The study was born from the Mexican Federal Institute for Worker’s Housing (Infonavit) breach of its 2009 annual goal, due to a decrease in loan demand. The research was conducted in the city of Chihuahua, Mexico covering the period from 2008 to 2012. The objective was to determine the whys and wherefores tha0074 influenced the users in order to not apply for a housing acquisition credit. The initial data was: 1) the number of users who did not get Infonavit credit in 2010; 2) potential users, separated and quantified, if they met the requirements at the time; 3) the loans made during the years 2003 to 2012; 4) workers insured by the IMSS (Mexican Social Security Institute); 5) the Gross Domestic Product of Chihuahua’s state. It was concluded that the reasons that prevented users from thinking about buying a house were: unemployment, job insecurity, and low salary perception.
