Thank you.
Good morning. How are you? Ah, for the grito. What did I understand? Up to here. padrino, I said.
Well, good morning to all of you. Today we are going to talk about housing as part of the glossary of the second report of the second year of the accountability report.
With us are Edna Vega, Secretary of Agrarian, Territorial and Urban Development; Yeli Maldonado, Executive Member of the FOVISE; and Octavio Romero, Director General of Infonavit.
Since it is Monday, first comes Iván Escalante, Federal Consumer Attorney. Go ahead.
With your permission, President. Good morning to all of you. We begin with the follow-up of the national strategy to promote the stabilization of diesel and gasoline prices.
To inform all of you that we have a national average price for regular gasoline of 23.67 pesos, and there are already almost 12,000 service stations selling this fuel for less than 24 pesos, thus fulfilling the voluntary agreement that the President recently renewed with the sector.
And on the diesel issue, we have a national average price of 27 pesos, and there are already 8,914 stations selling below this price. Go ahead. Here we have an example of our virtual map, our interactive map, where we can identify all the service stations and the price of both fuels, both diesel and regular gasoline.
And it is practically being updated every day so that families can consult the prices of the stations closest to them and decide where to load these two fuels. Go ahead, please.
And in our weekly monitoring, we highlight this Pemex station in Puebla, Puebla, at 26.80 pesos, and here in each of the regions, noting that in no case is the profit margin per liter of diesel more than 1.60 pesos. We are going to put a checkmark on it.
We continue with those that are going overboard with prices. We identified this BP station in Puebla, Puebla, at 29.99 pesos per liter of diesel with a profit margin of 4.13 pesos, and here in each of the regions are those selling diesel at a high price. That is why it is very important that you consult our interactive map. We are going to put an X on these stations.
And in our follow-up of the basic basket, remember 24 products that must not cost more than 910 pesos thanks to another voluntary agreement, the PASIC agreement, also signed by the President and the sector.
Here we have the cheapest, Chedraui Flores Magón in Cuernavaca, Morelos, at 757 pesos. Ah, sorry, this one not yet. Yes, this one gets a checkmark. And we have Mi Tienda del Ahorro Colosio in Saltillo, Coahuila, at 921.70, the most expensive. We are going to put an X on it.
In our comparison of three cities, Mexico City, Tlalpan borough, the cheapest, Soriana Super Toriello, at 841.90 pesos, we put a checkmark, and the most expensive, Soriana Hipercopa, at 888.90, also a checkmark for being below 910.
In Tampico, Tamaulipas, the cheapest, Soriana Hiper Ejército, at 837.50, checkmark, and the most expensive, HEB Ejército, at 878.88, also a checkmark.
In the case of Hermosillo, Sonora, the cheapest, Walmart Hermosillo, at 846.10 pesos, we put a checkmark, and here we are going to put an X for the 70 extra cents at Walmart Bolard. Morelos in Hermosillo, Sonora. Go ahead, please.
Well, in follow-up of the products that registered a decrease and increase according to the National Consumer Price Index, we present two examples. Their evolution and the places where you can find these products at a better price.
We have identified that these two products went down. As an example, there are many more. We have the full report on our website. Potatoes decreased by 10.66% in price, chicken meat by 1.72%.
And two of the products that increased, we have onions with 32.70% upward and lemons with 11.17%.
Talking with the producers, we have several identified indicators for why prices go up and down, and essentially it is due to the seasonality of the products.
Go ahead. In these charts we will identify, in the case of potatoes, the average price of 50.94 pesos, but depending on where we buy it, it can cost much less. For example, in wholesale centers and local markets we have an average price of 29 pesos, and we have, for example, here at Walmart, the most expensive we found in our monitoring, a kilo of potatoes at 56.64 pesos.
Go ahead. This is the behavior of chicken meat. Whole chicken per kilo. We have the national average price at 35.45.
At Bodega Aurrerá we can find it at 32.37 and at La Comer, sorry, Chedraui, at 36.60.
All this information is very important. The minimum and maximum prices for each of the regions are also there so that people can enter the 'Quienes Quieren los Precios' and identify the places where these and other products are cheaper. Go ahead, please.
This is the case of onions, average price, 41.24. But, for example, in wholesale centers we find it at 26.86.
