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Location Location and Location are the 3 most important  factors to consider when investing in a property. The Riviera Maya, the stretch of  beach line where Playa del Carmen is  located, is the second world tourist destination, behind  Orlando in Florida. Playa del Carmen is a city on the coast of the Caribbean Sea in the north east of the state of Quintana Roo, Mexico, located at 20.62° North, 87.07° West. The city is the seat of the Solidaridad municipality. In 2003 the city had a population of about 49,000 people, though it is rapidly growing in population. Tourism to Playa del Carmen began with the passenger ferry service to Cozumel, an island across the Cozumel Channel and world-famous  scuba diving destination. While passing through, many people realized that it was a nice place to relax away from the crowds of Cancún but  with the same quality beaches and turquoise waters. While not as incredible as Cozumel, Playa del Carmen's coast offers some good scuba  diving opportunities, as well as cenote diving for the more adventurous. Today Playa del Carmen, or just 'Playa' as it is colloquially referred  to, is the center of the Riviera Maya concept, which covers from Cancún to Tulum and the Sian Ka'an biosphere reserve. All tourist activity  in Playa del Carmen centres on the Quinta Avenida, or Fifth Avenue, is a pedestrian walkway located just one block inland from the beach,  and lined with boutique hotels, shops, bars and restaurants. Playa Del Carmen wants to retain its small fishing village and artist colony charm,  without becoming as large or tourist-dependent as Cancún. To this end, the city passed an ordinance by which all buildings, no matter what,  have a limit of three stories, though a few four story buildings were built before the ordinance. There is a significant European influence in  Playa, especially Italian. It is not unusual to find that the proprietors of a particular hotel, restaurant, or bar are expatriates from Italy,  Argentina, the US, Canada, France, Spain, or one of the many other country of origins represented among Playa del Carmen's residents. The  telenovela Peregrina takes place in Playa del Carmen. Playa del Carmen is a cosmopolitan town located on the Caribbean Sea about 35  miles South of Cancun in the heart of Mexico's Mayan Riviera. The town is small enough where you can walk just about anywhere you need  to go. The location of Playa del Carmen and its nearby attractions makes this the perfect holiday destination for a Caribbean Vacation. Lodging runs the gamut from youth hostels to upscale, boutique hotels available in all price ranges. There are over one hundred Playa del  Carmen hotels to choose from and all are within town and walking distance to the beach. A myriad of dining options ranging from roadside  taco stands to upscale, fine-dining restaurants line 5th Avenue, downtown's pedestrian walkway. Enjoy local Mayan cuisine or choose from a  variety of international eateries, including Italian, French, Argentinean and Thai restaurants. For local dishes venture up Juarez Avenue or  

past 10th Avenue to sample authentic Mexican food. A typical day in Playa, as the locals call it, can be spent relaxing under an umbrella  propped along the breathtaking Mayan Riviera beaches sipping a margarita. The azure sea is the perfect temperature for a swim, and the  ocean breeze is steady enough to keep you cool. Seaside bars and restaurants are located all along Playa del Carmen beaches and are the  perfect place to kick off your shoes and enjoy lunch with your toes in the cool, white sand. During the afternoon, you may browse the many  shops and markets along 5th Avenue. Banks, pharmacies, one-hour-film developing, liquor stores and supermarkets are located downtown  and nearby. After dinner at an palapa-roof restaurant, there are plenty of fun bars on the beach and in town where you can kick back with an  ice-cold cerveza and watch live music. Listen to rock, reggae, folk, mariachi, and Mexican bands all around town and dance to live Salsa  music at the Mambo Cafe. Playa is located in the perfect location and there are many opportunities for day trips from Playa del Carmen to  explore Mayan ruins, snorkel, swim in a cenote (underground cave), or explore the charming island of Isla Mujeres. Modern public  transportation systems make it easy, and affordable, to explore the Riviera Maya from Playa del Carmen. Hop on a bus and explore the ruins  at Tulum, Coba or Chichen Itza. Catch a collectivo bus to snorkel the lagoons at Xcaret or Xel Ha. Take the ferry to Cozumel and dive in the  world-famous reef. Busses from Playa del Carmen to downtown Cancun depart every 15 minutes. If you prefer a more serene atmosphere,  Akumal and Tulum are a short distance