外国人在墨西哥购买房产
Buying property in Mexico as a foreigner
外国人在墨西哥购买房产
Owning property in Mexico has always appealed to expats- from sandy beaches to welcoming locals, delicious food and the promise of plentiful sunshine, there’s little not to love about the North American destination.
在墨西哥拥有房产一直吸引着外籍人士——从沙滩到热情好客的当地人、美味的食物和充足的阳光，这个北美目的地几乎没有什么值得不爱的。
For many foreigners, owning homes Mexico City proves to be the easiest option thanks to the restaurants, nightlife, shopping, museums, parks and looser restrictions. While beachfront properties are still considered prime, inland properties in CDMX, Ecatepec, Guadalajara, and other major cities aren't tied to the same residential property laws that make buying by the beach difficult for expats.
对于许多外国人来说，在墨西哥城拥有房屋被证明是最简单的选择，这要归功于餐馆、夜生活、购物、博物馆、公园和更宽松的限制。虽然海滨房产仍然被认为是黄金地段，但 CDMX、埃卡特佩克、瓜达拉哈拉和其他主要城市的内陆房产不受相同的住宅房产法的束缚，这使得外籍人士难以在海滩上购买。
While foreigners may not always have the easiest time buying property, it is the norm to own in Mexico- 80% of residents live in owner occupied houses. And while there are some hoops to jump through, in most places buying property is straightforward.
虽然外国人可能并不总是最容易购买房产，但在墨西哥拥有房产是常态——80% 的居民住在自住房屋中。虽然有一些障碍需要跨越，但在大多数地方购买房产都很简单。
This guide will walk you through everything you need to know about buying property in Mexico.
本指南将引导您了解在墨西哥购买房产所需了解的所有信息。
What’s the property market like in Mexico?
墨西哥的房地产市场是什么样的？
Generally, the property market in Mexico is strong and on the rise. The country’s economy is holding fast despite the threat of trade alterations from the US, and is growing more swiftly in 2017 than economists previously predicted. Because of this, national buyers are snapping up property as foreign investors rush to take a cut as well. It’s a seller’s market, meaning home prices may be a little high- but so are the values.
总的来说，墨西哥的房地产市场强劲且不断上升。尽管面临来自美国的贸易变化的威胁，该国的经济仍在稳步发展，并且在 2017 年的增长速度比经济学家之前预测的要快。正因为如此，随着外国投资者也争先恐后地分一杯羹，国内买家正在抢购房产。这是一个卖方市场，这意味着房价可能有点高——但价值也是如此。
Can foreigners buy property in Mexico?
外国人可以在墨西哥买房吗？
Yes- with some restrictions. Mexican citizens are able to buy land without any real barriers, but foreigners face some geographically-based barriers that can restrict some from buying in the most desirable areas.
是的 - 有一些限制。墨西哥公民能够不受任何真正的障碍地购买土地，但外国人面临一些基于地理的障碍，这可能会限制一些人在最理想的地区购买。
Residential property that’s 31 miles or closer to the coastline or 62 miles from a border will need to do so via a trust through a Mexican bank. These can be created and used, but it’s often a long process. Foreigners are typically encouraged to work with a notary and a lawyer as they navigate their purchase.
距离海岸线 31 英里或更近或距离边境 62 英里的住宅物业需要通过墨西哥银行的信托进行。这些可以创建和使用，但通常是一个漫长的过程。通常鼓励外国人在购买时与公证人和律师合作。
What’s the approximate cost of different properties in Mexico?
墨西哥 不同房产的大致价格是多少？
While prices vary from place to place, the cost of properties on the beach and in major cities are roughly the same. The table below will give you an idea of some average property prices around Mexico.
虽然价格因地而异，但海滩和主要城市的房产成本大致相同。下表将为您提供墨西哥各地一些平均房价的概况。
| Location 位置 | Property Type 属性类型 | Cost 成本 |
|---|---|---|
| Playa Del Carmen 普拉亚德尔卡曼 |
1 BR 1 Bath Apartment 1 卧室 1 浴室公寓 |
$2,695,000 MXN 2,695,000 墨西哥比索 |
| Polanco, Mexico City Polanco， 墨西哥城 |
2 BR 1 Bath Apartment 2 卧室 1 浴室公寓 |
$4,500,000 MXN 4,500,000 墨西哥比索 |
| Ecatepec, Mexico City 墨西哥城 埃卡特佩克 |
3 BR 2 Bath House 3 卧室 2 浴室 别墅 |
$980,000 MXN 980,000 墨西哥比索 |
| Guadalajara 瓜达拉哈拉 |
2 BR 1 Bath Apartment 2 卧室 1 浴室公寓 |
$1,255,000 MXN 1,255,000 墨西哥比索 |
| Puerto Vallarta 巴亚尔塔港 |
3 BR 4 Bath House 3 卧室 4 浴室 别墅 |
$5,831,000 MXN 5,831,000 墨西哥比索 |
| Monterrey 蒙特雷 |
3 BR 4 Bath House 3 卧室 4 浴室 别墅 |
$5,385,000 MXn $5,385,000 墨西哥比索 |
How can I find a property in Mexico?
