El gobierno mexicano ha hecho posible que los extranjeros adquieran propiedades en las zonas restringidas de México. Ahora los extranjeros pueden comprar propiedades frente a la playa, y muchos usarán esta propiedad como una propiedad de ingresos por alquiler. Durante años, los propietarios extranjeros no han pagado sus impuestos sobre la renta del alquiler. Los ingresos de las propiedades de vacaciones parecían caer bajo el radar de los ingresos imponibles en México, hasta hace poco. Ya sea que esté invirtiendo en México, haciendo negocios en México o retirándose en México, debe conocer el sistema tributario mexicano. Consulte a un abogado fiscal en México cuando realice una compra de inversión o alquile su casa. El Gobierno Federal espera que los propietarios extranjeros sigan las leyes fiscales mexicanas que conlleva la posesión de inversiones inmobiliarias en México. Cualquier propiedad de alquiler en México, ya sea una pequeña suite o un condominio de lujo, tanto si lo alquila a tiempo parcial y vive allí a tiempo parcial como si lo alquila a tiempo completo, se aplican estas leyes fiscales. Muchos propietarios extranjeros de viviendas en México no están cumpliendo con las leyes, ya sea que elijan no hacerlo, porque piensan que todo vale en México, o no están al tanto de las leyes fiscales mexicanas y el sistema fiscal. La realidad es que no puedes escapar de los impuestos, sin importar dónde vivas. Evitar estas leyes pondrá en riesgo sus hogares. Las leyes fiscales mexicanas se han vuelto más reglamentadas a lo largo de los años y el gobierno mexicano tiene procedimientos establecidos para actuar sobre aquellos que no informan este tipo de ingresos. Recientemente ha habido una ofensiva en Playa del Carmen, muchos propietarios que usan sus propiedades como alquileres de vacaciones han recibido un aviso para asegurarse de que estén registrados como alquileres y reclamen los ingresos que están recibiendo. La mayoría de los alquileres figuran en las redes sociales o en Airbnb, lo que facilita a los funcionarios del gobierno encontrar propiedades que se utilizan como alquiler. No es extraño que las autoridades basen los impuestos y las multas en un ingreso percibido de alquiler utilizando la tasa de ocupación de las áreas, que al final será mucho más costosa para usted. La sucursal del Servicio de Administración Tributaria (SAT) responsable de aplicar los impuestos a la Secretaría de Hacienda y Crédito Público, declara que habrá una tasa del 25% sobre los ingresos de un alquiler, antes de las deducciones. El impuesto debe pagarse dentro de los 15 días posteriores a la recepción de los ingresos, ya sea a través de un cajero bancario o mediante pagos en línea. Si no vive en México, deberá contar con un contador que se ocupe de sus gastos. Algunos propietarios extranjeros asumen que no necesitan pagar impuestos sobre la propiedad porque los ingresos por el alquiler se pagan a la cuenta bancaria de su país de origen, esto no es el caso. Cualquier propiedad de alquiler en México está sujeta a impuestos en México, sin importar a qué país o cuenta bancaria se pague el alquiler. Invertir y realizar los pagos del impuesto sobre la renta a SAT. Los gastos de la propiedad pueden deducirse con el recibo / factura correctos. Algunos deducibles pueden incluir tarifas de administración, impuestos a la propiedad, servicios públicos, reparaciones, mantenimiento, tarifas de estratos, seguros, depreciación y otros gastos de mantenimiento. Si su inquilino paga el alquiler a través de una compañía de fideicomiso, la compañía de fideicomiso debe emitir un recibo, retendrá el impuesto y pagará en su nombre. En caso de que los pagos se realicen en moneda extranjera, los impuestos se pagarán por conversión a pesos. Dado que sus ingresos de la propiedad de alquiler deben contabilizarse en su impuesto sobre la renta de los Estados Unidos o Canadá, no necesitará pagar el doble impuesto en México. Existen tratados fiscales mexicanos con los Estados Unidos y Canadá. Recuerde que los países del TLCAN comparten información sobre inversiones e impuestos sobre la renta, por lo que es importante informar sus ingresos por inversiones o ingresos por alquileres en ambos países. Para evitar la doble imposición, proporcione al gobierno mexicano una copia de su certificado de residencia fiscal o el impuesto sobre la renta más reciente, para