away. You might want to spend a day visiting the historical churches and buildings of colonial  Valladolid. Playa del Carmen is the perfect location with its close proximity to everything the Riviera Maya has to offer. One of the main  advantages of this destination is that is easier to get to than most  destinations in the Caribbean, with many direct flights from  USA and  Canada. The area has an  average of 325 sunny days in the year assuring that you will  enjoy an splendid time in almost every visit. The  Caribbean  waters are warm all year, even in winter is not necessary a  wet suit to take a dive into the clear blue turquoise waters,  and unlike  Australia, there are not white sharks and nasty  stinging animals in the reefs. In front of Playa del Carmen  and all along the coast up to  Belize, runs the second largest  and virgin barrier reef in the planet, and in most places is not  very deep and is not necessary to scuba dive to  enjoy the  wonderful exotic life forms that populate it. The fishing at deep sea or bone fishing is excellent. The people are  extremely friendly  and courteous, and, as we all live from  tourism here, our visitors are treated like King and Queen. It is nice to own property in the Caribbean  but notice that  this Caribbean property is located in Mexico.  The Mexican Republic A.K.A. Estados Unidos Mexicanos, is the 4th. most  popular destination in the planet. In Mexico you  will enjoy the result of mixing the Spanish European culture  with the Aztec , and Mexican  Indian nation. From that , an entire new cuisine, art, and religion syncretism come alive.  500 years old  Colonial cities, which remind us from  the time  pirates from Britain come to sack Campeche and cities on  the coast of the Yucatan, Old style European castle-like  houses, and  

countless other attractions visitors will find in  the Mexican colonial circuits like the one in the Mayan coast  neighborhood that is the  Merida-Campeche-Valladolid,  plenty of friendly quaint towns, to walk and take pictures.  And i could go on an on about the Mexican  colonial cities. Other facet of this region of Mexico is the Mayan civilization, that offers several Mayan sites to explore, with pyramids,  

temples, painting, sculptures, ancient tombs still waiting to be discovered lay in the deep jungle. Also the friendliness of the Maya people that  still preserve native tongue and manners. This is one of the main reasons why people visit here, to go native. The first human need is certainty  , the second is variety, this part of Mexico offer unparallel  variety, visitors never get bored here.  Mexico has one of the widest ranges of  outdoor fun and  culture making it a tourist haven and great investment in  tourism. Mexico has a population of over 100 million  people and  more then half of the Mexicans belong to the  economically active population (between 15-64 years old).  That's over 50 million people  working in the service and  agriculture industry.  Out of the 31 states that comprise Mexico, Quintana Roo is  the fastest growing in tourism  and is attracting the attention  of large international companies as well as the smaller  investor. The beautiful coastline of Quintana Roo  stretches from  south of Cancun to Tulum which is the fastest growing  region of coastline extending more than 100 miles. The hot  spot  within this region is the booming town of Playa Del  Carmen.  The Mayan Riviera is one of the few places on this earth  that offers crystal  clear blue-turquoise ocean water, white powder sand uncrowded beaches, some of the  best diving in the world and any sport you desire.   Between the exciting nightlife in Playa Del Carmen, warm  tropical weather, friendly people, famous Mayan ruins, and  vast activities, this is  the ultimate vacation destination for  both the active sports enthusiast as well as the professional  sunbather. The crime rate in this area is  almost zero. This destination gives you 3 vacations in one. First you are in the Caribbean, this means beach, sun, fishing, snorkeling, water  sports, night life, relax. Second You are in Mexico, and you have the colonial cities, colorful towns, Mexican people's food, arts, and crafts.  Third you are in the Mayan  civilization, ancient cities buried in the jungle waiting to be discovered, pyramids to explore temples to witness  ancient ceremonies, in a word;  adventure. The Mayan cities that can be visited within driving distance less tan 2 hours are: Chichen Itza,  Coba, Tulum, El Rey, El Meco, Ek balam, and several other in the 3-4 hour drive range.   Eco tourism is very important here and there are  several ecological parks to visit, in Puerto Morelos there is a botanical Park and a Crocodiles farm named Croco Cun, other eco parks nearby  are Xel-Ha , Tres Rios, Punta and Venado Eco Park. Other interesting phenomenon of this region are the "cenotes" the cenotes are big  

