Authorized by the Mexican Ministry of Economy · Federal Consumer Protection Law

Your home,
without a bank,
no excuses.

Mexican real estate self-financing with written adjudication guarantee. No credit bureau check, no income verification. We finance from $300,000 to $15,000,000 MXN.

Estimate your path
$2,000,000
$300,000$15,000,000
$200,000
$0$500,000
Guarantee Month 18
$5,094/mo
Months 1–18 · Promotional plan · CAT 6.0%
Guaranteed
All amounts in MXN. USD ≈ MXN ÷ 17.
Check if you qualify
No credit check · No income proof · CAT 6.0% · Life insurance included
6.0%
annual CAT
Real estate financing

Buy your property

Get a house, apartment, lot or commercial space with a clear plan and fixed monthly payment.

HouseApartmentLotCommercial
House — Buy
Target property
Contract adjudication
Plan progress
Optional down paymentActive goal
House under construction
Build by milestones
Capital tied to progress
Construction stages
FoundationStructureHandover
Upgrade your property
Before remodel
Before
Increase home value
After remodel
After
Projected transformation
RenewExpandModernize
16+
Years supporting Mexican families
Planea Tu Bien · Since 2009
180
Months max term
Prepay with no penalty
$15M
Up to $15M MXN financing
House, apt, lot or commercial
Authorized · Ministry of Economy
Contract registered for consumers
16+
Years operating
without interruption
$15M
Maximum financing
amount per plan
6.0%
Fixed annual
cost (CAT)
32
Mexican states
with coverage
Contract registered at RPCA
Adjudication guarantee written into your contract
No interest — operating costs only
Share the plan with partner or family
Authorized by the Mexican Ministry of Economy
House, apartment, land or commercial space
Contract registered at RPCA
Adjudication guarantee written into your contract
No interest — operating costs only
Share the plan with partner or family
Authorized by the Mexican Ministry of Economy
House, apartment, land or commercial space
Your journey to a Mexican home
4 steps from "is this for me?" to signed contract. You're on step 1.
1 · Welcome → 2 · Requirements → 3 · Calculator → 4 · Process
Not sure which of the 4 plans fits you?
8 questions, 2 minutes. We recommend one of the 4 plans based on your real situation — no personal data needed upfront.
Take the 2-minute quiz
Who is this for

Built for buyers banks turn away

Tanda Casa is structurally designed for people the Mexican banking system was not built around. If you see yourself in one of these, you have a real path.

Foreign residents in Mexico

You moved to Mexico recently — Riviera Maya, Yucatán, CDMX, Baja — and have no Mexican credit history. Local banks ask for years of buró before they will even quote you.

Tanda Casa never consults the Mexican credit bureau. Foreign passport plus Mexican residency is enough to start.
Mexican-Americans buying back home

You live in the US or Canada, earn in USD or CAD, and want to buy property in Mexico for family, retirement, or investment. Mexican banks ask for IMSS and a local payroll you do not have.

No IMSS, no INFONAVIT, no Mexican payroll. Foreign currency income works. Contracting fully remote.
Retirees & expats on fixed income

You are retired, drawing Social Security or a pension, and Mexican banks add age caps on mortgage terms or refuse to count foreign retirement income altogether.

No age cap. No active payroll required. The plan adapts to your timing — fast adjudication via APEX is an option.
Remote workers & freelancers

You work for foreign clients, your income lands in Wise, Payoneer, Deel or a foreign account. Mexican banks want recibos de nómina and 24 months of local statements you cannot show.

No pay stubs, no tax returns, no employer letters. Qualification is your ability to sustain monthly contributions in MXN.
No 20% down payment saved

You have steady cash flow and could handle the monthly, but you have not saved the 20-30% Mexican banks demand upfront. The down payment is the wall, not the payment.

The Traditional plan starts with no APEX (no down payment). You enter from month 1 and advance by points.
Buying a Mexican vacation home

You want a second home in Tulum, San Miguel, Puerto Vallarta or Mexico City. Cross-border bank mortgages for foreigners are rare, slow, and require US-based collateral.