demostrar que es residente en el país socio del tratado. Al crear una corporación mexicana, que solo requiere 2 propietarios, puede comprar una propiedad en un área restringida y usarla legalmente como alquiler de vacaciones. Crea un ingreso y disfruta de los beneficios de hacer negocios en México. También se debe el IVA Impuesto al Valor Agregado, que es como un impuesto a las ventas. Es el 16% en la Riviera Maya. El impuesto del IVA se debe sobre el monto bruto del alquiler cobrado por el plazo del alquiler y se puede cobrar al arrendatario. Discuta los pros y los contras de formar una corporación en Es muy importante que consulte con un contador para conocer el sistema tributario mexicano y las formas de evitar sanciones. Un equipo de contabilidad y abogados fiscales, como MexLaw, pueden ayudarlo a reducir sus impuestos y asegurarse de que reciba todos los deducibles y descuentos disponibles. Los dueños de propiedades que no cumplan con estas leyes pueden perder sus derechos como dueños de la propiedad, enfrentar una posible pena de cárcel, nes, deportación de México y venta forzada de la propiedad.
Category: Living in Mexico
Everyting You Need to Know About Medicare Abroad
Time and again, I get asked the questions, “Can I take my U.S. Medicare coverage with me when I move overseas?” It´s a simple question, but the answer is a little more complex. In effect, the answer is: Yes! But to figure out how, we need to look at things in a bit more detail.
What is Medicare?
Medicare is the U.S. federal health insurence program for people age 65 and over. It also extends to certain younger people with discabilities and those with ESRD.
How does Medicare work?
Medicare is divided into parts A,B,C and D. Part A and B make up Original Medicare and are usually received automatically at age 65. Together, they are designed to cover 80% of Medicare-approved services.
PART A: Covers Hospital stays, care in a skilled nursing facility , and home health-care , under certain circumstances.
PART B: Covers Medical Services received from a doctor and supplies that are medically necessary to treat your health condition. These can include outpatient care, preventive services, diagnostic services, ambulance services, and durable medical equipment.
PART C: Medical Advantage Plans, are a type of Medicare health plan offered by private insurance companies that contact with Medicare. Medicare advantage Plans provide all of part a, part b and in many cases part d benefits most advantage Plans include worldwide emergency care services.
PART D: Covers prescription drug coverage. It must be purchased separately as a stand-alon Part D policy, or in a MP-PD, Medicare Advantage Plan.
Medicare Supplements Plans, also called Medi-gap plans, are also offered by private insurance companies that contact with Medicare. They cover certain healthcare cost not covered by Original Medicare, such as deductibles, copayments, and the 20% (after deductible) co-insurance that Medicare alone does not cover. Some Supplement Plans offer worldwide coverage for urgently needed services and some of them do not. Read the Evidence of Coverage carefull. In addition to worldeide urgenly needed services, Plan G and F provide world traveler coverage for Medicare-approved services.
Now, onto the questions I hear regularly.
What if I plan to be a part-time retiree, living four to six months abroad each year, and then returning to the State for the year–what should I do about Medicare?
In this scenario, it would be advisable to maintain your Medicare A,B, and either an Advantage Plan or a Supplement Plan (Medi-Gap). For an Advantage Plan, you are required to maintain Parts A and B active, and to reside in the covarage area for a minimum of six mounth per year, Most Advantage Plans have low or zero premiums , and they include worldwine emergency medical covarage. For a Supplement Plan you are required maintain Plan A and B, and to reside in the state that issues the Plan. Plans F and G include worldwine emergency care, as well as foreign travel coverage for Medicare-approved services. When receiving medical care during foreign travel , you most pay $250 deductible, 20% of all services costs, and all amounts over $50,000 lifetime maximum for world foreign travel coverage. You must pay for services upfront and submit proof of payment to your carrier for reimbursement.