holes in the ground filled with clean pristine transparent drinkable water. Cenote , pronounced in English language say-no-tay, is the name  given in the southern part of Mexico and Central America to freshwater-filled limestone sinkholes. Cenotes are fully or partially collapsed  karst caves. Mature cenotes often resemble small, circular lakes or lagoons with vertical edges. The name cenote (pronounced in Spanish  language theh-naw-teh) derives from Mayan language dzonot. Cenotes have long been major sources of water in much of the Yucatan  peninsula, most of which lacks other easily accessible year-round water. The Maya city of Chichén Itzá was built around a cluster of these  natural wells. Some cenotes like the Cenote of Sacrifice in Chichén Itzá played an important role in Maya rites. It was believed that these  pools were gateways to the other world, and valuable items were sometimes thrown into them. Golden sacrificial artifacts were found in such  cenotes, leading to the archaeological exploration of most cenotes in the first part of the 20th century. Some cenotes flow out to the ocean.  Where the fresh and saltwater meet, a blurry halocline layer can be found. This phenomena can occur many kilometers inland, and is usually  found at depths between 10-20 meters. Cenote Park, located at Playa del Carmen, Quintana Roo, Mexico, contains many cenotes. These  cenotes provide access to extensive underwater cave systems such as the Nohoch Nah Chich cave. Caves such as Dos Ojos Cavern have  attracted cave divers and there are organized efforts to explore and map the underwater systems. Having  into consideration that variety is  the second human need, we must acknowledge that variety is the most important feature of any vacation destination. The Mayan Riviera  

and hits hub, Playa del Carmen will have this superb and unparallel variety of activities for a long time, people return here year after year  because there will be something new to discover, an new adventures to live. Our beautiful islands within close range, Cozumel, isla Mujeres  and Cancun, those are more reasons why your investment here will not worn out. Mexico has one of the widest ranges of outdoor-fun and  culture making it a tourist haven and great investment in tourism. Mexico has a population of over 100 million people and more then half of  the Mexicans belong to the economically active population (between 15-64 years old). That's over 50 million people working in the service  and agriculture industry. Mexico is also the only country with free trade agreements in North America, Latin America and Europe. Mexico  has been in strong economic recovery since the devaluation of the peso in 1994. Out of the 31 states that comprise Mexico, Quintana Roo is  the fastest growing in tourism and is attracting the attention of large international companies as well as the smaller investor. The beautiful  coastline of Quintana Roo stretches from south of Cancun to Tulum which is the fastest growing region of coastline extending more than 100  miles. The hot spot within this region is the booming town of Playa Del Carmen. Playa del Carmen is located in The Mexican Caribbean is  one of the few places on this earth that offers beautiful emerald blue ocean water, some of the best diving in the world and any sport you  desire.      Between the exciting nightlife in Playa Del Carmen, warm tropical weather, friendly people, famous Mayan ruins, and vast  activities, this is the ultimate vacation destination for both the active sports enthusiast as well as the professional sunbather. Now let's  move  into the safety of the investment issues, the certainty of the solidness of the developer and of the  authenticity of the property deed-title giving  us ownership of our property is one of the reasons which give us the piece of mind to invest in Mexico in general and in Playa del Carmen and  the Riviera Maya. Mexico is now rated one the best countries for investment opportunities in real estate growth as well as one of the safest  for real estate investments (secured under recent changes in Mexican law.) Foreigners can own coastline land anywhere in Mexico with  Trusts held by Mexican banks. These Trusts are set up as 50-year renewable lease without limitations. Foreign Land owners and homeowners  can enjoy rights of ownership equal protected by the Mexican government. In the past Mexico had problems with foreign investors due to  uncertainties in Land title, which resulted in many foreigners being discouraged by ownership complications.    There were also restricted  zones, which consisted of any land within 50 kilometers of the beach and 100 kilometers from any border. To encourage foreign investment,  in 1973 Mexico adopted a Bank Trust system called Fideicomiso, which permitted foreigner to buy and own coastal and border properties  