Any property in any Mexican state. Coastal and border properties handled via standard fideicomiso (bank trust).
What you can finance

Three things you can finance with Tanda Casa

The same plan, the same regulation, the same CAT — applied to whatever stage you are at. Buy a finished home, build on your land, or remodel what you already own.

Path 01
Buy a finished home

House, apartment, land, or commercial space, anywhere in Mexico. You pick the property, we provide the financing. No closed catalog, no developer restrictions.

  • Any property type in any Mexican state
  • Used, new, or off-plan all valid
  • Coastal and border via fideicomiso
Path 02 · Most common
Build on your own land

You own a lot and want to build from scratch. Tanda Casa releases funds in stages tied to construction milestones, supervised by your architect or builder.

  • Funds released by construction stage
  • You choose the architect / builder
  • Includes materials and labor
Path 03
Remodel what you own

You already own the property and want to expand, modernize, or finish a remodel. Use the financing for a major renovation without taking on bank debt or refinancing your existing mortgage.

  • Kitchen, bath, second floor, expansion
  • No second-mortgage paperwork
  • Property stays in your name
Quick estimate

How much would your monthly payment be?

A 30-second preview using the Promotional Fixed plan. For all four plans, full amortization, and APEX scenarios side-by-side, open the full calculator.

$2,000,000
20%
Estimated monthly · pre-adjudication
$10,540
per month · Promotional Fixed plan
APEX 20% paid upfront. Adjudication estimated month 18 from completing APEX. CAT 6.0% annual. Plazo 180 months.
See full calculator with all 4 plans

All amounts in Mexican pesos (MXN). USD ≈ MXN ÷ 17.

Why Tanda Casa

Built for people the banks reject

If you live abroad, moved to Mexico recently, work remotely, earn in a foreign currency, or simply do not want to go through the Mexican banking system — Tanda Casa is designed structurally for your case.

01 / REGULATORY
Regulated by PROFECO, not CNBV

Tanda Casa is not a bank or SOFOM — it is a self-financing (autofinanciamiento) company regulated under Mexico's Federal Consumer Protection Law. Every plan is authorized by the Ministry of Economy. The adhesion contract is publicly registered and verifiable at rpca.profeco.gob.mx.

02 / ACCESSIBILITY
No credit check, no income proof

The model is a collective savings fund, not a bank loan. This means the qualification does not depend on your credit history or income verification — it depends on your ability to sustain monthly contributions. Foreign income, informal income, or no local history all work.

03 / TRANSPARENCY
6.0% CAT published upfront

Mexican bank mortgages have a CAT (annual total cost) of 12-16%. Tanda Casa is fixed at 6.0%. Every fee — administration, VAT, life insurance — is disclosed in the adhesion contract before you sign. A public calculator at tandacasa.com/mi-plan shows exact monthly amounts without requiring a consultation.

04 / CONTINUITY
16 years without restructuring

Tanda Casa is operated by Planea Tu Bien, S.A. de C.V., founded in 2009. Same corporate entity, same tax domicile in Mexico City, same regulatory framework. No mergers, acquisitions, or pivots. Continuity is the strongest operational signal in the Mexican self-financing sector.

The 4 plans

Pick the plan that fits where you are today

Two families — Traditional (no down payment required) and Promotional (APEX accelerates adjudication). Two payment shapes — Fixed and Step-up. Four combinations. All four share the same CAT, the same 180-month max term, and the same legal contract.

Traditional Fixed
No APEX required

Same monthly amount month 1 through month 180. Maximum predictability for buyers who value a flat number over speed.

~$5,930
per month
per $1,000,000 MXN financed
APEX: Optional
Adjudication: by point score (~mo 72)
Payment shape: Fixed flat 180 months
See details
Traditional Step-up
No APEX required

Lower starting payment that adjusts +2.5% every 6 months. Best for buyers with growing income who want to start light.

