Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:00and we practically removed all
00:00:03the requirements to obtain a loan, for
00:00:06example there was one that I particularly disliked
00:00:10because it was the credit bureau, if
00:00:13someone, some right-holder, arrived at Infonavit and requested a
00:00:17loan, Infonavit would go to the credit bureau to see
00:00:21if the right-holder had paid the installment of the
00:00:24Italika motorcycle they had bought,
00:00:27and if they had not paid on time, they
00:00:30would be marked and the loan amount
00:00:34would be reduced. The same happened with phone bills, with
00:00:37products sold by
00:00:40public school. With individuals. Infonavit had we make calls for almost become an
00:00:45week, due to instrument of private companies to collect. That
00:00:48was one of the ones we removed
00:00:50but even within immediately. Why are we going to infringe on the right of beneficiaries
00:00:54to housing?
00:00:58The beneficiary has the right to a house, but not to a
00:01:01motorcycle. So we removed that, just as we removed
00:01:0529 more, and today there are only
00:01:08three. They are not requirements,
00:01:12they are conditions: being a beneficiary,
00:01:15having contributed for 6 months,
00:01:18and not
00:01:21owning a home. And with these requirements, today a young person of
00:01:2518 years, or any beneficiary,
00:01:29can come to Fonabit, identify
00:01:33themselves, and be given an amount, because the loan
00:01:36amount was also increased. Before, it was not enough. They were given a
00:01:40sufficient loan amount,
00:01:42equal to the cost of housing, which was
00:01:46another great
00:01:49irresponsibility in achievement of the president, because
00:01:52the idea was that housing should be
00:01:56accessible to these people who earn less.
00:01:59And so the average loan amount
00:02:03for beneficiaries
00:02:05earning between one and
00:02:082.9 minimum wages is around 650,000
00:02:12pesos on average,
00:02:16and we are delivering
00:02:18these houses to beneficiaries for
00:02:21627 pesos.
00:02:24So, the loan amount that an
00:02:29teachers for help, while the average 18-year-old receives, but also a 50-year-old, is of that
00:02:33magnitude, and it is perfectly enough for them to acquire
00:02:36housing.
00:02:43Now that they have been saying, because
00:02:45there are
00:02:49to what critics that I laughed at what Anabel
00:02:51Hernández said. This is how it
00:02:54is: let's see what we invent this week.
00:02:58No, this past week, that the INE is not autonomous, no, no,
00:03:02well, the INE was not touched,
00:03:04privileged the interests of but now they criticize the INE.
00:03:06Well, that's this week's. Let's see what other
00:03:10one they come up with. So, these
00:03:13weeks it came out or has
00:03:16come out that there is a lot of
00:03:19overdue portfolio at Infonavit, as
00:03:22Octavio already explained, there is less overdue portfolio than
00:03:25before, but that overdue portfolio had to
00:03:29do with the type of houses that were built and the type
00:03:32of loans that were given in the past. So
00:03:36the type of houses were houses of 40 m2
00:03:40located far from
00:03:43the urban area. I know a case, for
00:03:47example, of a young man who acquired an Infonavit
00:03:52you need help, call the life loan. He lives in Tlalpan, that's why I know him. I was
00:03:55we maintain the a delegate of Tlalpan, and they
00:03:58gave him a house in...
00:04:02tiny. So in the end, he
00:04:05was able to say in time, "No, I don't want the loan," and he did
00:04:09not take it. But many people with the idea that, well, maybe
00:04:13someday I'll go live there. In the end,
00:04:16it's too far for them, they don't have the way to access it, but also it was not in the
00:04:20city of Querétaro to be able to change jobs, but in a
00:04:24place very far from the urban area,
00:04:27many times without services.