through a trust deed. This allowed foreigners to exercise complete control over real estate in the restricted zones.  Under the Fideicomiso , the  Mexican bank through the trust hold the title to the property in any restricted zone.  Just like in the United States, the owner who is the  beneficiary of the trust, administers the trust and therefore controls the property. He or she may transfer ownership, lease or improve the  property at will.    Foreign owners may also enjoy capital gains on sold property and can also instruct the trust to pass on the property to  future generations without the cost of inheritance tax. Mexican law also protects trust beneficiaries from any problems the Bank may have.  Never can a trust be seized to satisfy judgments against the bank.  In 1994 Mexican law established that Trust Deeds life is 50 year terms  renewed indefinitely in 50 year increments. Mexican laws allow foreigners to acquire the rights to use, enjoy and avail  real estate located in coastal and border area of Mexico. Through a trust contract ("fideicomiso"), foreigners can acquire land in Mexico for  touristic or industrial purposes with the same rights and obligations that a full ownership property gives. What is a Trustee? In Mexico banks  

are authorized to open fiduciary accounts and conduct trust operations. The Trustee holds legal title to the real estate property during the  term of the trust contract, and is also empowered with the rights necessary to achieve the objectives of the contractual agreement that  creates the Trust. What characteristics would a Trust Contract have? The legal effects of the Trust Contract is that the Trustee will keep  

temporary ownership of the real estate, thus complying with Mexican laws  namely, Article 27 of the Mexican Constitution  that prohibit  foreigners from acquiring full ownership of real estate along what is known as the Restricted Zone, a belt of land 50 kilometers wide along the  coastlines and 100 kms. wide along the borders of Mexico. In the Trust Deed, the present owner of the land would appear as the settler or  Trustee ("fideicomitente") and would thereby deliver the title of the real estate to the Trustee, who would hold the property during the term  of the Trust Contract  fifty years. The buyer in turn, who appears as the Beneficiary ("fideicomisario"), is the person having the absolute use  and avail of the property. Therefore, while as a foreigner you cannot register titles to land within the Restricted Zone, you can certainly own  the beneficial interest of the Trust contract. In a way, it is similar to owning 100% of the shares in a corporation, and thus for most practical  purposes it is like ownership. What are the requirements? You or the seller must provide the bank with the following information: A copy of the  real estate title or deed indicating the exact surface area and boundaries. A copy of a draft of the property. The name(s) of the beneficiary or  beneficiaries, nationality, address and phone number. The agreed purchase price. Upon receiving the information and documents, the bank  will present an application for a Trust permit at the Foreign Affairs Ministry. Once obtained, the Trust Contract is executed and legalized  before a Public Notary. It should be noted that Notaries in Mexico have far greater legal competence than those in the United States. A  Public Notary is an attorney at law authorized by the government to formalize title transfer processes in his Books of Protocols. The resulting  documents are then registered at the Properties Public Registry, giving legal evidence of the title in the buyer's name. What rights and  obligations does the Beneficiary acquire upon celebration of the Trust Contract? As the Trust Beneficiary, you will have the use and  possession of the property that is, you may live on the land and undertake any alterations and/or improvements. You also have the capacity to instruct the Trustee on mortgaging, renting, selling or transferring the real estate from your beneficial interest to another person or  corporation. If you sell the property to another foreigner, you may assign your beneficial interest to the new purchaser. This assignment of  rights must be formalized before a Mexican Public Notary prior to the payment of federal and local taxes and fees that arise from the  transfer of beneficial rights. You will also have the obligation to pay duties on the property, such as annual property tax, condominium  maintenance fees, water, electricity, annual Trustee fee, and so forth. What fees will the Trustee charge? Trustee acceptance charge is $700.00 USD, plus 15% Value Added Tax, payable upon signing the