At Walmart we can find it up to 50 pesos per kilo of white onions. Go ahead, please.
And finally, lemons. 29.95, national average price, and we have found it at 18.30 at La Comer and at Walmart up to 31.32.
I insist, all the information is available for everyone on our website. Go ahead, please.
And well, the grito is coming. In the September issue of Revista del Consumidor we have a recipe for white pozole. It is a recipe that costs 292 pesos, yields six portions and takes 150 minutes to prepare.
There we have the QR code so you can download the magazine and consult the full recipe. And we also have published a section of minimum and maximum prices for many of the products used to cook our famous and delicious Mexican antojitos. Also available for everyone.
Go ahead. We finish with our Profeco tips of the week. One, pay the fair price when filling up with gasoline. Consult our interactive map and locate the service stations that do respect the target price of regular gasoline and diesel.
Two, use our 'Quienes Quieren los Precios' tool and find the establishments with fair prices for the PASIC basic basket. And three, get ready to give the grito with a delicious white pozole.
Download the September issue of Revista del Consumidor for free to consult the full recipe. Our social media, website, consumer hotline. Thank you very much, President. Have a good day, everyone.
With your permission, President. Good morning to all. Just in the framework of the report of President Claudia Sheinbaum, we are making a very important summary of one of the priority programs of the government of Mexico.
Go ahead. In the first slides we will see exactly the summary of what is being done in the entire housing sector, and this is how it is expressed: 12 million families benefited through these different lines.
On one hand, obviously, the construction of new housing, the goal is 1,800,000 new homes over the 6 years. Housing improvement, likewise 1.8 million supports or credits for improvement, improvement of credit conditions with Infonavit and FOVISE.
My colleagues will explain how this goal of 5.8 million people who were credited at the time and who today are in better conditions is broken down. One million deeds and traditional credits.
These first four points are the Housing for Wellbeing program, and additionally Infonavit, FOVISE and the Federal Mortgage Society maintain a trend for granting credits, let's call them traditional. Go ahead, please.
How are we doing on these great goals? 667,000 homes are already contracted, meaning the land has been secured, the executive project was prepared and contracts were signed with the various companies that will build.
It is a very important universe, 667,000 homes. In total, what we have so far is 76 projects, that is, on 766 plots this commitment is already in place, which means 37% progress toward the total goal.
And the accumulated investment in these projects to date is 75,900 million pesos. Remember that it is calculated that we will reach one trillion pesos as the total investment of the Housing for Wellbeing program. Go ahead.
There is a very important piece of data we would like to give you in the framework of housing trends and how the Housing for Wellbeing program is contributing a substantial change in those trends.
Since 2012, in reality, the decline in social housing production was very significant, although mid-range residential housing was maintained. With this program that is providing certainty in construction, you can see that mid-range residential housing is maintained.
In the average, it is maintained in private social housing, which is this dotted line, and you can already see that the private sector is also investing in social production housing.
And there is, of course, a very broad trend in line with the Housing for Wellbeing program. So the entire sector is benefiting from the program, not just the public sector. 277,000 homes are already under construction. You can see these projects. Go ahead, please.
89,000 homes are already assigned or placed, as Infonavit mentions. CONAVI does it through a lottery. Once the project is in process, a lottery is held with the support of the Ministry of Wellbeing, which always accompanies us.
Families living around the project are convened, a lottery is held, and that is how Infonavit has already assigned the homes to its beneficiaries.
The characteristics and the socio-territorial phenomenon are already having an impact. 64% of these people are women, 36% are men. And you see here in the age ranges, young people, 33%.
From 30 to 39 years old, who are also young, 22%, and 40 or older, 44%. So this corresponds a lot to the characteristics of the credits being granted by both Infonavit and CONAVI. Go ahead, please.
This ultimately also reduces. We have held 30 Housing Wednesdays, President, which is very important for the dissemination of the programs. More than two events with the President, plus many others that we hold throughout the territory.
In particular, I will refer to CONAVI. Our goal, I remind you, is 500,000 homes; 148,000 are already contracted, 76,000 are already under construction, and this represents 30% progress.