I plan to live full-time overseas— but I suppose there’s always the chance I’ll return to the U.S. when I’m older, if my circumstances change. Is it worth my while to maintain any portion of Medicare, on the off chance that I’ll need it? What are the pluses and minuses of doing so?
There are two basic requirements to maintain Medicare Parts A and B. The recipient must maintain his or her citizenship or legal status in the U.S. and he/she must stay current with the Part B premiums. There is currently no residence requirement for Original Medicare (Part A and B).
In most cases, Part A has no monthly premium and it is expensive to re-purchase later. Therefore, there is seldom any reason to drop your Part A covarage. Part B has an increasing monthly premium: for 2018, it has an average cost per month of $134 However, there are several reasons that make it worthwhile to keep Part B. These include being able to take up coverage the day you return to the U.S. or its territories, avoiding any monetary or timing penalties upon reapplication, and the freedom to apply for either an Advantage or Supplement Plan as soon as your return to the U.S
Example 1. Janice Smith loses her husband while living in Thailand. She decides to return to the the U.S. and live out her day close to her children and grandchildren, Because she has kept both Part A and B, she will have first-day coverage when she returns to the U.S. with no penalties or premium increases for being absent from the U.S. she can immediatly apply on june 30, she will be covered on july 1. If she is over 65 and three months old she will have to undergo medical underwriting (based on the health criteria of the issuing company) in order to quality for a supplement Plan, but not for an Advantage plan.
Example 2. While living in Thailand, Janice and her husband decide to discontinue their Part B coverage. A few years later, Janice loses her husband while living in Thailand. If she returns from Thailand after March 31, she must wait until January of the following year to being Part B coverage. Whenever she return to the U.S. she will pay a penalty when she reap-plies for Part B coverage. If she applies for a supplement, she wil have to queality for coverage based on the health criteria of issuing company.
Always weigh your options before dropping Part B coverage when beginning your expat life.
I plan to be a “roving retiree” and spend a few years traveling in retirement before retuning to the U.S. At that point. I figure I may spend part of the year away and part of the year Stateside. What should I do about Medicare? Is it worth paying for it even while I´m traveling?
Balancing the cost of maintaining Medicare coverage while living and travelling outside the U.S. depends on individual circumstances, In the end, the decision is personal to each of us. However, certain principles apply to most situations.
If the “roving retiree maintains residence in the U.S. he/she could maintain Parts A and B, and keep the Supplement Plan in force.
The advantages of doing that are:
- Having access to worldwine emergency and traveler coverage while out to the States, via the F or G supplements Plan.
- If an emergency return to the U.S. is needed, being fully covered immediatly upon re-entry.
- Not having to undergo health underwriting for a supplement Plan upon return to the U.S.
The disavantage are:
- Having to continue to pay Plan B and Supplement premiums.
- Maintaining legal residence in the U.S. while traveling abroad.
If the retiree discontinues Part B, the supplement in terminated. The retiree would then face the same time delays and monetary penalties to renew coverage that we saw in the Example 2 scenerio of Janice Smith living in Thailand.
Wherever you maintain residence or not, if you drop Part B, your face the same time delays and penalties when you reapply for coverage.
Do I have to keep as address in the U.S. to Medicare coverage? For instance, if I am resident in Costa Rica, and I’ve arranged my finances so that I no longer have a state income tax liability (beacause I left the U.S. from Florida, which doesn’t have state income tax)… do I still need to maintain some sort of Florida address in order to maintain my Medicare coverage?
This question concerns eligibility and residence.
