The 4 steps

The whole flow is fully online

A single progress bar with four stops. You can pause at any step and resume later — nothing is committed until the very last action of step 3.

01

Step 1

Your plan

You decide the shape of your plan. This is the only step that asks you to make product decisions — the rest is administrative. Everything you choose here flows into the inscription amount shown at the top of the screen, so you see the number update as you change parameters.

What you want to finance. Buy a finished property, build on your own land, or remodel something you already own.
Amount. Between $300,000 and $15,000,000 MXN per contract.
Plan family. Traditional (no down payment required) or Promotional (APEX accelerates adjudication).
Payment shape. Fixed (flat monthly) or Step-up (lower start, +2.5% every 6 months).
APEX percentage. Optional upfront contribution. 0%, 15%, 20%, 30%, or 40% — higher APEX means faster adjudication.
When monthly payments start. This month or next month, your choice.
Annual contribution preference. Optional 1% × amount each December, up to 15 times. Each one reduces your monthly payment.

Not sure which plan fits? Open the full calculator in another tab. All four plans, side-by-side, with full amortization. Come back to the app when the numbers feel right.

02

Step 2

Identity & signature

This is the longest step — usually 7 to 10 minutes. You upload your documents, fill in personal data, read the contractual kit, and sign once electronically. The signature is timestamped using NOM-151, the Mexican certified electronic-signature standard, and one signature applies to the full 8-document kit.

Government ID. INE (Mexican ID), front and back — or passport if you are a foreigner.
Proof of address. Utility bill (CFE, water, internet) or bank statement, no older than 3 months.
Personal data. Full name, CURP if you have one (RFC optional), domicile, spouse data if applicable.
Beneficiaries. 1 to 4 people, with percentages that add up to 100%.
Three personal references. People who can confirm they know you. Not income references.
Read the 8-document contractual kit. Reading time roughly 10 minutes. Each document is displayed inline — nothing to download or print.
Sign once electronically. One signature, sealed with a NOM-151 timestamp, applies to all 8 documents simultaneously.

NOM-151 is the Mexican certified standard for electronic signatures with a trusted timestamp. It is the same standard used by Mexican banks, notaries, and government services. Your signature is legally binding and time-anchored from the moment you click Sign.

03

Step 3

Pay the inscription

The inscription is a one-time enrollment fee that confirms your spot in the group. The exact amount was already displayed at the top of step 1 — no surprise here. Payment is taken directly inside the app.

SPEI bank transfer. Most common. Instant clearing inside Mexico, low fee, works from any Mexican bank account.
Credit or debit card. Useful if you are paying from abroad or do not yet have a Mexican bank account.
CFDI invoice. An official Mexican tax invoice (CFDI) is issued automatically for every payment, including this one.

Inscription is not APEX, and not your first monthly payment. Those are three different things, paid separately. See the next section for the full breakdown so you do not confuse them.

04

Step 4

Your account

The moment the inscription clears, your client portal goes live. Same login you just used — same email, same password. From here, you no longer need an advisor for routine tasks.

Plan summary. Amount, plan family, APEX, monthly payment, the adjudication month written into your contract.
Payment history. Every contribution, every CFDI, every status update in one timeline.
Signed documents. All 8 documents from your kit, with the NOM-151 timestamp, downloadable any time.
Score and adjudication tracker. Your point accumulation toward adjudication if you are on a Traditional plan.

Onboarding is done. The advisor handoff happens here too — from this point on, the operations team takes over for ongoing service. The advisor stays available if you want to add a second contract or refer someone.

Don't confuse these

The three fees you'll see — and what each one means

This is the single most common source of confusion in self-financing. They are three different fees, paid at three different moments, for three different reasons. Read once, never mix them up again.

Fee 01

Inscription

What it is. A one-time enrollment fee. The fee that confirms your spot in the group.

When you pay. Once, inside step 3 of the app, by SPEI or card. Never charged again.

Why it exists. It funds the administrative work of placing you in the group, registering your contract with PROFECO, and activating your client portal. It is not your first monthly payment, and it is not APEX.

Fee 02

APEX

What it is. An optional upfront contribution. The closest concept to a down payment.

When you pay. Configured in step 1 (0%, 15%, 20%, 30%, or 40%). Required on the Promotional plans, optional on the Traditional plans. Paid by separate SPEI transfer after enrollment is complete.

Why it exists. Higher APEX reduces the amount you finance, lowers your monthly payment, and speeds up the adjudication month written into your contract.

Fee 03

Monthly payments

What it is. Your recurring contribution — the number on every Tanda Casa quote.

When you pay. Starting the month you chose in step 1 (this month or next). By direct debit (recommended) or SPEI. Every payment generates a CFDI tax invoice.

Why it exists. Monthly contributions are how the collective fund builds the capital that adjudicates everyone in the group. It is the core mechanic of the plan.

After step 4

What happens between today and your keys

The 4 steps end inside the app. What follows is a 15-year calendar driven by two markers: when monthly payments begin, and the adjudication month written into your contract.