~$4,200
per month starting
per $1,000,000 MXN financed
APEX: Optional
Adjudication: by point score (~mo 72)
Payment shape: +2.5% every 6 months
See details
Most popular
Promotional Fixed
APEX from 20%

Fast adjudication path. Pay APEX 20% upfront, contribute ~$5K/M for ~18 months, then locked fixed payment for the rest.

~$5,000
per month pre-adj.
per $1,000,000 MXN financed
APEX: 20% minimum
Adjudication: Month 18 with APEX 20%
Payment shape: Fixed post-adjudication
See details
Promotional Step-up
APEX from 20%

Same fast adjudication, lower post-adjudication payment that adjusts +2.5% every 6 months. Optimized for growing income.

~$5,000
per month pre-adj.
per $1,000,000 MXN financed
APEX: 20% minimum
Adjudication: Month 18 with APEX 20%
Payment shape: +2.5% every 6 months after adj.
See details

Indicative monthly amounts per $1,000,000 MXN financed. Higher APEX (15%, 30%, 40%) shortens the adjudication month proportionally: 15% → mo 24, 30% → mo 12, 40% → mo 6 from completing APEX. Full breakdown in the calculator.

How we compare

Tanda Casa vs Mexican bank mortgage

Real numbers, side-by-side, no asterisks. Numbers below reflect typical Mexican bank mortgage offerings for foreigners and informal-income buyers.

Tanda Casa Pick this Mexican bank mortgage
Annual cost (CAT)6.0% fixed11% – 14%
Mexican credit bureau checkNever consultedRequired
Income proof (pay stubs, IMSS)Not requiredRequired, 12-24 months
Mandatory down paymentOptional (Traditional plans)10% – 30%
Foreigners eligibleYes, with valid passportLimited, slow, often refused
Maximum term180 months (15 years)240 – 360 months (20-30 years)
Adjudication guarantee in writingYes — exact month written into contractN/A
Early payoff penaltyNoneOften charged
Property type restrictionsAny property, any stateBank-approved appraisal required
Life insurance includedYes — built into the planAdd-on cost
RegulatorMinistry of Economy & PROFECOCNBV (banking regulator)
Full comparison →
16+
Years operatingPlanea Tu Bien · since 2009 · no restructuring
6.0%
Fixed annual CATversus 11-14% at Mexican banks
$15M
Maximum amountMXN · house, apartment, land, commercial
32
Mexican statesNational coverage · 100% remote service
Real cases

Buyers who already have their keys

Honest accounts from clients in three different situations. Real names anonymized, situations preserved.

I moved to Playa del Carmen from Toronto in 2021 and every Mexican bank I approached wanted three years of local credit before they would even quote me. I started a Promotional plan with 20% APEX in early 2023 and adjudicated my apartment financing right at month 18, just like the contract said. No surprises.

SM
Sarah M.
Canadian resident · Playa del Carmen · Promotional Fixed

I am a US citizen, my parents are from Guadalajara, and I wanted a place in San Miguel de Allende for retirement. Cross-border mortgage options were either non-existent or required US-based collateral. The Traditional plan let me start with zero APEX and a fixed payment in pesos. The whole signing was done online from California — I did not need to fly down.

DR
Daniel R.
Mexican-American · Austin, TX · Traditional Fixed

I am a freelance designer, my income comes in USD via Wise from clients all over Europe. Two Mexican banks asked for 24 months of recibos de nómina that I obviously do not have. With Tanda Casa, the only documents were my passport, my residency card, and proof of address. The Promotional plan let me put 30% APEX down and adjudicate in 12 months for my place in Roma Norte.

AK
Anya K.
German freelancer · Mexico City · Promotional Fixed

My wife and I are both retired, drawing Social Security and a small pension. Mexican banks added age caps that knocked our mortgage term down to 10 years and made the monthly impossible. We picked the Traditional Step-up plan, started low, and we will adjust as we go. No bank ever offered us anything close.

