Financing options tailored to you
Learn all the ways to finance your real estate purchase in the Riviera Maya. From mortgages to direct developer plans.
4 ways to finance your property
Mortgage
Traditional bank financing for 10-20 years. Rates from 9.5% annual in MXN. Requires income verification and good credit history. Ideal for salaried employees or those with provable income.
- Down payment: 10-20% of value
- Term: 10, 15 or 20 years
- Rate: from 9.5% annual
- Only properties with title deeds
Cash Payment
The simplest option with the best discounts. Many developers offer 5-15% discount on list price for cash payment. No interest, no bank paperwork.
- Discount: 5-15% off list price
- No bank paperwork
- Faster process
- Better negotiating power
Developer Financing
Many developers offer direct payment plans during construction. Generally at 0% interest. You pay the down payment and the rest in monthly installments until delivery.
- Down payment: 10-30% of value
- Monthly payments at 0% interest
- Term: 12-36 months
- Only in pre-sale/construction
Bridge Loan / SOFOM
Non-bank financial institutions (SOFOM) offering loans with more flexible requirements. Ideal for freelancers, entrepreneurs or foreigners. Higher rates than bank mortgages.
- More flexible requirements
- No payroll verification
- Rate: from 12% annual
- Available for foreigners
Options comparison
| Method | Down payment | Rate | Term | Ideal for |
|---|---|---|---|---|
| Mortgage | 10-20% | 9.5-14% | 10-20 years | Salaried with good credit |
| Cash | 100% | 0% | Immediate | Investors with liquidity |
| Developer | 10-30% | 0% | 12-36 months | Pre-sale purchase |
| SOFOM | 20-30% | 12-18% | 5-15 years | Freelancers, foreigners |
Not sure which option is right for you?
Our advisors help you find the ideal plan for your buyer profile. No cost, no commitment.
Schedule free consultation