Eligibility for Medicare Part A and B depends on your legal status in the United States, not on residence. If you meet the requeirements for Part A and B, you are not required to maintain residence in the U.S.
Eligibility fot both Medicare supplement Insurance and Medicare Advantage Plans requires that you maintain both Part A and B of Medicare and legally reside within the coverage area, And remember: You can only maintain Part B if you continue to pay your Part B premium if you continue to pay your Part B premium.
For Advantage Plans, you must maintain residence for a period of six months per calendar year within your policy’s coverage area. Coverage are for Advantage Plans in most commonly based on the country you live in. Medicare Supplement Plans required that you reside in the issuing state. Usually, residence is defined as the llocation where the costumer files his tax return. Both policies required a Physical address in the coverage area and will not accept P.O. Boxes.
An examples: I was talking with an expat recently who informed me that he and his wif have take out residence in Baja California, he then state that they have no more liability for state tax. However, he keeps a Medicare Supplement Plan for future use in case he needs it.
This idea is a sticky one because of residence requirements. It could possibly place one at odds with Medicare fraud, waste, and abuse (Federal), as well as state tax evasion.
Although government agencies have been lax in coordinating statistics in the past Medicare fraud is a Hot-button issue, and it is expected to be increasingly enforced in the future.
Fraud, waste, and abuse is a major concern of the Centers for Medicare and Medicaid Services (CMS) and it’s a required course each year for agent renewals. Every year we see the requirements for reporting– and the penalties for nonreporting– becoming more burdensome. Once reportes, most cases are aggressively investigated
Baja and Rosarito homes for sale
En Re / max Baja Realty, anteriormente Rosarito Beach Real Estate, tenemos casas en venta en Baja y especialmente en Rosarito que se ajustan a su presupuesto. Somos la agencia de bienes raíces de mayor reputación en la región de Baja México, y estamos aquí para ayudarlo a encontrar la casa de sus sueños en este increíble rincón del mundo. Imagínense: ¡podría estar disfrutando de una impresionante belleza frente al mar, directamente desde su puerta! Desde playas vírgenes hasta aguas cristalinas y azules, puedes vivir la vida en el paraíso todos los días.
Tenemos muchos sitios de desarrollo que están disponibles en una variedad de contactos en toda la región de Baja California. Puedes vivir tus sueños con todo lo que esperas en términos de comodidad y conveniencia, incluyendo compras de primer nivel, pesca, golf y más. Además, hay nuevas propiedades que se construyen constantemente. Puede comprar su casa hoy o considerar hacer una inversión en una propiedad que aún se está considerando.
En Remaxbaja.com, tenemos hermosas casas en comunidades planificadas, áreas frente a la playa ya lo largo de pintorescas carreteras mexicanas. Algunas de las casas en venta en Baja California incluyen diseños abiertos, diseños de garajes para uno y dos autos, casas en condominios, áticos y muchos más.
Ofrecemos un servicio completo de corretaje de bienes raíces con más de 80 años de experiencia familiar en la región de Baja California para respaldarlo. Contáctenos a través de nuestro sitio web o por correo electrónico a rosaritobeach@topproducer.com < / a>. O 619-632-7045. Podremos responder a sus preguntas sobre bienes raíces y ayudarlo a encontrar el hogar adecuado para invertir. Con más ventas comprobadas que cualquier otra agencia en el área norte de Baja California, la familia Gustavo Torres en Rosarito Beach Real Estate está aquí para ayudarlo. El sueño de ser propietario de una casa en Baja se hace realidad.
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Con Trump como presidente, más estadounidenses se mudan a México
Por Uniradio Informa
los mensaje del presidente Donald Trump hacía los mexicanos, ha sido factor para que muchos estadounidenses prefieran vivir mejor en México que en su propio país.
Danielle Williams, estadunidenses radicada en México dijo al respecto “tengo un punto pues de opinión un poquito diferente, yo creo, y el wall (muro) a mí me parece buena idea, para que se queden los norteamericanos allá”.