00:04:31We are still working on the issue of abandoned
00:04:35purchases, speaking of homes. But even so, it has decreased, even with the
00:04:39decrease in loans, people are paying,
00:04:43because before they would say, "Why should I pay if I'm never going to finish paying the
00:04:46loan?" And now that they have been reduced,
00:04:49they are paying. But there is something more
00:04:52important: it is deducted from their
00:04:55paycheck,
00:04:58the loan.
00:05:00That's how Infonavit is built, that's the vision, that's the
00:05:04design. If you
00:05:07after a BYD work in a place where you affiliate with Infonavit and acquire
00:05:11a loan for a home,
00:05:13for well-being or another type of loan,
00:05:17from your own paycheck, from your own payroll, it will be
00:05:20deducted according to the loan you
00:05:24requested. In this case, they are paying
00:05:27monthly 1, 2 pesos
00:05:30of the 9,500, a little over
00:05:329,500 pesos that a person earning the
00:05:36minimum wage has, for example. So they have to pay for the next
00:05:3915 years monthly 1,500,
00:05:422,000, which is something that is
00:05:45accessible for them. But also it is deducted.
00:05:49Suppose they no longer have a job, they are given
00:05:52time to find a new job to be able to pay again.
00:05:56These loans have insurance, and if it's a
00:06:00young person, they will most likely find another job
00:06:03very soon, and in the other job where they have Infonavit, it will
00:06:07continue to be deducted. So all this idea of
00:06:11putting limitations and limitations and
00:06:14limitations, what ended up happening is that very few people
00:06:18had access, and the loans were also designed so that they could
00:06:22never be paid. So the whole new design,
00:06:26it's even very nice to listen to people,
00:06:29because if you have a video there, Octavio, of those we have
00:06:33seen in the deliveries where the testimonials say
00:06:37that Infonavit changed because now they treat
00:06:41me well. I go to the offices and they treat me
00:06:44well, they explain to me, I quickly access the
00:06:48loan, for me it's incredible, I thought it would never
00:06:51happen. Very, very nice
00:06:54stories, and the way we are doing it makes
00:06:58sense, there is no
00:07:01the way the loans are being given, but rather the opposite,
00:07:04to recover the origin of what Infonavit was, which is
00:07:08to give housing to workers, not a loan
00:07:12that is payable and a house that they could never live
00:07:15in. Thank you very much, President.
00:07:19Well, let's go this way.
00:07:20Let's see
00:07:24the colleague.
00:07:29Good morning, President Jareta Arciniega from Revista
00:07:32Fortuna. Madam President, regarding this same topic, in Revista
00:07:36Fortuna we also realized a phenomenon that
00:07:39my generation experiences,
00:07:42which is that many,
00:07:46many young people could not access housing, they had no other
00:07:49way to access housing than by waiting for a
00:07:53loved one to pass away and inherit these
00:07:57houses, whether it was their parents or their grandparents. What
00:08:01does it mean to you that now a public
00:08:04policy gives access to more
00:08:07than millions of young people
00:08:10when the neoliberal
00:08:13model real
00:08:17estate companies?
00:08:19Well, it's about accessing a
00:08:22right. That was the constitutional change
00:08:25we made and also the change in the housing
00:08:28law. Throughout the neoliberal
00:08:31period, rights were converted into
00:08:35privileges, education, access to
00:08:38health. Now that I went to Yucatán, people are happy
00:08:42because they no longer pay, because before they used to pay to a health
00:08:46center. All the cash registers in health
00:08:49centers and hospitals disappeared, and little
00:08:52by little they are functioning better, in addition to the
00:08:55Lorán Hospital, the Lorán that is already
00:08:58functioning. But we
00:09:01recovered the essence that there are
00:09:04people's rights. What does right mean?
00:09:08That we all have the right to well-being.
00:09:12And what is well-being? Well, it's having the
00:09:15essential
00:09:17things to be able to develop. What is essential?
