The Unidad Mixta Infonavit (UMI) is a financial indicator established by the National Workers’ Housing Fund Institute (Instituto del Fondo Nacional de la Vivienda para los Trabajadores – Infonavit). It is used to calculate the balances and payments of mortgage loans granted in minimum wages. The UMI was designed to shield borrowers from abrupt increases in the minimum wage, adjusting loan conditions based on the annual inflation index.
On January 10, 2025, Infonavit published the updated UMI value for mortgage loans denominated in minimum wages, which will be in effect this year:
This amount reflects the annual adjustment based on the accumulated inflation rate, as reported by the National Institute of Statistics and Geography (Instituto Nacional de Estadística y Geografía – INEGI).
The increase in the UMI value has significant implications for Infonavit borrowers, including:
Finally, it is important to emphasize that the purpose of the UMI is to ensure that increases in loan payments are not directly impacted by rising minimum wages, thereby providing stability for accredited workers.
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