A media hora de San Diego, California, se localiza Playas de Rosarito, una de las ciudades predilectas por los estadounidenses para vivir, Vickie tiene ya 25 años radicando en un suburbio al Sur de esta ciudad mexicana.
“México es mi nuevo país, personas muy, muy simpáticas, mucho ‘respect’ para americanas, etcétera, tengo seguridad en mi vida, pues ellos te ayudan todo el tiempo, es más relax y me gusta todo”, dijo.
Ha sido el mal manejo sobre la economía que ha tenido Donald Trump, la causa por la que ellos estén migrando del norte al sur, refiere Danielle.
“En California es muy, muy caro como sabes, para tener así un departamento cerca del mar, entonces me vine a Rosarito Beach Baja, que es lo más cerca de la frontera. creo que realmente son por razones económicas nada más, lo de Trump si hace mucho ruido, hace muchas pláticas”, externó.
En palacio municipal de Playas de Rosarito opera una oficina para facilitarles cualquier trámite que requieran los residentes extranjeros en esta ciudad, explicó Alexander Magnum, coordinador de Relaciones Internacionales de Playas de Rosarito.
“San Miguel de allende antes era número uno, pero yo estuve hace ahí como dos, tres meses y me informaron que ya Rosarito Beach Baja pasó mucho a ellos, ahorita contamos dentro de 15 hasta 18 mil extranjeros que viven en Playas de Rosarito”, agregó.
En los últimos dos años se ha vuelto una constante la regularización de estadounidenses en territorio mexicano.
“El número es constante, mes tras tras mes recibimos un número importante y ellos están viviendo legalmente en México”, sostuvo.
Desde que el presidente Donald Trump asumió el poder, la comunidad estadunidense en territorio mexicano ha crecido lentamente, aquí en Baja California se habla que son alrededor de 100 mil habitantes.
Seis años de grandes logros!!
PROMOCIÓN DEL DESTINO
como un hecho sin precedente, se identificaron las vocaciones turísticas del estado y sus principales 7 destinos.
Se Creó una marca turística
Reconoce su competitividad turística y lo eleva a la tendencia mundial de promoción.
el vídeo promocional de BAJA NORTE, LA CONQUISTA DE TU VIDA, único en latinoamericana galardonado por el terres festival, en tortosa, España.
presentaciones de destino en las principales ciudades de México y el extranjero.
- Incremento de 132% en la recaudacion de ISH (Impuestos sobre hospedaje)
- Ahorro del 83.39% en gastos administrativos en comparación con 2014
- 6to estado del país en regular recaudado de empresas de hospedaje a través de plataformas digitales (AirBnB)
La ruta del Vino
La ruta del vino fue reconocida como “LA MEJOR RUTA TURÍSTICA DE MÉXICO” durante de tianguis Turístico 2019 con mas de 900 mil visitantes anuales.
