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The reform incorporates the possibility that workers can access credits for the acquisition of land ownership for the construction of housing.

The Institute's reclassification of 116,000 loans to the past-due portfolio, as they were considered to be outstanding, increased delinquency to 14%. This is an accounting change rather than a growing impairment of credit.

For many years, INFONAVIT had a clear raison d'être: for decades, Mexico had no long-term mortgage options in the private sector. This was principally due to the fact that the country did not have a yield curve with any depth.