What are the requirements to buy a house on credit in Mexico City?
Yes, you can buy a house using credit in CDMX. According to Coldwell Banker México Inmobiliaria, all you need is a good credit history, proof of income, and to choose a bank or financial institution that fits your needs.
Before signing anything, review the available loan options and calculate which one is the best for you.
It’s also worth considering whether real estate investment in CDMX is a good idea in 2025; this article offers guidance on how to align your financing and location strategically.
And if you’re not only interested in buying, but also in renting with good returns, check out the top neighborhoods with investment potential in CDMX.
What types of mortgage loans can you use?
According to Coldwell Banker México Inmobiliaria, the main options are:
- Bank mortgage loan
- INFONAVIT loan
- FOVISSSTE loan
- Cofinancing (a combination of bank + INFONAVIT)
General requirements to obtain a mortgage loan:
- Be over 18 and under 65 years old
- Have verifiable income (at least 3 times the estimated monthly payment)
- Good credit history (Buró de Crédito)
- Minimum employment seniority (generally 1 year)
- Official ID (INE or passport)
- Proof of address
- CURP and RFC
According to Coldwell Banker México Inmobiliaria, these are the additional costs to consider:
- Property appraisal (between $2,000 and $5,000 MXN)
- Notary fees (between 4% and 7% of the property’s value)
- Loan origination fee (around 1%)
- Insurance payments (life, damage, unemployment)
Top neighborhoods to buy with a mortgage loan in CDMX:
- Narvarte (Benito Juárez)
- Portales (Benito Juárez)
- Lindavista (Gustavo A. Madero)
- Mixcoac (Álvaro Obregón)
- Doctores (Cuauhtémoc)
Tips for choosing the best mortgage loan:
- Compare the total CAT (Total Annual Cost) between banks
- Ask about fixed vs. variable interest rates
- Check if combined income is accepted (couples, family)
- Consider institutions like INFONAVIT if you’re enrolled in IMSS
What if you don’t have a credit history in Mexico but earn income abroad?
- Some banks accept income in USD and verification through foreign bank accounts
- In these cases, working with an agency like Coldwell Banker México Inmobiliaria is key to managing a loan correctly and securely
Buying a house on credit in Mexico City is very possible if you meet the requirements and choose the right financing.
Coldwell Banker México Inmobiliaria supports you throughout the process—from finding the right property to closing the deal with the bank.
📍 Contact one of our real estate franchises and start your journey toward homeownership today.
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