00:09:21Well, if you live in a city, because it's different from living
00:09:25in the countryside, that your children can
00:09:28be educated
00:09:30accessibly, free, from primary to
00:09:33university, as a right, that they
00:09:37can access if you get sick to
00:09:41a health center, to a hospital for
00:09:44free, that you can access housing
00:09:47loans with all the
00:09:51services, that you have a
00:09:55healthy diet, that you can access a healthy
00:09:58diet,
00:10:00the minimum essential things that allow you
00:10:03well-being,
00:10:06because sometimes we talk about freedom, but if there is no well-being,
00:10:10it is difficult to access all... freedoms.
00:10:12libertades,
00:10:15So we consider housing, education, health,
00:10:18a right of the people of Mexico, the pension, senior
00:10:21citizen, a right of the people of Mexico. And
00:10:25we are advancing in accessing these rights, contrary to what happened
00:10:29before. For a young person,
00:10:32accessing a home was
00:10:35almost impossible. Homes of 4,
00:10:385, 6 million pesos with salaries of one
00:10:42minimum wage, two minimum wages, and also the minimum
00:10:45wage was 2,500 pesos per month.
00:10:48Well, when? Impossible.
00:10:52So the rent for what you can afford is for
00:10:55a rent of 500 pesos in a room where the whole
00:10:59family lives. And that well-being is
00:11:02dignity too.
00:11:05So it's very nice to see how young people,
00:11:09young people
00:11:12of 19, 20, 22 years old, or young people who already
00:11:15have their family,
00:11:18even if only one works or two work or only the woman works, we have
00:11:22seen families where... where he has a disability
00:11:26problem, she supports the
00:11:29family. I saw a case of a woman who
00:11:33works in a pharmacy, she, she works in the
00:11:37pharmacy, and for the first time their
00:11:40lives are illuminated because they can have access to
00:11:43their own home.
00:11:47So it's very
00:11:49beautiful what happens with families,
00:11:53and it's that, accessing a... right to well-being, to
00:11:56happiness, which is ultimately the ultimate
00:11:59goal of a government, the happiness of the people.
00:12:02Why is this important for the growth and development of a country,
00:12:06Madam President? Now they also have the chant that
00:12:10growth, growth, growth, growth, that's fine,
00:12:14well, eh, there is also a whole
00:12:18debate on growth and the environmental
00:12:21impacts of growth, there is a whole current of thought,
00:12:25hm, that talks about how growth is not
00:12:29necessarily something we should continue to pursue. Well, the
00:12:32rector of UNAM has a book, an article on
00:12:36that, on growth and really if
00:12:40growth is
00:12:43the indicator and all those who work on the environmental
00:12:46footprint say that growth, that we cannot
00:12:50continue to grow because the environmental impact will be very large,
00:12:54but well, eh, beyond the
00:12:58fact that we should have greater
00:13:01growth, let's suppose that we agree on that,
00:13:05the problem is not only growth but also the distribution of
00:13:08wealth.
00:13:11During the period of President López Obrador, the GDP
00:13:14grew at 0 point
00:13:161%,
00:13:19because among other things, because there was
00:13:22a year where... or because of the
00:13:26pandemic, then due to the
00:13:30measures that had to be taken for isolation,
00:13:33then production stopped and therefore the GDP fell by about
00:13:378%.
00:13:39So if you take the average, it's about 1%, 1 and
00:13:43a bit percent, and yet 13.5
00:13:47million families escaped poverty,
00:13:50unlike in other periods where it has grown more, it did not decrease.
00:13:54And also inequality decreased,
00:13:58inequalities decreased.
00:14:01What happened? Wealth was
00:14:03distributed
00:14:05through at least three mechanisms.
00:14:08One, the salary.
00:14:12By increasing the salary, wealth is
00:14:14distributed,
00:14:16because if the same is produced and everything stays
00:14:20in a few hands and is not distributed to the workers,
00:14:24then there is no distribution. The salary is one
00:14:28of the factors of wealth distribution.
00:14:30So the salary increase
00:14:33distributes. Welfare programs distribute
00:14:37wealth,
00:14:39as do public works because employment is generated,
00:14:43and private investment also obviously generates
00:14:46employment, but it is well-paid employment.