Month 1

Monthly payments begin

Your first contribution lands the month you chose in step 1. You get a CFDI invoice for each one. If you set up direct debit, this is fully automatic from here on.

Months 1 to 18 (or 6, 12, 24, 72)

You contribute toward your adjudication

The contribution window depends on the APEX percentage you chose, and the maturation period runs from the month you complete APEX, not from contract start:

40% APEX → adjudication 6 months after completing APEX
30% APEX → adjudication 12 months after completing APEX
20% APEX → adjudication 18 months after completing APEX
15% APEX → adjudication 24 months after completing APEX
0% APEX → adjudication by point score, typically around month 72

Adjudication month

We buy the property in your name

When the adjudication month arrives, Tanda Casa releases the financing and buys the property in your name. From that moment, the property is legally yours — you continue paying the remaining monthly contributions, but the home is registered to you, with no lien from a bank or SOFOM.

Final month (≤ 180)

Contract closes, property is fully yours, no liens

After the last monthly contribution, the contract closes. The property is yours, free and clear, with no outstanding obligation to Tanda Casa or anyone else. Maximum term is 180 months (15 years).

No surprises at signing

The 8-document contractual kit — what you actually sign

Step 2 shows you 8 documents one after another, in this order. They look like a lot, but the kit is a standard self-financing package: one main contract plus the operational annexes that make it function. Reading time is roughly 10 minutes total. One electronic signature with a NOM-151 timestamp applies to all 8.

01Adhesion contract. The core agreement. Registered with PROFECO at RPCA, publicly verifiable.

02Plan annex. Your specific plan: amount, APEX, monthly payment, term, adjudication month.

03Group rules. How adjudication, points, and the collective fund operate.

04Fees and CAT disclosure. Administration fee, IVA, life-insurance fee, total annual cost.

05Beneficiary designation. Your 1 to 4 beneficiaries with their percentages.

06Personal data consent. What we collect, how we use it, your ARCO rights.

07Payment authorization. Direct debit mandate or SPEI confirmation for monthly contributions.

08Acknowledgement of risks & obligations. Standard regulatory acknowledgement under PROFECO.

The contract registration is independently verifiable. Before you sign, ask us for your RPCA registration number on WhatsApp — you can look it up yourself at rpca.profeco.gob.mx. This is how PROFECO publishes every adhesion contract under Mexico's Federal Consumer Protection Law.

Your next step

Three ways to move forward

Pick the path that matches where you are. All three lead to the same place — our 4-step online flow.

Path 01 · Most direct

Ready to start

You understand the model, you have your ID and proof of address ready, you know roughly which plan fits. Open the app and go through the 4 steps in one sitting.

Start here

Path 02 · See the numbers

Want to see the numbers first

You want to model your exact monthly payment, compare the four plans, and see how APEX changes the adjudication month before you commit. Open the calculator — nothing to sign.

Open the calculator

Path 03 · Have questions

Talk to an advisor

You have a specific question about your situation — residency status, foreign income, a coastal property, a remodel scope, anything. Message us on WhatsApp in English. We typically reply within minutes.

Message on WhatsApp

Process questions

Common questions about the 4 steps

Short answers to the questions we hear most often about the onboarding flow. For plan mechanics, regulation, and eligibility, see the main FAQ on the English homepage.

Most clients complete the 4 steps in a single sitting of 10 to 15 minutes. Step 2 (identity and signature) is the longest because of the 8-document reading window. The rest is fast. The total is shorter than opening a bank account in Mexico, and far shorter than a mortgage application.

Yes. Nothing is committed until you sign in step 2 and pay the inscription in step 3. If you stop in step 1 (designing your plan), no obligation exists. If you stop after signing but before paying the inscription, your contract is not active yet. You can return any time using the same login and pick up where you left off.

A valid passport works in place of the INE. Foreigners with permanent or temporary Mexican residency are eligible directly. If you are not yet a resident, message an advisor before you start — we will confirm what is currently possible based on your migratory status (residency card, FMM, refugee, asylum holder). Tanda Casa does not require Mexican credit history, IMSS, INFONAVIT, or local income proof.

NOM-151 is Mexico's certified standard for electronic signatures with a trusted timestamp. In practice, three things: (1) your signature is legally binding in Mexico, exactly like ink on paper; (2) the moment you signed is cryptographically anchored to a certified time source — no one can backdate or alter the document afterward; and (3) one signature event covers the full 8-document kit. You do not sign 8 times. You sign once, the timestamp seals all 8.

You choose in step 1: either the current month or the next one. If you pick the current month, your first monthly contribution is due within days of finishing step 3. If you pick next month, your first contribution is the corresponding day in the following calendar month. The inscription paid in step 3 is separate — it is not your first monthly payment.

Yes — the entire 4-step online flow is built to work from anywhere with an internet connection. Many of our clients live in the US, Canada, or Europe and complete everything without traveling to Mexico. Monthly payments can be funded by international transfer, services like Wise or Remitly, or from a Mexican peso account if you have one. No notary visit, no in-person signing, no flight required.

How Tanda Casa works in 4 steps. 10 to 15 minutes, fully online.