我如何在墨西哥找到房产？
Property agencies and agents
房地产代理和代理
It’s a good idea to engage a real estate agent if you’re planning to buy property in Mexico. Online listings are still growing in popularity, and if you choose to search on your own you may find that you’re missing more than half of the available properties in your desired area.
如果您打算在墨西哥购买房产，最好聘请房地产经纪人。在线列表仍然越来越受欢迎，如果您选择自行搜索，您可能会发现您错过了所需区域中一半以上的可用房产。
Luckily, realtor fees in Mexico aren’t too high to start with, and it’s common to negotiate them down before you get started.
幸运的是，墨西哥的房地产经纪人费用一开始并不高，在开始之前协商下来是很常见的。
Avoiding scams 避免诈骗
New scams are being tried every day, and it can feel like it’s impossible to protect yourself when you set out to buy a home. However, the following principles will go a long way towards making sure you and your investment remain safe throughout the process.
每天都有新的骗局被尝试，当您开始买房时，感觉不可能保护自己。但是，以下原则将大大有助于确保您和您的投资在整个过程中保持安全。
-
Get a referral. Real estate agents in Mexico aren't required to be licensed or trained, and can act independently of an agency- meaning, there’s no real way to make sure you’re getting an agent who has your best interest in mind without getting a referral from a friend. If you can, using your network to find a trusted agent is always a good idea.
获得推荐。墨西哥的房地产经纪人不需要获得许可或培训，并且可以独立于代理机构行事——这意味着，如果没有朋友的推荐，就没有真正的方法可以确保您得到的经纪人会考虑到您的最大利益。如果可以的话，使用您的网络找到值得信赖的经纪人总是一个好主意。 -
Know the market. You may find that, as a foreigner, the prices of the homes you’re looking at seem to rise out of nowhere. If you’re not aware of what prices around you should be, you could get taken for a lot more money than your property is worth.
了解市场。您可能会发现，作为外国人，您正在查看的房屋价格似乎凭空上涨。如果您不知道周围的价格应该是多少，您可能会被带走比您的房产价值高得多的钱。 -
Meet the seller. Working through an agent is fine, but it’s important to meet and talk to the seller so you know they're in fact selling their property, and they have the right to sell that property.
认识卖家。通过经纪人工作很好，但重要的是要与卖家见面并交谈，这样您就知道他们实际上正在出售他们的房产，并且他们有权出售该房产。 -
Get an inspection. Many homes in Mexico are on the newer side and won’t have many problems, but it’s still a good idea to have your new property checked for things like pests and mold, which can crop up pretty swiftly in the warm climate.
进行检查。墨西哥的许多房屋都位于较新的一侧，不会有太多问题，但最好检查您的新房是否有害虫和霉菌等疾病，这些疾病在温暖的气候中可能会很快出现。 -
Never mail money. If the seller isn’t willing to make transactions face to face, it’s probably a good idea to walk away.
永远不要邮寄钱。如果卖家不愿意面对面进行交易，走开可能是个好主意。 -
Trust your gut. If something seems off to you, it probably is. Trust your gut, and don’t go through with a purchase you’re not sure about.
相信你的直觉。如果你觉得有什么不对劲，那可能就是。相信你的直觉，不要进行你不确定的购买。
Property websites in Mexico
墨西哥的房地产网站
Online property listings are still growing in Mexico, and it can be tough to find sites with good information about what’s available. Still, using the web to get a feel for locations, home styles and prices is a good idea. The following sites are good places to get started in your search:
墨西哥的在线房源仍在增长，要找到关于可用房源的良好信息的网站可能很困难。尽管如此，使用网络来了解位置、家居风格和价格是一个好主意。以下网站是开始搜索的好地方：
How do I choose the right property?
如何选择合适的房产？
Property types 属性类型
Depending on where you choose to buy, what type of property you can get will vary. In the major cities, look for apartments and townhouses- you’ll struggle to find land or freestanding homes. By the beach, however, keep an eye out for larger villas, land parcels and plenty of apartments, many of which are in residential hotels.
根据您选择购买的地方，您可以获得的房产类型会有所不同。在主要城市，寻找公寓和联排别墅——您将很难找到土地或独立房屋。然而，在海滩边，请留意较大的别墅、地块和大量公寓，其中许多位于住宅酒店中。
Condition of the property
物业状况
Technically, there are no official building standards for property in Mexico. If you’re buying a prefabricated home, you’ll want to hire a surveyor to do a thorough inspection before you settle on your new place.
从技术上讲，墨西哥没有官方的房地产建筑标准。如果您要购买预制房屋，则需要聘请测量师在安顿新房之前进行彻底检查。
Tip: Don’t hire a surveyor recommended by the seller or your real estate agent; this is a common scam.
提示：不要聘请卖家或您的房地产经纪人推荐的测量师;这是一个常见的骗局。
What are the steps to buying a property as a foreigner?