00:14:50So what happened, why did poverty decrease? Well,
00:14:53because there was more distribution. So it is not only
00:14:56growth, we must talk about development.
00:15:00So for a family to have a
00:15:04home and also generate employment
00:15:06and development in a certain
00:15:10area, well, obviously,
00:15:13it helps the whole country. Thank you very much, Madam President.
00:15:16Last week, precisely on this topic, the issue of the
00:15:20OECD's statements was also discussed, and we
00:15:24would like to highlight this statement that was made in the video we
00:15:27saw right here, that sometimes not falling
00:15:30when the wind is against you is also a
00:15:34great achievement. Without a doubt, what that
00:15:38message left us with is that something is being done
00:15:42well, Madam President. In
00:15:45economics, we would like to ask, will we have a
00:15:49diagnosis similar to the one we had with the PISA
00:15:53test, eh, when we see that we are not
00:15:56falling, that Mexico is resisting
00:16:00these geopolitical pressures, and that while other countries
00:16:03offer their sovereignty, in
00:16:05Mexico, well, this economic package that was presented
00:16:09a few days ago, it shields and
00:16:12strengthens it.
00:16:17The PISA test, in addition to what
00:16:19I maintain, we do not agree with the PISA test,
00:16:23because of how it is applied,
00:16:28the PISA test they recognize
00:16:32strengths of education in Mexico that are not recognized in
00:16:35other countries.
00:16:37We mentioned it the other day very
00:16:40quickly:
00:16:47reduction of educational
00:16:48inequalities.
00:16:51Between 2015 and 2025, the number of 15-year-old
00:16:55eligible students to take the PISA test
00:16:58increased, meaning more students at that
00:17:01educational level. In science, the gap between
00:17:05favored and disadvantaged students
00:17:07is smaller. In Mexico,
00:17:11education, as Morelos dreamed, public
00:17:14education is equal for the landowner and for the
00:17:18peasant. It's not that we are against private
00:17:22education, it's good that it exists and that
00:17:25there are people who can send their children to a private school,
00:17:29that's very good, but our obligation is that public
00:17:33school be the best and it already is.
00:17:38Even better than private schools,
00:17:41and many will be writing right now,
00:17:43I maintain it, and also the
00:17:47test says it, Mario showed it to me the other day, that
00:17:51the best qualified schools were
00:17:53public.
00:17:58Well,
00:18:00go ahead.
00:18:0382% ask their
00:18:07is 77%. 86% turn to
00:18:11their peers for help, when the
00:18:14average is 82%.
00:18:16Go ahead. In
00:18:19science, there is greater interest in
00:18:22learning. Look, 81% in Mexico,
00:18:2569% the OECD average. The teacher
00:18:29continues teaching until the students
00:18:32understand,
00:18:3477% compared to 66%. The
00:18:37teacher provides additional help when students need it,
00:18:4182% compared to 73%.
00:18:45These are great strengths of public education,
00:18:48of education in Mexico, very, very great.
00:18:52So
00:18:54eh, and there is always room for improvement,
00:18:57always, but eh, this
00:19:01is not taken into account by those who are only looking to find
00:19:05how to attack. How bad
00:19:08they are. Stop so much negative thinking,
00:19:12start being a little more positive.
00:19:16Well, all
00:19:19this, I repeat,
00:19:22the new rights generate greater
00:19:26well-being. What happens in the
00:19:29economy? Well,
00:19:33model for the good of all, first the
00:19:36poor. Or shared prosperity, because there is no
00:19:40prosperity if it is not shared, and that
00:19:43strengthens us. And we also decided to invest
00:19:47in infrastructure
00:19:50through different mechanisms. So
00:19:54that automotive
00:19:57production has fallen a bit is true, a product of
00:20:00US tariffs,
00:20:04and not only tariffs but also
00:20:07a drop in demand in the United States for car
00:20:13vehicle exports. Tariffs on
00:20:16steel have also affected
00:20:18it, and its derivatives have also been
00:20:22affected. What we decided
00:20:25was to continue talking with the United States
00:20:29to seek a better condition, and also jobs and
00:20:33exports in other areas such as
00:20:37electronics have increased.
