General Assessment

Variable(2016)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: 15 years pesos loan; average loan size $2 million.
Notes: close to 100
Notes: Credits cofinanced between Infonavit and other FI
Notes: Credits cofinanced between Infonavit and other FI
Notes: Most common ARM are indexed on Minimum wages (Infonavit)
Notes: 12.6%
Notes: 15 years pesos loan; average loan size $2 million.
Notes: 15 years pesos loan; average loan size $2 million.
Notes: 15 years pesos loan; average loan size $2 million.
Notes: 16.5%
Notes: 20.10%
Notes: 20.60%
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2010 = 100
Notes: 2nd and 3 deciles.
Notes: 4.9%, As percentage of the dwelling value.
Notes: 4.9%, As percentage of the dwelling value.
Notes: 5.2%, As percentage of the dwelling value.
Notes: 5.3%, As percentage of the dwelling value.
Notes: 5.3%, As percentage of the dwelling value.
Notes: 5.40%
Notes: According to Infonavit, this is the lowest decile they reach; only 14% of households in this bracket can obtain a loan.
Notes: According to Infonavit, this is the lowest decile they reach; only 14% of households in this bracket can obtain a loan.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: Annual average % change in median house prices. From 2005 to the updating year.
Notes: As in 1.4.1, and also includes borrowed dwellings, Intetstate/ disputed properties and other situations (eg Invaded).
Notes: As in 1.4.2 includes: borrowed dwellings; Intestate properties or in dispute and Other situations (eg Invaded).
Notes: Average dwelling unit size-existing housing.
Notes: Between 1%-5% depending on credit methodology
Notes: close to 100
Notes: close to 100
Notes: close to 100
Notes: Credit Cooperatives offered them, but not currently.
Notes: Credit Cooperatives offered them, but not currently.
Notes: Credit Cooperatives offered them,but not currently.
Notes: Credit Cooperatives offered them,but not currently.
Notes: Credits cofinanced between Infonavit and other FI
Notes: Credits cofinanced between Infonavit and other FI
Notes: Differs by each state.
Notes: Differs by each state.
Notes: Differs by each state.
Notes: Differs by each state.
Notes: Financial institution funded by SHF
Notes: Financial institutions use their own credit scoring methods.
Notes: Financial institutions use their own credit scoring methods.
Notes: For loans on udis, 25 years and average loan of $377,000
Notes: For loans on udis, 25 years and average loan of $377,000
Notes: For the product called “Credimil” the subsidy includes a reward for savings, up to 8 times the minimum general wage.
Notes: For the product called “Credimil” the subsidy includes a reward for savings, up to 8 times the minimum general wage.
Notes: IMF annual average principal exchange rate for 2007 (10.93 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2008 (11.14 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2008 (11.14 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2009 (10.93 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2009 (13.50 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2009 (13.50 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2009 (13.50 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2010 (12.63 pesos = 1 USD)
Notes: IMF annual average principal exchange rate for 2010 (12.63 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2010 (12.63 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2011 (12.44 pesos = 1 USD)
Notes: IMF annual average principal exchange rate for 2011 (12.44 pesos = 1 USD).
Notes: IMF annual average principal exchange rate for 2011 (12.44 pesos = 1 USD).
Notes: IMF annual average principal rate for 2007 (10.93 pesos = 1 USD)
Notes: IMF annual average principal rate for 2007 (10.93 pesos = 1 USD)
Notes: IMF annual average principal rate for 2008 (11.14 pesos = 1 USD)
Notes: IMF annual average principal rate for 2008 (11.14 pesos = 1 USD)
Notes: IMF annual average principal rate for 2009 (13.50 pesos = 1 USD)
Notes: IMF annual average principal rate for 2009 (13.50 pesos = 1 USD)
Notes: IMF annual average principal rate for 2010 (12.63 pesos = 1 USD)
Notes: IMF annual average principal rate for 2010 (12.63 pesos = 1 USD)
Notes: IMF annual average principal rate for 2011 (12.44 pesos = 1 USD)
Notes: IMF annual average principal rate for 2011 (12.44 pesos = 1 USD)
Notes: IMF end of period principal exchange rate for December 2007 (10.92 pesos = 1 USD).