Regarding improvement, which is a very important line of work for the most vulnerable population of this country, in very outstanding projects, we have already reached 47% progress with 127,000 supports granted by the National Housing Commission and an investment in these improvement supports of 56,680 million pesos. Go ahead.
This is the issue of improvements that have had a very favorable impact on the territory. As you can see in this chart, today more than ever these supports and credits for housing improvement are being reinforced, and we have already reached 40% progress in total between Infonavit and CONAVI for this goal.
And we are intervening in very important projects such as San Quintín, Montaña de Guerrero, the Oriente program in the State of Mexico, and the Interoceanic Corridor. Go ahead.
Within another line is legal certainty. We already have in these two years also 34% progress with 337,000 deeds. Go ahead. Among these stands out the case of the National Institute of Sustainable Soil, which is housing that had already been inhabited for 20, 30 years and whose documents are now being delivered.
The progress seems low, 11%, however, with the entire process that must be followed for this regularization, we are already ready so that for the rest of this year and next year there are 714,000 deeds to deliver.
There are a series of very important testimonials. In addition, Infonavit and FOVISE are also titling the homes. Go ahead.
And I would like to highlight this, which we had already commented on in a previous morning press conference, which was also an important step: both the constitutional reform that guarantees the right to adequate housing with its seven components.
Why do I want to highlight it? Because these seven components, which the United Nations had determined decades ago as the components of adequate housing, we are being very careful in complying with these seven components.
You can see it in the progress made from habitability, having basic services, the location of the housing, that the housing be affordable, meaning that people can acquire it without putting other rights at risk, and cultural adaptation.
So having achieved this constitutional reform to Article 4 is very important to be consistent with the policy that our President of Mexico is following today. And in addition, the Housing Law was also modified so that both Infonavit and FOVISE have this capacity to build new housing.
It allows us to do so. We have a short video presentation that gives an account of these testimonials that you have heard. Thank you very much.
Two years into President Claudia Sheinbaum's government, the Housing for Wellbeing program is transforming lives. We have contracted 667,000 homes for their construction, of which 277,000 are in the construction process. More than 5,000 families are enjoying a new home.
I never imagined it would be so easy to obtain this housing. To the President, honestly, thank you very much to her for giving us the opportunity to acquire an asset.
I think it is now more accessible for young people and even for anyone who wants to acquire a home. President Claudia, thank you very, very much for thinking of us.
In addition, 5,177,000 families finally freed themselves from their unpayable debts of the past.
I felt it was an eternal debt, that I would never be able to finish paying it off. Today they gave me my debt-free certificate. Emotional, very happy, very content. I no longer owe anything to anyone.
717,000 families received a support or credit to improve their housing.
Thank God we were favored with the program. Parts of the roofs and walls were falling. This help that Dr. Claudia Sheinbaum is giving us was the best thing for me.
And 336,000 families received a document that guarantees their legal certainty.
My father passed away 6 months ago, but finally we have in our hands the document that legally makes us owners of that dream my father had.
These achievements are thanks to the coordinated work between CEDATU, Infonavit, CONAVI, FOVISE, INSUS and the Federal Mortgage Society. The Housing for Wellbeing program advances and builds a better future for Mexican families.
Go ahead. I also... there.
With your permission, President. Good morning to all. It is my turn to give the FOVISE report. As you know, with the decree issued by the President in April of last year, we managed to have a program to apply donations, discounts, freezes, restructuring and settlements to unpayable debts.
With that we solve these debts within the framework of the Housing for Wellbeing program. We have a progress of 321,210 beneficiary families of workers, with a goal of 400,000. That is 80% progress of this program, of this line of action, and 20% is dedicated to the restructuring that I will explain right away.
We have held 100 assemblies to deliver debt-free certificates throughout the country. Go ahead.
The restructuring from UMA to pesos is aimed at 78,790 families of credited persons, and this is very important because they are the most deteriorated debts of FOVISE.
And what are we doing? Well, not applying the February update of the UMA. We are removing it. The fixed payment in pesos remains, with a fixed interest rate of 9%, and all people who need a debt reduction will have it.
Here we ask you, very, very important, because we have already notified all the beneficiary persons that we have updated data, but it is very important that people continue updating their data at fobiste.gov.mx and that they enter their account statement to see this good news. Go ahead.