00:20:39So there has been a trade-off, but we decided
00:20:42to strongly promote construction, and one of them is housing construction. Let's see if you can put
00:20:46the growth of construction that came out I think yesterday or
00:20:50the day before that drives the secondary
00:20:54sector.
00:21:04private and public schools in Mexico before and
00:21:07after controlling for the effect of socioeconomic
00:21:11level, meaning if the socioeconomic
00:21:14situation of
00:21:17families is not taken into
00:21:20account, without adjustment for socioeconomic level, the
00:21:23private school has
00:21:26400, it is slightly higher than the
00:21:30the adjustment for socioeconomic level, the
00:21:34private school has a lower score than the
00:21:36public school.
00:21:40That is Mexico, those are the teachers
00:21:43that were so
00:21:47criticized during the neoliberal period.
00:21:50Well, they made films to justify the education
00:21:54reform, they dedicated themselves to
00:21:58running a campaign against the
00:22:00teaching profession,
00:22:04and if public schools are good, it is thanks to the national
00:22:07teaching profession.
00:22:10Let's see, put the INEGI data, let's see if you
00:22:12have it, but we will close
00:22:16the year better, and next year, the first semester of 2027 will
00:22:20be even better. What is missing, Madam President, for analysts
00:22:24to recognize that the answer
00:22:28is in the domestic market?
00:22:32No, well, convincing two or three will be very
00:22:35difficult, frankly. They have a
00:22:38vision, that's how they
00:22:39were formed,
00:22:43so there is no way for them to deviate from their
00:22:45scheme, and also they have a
00:22:49goal, like the goal of many media outlets
00:22:53in Mexico, which is to be
00:22:56propaganda for the right. They are not
00:22:59information media, they are
00:23:00propaganda media.
00:23:05Those are
00:23:07eh, because you just have to look at the eight columns every day, something very
00:23:11important happens in the country, that doesn't come out. Ah,
00:23:14but this, distorting reality in a way
00:23:18that fits their... propaganda, that
00:23:21yes. In fact, right now I'm going to ask Octavio to clarify
00:23:25his asset
00:23:27declaration,
00:23:29because they
00:23:32seek
00:23:34to distort everything and adapt it
00:23:39they want,
00:23:42to make political propaganda for the
00:23:45right. Many media are like that, and the
00:23:48commentators go along with it.
00:23:51But also, as I repeat, they have a chat
00:23:55where they discuss what everyone will
00:23:58say this week. This week, the
00:24:02INE, the INE is not an
00:24:05institution that guarantees
00:24:08clean elections. Now that's the chant they have now.
00:24:12No, before the INE was not touched, and now no,
00:24:16well, the INE is very bad. It was only good when
00:24:19Lorenzo Córdoba was in charge. Now
00:24:21no.
00:24:24Eh, credible, or when, what's his name,
00:24:27the one who committed fraud in 2006,
00:24:29Ugalde.
00:24:32Now Ugalde is the defender of
00:24:35democracy, the one who was in charge of the INE during the
00:24:39electoral fraud of
00:24:402006.
00:24:44So, it will be difficult to change
00:24:48the perspective
00:24:50of many analysts, because they have a
00:24:52goal:
00:24:55to return to the past, that is their goal, to return to the
00:24:59past of corruption and privileges. That is the
00:25:03goal. And what do we do? We spread,
00:25:06we talk, why am I going to give an account to
00:25:10all entities? Well, so that what we are doing in all
00:25:14federal entities is heard,
00:25:16because if it's only through social networks or through the
00:25:20media, they will hardly find
00:25:23out, although there is also a lot of
00:25:25diverse information on networks,
00:25:29although
00:25:31sometimes there are also campaigns, as we have
00:25:35discussed here. So that people have the
00:25:37different perspectives.