外国人买房的步骤是什么？
The steps for buying a home in Mexico are pretty simple, even if you’re choosing to buy in the restricted zone. While they vary from transaction to transaction, the process should be something like the following:
在墨西哥买房的步骤非常简单，即使您选择在禁区买房。虽然它们因交易而异，但过程应该如下所示：
-
Investigate a Mortgage or, if you’re in the restricted zone, a bank trust or fideicomiso
调查抵押贷款，或者，如果您在限制区，则调查银行信托或 fideicomiso -
Engage a real estate agent
聘请房地产经纪人 -
Find your property and make an offer
查找您的住宿并出价 -
Have a sale contract written by a notary
有公证人撰写的销售合同 -
Finalize your fideicomiso or mortgage with the bank.
与银行完成您的 fideicomiso 或抵押贷款。 - Sign the contract 签订合同
- Pay taxes 纳税
What are the legal requirements to buying a property in Mexico?
在墨西哥购买房产有哪些法律要求？
Buying property in Mexico will require you to engage a notary to draw up a sale contract, but otherwise the legal requirements are pretty thin.
在墨西哥购买房产需要聘请公证人起草销售合同，但除此之外，法律要求非常薄弱。
You’ll want to: 您需要：
-
Look into how you will hold the title. If it’s in the restricted zone, the title will be held by a Mexican Bank in the form of a fideicomiso. If you’re outside of the restricted zone, you’ll hold the title in your own name.
看看您将如何持有头衔。如果它在限制区内，头衔将由墨西哥银行以 fideicomiso 的形式持有。如果您在限制区之外，您将以自己的名义持有头衔。 -
Have all of your contracts drawn up in English, or use a translator to do so. Good firms will take care of this for you.
将您的所有合同都用英文起草，或使用翻译来起草。好的公司会为您处理这件事。 -
Thoroughly read your regimen de condominio, which outlines owners rights and restrictions, as well as obligations.
仔细阅读您的 regimen de condominio， 其中概述了业主的权利和限制以及义务。
How do I get a bank loan/mortgage?
我如何获得银行贷款/抵押贷款？
To get a mortgage, you can go to any major Mexican or a bank in your home country. You don't need to be a Mexican resident or even have a visa to buy property in Mexico.
要获得抵押贷款，您可以去墨西哥的任何主要公司或您所在国家/地区的银行。您无需成为墨西哥居民，甚至无需签证即可在墨西哥购买房产。
If you need a fideicomiso to make your purchase, you’ll also find a wealth of options- many of the larger international banks that work in Mexico will help you get a trust, as will local Mexican banks like Banorte and Banamex.
如果您需要 fideicomiso 进行购买，您还会发现很多选择 - 许多在墨西哥开展业务的大型国际银行将帮助您获得信任，Banorte 和 Banamex 等墨西哥当地银行也将帮助您获得信任。
If you’re planning to pay your down payment from a foreign bank account, you’ll want to keep an eye on the exchange rate and associated fees from your bank to make sure you’re not going way over budget. If you want to protect yourself from fees and bad or inflatex exchange calculations, you can use Wise to get the mid-market exchange rate and seriously cut down on fees.
如果您打算从外国银行账户支付首付，您需要密切关注银行的汇率和相关费用，以确保您不会超出预算。如果您想保护自己免受费用和不良或膨胀的汇率计算的影响，您可以使用 Wise 获取中间市场汇率并大幅降低费用。
What kind of taxes and fees will I need to pay?
我需要支付哪些税费？
Unfortunately it can be a little hard to pin down exactly what level of fees you’ll pay due to looser regulations, but some good ones to look out for include:
不幸的是，由于法规较宽松，要准确确定您将支付的费用水平可能有点困难，但需要注意的一些好费用包括：
-
Agency/Agent fees, which are variable and can be negotiated
代理/代理费用，可变且可协商 -
Notary/Lawyer fees, which are variable but are taxed at 16% VAT
公证/律师费用，这些费用是可变的，但按 16% 的增值税 -
Acquisition Tax, between .2 and 4.5%
购置税，介于 2% 和 4.5% 之间 -
Registration Fee, which can be anywhere from .02 to 1.8%
注册费，可以从 02% 到 1.8% 不等 -
Title insurance, at roughly .5%
产权保险，约为 .5%
Beyond the somewhat tedious process of setting up a bank trust, the real estate process in Mexico is fairly straightforward. With a relatively small budget, you can enjoy a beautiful beachfront villa or a modern urban apartment. As far as investment in Mexico is concerned, there’s never been a better time as the nation’s citizens and a multitude of tourists rush to enjoy the Mexican seaside. Good luck with your property purchase!
除了设立银行信托的有点乏味的过程外，墨西哥的房地产过程也相当简单。只需相对较少的预算，您就可以享受美丽的海滨别墅或现代城市公寓。就对墨西哥的投资而言，现在是最好的时机，因为该国公民和众多游客争先恐后地享受墨西哥海滨。祝您购房好运！