Trust Contract. Trust handling and services is $700.00 USD per year, plus  Value Added Tax, payable in advance. This fee will be increased by the Trustee every two years, according to United States inflation rates. On every anniversary date of the Trust the bank will mail to your address the bill of the annual fee for keeping the property in Trust.What other expenses must the Beneficiary cover upon celebration of the Trust Deed? You must pay all fees, taxes and expenses that arise  from the purchase and formalization of the Trust Deed before a Mexican Public Notary. You must also cover the costs of the permit that  must be obtained from the Foreign Affairs Ministry, and of registering the Trust Deed at the National Registry of Foreign Investments.What happens if the Beneficiary passes away during the legal period of the Trust Contract? The Beneficiary has the right to appoint a  substitute Beneficiary or Beneficiaries, who would acquire all rights and obligations stemming from the Trust Contract in the event of the  beneficiary's death during the Trust's span. Through such designation your heirs will never need to follow any probate proceedings before  any Mexican courts that could cost time and legal fees. They would only need to present the death certificate and IDs to the bank, which in  turn would give instructions to a Public Notary in order to register your heirs as the new owners (Beneficiaries) of the Trust property.What happens when the Trust Contract expires? A presidential decree was issued on December 27, 1993, to establish a new Foreign  Investment Law. According to its Article 13, the Foreign Affairs Ministry may allow the renewal of Trusts within the Restricted Zone upon  the expiration of their term. Furthermore, the Foreign Affairs Ministry may also authorize a new Trust over real estate to be transferred from  one Trust to another for a period of up to 50 years, when the Beneficiaries of the original and new Trusts are different.the  prices mentioned above may change without previous notice. Mexican notaries ( notarios públicos ) are appointed by the government to  control all recordings and documentation of real estate corporate and private records regarding transfers of ownership.  Notaries also  perform title search's similar to American title companies and guarantee your property to be unencumbered.    Fideicomisos are solid  protection for your investment capital and has reshaped the Mexican tourist industry into one of the Best places on earth to park your money.  Foreigners may also own rental properties or other businesses which own property by forming a Mexican Corporation owned by foreigners. In this case the Mexican Company, which would hold the title, owns the property and a trust with a bank is not needed.  Though the only  benefit would be a few bucks for annual trust fees.    The Closing is performed by the Notaries and most properties only require 30-60 days complete the closing process.  Though it might take considerably longer to receive the bank trust or actual title. Real estate transactions are  performed by Notarios as the government requires. The government employs Notario Publicos to record the transfer of title at the time of  closing. Much different than the term "Notary Public" in the US. Notarios are highly specialized government appointed attorneys that are  

licensed and closely regulated. Only they can affect a legal transfer of title. The legal necessity is to formalize it by executing a deed of  transfer before a public notary, which will then be recorded in the corresponding public registry of property, to produce effects before third  parties. A public notary in Mexico, although similar by title, is not similar to the one you have in the United States of America. A public notary  in Mexico has to be a lawyer and obtain a degree of notary with the local authorities, and then is granted by opposition the right to operate as  a public notary. Public notaries are well known people in their towns and usually are considered very honorable personalities in their  communities. It should be noted that Notaries in Mexico have far greater legal competence than those in the United States. A Public Notary  is an attorney at law authorized by the government to formalize title transfer processes in his Books of Protocols. The resulting documents are  then registered at the Properties Public Registry, giving legal evidence of the title in the buyer's name. Since public notaries are quasi  government agents and recorders, they assist the authorities in such way that they verify the legal capacity of the parties to exercise their  rights to sell and acquire the real estate; recordal of ownership to the real estate to be transferred at the corresponding public registry of  property; and payment of real