00:25:39Always,
00:25:43Madam President, this weekend, taking
00:25:47advantage of the presence of the head of Profeco, this
00:25:50week, this weekend, a regrettable
00:25:53event occurred: two people lost their lives
00:25:57car, which is a
00:26:00brand, caught fire after a collision with
00:26:03another car. The occupant lost
00:26:07their life, Madam President. Taking advantage of the
00:26:10Profeco's presence in Revista Fortuna, we would like to ask you how the
00:26:14Attorney's Office is observing the regrettable event and if these
00:26:18cars will be recalled. In the
00:26:38thank you, with your permission, Madam President. review
00:26:42constantly, at least three recalls a
00:26:47two ways: first, the provider itself
00:26:51requests our support because in the studies they
00:26:54conduct daily on their models,
00:26:57they discover a generalized fault, and
00:27:00second, from studies that we have or that other
00:27:04institutions share with us, we make these calls for review. In this particular
00:27:08case, since there
00:27:10is a loss of life
00:27:14and there is an investigation file, as soon as the corresponding
00:27:18authority requests us to make a statement, we will
00:27:21analyze and check if we have any recall on these particular
00:27:25models to see what
00:27:35Well, as the president pointed out last
00:27:39week, I was subjected
00:27:42to this smear campaign by some media
00:27:46outlets, particularly
00:27:49Reforma, Proyecto Reforma, El Universal, and TV
00:27:53Azteca, who didn't like something about
00:27:56this government and are looking
00:28:00for and launched a campaign.
00:28:02The first saying that the director of Infonavit
00:28:06earned more than the president of the republic,
00:28:10it's so easy for a journalist, for any of you
00:28:13in these governments of the fourth
00:28:16transformation, to verify, because everything
00:28:19is published on the federal government
00:28:22pages. I have a salary equivalent to a
00:28:26sub-secretary of state, that can be
00:28:29verified without any problem, and the president's
00:28:33salary is also published, something that was
00:28:37not done in the neoliberal era. In these
00:28:394T governments, everything is published, it was so
00:28:43simple,
00:28:46but they invented, they felt like
00:28:48saying that the director of Infonavit
00:28:52earned more than the president. Well, it's clear
00:28:55now. Yesterday I made a
00:28:58denial
00:29:00in the sense that my salary is
00:29:02that I am Maines, Jorge Maines and I believe in Mexico,
00:29:06that's why I travel Mexico from north to south, from the Gulf of Mexico to the Sea of
00:29:10Cortés, creo en el México joven, en el México
00:29:13sabio, en el México que tiene memoria y el México que
00:29:17the streets, the squares, the
00:29:21markets and the universities of Mexico, because with you a
00:29:25new Mexico is possible, it's time to
00:29:28believe.
00:29:31Citizen Movement.
00:29:34Crystal breaks your
00:29:35body,
00:29:38destroys your mind, pushes you away, shatters your
00:29:42family,
00:29:45crystal breaks your
00:29:47life,
00:29:50choose to be happy, if
00:29:54line
00:29:55800-911
00:29:59government of Mexico.
00:30:0242 years ago, other
00:30:06lands I acquired in
00:30:091992,
00:30:1234
00:30:13years ago,
00:30:17so these in their criticism,
00:30:21in their perverse campaign
00:30:22uh,
00:30:25they treat it as if I had acquired them yesterday,
00:30:28as if it had been a month ago.
00:30:32When they are 42
00:30:35and 34 years since I acquired them, I wasn't even in public
00:30:38service, I was dedicated
00:30:42to private
00:30:45activities, they also refer to a
00:30:48house in Tlalpan that
00:30:52I acquired 25
00:30:55years ago with a loan from
00:30:58Banamex.