Regarding the credit program, during these 2 years we have granted 59,434 credits with an investment of 66,047 million pesos. The average amount of a FOVISE credit is 1,162,000 pesos.
And within this universe is FOVISE Mujeres for retired public servants, and we have granted to women beneficiaries 16,171 with an investment of 19,000 million pesos. Go ahead.
Regarding legal certainty, during these 2 years we have also cancelled mortgages for 82,528 workers. We signed four agreements so that this mortgage is totally free of charge.
And in the national titling strategy we have a progress of 41,686 deeds delivered to workers, which represents almost 49% progress. Go ahead.
As you know, thanks to the initiative sent by the President with the Housing Law, FOVISE is building again after 34 years. We laid the first stone of the Carmen Cerdán housing complex in Puebla with 512 homes.
We are about to open our national registry. We are already ready to lay the first stone also in Hidalgo, and to date we have land reserve to build a little more than 6,000 homes. How much is that, President? Thank you.
Go ahead, with your permission, President. Good morning.
To report on the situation of Infonavit as of September 14, 2026. Go ahead, please.
First, to talk about unpayable debts. We have discussed here that when this administration began there were 4,856,000 unpayable debts. This means that even though people paid interest and capital, another charge was applied and the debts kept going up and ended up being basically unpayable.
Well, there were 4.85 million. We carried out a restructuring from the beginning of this administration, starting in November 2024, and as of December 31 of last year, these 4,856,000 unpayable debts are totally restructured, all of them.
Of those 4,856,000, 536,000 were fully liquidated and 4,320,000 received reductions in the amounts overcharged, fixed monthly payments and reductions in interest rates.
Next slide, please. This issue that the media have been criticizing a lot, this is the reality of Infonavit regarding non-performing loans.
We received in September 2024 a loan portfolio of 2,990,000 million pesos. Of those, 608,000 million were in non-performing loans, which means 29%.
How are we as of August 2026? The portfolio has already grown because we have placed more credits. Today it is 2,240,000 million pesos, which is the Infonavit portfolio. And the non-performing loans are lower than what we received.
It is 597,000 million pesos, which means 27%. So the non-performing loans of Infonavit in this administration, compared to the previous administration, have decreased by 2%.
Next slide, please. Next slide.
How many mortgage credits have we placed in this administration so far? Mortgage credits, 673,000 credits that mean 610,000 million pesos. This is the economic spillover of the mortgage credits.
Here we started in October of '24 and this is the trend it has had per month until July, which are 673,000 credits, 586 million pesos, and we already have the August close, which is 700,000 million pesos of mortgage credits placed.
Sorry, go back here, please. These are the credits placed, 673,000 credits as of July, and in August we already have 700,000 credits placed, and the economic spillover is 610,000 million pesos. Next slide, please.
Regarding the credits given for housing improvement, as of the close of July we had placed 564,000 housing improvement credits with a spillover of 41,574 million pesos. Already in August the number of credits is 602,982 credits placed.
Next slide, please. Mortgage cancellation. From October '24 to July 31 of this year, 249,745 mortgages have been released. We have already delivered almost 62,000 homes, and as of the close of August it went from 249,000 to 253,000 mortgage cancellations. Next slide, please.
Housing for Wellbeing program. Next slide, please. Well, at the beginning of the administration and today, these are the figures.
We have 532,000, almost 533,000 contracted homes. Of those, 223,000 are already under construction, construction has already begun.
And our goal is that by December of this year 167,000 more homes are contracted. This would take us, if this goal we are thinking about is met, to 700,000 homes by the close of December of this year, leaving us with 500,000 homes to contract next year, and with that we would meet in the third year the total goal of the six-year term, which is 1,200,000 homes.
Next slide, please. How are we doing on the placement of homes?
Well, as of today, as of today we already have a little more because this is from last week, but well, 37,400 homes have already been placed among the beneficiaries in 124 developments in 70 municipalities in 29 states.
Who are receiving these homes? Mostly women, 52% versus 48% men. And regarding the minimum wage, who are receiving these homes? Those who earn the least. But in this case, those who earn the least among those who earn the least.
For example, 88% of those 37,000 homes are for those who earn between 1 and 1.5 minimum wages. 11% for those who earn between 1.5 and 2, and 1% for those who earn more than two minimum wages.