estate property taxes and water contribution fees; they will even register the transfer of the real estate  property; they pay the legal fees of taxes for registration of the real estate and they even withhold the income tax generated by the gains of  the seller and pay each tax to the corresponding authorities. Prior to the closing, the notario's additional duties include: (i) to examine the  documents of the selling party to ensure their accuracy and legitimacy; (ii) to verify title; and (iii) to search the public records to determine  the status of the seller's title to the property and the existence of liens against the property. The notario is also responsible for the collection of  all applicable property taxes and government transfer taxes.  Notarios specialize in transferring real estate and have handled many countless  transactions before they are considered for appointment. They must be recommended by their peers, the community, and scrutinized by the  government before they are appointed. Similar to the european system of real estate transfers, all transactions in Mexico must go through a  Notario to be legal and binding. Even if a person could get title insurance on their property, the transaction would not be binding unless it is  handled by a Notario and has his official stamp. For practical purposes the notario is your lawyer.  The Mexican Notary Public is an attorney  who has practiced his profession for at least five years and has been appointed by the governor of the state in which he is practicing. His  duties and obligations include; drafting of the deed, calculation of seller’s capital gains taxes and buyer’s acquisition taxes and to "give faith"  to the validity of signatures. The persons signing before him must prove they are who they say they are. Because the responsibility and  potential liability for the actions of the Mexican Notary Public are considerably higher than those of Notaries Public in the U.S. and Canada,  the notary’s fees will also be substantially higher than those charged on the other side of the border. These fees are based upon a rate  schedule reviewed and approved annually by the College of Notaries Public and are tied to the amount declared in the property  transfer. Traditionally, the buyer and seller have met at the Notary Public’s office to sign the deed and to exchange funds and deliver  possession of the property. Mexico is not the 'wild west' as some may perceive where anything goes and the prevailing Mexican attitude is  'trust me, no problema.' It is inherently important for non-Mexican buyers to understand that Mexico has formality of law with authorized  regulation of real estate development procedures at all levels and this formality is coupled with a statutory government framework for the  legal conveyance of real property and is enforced by the Public Notary. To finalize the section about security we must acknowledge that with  two independent legal entities instances ( Public Notary and Bank Trust ) verifying the legality in every aspect of our real estate transaction  must give us the peace of mind to go ahead and purchase our property.  Title insurance does not make much sense when buying condos in  new developments. This is so as the developer has done all the work for you. The developer will not risk a millionaire investment to get all land  

permits and purchase a big parcel of land to construct a building if he is not sure the land is free of any encumbrances. For the cases on  which the purchase is a pre-owned property and if  we want to add extra locks to our security we may consider expend a little bit more and  get title insurance. The real property conveyance process in Mexico, like any other civil code system in South and Central America, and many  other countries in the world, is reliant upon individuals to transfer ownership rights. These highly educated and public notaries have the  obligation, right and privilege to consummate all real estate transactions within their given territorial jurisdiction. Their acknowledgment and  certification procedure provides judicial certainty to the authenticity of the process. With this process in place, Mexico can be said to have a  good land convincing system. However, one must never lose sight of the fact that it is a system reliant on the performance of various  people, not just the public notary. Sellers, buyers, agents, surveyors, property recorders and municipal employees all come into the mix. And  as we have all learned throughout the annals of time, human beings, though not intending to do so, do make mistakes. Errors are made. We  are not infallible. In real estate matters though, mistakes can be costly and create significant losses. For that reason alone, reliance upon a  monetary indemnification that guarantees