Notes: IMF end of period principal exchange rate for December 2008 (13.83 pesos = 1 USD).
Notes: IMF end of period principal exchange rate for December 2009 (13.07 pesos = 1 USD).
Notes: IMF end of period principal exchange rate for December 2010 (12.37 pesos = 1 USD)
Notes: IMF end of period principal exchange rate for December 2011 (13.29 pesos = 1 USD)
Notes: IMF end of period principal exchange rate for December 2011 (13.85 pesos = 1 USD)
Notes: In 2008 they were mostly provided by SHF and only to Sofoles. For infonavit, government is the back up and they have a special program of "helping" people pay their credit in case of default.
Notes: In theory but there is no housing up for sale with a price low enough for this decile to buy.
Notes: Includes Infonavit, Fovissste, Banjercito, commercial banks, Sofoles and Sofomes; excludes cajas.
Notes: Includes Infonavit, Fovissste, Banjercito, commercial banks, Sofoles and Sofomes; excludes cajas.
Notes: Includes: banks, sofoles, sofomes, infonavit and fovissste. IMF annual average principal rate for 2007 (10.93 pesos = 1 USD)
Notes: Includes: banks, sofoles, sofomes, infonavit and fovissste. IMF annual average principal rate for 2008 (11.14 pesos = 1 USD)
Notes: Indexed on minimum wage.
Notes: Infonavit, Fovissste
Notes: Infonavit, Fovissste
Notes: It changes according to the income decile, 59% for the first three, 25% for deciles IV to VII and 15% for the last three.
Notes: It does not have the transactions paid in cash to the previous owner neither does it have the units not paid but transferred in property, summarizing it only counts housing acquisition with a mortgage.
Notes: It does not have the transactions paid in cash to the previous owner niether does it have the units not paid but transfered in property, summarizing it only counts housing acquisition with a mortgage.
Notes: It does not have the transactions paid in cash to the previous owner niether does it have the units not paid but transfered in property, summarizing it only counts housing acquisition with a mortgage.
Notes: It does not have the transactions paid in cash to the previous owner niether does it have the units not paid but transfered in property, summarizing it only counts housing acquisition with a mortgage.
Notes: It does not include the transactions paid in cash to the previous owner neither does it have the units not paid but transferred in property. This measure only counts housing acquisition with a mortgage.
Notes: It includes transactions by federal and regional entities, banks, and other financial institutions.
Notes: It includes transactions by federal and regional entities, banks, and other financial institutions.
Notes: It is not urban but national transactions. It only counts housing acquisitions.
Notes: It is not urban but national transactions. It only counts housing acquisitions.
Notes: It is not urban but national transactions. It only counts housing acquisitions.
Notes: It is not urban but national transactions. It only counts housing acquisitions.
Notes: It is not urban but national transactions. It only counts housing acquisitions.
Notes: It used to be but Credimil is not longer on operation.
Notes: Labor taxes: 58.00%
Notes: Labor taxes: 58.20%.
Notes: Market share using total amount of home mortgage loans in Mexican pesos.
Notes: Microcredit and long-term credit lines.
Notes: Microcredit and long-term credit lines.
Notes: Microcredit and long-term credit lines.
Notes: Microcredit and long-term credit lines.
Notes: Most common ARM are indexed on Minimum wages (Infonavit)
Notes: Most common ARM are indexed on Minimum wages (Infonavit)
Notes: Most common ARM are indexed on Minimum wages (Infonavit)
Notes: National income.
Notes: National Percentage.
Notes: National Percentage.
Notes: National Percentage.
Notes: National Percentage. Preliminary data
Notes: National Percentage. The number can be obtained every two years with the Income and Spending National Survey; this one is an estimate for 2009.