RT
Robert & Linda T.
US retirees · Lake Chapala · Traditional Step-up
How it works

From quote to keys, in 4 clear steps

The whole contracting flow is digital. The first three steps take a single sitting — usually 10 to 15 minutes — and they are the only paperwork you will sign before the property purchase itself.

01
Step 01
Design your plan

Use the calculator or talk to an advisor on WhatsApp. Pick the property amount, APEX %, and one of the four plans. You get an exact monthly amount before signing anything.

02
Step 02
Identity & signature

Upload your ID (INE or passport) and proof of address. Sign the 8-document kit once electronically — legally binding under Mexican law, equivalent to ink on paper.

03
Step 03
Pay inscription

First contribution by SPEI, card, or international transfer. You receive a CFDI (official Mexican tax invoice) for every contribution. Your contract is now active and registered.

04
Step 04
Your account

Access your client dashboard online to track points, contributions, anualidades, and the exact month of adjudication written into your contract.

Full process explained →
Explore in English

Learn more

How it works in 4 steps

The end-to-end digital process: design your plan, verify identity, sign the 8-document kit electronically, pay the inscription. 10-15 minutes.

See the process →
Requirements to join

3 documents we ask for, what we don't ask for (no credit check, no income proof), and migratory status options for foreigners.

Check eligibility →
Quote your plan

Self-service calculator. Slide the amount and APEX %, see the monthly payment, plan recommendation, and side-by-side vs a Mexican bank.

Run the numbers →
Buy a home without credit

How foreigners and locals with no Mexican credit history can finance a home purchase without the usual bank requirements.

Read more →
Mexican mortgage vs Tanda Casa

Side-by-side comparison: what Mexican banks ask for, what Tanda Casa asks for, and what a 15-year plan actually costs in each.

Compare →
About Tanda Casa

Company history, regulatory framework, team, tax domicile in Mexico City, and how to verify us independently.

Learn more →
Frequently asked

Questions from foreign buyers

Yes. Any person with a valid ID or passport and a verifiable address can contract a Tanda Casa plan, regardless of nationality. Foreigners with permanent or temporary Mexican residency are eligible, as well as Mexican citizens living abroad. The plan does not require Mexican credit history, IMSS, INFONAVIT, or formal income proof in Mexico. The only legal restriction is the constitutional rule that foreigners cannot directly own land within 100km of international borders or 50km of coastlines — in those zones, property is held through a standard bank trust (fideicomiso).
A Mexican bank mortgage is regulated by CNBV. It requires credit bureau consultation, formal income verification, IMSS or INFONAVIT, 10-30% down payment, and has a CAT of 12-16%. Tanda Casa is not a bank or SOFOM — it is self-financing regulated by PROFECO and the Ministry of Economy. A group contributes monthly and members are adjudicated by point system or optional down payment (APEX). No credit check, no income verification, CAT fixed at 6.0%. The trade-off is that funding depends on group adjudication mechanics rather than instant bank approval.
Yes. Tanda Casa is operated by Planea Tu Bien, S.A. de C.V. — a Mexican corporation founded in 2009 registered as a Mexican corporation in Mexico City. Every plan is pre-authorized by the Ministry of Economy. The adhesion contract is registered in the Public Registry at PROFECO and publicly verifiable. The company issues a CFDI (official tax invoice) for every contribution.
Yes. Many clients living in the United States or Canada use Tanda Casa to purchase property in Mexico — for family, retirement, or investment. You only need a valid ID (Mexican INE or passport if you are a Mexican citizen; passport and Mexican temporary/permanent residency if you are a foreigner). Monthly contributions can be made via international transfer or Mexican account. The entire contracting process is online — no need to travel to Mexico City to sign. Our advisors are available on WhatsApp if anything is unclear.
Costs depend on the plan and amount. For a $2,000,000 MXN property over 180 months (15 years): a typical Mexican bank mortgage at 12% CAT costs between $400,000 and $800,000 MXN more than Tanda Casa at 6.0% CAT over the life of the loan. Tanda Casa also eliminates the 10-30% bank down payment requirement. Exact figures are available in the public calculator at tandacasa.com/mi-plan.