remuneration in the event of loss due to a title defect or error is a must. Suing the seller to recover  property or money, whether in the United States or in a foreign jurisdiction, is a tough alternative to the viability of title insurance. Title insurance on Mexican real estate is more than just a title insurance policy. It is an in-depth examination concerning title documents, and real  estate closing process. In order to issue an Owner's Policy of Title Insurance , and assume the inherent monetary liability that comes with the  policy issuance, the insuring company must be as certain as possible regarding all of the various elements in the property transfer. The process of the title insurance company, is to eliminate risk by examining all of the relevant issues today. If given the opportunity, a title  insurance company may both buyer and seller of the relevant concerns that may be outstanding or in process prior to the consummation of  the property conveyance. This type of investigation coupled with financial indemnification gives the non-Mexican purchaser of real estate  comfort and security knowing that a company with over 100 years of expertise has examined all of the title matters and issues a title policy.  When compared to the other closing costs associated with real property conveyances in Mexico , i.e., transfer taxes and notary fees, an  Owner's Policy of Title Insurance will for the most part be the cheapest. It is often said that it is the responsibility of the notario to provide  title assurance, and that they have the same requirement of certification as would a title insurance company. That is true. However, it is not  often understood that in Mexico a title policy not only protects against liens, encumbrances, and tax issues, but also against fraud,  misrepresentation, impersonation, secret marriages, incapacity of parties, undisclosed heirs and other hidden risk as provided by the policy.  Even the best of notarios or attorneys may be unable to discover these title problems. Since title policies are fully negotiable contracts of  indemnity, a title company can consider and insure a variety of title matters for the benefit of the proposed insured. For example a title  insurance policy has the ability to provide affirmative coverage and endorsements that protect purchasers against risks that may be  discovered in the title search process. How can any one individual, even a notario publico, give these types of assurances that have real  dollars standing behind the assurance and that ultimately will protect a buyer in the event of a loss. Lets review  another important subject  involved in real estate transactions, the financing, only recently financing for foreigners became available in the Mexican territory. Financing  is available for American, Canadian and British citizens in Mexico.   Loans can be obtained within three months from the filing of your  application. American Home Lending, S.A. de C.V. (AHL), offers the only alternative to a cash purchase in Mexico.  Starting immediately,  there is an innovative way to obtain the funds necessary to buy or build your Dream Home in a tropical paradise.  For those individuals who  dream of the perfect get away vacation home, the retiree looking to enjoy the tranquility that Mexico offers or if you are looking for relief  from high taxes on your American investments, please read on. Loans starting from $50,000 USD are available to anyone with a minimum  600 credit score.  Financing is available for pre-construction, existing structures, or combination land/home packages.  The procedure  parallels the purchasing process that you experienced with home purchase in your own country.  Following the completion of a simple loan  application and approved credit, AHL will calculate the maximum loan amount for your proposed project.  After choosing your piece of  Mexican paradise, the loan application is finalized.  Within 90 days, you and your contractor can initiate work on your new Dream Home.AHL in conjunction with our US Corporation, Prestamos de Colorado, Inc. (PDC) a Colorado based mortgage company with offices in  Denver and Cancun, will assist you in accomplishing your desire to acquire property in Mexico and avoid the pitfalls that can come with any  purchase of this magnitude.  Representatives can be contacted in our U.S. office, or while down in the Cancun area you can meet with one of  our loan officers. Other alternative for financing is Conficasa Riviera Maya they  have joint offices in Houston, Texas and Playa Del Carmen, Mexico. All  loans are offered through major US lenders and most loans require a 20% down payment.  This explanation covered the most  important factors that show why is wise to invest in the Riviera Maya in general and in Playa del Carmen in particular.