Mortgage Credit

At Plalla Real Estate, we are your exclusive ally in the search for the ideal property in Quintana Roo and Yucatán. We operate under the Buyer Representative (Buyer Agency) model, which means we work solely and exclusively for you, the buyer. This philosophy allows us to guarantee the highest level of ethics, transparency, and honesty, completely eliminating conflicts of interest in the purchase of a...

On July 16, 2025, the reform to the Federal Law for the Prevention and Identification of Transactions with Illicit Proceeds (LFPIORPI), better known as the Anti-Money Laundering Law, was published in the Official Gazette of the Federation (DOF). This reform is important because it establishes new rules to prevent money laundering in Mexico and directly affects real estate agencies, developers, notaries,...

The 2025 Buen Fin has also arrived to the real estate sector, and this year the Riviera Maya is offering some of the strongest promotions we’ve seen: direct discounts, reduced down payments, 50/50 and 30/70 plans, interest-free months, fully furnished units, and limited-time frozen prices. If you're looking for a real opportunity to purchase a condo, home, or residential lot in Playa del Carmen, Tulum,...

Your credit score can make or break one of the most important decisions of your life: buying your first home. In Mexico, your credit score is one of the key factors financial institutions analyze before approving a mortgage loan. But all is not lost if your score isn't ideal today. Improving your credit score to qualify for a mortgage is entirely possible if you implement clear and responsible...

Is a mortgage in Mexico worth it ? This is one of the most frequently asked—and most important—questions among those dreaming of buying a home this year. With interest rates likely to stabilize, a steadily rising real estate market, and the promise of continued growth in equity in the coming years, the dilemma is on the table: take on debt now or continue waiting? Making the right decision can mean the...

An Infonavit loan is an excellent option for workers in Mexico seeking to fulfill their dream of owning their own home. Through this financing, the National Workers' Housing Fund Institute (Infonavit) offers financial support to Mexican workers for the purchase, remodeling, or construction of homes, facilitating access to affordable properties. If you are a foreigner and work for a Mexican company that...

Did you know that selling a property in Mexico could help you avoid paying Income Tax (ISR) ? For many homeowners, income tax can be a major concern, as it can significantly reduce the profit obtained from the sale of their home. However, the good news is that there are legal mechanisms to exempt you from paying income tax, as long as you meet certain legal requirements. If you're planning to sell your...

Can you imagine living in your dream home while saving up to buy it? That's possible with the Rent to Buy model. This system combines the best of renting and buying, allowing you to test drive the property while accumulating payments toward future acquisition. Read on to discover how it works, its advantages and disadvantages, and why it's gaining popularity in Mexico.   Want to know how you can...

Calculating your real estate return on investment (ROI) can be one of the smartest and most lucrative financial decisions you can make. However, the success of your investment isn't just about acquiring a property; it's about understanding and maximizing your return on investment (ROI). Have you ever wondered how much you're actually earning from your property? Or if you could be making...

What are pre-sale credits?   Pre-sale loans are a form of financing that allows buyers to purchase a property before it is built or completed. These loan terms can typically range from 10, 15, and 20 years, providing flexibility to suit each buyer's individual financial needs.   With this type of financing, buyers can obtain up to 90% of the property's value, allowing them to access...