FORTALECIMIENTO DEL SECTOR TURÍSTICO
Se invirtieron más de $428 MDP en el mejoramiento y equipamiento de zonas Turísticas como:
- Parque Benito Juarez Tecate
- Gestión para sellado y pavimentación de la Carretera Transpeninsular (en conjunto con la Secretaría de Comunicaciones y transporte)
- Parque Público de Playas de Tijuana
- Mejoramiento de “Zona de Rosarito”
- Infraestructura y equipamiento del Aeropuerto Internacional de San Felipe
El Aeropuerto internacional de Mexicali, (2018) el de mayor crecimiento en México:
- 13 nuevas rutas
- Incremento de 123% en el arribo de pasajeros, 2018: más de 1 millón
El aeropuerto Internacional de Tijuana segundo mejor conectado con 7.9 millones de pasajeros en 2018
- El puerto de cruceros de Ensenada ocupa el primer lugar en el Pacífico
- 650 mil cruceristas
- Derrama economica de $26 MDP
FOMENTO A LA INVERSIÓN
- Se captó una inversión privada de $17,526 MDP
- Más del 32% invertido por la iniciativa privada en 38 nuevos hoteles
- Se entregaron 127 apoyos para MiPyME Turisticas de $17.78 MDP
NUEVA RUTA SAN DIEGO CA, ROSARITO BEACH
No mas lineas para entrar a EE. UU. el primer transporte de ida y vuela
SDTJ el primer que ha logrado tener éxito en este 2019
ASISTENCIA Y FACILITACÓN AL VISITANTE
- Más de 350 mil visitantes atendidos
- Línea de Asistencia 078
- Oficinas, módulos y centros de información
- Apertura de 4 nuevos centros de información turística
- 2 en Playas de Rosarito
- 1 en Valle de Guadalupe
- 1 en “Ped East” en Tijuana
- Más de 19 mil servidores turisticos capacitados
- Preparamos y acreditamos a 77 nuevos guías de turista
SEGMENTOS DE GRAN OPORTUNIDAD
TURISMO DE SALUD
- Primer y único estado de México con Política Pública para el Impulso al Turismo de Salud y Bienestar
- Creación de la plataforma de promoción responsable: Baja Healt Tourism
- Gestión de inversión privada de más de $460 MDD en proyectos de salud y bienestar en el estado.
TURISMO DE AVENTURA Y NATURALEZA
- Señalización de 6 senderos en Baja California para la seguridad del visitante
- Por primera vez se coordinó la acreditación de Guías Excursionistas por la norma federal
INDUSTRIA FÍLMICA
- Apoyo a 462 producciones fílmicas
- 8 mil empleos
- 198 mil cuartos noche
- Derrama económica de más de $70 MDD
TURISMO DE REUNIONES
- Baja California Center
- 407 eventos con 1`442,949 asistentes
- Derrama económica de $1,198 MDP
- Único autosuficiente!
RESULTADOS
2013-2019
| 2019 | INCREMENTO | |
| PIB TURÍSTICO | $33,010 MDP | 17.30% |
| EMPLEOS | 169,540 | 21.58% |
| PASAJEROS AÉREOS | + DE 9 MILLONES | 92% |
Millones de Dólares a comparación del año 2013, información parcial y estimada.
OCUPACIÓN HOTELERA
- Crecimiento de 13.4 pp* (puntos porcentuales)
- Durante el año 2018 4´082,663 cuartos ocupados
TABLA COMPARATIVA
| 2013 | 2019 |
| 39.81% | 53.17% |
2019 Más de 27.6 Millones de viajeron (20% más que en 2013), Consumo turistico de mas de $120,676 MDP (27% más que en 2013)
Todas las acciones se realizaron con procesos de planiación participativa, en base a estudios como el “Perfil del Visitante de Baja California 2016”, como el “Estudio de Impacto Económico del Turismo en Baja California”, así como programas de desarrollo turístico, entre otros.
Guide to Buy a property in Baja, Mexico
Before carrying out the purchase and sale operation, it is important to take into account some factors that will determine the purchase of the desired property, since when engaging in a credit of 10, 15 or 20 years it is necessary to generate a commitment, not only with the seller / owner and / or the financial institution, but also with your own pocket.
1.- SALARY CONSIDERATIONS:
The Salary is the first thing you should pay attention to, because it depends on you acquire the property, From the total of your net monthly income (and after corresponding deductions) it is desirable to schedule that 30% of i is destined to the payment of the mortgage. We suggest you not exceed this percentage to avoid bleeding your personal finances and, in addition, divide the money, in this way it will give you opportunity to be flexible whit additional expenses that arise along the way. To give an example: if you earn 20thousand pesos, separate six thousand pesos for mortgage payment and make sure you have a significant savings for the down payment.