Resources for foreign buyers

Tools, terminology and field guides built for people buying property in Mexico from abroad.

★ Master guide · 22 min read

The complete guide to buying property in Mexico for foreigners 2026

Everything in one place: restricted zone, fideicomiso, top destinations compared, buying process step-by-step, costs, financing, taxes, 15 most common mistakes. The definitive reference.

Read the complete guide →
Interactive tool

Mexican bank mortgage vs Tanda Casa

Side-by-side calculator. Enter any amount in MXN, see monthly payment, total cost over 15 years and what each plan requires upfront.

Try the calculator →
Field guide

Cost of buying a house in Mexico (2026)

ISAI by state, notario fees, fideicomiso for the restricted zone, and the friction points specific to foreign buyers. Plain numbers, no marketing.

Read the guide →
Field guide

Property tax in Mexico (predial) for foreigners

Annual property tax in Mexico is one-tenth of what you pay in the US — but it varies by state. Real 2026 rates, how foreigners pay it from abroad, discounts.

Read the guide →
Field guide

Notary vs notario — what foreign buyers need to know

The Mexican notario is not like a US notary public. Different training, different fees ($1,500-$3,000 USD), and they handle taxes + title. How to choose well.

Read the guide →
Field guide

Buying in the restricted zone — Tulum, Cancun, Cabo, Vallarta

All beach destinations require a fideicomiso for foreign buyers. Full mechanism, costs ($1,500-$3,000 USD + 60-120 days), and breakdown by destination.

Read the guide →
Field guide

Mexican RFC for foreigners — what it is, how to get one

The Mexican tax ID is required to buy property, open a bank account or sign a fideicomiso. It's free, but getting one without a Mexican address has tricks.

Read the guide →
City rankings

Best Mexican cities for expats and retirees 2026

Honest ranking of the top 10 destinations on cost, safety, healthcare, expat community and climate — without the influencer marketing.

Read the rankings →
Operations guide

Property management in Mexico (Airbnb + long-term)

If you don't live in your Mexican property full-time, you need a property manager. Costs (15-25% of revenue), how to vet, Airbnb vs long-term tradeoffs.

Read the guide →
City guide

Buying in Mexico City (CDMX) — no fideicomiso needed

CDMX is outside the restricted zone — foreigners can own directly. Simpler, cheaper, faster process. Best expat neighborhoods (Roma, Condesa, Polanco) with real prices.

Read the guide →
City guide

Buying in Mérida, Yucatán — Mexico's safest city

Best value-for-money among major foreign-buyer destinations. Top-rated safety in the Americas. ~5,000 expat residents. Best for: retirees prioritizing safety + affordability.

Read the guide →
Banking

Opening a Mexican bank account as a foreigner

The single biggest operational hurdle for expats. Which banks accept foreigners (HSBC, Citibanamex, BBVA top 3), required documents, RFC requirement, fees ($30-$60/mo typical). The 7 mistakes that block most foreigners.

Read the guide →
Rental management

Managing Mexican rental property from abroad: full guide

Property management costs (8-30% of rent), DIY vs hiring manager, tax obligations (ISR + IVA + lodging tax), insurance for absentee owners, common mistakes that break absentee investors.

Read the guide →
Residency

Mexican residency visa for retirees: Temporal vs Permanente 2026

2026 income requirements (rose 35-50% in 2024-25), application process at consulate, INM follow-up in Mexico, full cost breakdown, common mistakes. ~$500-$900 government fees per person.

Read the guide →
Cost of living

Cost of living: Mexico vs USA & Canada — the honest breakdown

Real 2026 numbers by category (housing, food, healthcare, transport) and city tier. Sample monthly budgets ($1,800/$3,000/$5,000 USD couple). What surprises foreigners about Mexican costs.

