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INFONAVIT credit discount: 20% of $15,000 = $3,000

Compare your housing-credit discount: a percent of wage, a fixed peso amount, or 2026 minimum-wage units ($315.04 general / $440.87 northern border). This is not the employer 5% contribution.

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Estimated monthly discount

MX$3,000.00

Share of wage

20.00%

Daily minimum wage

MX$315.04

Days in the period

30

Estimate from the notice type (percent, fixed quota or VSM × 2026 CONASAMI SMG). The printed notice amount prevails. Does not compute credit capacity or the employer 5%. Not INFONAVIT advice.

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INFONAVIT 5%: $10,000 → $500 ($20k = $1,000)

Employer INFONAVIT 5% on SBC: $10,000 → $500 a month. $20,000 → $1,000. Cap 25 UMA. INFONAVIT Law art. 29.

Mexico net salary: $15,000 → $13,223.72 (ISR+IMSS)

$15,000 gross leaves $13,223.72: IMSS $373.46 and ISR $1,402.82. Employment subsidy applies when it should. Not your SAT stub.

Mexico minimum wage 2026: $315.04/day ($9,582.47/month)

CONASAMI DOF 09/12/2025: $315.04 general ($9,582.47/month) and $440.87 northern border ($13,409.80/month). Daily × 365/12.

INFONAVIT credit discount 2026

The withholding notice says how the credit is collected: a percent of wage, a fixed peso quota, or minimum-wage units (VSM). That is not the employer 5% contribution.

Quick answer

Wage $15,000 and a 20% notice: $3,000 a month. Fixed quota $2,450: $2,450 comes out, whatever your pay. VSM 1.0 × $315.04 × 30 days = $9,451.20 (2026 general CONASAMI zone).

Three notice types

Percent = SBC × (notice % / 100) Fixed quota = pesos printed on the notice VSM = factor × daily minimum wage × days in the period

ZoneDailyVSM 1.0 × 30 days
General$315.04$9,451.20
Northern border$440.87$13,226.10

The notice. If the printed amount differs, the notice wins.

Educational estimate

Not INFONAVIT advice. Copy the type and factor from your current notice.