Notes: Non-payment guarantee and Mortgage Credit Insurance.
Notes: Non-payment guarantee and Mortgage Credit Insurance.
Notes: Non-payment guarantee and Mortgage Credit Insurance.
Notes: Non-payment guarantee and Mortgage Credit Insurance.
Notes: Only the loans made by banks and sofoles,.
Notes: Only the loans made by banks and sofoles.
Notes: Only the loans made by banks and sofoles.
Notes: Only the ones of banks and Sofoles.
Notes: People with incomes up to 5 times the minimum general wage; 94% of subsidies linked to credit are used by the 3 or 4 minimum general wage group, 0.22% by by the 2 minimum general wage group.
Notes: People with incomes up to 5 times the minimum general wage; 94% of subsidies linked to credit are used by the 3 or 4 minimum general wage group, 0.22% by the 2 minimum general wage group.
Notes: People with incomes up to 5 times the minimum general wage; 94% of subsidies linked to credit are used by the 3 or 4 minimum general wage group, 0.22% by the 2 minimum general wage group.
Notes: People with incomes up to 5 times the minimum general wage; 94% of subsidies linked to credit are used by the 3 or 4 minimum general wage group, 0.22% by the 2 minimum general wage group.
Notes: Please visit the Research Center or download the full data sets for 2006 data.
Notes: Please visit the Research Center or download the full data sets for 2006 data.
Notes: Please visit the Research Center or download the full data sets for 2006 data.
Notes: Please visit the Research Center or download the full data sets for 2006 data.
Notes: Preliminary data
Notes: preliminary data
Notes: preliminary data
Notes: Preliminary data
Notes: Preliminary data
Notes: Preliminary data
Notes: Preliminary data
Notes: Premium PMT for mortgage insurance.
Notes: Premium PMT for mortgage insurance.
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Provident funds: Infonavit and Fovisste
Notes: Reference rate with a maximum and minimum rate
Notes: Reference rate with a maximum and minimum rate
Notes: Residents in Mexico: 85% of interests over any investment instrument and 4.9% for those living outside Mexico.
Notes: Residents in Mexico: 85% of interests over any investment instrument and 4.9% for those living outside Mexico.
Notes: Residents in Mexico: 85% of interests over any investment instrument and 4.9% for those living outside Mexico.
Notes: Residents in Mexico: 85% of interests over any investment instrument and 4.9% for those living outside Mexico.
Notes: SHF
Notes: SHF Estimate, but there are more without regulation,
Notes: SHF Estimate.
Notes: SHF estimate.
Notes: Sofoles y Sofomes all use MI with SHF in order to reduce the capital requirements; Banks mainly when producing RMBS.
Notes: Sofoles y Sofomes all use MI with SHF in order to reduce the capital requirements; Banks mainly when producing RMBS.
Notes: The number can be obtained every two years with the Income and Spending National Survey, this one is an estimate for 2009.
Notes: The number can be obtained every two years with the Income and Spending National Survey, this one is an estimate for 2009.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: The previous guarantee became Mortgage Insurance.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: There is no public housing in Mexico.
Notes: This is a flat rate.
Notes: This is a flat rate.
Notes: This percent is typical for Sofomes / Sofoles
Notes: This percent is typical for Sofomes / Sofoles
Notes: This percent is typical for Sofomes / Sofoles
Notes: This percent is typical for Sofomes / Sofoles
Notes: Unoccupied of total stock=30.5 mill. National percentage. Only available for census year 2010
Notes: Usually not a fixed amount, but as a % of the loan.
Notes: Usually not a fixed amount, but as a % of the loan.
Notes: Usually not a fixed amount, but as a % of the loan.
Notes: Usually not a fixed amount, but as a % of the loan.
Notes: Various rent free arrangements
Notes: With the exclusion of the interest rate subsidies through Infonavit and Fovissste (bringing the total closer to 80%).
Notes: With the exclusion of the interest rate subsidies through Infonavit and Fovissste (bringing the total closer to 80%).