Read the guide →
Financing

Financing options for foreigners — the realistic picture

Mexican bank mortgages are rare and restrictive. The 5 realistic routes: cash, developer financing, US/Canadian HELOC, cross-border specialty lenders, Tanda Casa for residents. With actual rates and tax considerations.

Read the guide →
City guide

Buying property in Cancún & Riviera Maya

The Riviera Maya as a market: condo-driven, dollarized, hurricane-priced. Honest cost & rental yield math.

Read →
City guide

Buying property in Baja California Sur

La Paz, Loreto, Todos Santos compared. The water-scarcity reality. What Cabo doesn't offer.

Read →
City guide

Buying property in Lake Chapala & Ajijic

The largest expat retiree market in Mexico. NO fideicomiso required (interior). Climate, healthcare, costs.

Read →
Risk & protection

12 mistakes foreigners make — what they cost

12 specific mistakes, each with the dollar range typically lost. From ejido land to notario selection to pre-construction traps.

Read →
Risk & protection

Real estate scams targeting foreigners

The 8 most common scams aimed at foreign buyers in 2026. How each operates and the verification that defeats it.

Read →
Risk & protection

Due diligence checklist before signing

15 specific verifications to complete before signing. Print-ready. The cost of doing it vs not doing it.

Read →
Property type

Buying a condo in Mexico (legally different)

Condos operate under different law than single-family. HOA governance, special assessments, STR restrictions, transfer rights.

Read →
Exit strategy

Selling property in Mexico — capital gains

Mexican capital gains (ISR), deductions you can claim, fideicomiso transfer at sale, USD repatriation strategy.

Read →
Custom build

Building a house in Mexico as a foreigner

Process, costs ($800-$2,500 USD/m²), permitting timeline, contractor selection. Construction financing via Tanda Casa.

Read →
Process guide

How to buy property in Mexico — step by step

The operational walkthrough: 7 phases, 35 specific actions, realistic timing. From initial market research to keys-in-hand.

Read →
Risk & protection

Buying land in Mexico (ejido warning)

Why ejido land is Mexico's #1 foreign-buyer fraud. The verification that defeats it. Legitimate paths to land acquisition.

Read →
Estate planning

Inheritance of Mexican property for foreigners

Mexican wills, fideicomiso succession, US trust integration. $1,500 of planning saves heirs $20K-$80K in proceedings.

Read →
Cost analysis

True annual cost of owning Mexican property

Beyond purchase price: predial, HOA, fideicomiso, insurance, utilities, maintenance. Realistic 3-8% of property value/year.

Read →
Financial strategy

Currency hedging USD→MXN for property

60-120 day closing periods expose buyers to 5-12% FX moves. Forwards, FX services, multi-currency accounts compared.

Read →
Risk & protection

Title insurance in Mexico — when foreigners need it

Uncommon in Mexico but high-value for foreign buyers. $1,500-$5,000 cost vs $20K-$80K post-purchase litigation exposure.

Read →
Glossary · 6 terms

Mexican real estate terms, explained in English

APEX, adjudication, autofinanciamiento, PROFECO, fideicomiso and no-credit-check — the vocabulary you need before you talk to a Mexican advisor.

Browse glossary →

Verify us before anything else.

Our adhesion contract is publicly registered with the Mexican consumer protection agency (PROFECO). Here is everything you need to verify us independently — no email, no phone, no sales call required.

Legal entity   Planea Tu Bien, S.A. de C.V.
RFC (Mexican tax ID)   PTB091016283
Registry   PROFECO RPCA (rpca.profeco.gob.mx)
Operating since   2009 (16+ years)
Authorized by   Mexican Ministry of Economy

Head to rpca.profeco.gob.mx and search either by the RFC PTB091016283 or by company name Planea Tu Bien. The registry is a Mexican government site, served in Spanish — the search and the result page work the same once you paste either of the two values above.

Open the PROFECO registry (Spanish) More about our registration