Home financing in Mexico

Buy a home in Mexico without a credit check or income proof.

TandaCasa is a regulated Mexican alternative to bank mortgages. Built for foreigners, retirees, remote workers, and anyone whose credit profile does not fit the Mexican banking system. From $300,000 to $15,000,000 MXN. CAT 6.0% annually. Operating since 2009.

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What TandaCasa does NOT require
✕
Mexican credit bureau history
Even if you have none at all
✕
IMSS or INFONAVIT
Foreign or informal income OK
✕
Mandatory down payment
Traditional plan starts from zero
✓
Regulated by PROFECO
Contract registered at RPCA
16+
Years operating
without interruption
$15M
Maximum financing
amount per plan
6.0%
Fixed annual
cost (CAT)
32
Mexican states
with coverage
Why TandaCasa

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 — TandaCasa is designed structurally for your case.

01 / REGULATORY
Regulated by PROFECO, not CNBV

TandaCasa 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%. TandaCasa 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

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

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Buy a home without credit

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

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Mexican mortgage vs TandaCasa

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

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About TandaCasa

Company history, regulatory framework, team, office address in Polanco (Mexico City), and how to verify us independently.

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Frequently asked

Questions from foreign buyers

Yes. Any person with a valid ID or passport and a verifiable address can contract a TandaCasa 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%. TandaCasa 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. TandaCasa 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 TandaCasa 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 can be done via WhatsApp or video call — no need to travel to Mexico City to sign.
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 TandaCasa at 6.0% CAT over the life of the loan. TandaCasa also eliminates the 10-30% bank down payment requirement. Exact figures are available in the public calculator at tandacasa.com/mi-plan.

The first step is verifying us.

Before any sales conversation, ask us for the RPCA contract registration number. We will send it to you on WhatsApp so you can verify us at profeco.gob.mx yourself.

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