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- The Down Payment is the amount you will have to pay as a down payment, usually in Mexico, a base of 30% of the total value of the property is established, but it value of the property is established, but it varies depending on the type of mortgage you obtain or of the property is going to be settled in cash. Anyway, it is not bad that you start thinking about this percentage.
- To get a loan, it is prudent to have a clean credit history with no debts. This, will set the pattern to delimit the percentage of credit that the financial institution will grant. Therefore, we recommend that you consult the credit bureau (free service), which gives visibility of the status of your history in this matter, to find out if it is appropriate to liquidate the past due balances, as well as improve your background.
- There are some payment you should keep in mind before taking the big step. For this reason, we suggest that 70% of you salary is more than enough, apart from10 to 20 percent for additional ones such as the property, the notarial procedures and any structural or superficial improvement that you wish to do in the selected space.
- Briefly, we can say that the notarial procedures include the deed (among which are the taxes of the sale of the property), the rights derived from the operation performed and the notarial fees, which are paid 100% by the buyer.
2.- SEARCH PARAMETERS:
With the aforementioned criteria put on the table: with the amount you are going to allocate from your salary to buy a house or apartment, as well as additional expenses also mentioned and with a credit history without penalty, it is time to take the next step, which It is usually the one with the greatest illusion.
All this process is the result of questioning if one wants a new or used property, be it a house or apartment, or if you prefer to buy it under the pre-sale model.
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- PRE-SALE: The figure of the pre-sale of Real estate has the advantage that the buyer acquires a previous property or during the construction process and while paying it at a given initial price is prepared to inhabit it at the moment the developer delivers the keys. This means that the price is taken as an opportunity, but we must not forget that it has a pair of Achilles heels: guarantee delivery times and not be able to live immediately.
- NEW: Buying a new property has the quality that nobody has touched it more than its builders. This brings benefits from the perspective that generally they do not present any damage, but the drawback is that many of these do not come fully equipped with all its components: kitchen, closets, floors, among others. That’s why we suggest you consider every aspect of your decision.
- USED: This type of housing describes itself. It has the advantage that it is easier to negotiate the price taking into account the state of the property. Damages such as cracks, paint, locks or the last waterproofing are a good reference to counter the conditions of the sale, as they are additional expenses that you will have to do to live in an optimal space
- If you are one of the people who prefer to have total privacy, you should look for a house, because it has the advantage of not sharing the cost of maintenance, nor the common areas. However, the majority of the horizontal housing stock detracts from the lack of security, which is often found in vertical housing developments, which becomes an additional expense in maintenance when living in the apartment.
3.- RESOURCES FOR THE SEARCH
Not long ago, The search for property was a weekend theme, where you took the family for a drive and took don the phones that are displayed outside the properties and then dial and get in touch with the owner or Real estate agent.
- Using Real estate ports optimizes the time of those interested, proving greater visibility of properties (in terms of volume) in less time. At the moment you enter the portal, check the description well, place where the dimensions of the properties for sale, the distribution (room, bathrooms, living room, garden, etc.), facilities, services and amenities are presented, Pay attention to the photographs of the house or apartment, these have to be of good quality giving a real picture of what you will find when visiting for the first time. During the visit, check that it looks exactly as shown.
- Direct contact with the owner. The owner does not always have the experience that an agent or Real estatesales consultant has, that is why you will be the o who asks the questions and tries to be very incisive taking into consideration the points that we have already addressed in this property Purchase Guide
- Deal with an intermediary / Real estate Agent. This type treatment the protagonism of the owner, who gives the responsibility of the sale of property to a Real estate Agent, Broker or intermediary. This usually has preparation in the Real estate business and will take you by the hand throughout the process to be your guide, whether you work independently (have your own brand of Real estateagency) or be part of an agency real estate already recognized in Mexico.