In terms of age ranges, young people from 18 to 29 years old, 39% of the 37,000; young adults from 30 to 39 years old, 35%; and over 40 years old, 40, 50, 60 years old, 26%.
Next slide, please. Well, the total of mortgage and non-mortgage credits, this is a bit of the Infonavit spillover since this administration began. And up to August 2026 we have placed 1.3 million mortgage and housing improvement credits.
That means a spillover of 681,000 million pesos in this period of this administration. In addition to that, 54,400 million pesos in investment in the construction of homes for wellbeing.
This means an economic spillover of 735,000 million pesos, which on average per year, since we are about to complete 2 years, on average is 367,500 million pesos per year in this administration.
I think with this we conclude and there is a video left, right? With your permission, President. Thank you.
It can't be heard. Ah, there.
Look, I underestimated it. At an event I said that the housing program represented 1% of GDP, and it is more because from Infonavit alone it is 379,000 million pesos, which is more or less 1% of GDP.
You have to add FOVISE, CONAVI and the Federal Mortgage Society. So, what is the economic spillover of FOVISE? More or less 70,000 per year or over the two years.
And then CONAVI is like 30, right? More or less. So 370 is like 1.2% of GDP per year in economic spillover from the Housing for Wellbeing program.
And we always talk about the goal of the Housing for Wellbeing program, which is 1.8 million new homes for people who earn less than two minimum wages or less than 2.9 minimum wages, because if someone who earns a little more than two minimum wages comes along, well, they are given the opportunity to access housing.
But in reality, put the first, the first slide of Edna. If we take into account everything we are doing, it is 1.8 million homes under construction that will be delivered to 1.8 million families.
We add the 1.8 million that are given as credit for housing improvement between FOVISE, Infonavit and CONAVI. Then, improvement of credit conditions, which has been the restructuring of debts, that has reached 5.1 million families.
We are going to deliver at least one million deeds and it will probably increase because we are simplifying all the procedures to title housing. And traditional credits, because credits are not only given to those who earn less than two minimum wages, but if a person has Infonavit and earns five minimum wages, well, they can also access their Infonavit credit.
Not to the Housing for Wellbeing program, but they can have their credit, that is, 12 million families are going to be benefited by the entire housing program in the six-year term, and it will mean close to 1.2% to 2% of annual GDP in investment and, of course, the jobs it generates.
If we consider that each home generates around four jobs and 600,000 homes have already been contracted, then that is 2.4 million jobs associated with what has been contracted and homes, many of which are already under construction.
So this program is excellent from any angle, but above all the most important thing, it gives access to what we consider a right, which is decent housing. Well, let's go to the questions. Let's go over here to see the colleague.
Good morning, President. Alberto Rivera from Chilango. Could you explain which are the entities with the highest number of housing constructions?
Do you have your little chart of states? Yes, go ahead.
Much of the progress of the housing program has responded to the possibility that state and municipal governments help us with land reserve. So we are doing very well in general in all entities.
In the case of this land reserve, I can tell you the top five places regarding this reserve, and they are Tabasco, Quintana Roo, Yucatán, Tamaulipas and Veracruz. That is where there is the greatest land contribution and where housing construction is advancing the most.
And there are other entities that, due to urban development conditions, have lower land costs, such as Baja California Sur and Mexico City. And even so we continue advancing.
This part corresponds to the entities with the greatest housing needs. In this case, originally we made a calculation of the goal for each entity based on housing deficit and housing needs, which are two very important variables.
However, this kept moving upward, as you can see in the Housing Wednesdays, in all entities the goal increased. In some cases it even doubled, precisely due to the land contribution.
There are entities like the ones I just mentioned that are very high, such as Tamaulipas and Yucatán, where in reality we will practically be covering a very high percentage of that housing deficit. Thank you very much.
Taking advantage of the fact that the federal attorney is also here, I would like to know that lately regarding Ticketmaster tickets, a series of charges are being made under the legend of service charges that help cover the holding of the events.
They say those are shared among the different parties involved in organizing the same events. They are not really charges that go from 50 to 60 pesos per ticket. Are these charges allowed, are they regulated in some way in the organization of the events?
