but also regulate the real estate market, promote affordable housing developments and improve the real income of workers.” It is a worrying reality. The program falls short in the face of the sustained increase in the price of housing, “Rodríguez said in a separate interview. Trejo considered that Infonavit has to do something to meet all the needs of the market.” In the light of these results of the last six years, where housing becomes more expensive, it does not depend only on the credits, rather it depends on another type of public policy, “he said. With the modality we unite credits, the right Between 4.15 and 10.45 percent, depending on the income level of each. one billion pesos. In 2023 and 2024, the Annual Reports of the Infonavit do not detail with precision how many credits under this modality were granted. Grupo Reforma asked the Infonavit updated information on the project unique we credits, but an answer was not obtained.
