Choose the right legal structure
For a foreign individual purchasing residential property in the restricted zone, the usual route is a bank trust (fideicomiso) with SRE permission. The zone extends 50 km from beaches and 100 km from borders. This is not direct ownership: a bank acts as trustee and the beneficiary holds the rights set out in the trust agreement.
Source: SRE · Fideicomisos en zona restringida ↗Read the term and conditions
Mexico’s Foreign Investment Law provides a maximum term of 50 years, renewable upon application. Ask the bank and notary to explain fees, substitute beneficiaries, transfer of rights and renewal procedures before signing. Do not assume that all agreements are identical.
Source: Ley de Inversión Extranjera · arts. 11–13 ↗Documents before commitments
Request the title deed, the seller’s identity and authority, registry information and any liens. Also review outstanding charges, condominium documents, permitted use and physical condition. For pre-construction, add permits, specifications, delivery terms and remedies for non-performance. Photography and sales promises are not substitutes for due diligence.
Source: PROFECO · Derechos al comprar un inmueble ↗A practical path forward
Define whether you will live, vacation or rent; set an all-in budget; compare properties; arrange independent legal and technical reviews; negotiate in writing; and coordinate signing, registration and handover with the relevant professionals. Before paying a reservation deposit, document refund conditions and verify the payee.
When buying from abroad
Prepare identification and documents requested by the bank and notary. Ask whether translations, apostilles or a power of attorney are needed for your case. Agree on payment currency and method. Consult tax advisers about obligations in Mexico and your country of residence; this guide does not determine your individual tax position.
