Credit and support to fix your home's roof in Mexico

The roof is the part of the home that takes the most punishment from the climate. In Mexico, with intense rains in the southeast, extreme heat in the north, and earthquakes in the center, roofs end up cracking, leaking or losing insulation much earlier than the rest of the home. Repairing it is not always cheap, but there are several ways to finance it: Infonavit loans, Conavi programs, bank loans, and in some cases, municipal support after natural events.

Why it matters to address the roof on time

A roof in poor condition not only affects comfort: it causes damage to walls, electrical installations and furniture, drives up electricity consumption (because insulation is lost), reduces the bank appraisal at the time of selling or refinancing and, in seismic zones, is a structural risk factor. The practical rule: every peso spent on time on the roof avoids between three and five pesos in future repairs.

Available programs and credits

Infonavit Mejora tu casa

Previously known as Mejoravit, this Infonavit credit allows beneficiaries to finance repairs, expansions and improvements. Waterproofing, slab replacement or sheet replacement are traditionally covered. Typical amounts in 2026 between $20,000 and $150,000 MXN, term of 12 to 60 months, payroll deduction and preferential rate. Requires bimesters contributed to Infonavit, proof of address and work plan.

Conavi: Housing Improvement Program

In-kind subsidy or technical advisory for low-income households. Especially active in states with high climate vulnerability (Tabasco, Chiapas, Veracruz, Oaxaca, Guerrero, Yucatán). The work is delivered as a materials package (waterproofing, sheets, slabs) plus subsidized labor.

National Reconstruction Program

In areas affected by earthquake or hurricane, the federal government activates specific programs. After tremors like those of 2017 and recent events, there was direct support for roof replacement, with amounts that came to cover 100% of the work for households in declared emergency zones.

Mortgage credit for improvement purposes

Banks like BBVA, Banorte, Banamex, Santander and HSBC offer loans for structural home improvement with rates between 11% and 14% annually, terms up to 15 years and amounts up to 80% of the post-construction appraisal value. It is the option for major repairs that combine roof, installations and structural reinforcement.

Personal loan

If the work is minor (waterproofing, sealing cracks), a personal loan from a bank or credit union may cover it. Typical rates between 18% and 35% annual; it is wise to compare CAT (annual total cost) and not just the rate.

Step-by-step process for Infonavit's Mejora tu casa

1. Log in to "mi cuenta Infonavit" and verify if you have the required bimesters.
2. Request a pre-qualification: the system will tell you the amount you can access.
3. Gather documents: official ID, proof of address and, if applicable, deed.
4. Quote the work with a contractor that offers an invoice. Request a calculation memorandum and material breakdown.
5. Apply for the credit on the Infonavit portal and choose a disbursement form (deposit to your account or to the provider's).
6. Carry out the work and keep the invoices.
7. The payroll deduction starts the bimester following the disbursement.

Practical case: a home in Mérida

A home in Mérida with a concrete slab presents leaks after several rainy seasons. The budget: $45,000 MXN for professional waterproofing with asphalt mantle and downspout replacement. The family obtains a Mejora tu casa credit of $50,000 MXN over 36 months. The monthly deduction is close to $1,650 MXN, deductible directly from the salary.

Practical case: a rural home in Chiapas

A family in a Chiapas locality affected by a hurricane receives support from the National Reconstruction Program after the emergency declaration. The subsidy covers new sheets, structure and qualified labor. Additionally, Conavi adds technical advice to reinforce the cover against future events. The family does not take out credit.

Practical case: an apartment in CDMX

A condo apartment in the Narvarte neighborhood has damage on the common rooftop and leaks from the top floor. The homeowners' assembly contracts the work through a special assessment. Each owner pays their share with their own resources or with a personal loan from their bank. Some Infonavit beneficiaries use Mejora tu casa to cover their portion.

How to choose contractor and materials

• Get at least three quotes.
• Verify references from previous works (photographs and contacts).
• Demand an invoice: only then is the expense deductible and the material guaranteed.
• Request written warranties for the waterproofing (5 to 10 years for medium-quality products).
• Consider materials that provide thermal insulation (reflective mantle, polyurethane covers), as they can lower air- conditioning consumption in warm areas.

Common mistakes

• Waiting for the rainy season to waterproof: the material does not adhere the same on a wet surface.
• Accepting the cheapest quote without verifying references.
• Paying in cash without an invoice.
• Forgetting to file the manifestation or notice with the alcaldía when the work modifies structure.
• Not coordinating the work with the condominium administration.

When not to wait any longer

If you see moisture stains on interior ceilings, visible cracks, or paint falling due to moisture, do not wait: every month that passes, the cost increases. A free or very cheap technical visit with an architect usually makes clear how urgent the intervention is.

Want to know what your home is worth before and after repairing the roof? Get a free Realio valuation in under a minute.