BANK TRUST
Buying real estate in Mexico as a foreigner is 100% legal — but the process is different. If you're purchasing property within the restricted zone (50 km from the coast or border), you’ll need a Bank Trust, called a Fideicomiso in Spanish.
We’ll explain it clearly, step by step.
LEGAL
PROCESS
OWNERSHIP
SETUP
Yes, Foreigners Can Own Property in Mexico.
Here’s How
It’s a Trust, Not a Lease
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A fideicomiso is a legal bank trust that allows foreigners to own residential property in Mexico’s restricted zones (like Baja California). You’re not renting — you are the legal owner through the trust.
The Bank Holds Title, You Hold the Rights
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A Mexican bank acts as the trustee, holding the title on your behalf. You are the sole beneficiary, with full rights to use, rent, remodel, sell, or pass it on to heirs.
Backed by Mexican Law
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The fideicomiso exists because the Mexican Constitution restricts direct foreign ownership near coasts and borders. This trust system was designed by the government to legally allow foreign investment.
50-Year Term, Fully Renewable
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The trust lasts for 50 years and is renewable indefinitely. You can extend it, transfer it, or include yourheirs as secondary beneficiaries.
Managed Through an Authorized Bank
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Only certain Mexican banks are licensed to create fideicomisos. We help you select a trusted institution that handles the legal setup, paperwork, andregistration.
It’s the Legal Way to Buy in Coastal Mexico
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If you're buying in places like Tijuana, Rosarito, Ensenada, or Cabo, this is the only legal method for foreigners to own.Thousands of Americans and Canadians use fideicomisos every year.
Steps to Set Up a Fideicomiso
1. Choose your property
Find the property you want to purchase within the restricted zone
2. Hire a notary & bank
We coordinate with a certified notary and help you select a trusted bank (trustee)
3. Trust agreement drafted
A fideicomiso contract is created between you, the seller, and the bank
4. Permit request filed
The Mexican Ministry of Foreign Affairs grants permission to establish the trust
5. Closing & registration
The trust is signed at the notary, funds are transferred, and the deed is officially registered
What Happens After the Purchase?
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You become the legal beneficiary of the trust. You can:
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Rent or live in the property
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Sell it at any time
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Pass it on to heirs
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Renovate or build (as long as permits are respected)
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We also assist with renewals, bank changes, or adding secondary beneficiaries.
Want to know if a Fideicomiso is right for your purchase?
Let’s talk — our team will walk you through every step, in English or Spanish.