- Deal with the Real estate Development sales team: When it comes to a new property, it is possible that the Real estate project of you interest has a “showroom” or sales booth whit a person who attends you. This person, whom we will call sales consultant, like the Real estate agent is the one who will give continuity throughout the process, from the first vist, teach the documentation, even in many cases, follow up the credit issue
4.- VISIT THE PROPERTIES
- Review of the state of the property. Each time you visit a property option, we suggest you do the following exercises: Open and close keys, closets, doors, etc… make sure they all work without problem. Check that the gas, electricity and water installations are in good condition, without leaks, that turn on all the dampers, that water comes out of the tap and that it serves the lever of the toilet correctly. Take a look at the surrounding streets and the colony on foot, make sure it is the place where you want to live, observe the state of the asphalt, if you have the opportunity to talk with a neighbor to give you their opinion, maybe you know the owner of the property you are visiting. It locates the polices stations, firemen, Nearest medical Center. This will help you have more peace of mind in the long run
- Property and services: Ask the owner, agent or Real estate consultant to show you the current payment of the property tax and all services such as electricity, water, maintenance (in case of loving in group or condominium.
- The Structural Safety Report, which guarantees that the property is in optimal conditions to be inhabited. If you do not have this one, you can ask a Director Responsible for Work (DRO) or Structural Security Correspondent (CSE) to do a study. It also requests the plans and the deed to confirm that the property is in the name of the owner and there is no impediment to the operation. Many of the current developments have sustainability certificates, to demonstrate that they are friendly to the environment; It would be pertinent for you to ask about them.
- Never commit ti deposit or transfer money to someone you have not met in person.
- Always try to verify the identity of the person you are dealing with and confirm that it is really a Real estate Agent or the owner.
- Search for properties in reliable Real estate Agencies or trusted websites click here
- Always insist on inspecting the property for yourself. If the owner or Agent say that it is not possible to do it for some reason or another, or is not available discard the agreement
5.- DECISION-MAKING PRIOR TO PURCHASE OF THE PROPERTY
Do not close, we advise you to make more than one visit so you can compare and go for the best option for your pocket and lifestyle. Compare will always be a good opportunity to analyze the pros and cons of each of the spaces that interest you.
- Price Comparison of the select colony: One of the easiest ways to compare prices of the selected colony, is to resort to Real estate portals, where you can examine more than 10 properties with similar characteristics and with it, make the final decision. Doing this will save you lot of time and provide you with a wider visibility into the behavior of market prices.
- You can also take the phone and call numbers of other properties, even if they are not of your interest to know the prices that are being offered in the area of interest. It is also important to make an analysis of the strengths and weaknesses of all properties previously visited, here you are at least steps from making you dream come true
- Strengths: The things that make more coherence in your search are those that become your strengths; everything that you liked, from the property to the seller’s treatment.
- Weaknesses: Everything that makes you noise, that does not match your search parameters, which detracts from you evaluation. Consider choosing the owner with the most strengths over weaknesses, if you reach a tie, return to the analysis taking into account aspects that you had not previously addressed.
6.- FINANCING OPTION
After choosing the property for sale that fits all your criteria or parameters, proceed to go to any financial institution to apply for a mortgage
- Mortgage Credit:
Traditional, This type of loan works under the loan scheme of financial institution, assigning the borrower a certain amount that must be paid in installments during a certain periods of time (10,15,20 years). Its peculiarity is that it is only granted by an institution and nor in conjunction with others.
Co-financing, Unlike traditional credit, the co-financing scheme works when a financial institution whether it is called private banking or public bodies (infonavit or fovissste) approves a loan, allowing the borrower to leverage another financial resource (credit from another organization). It has the peculiarity that can increase the amount of the loan
Conjugal, Unlike the aforementioned, the conjugal credit, as the name implies, is ti collect the amount that each of the indiciduals that make up a conjugal partnership raised in its history of Infonavit or Fovissste. The advantage is that they can be combined both the score and the request for a loan in private banking to increase their credit capacity - Institutions:
Infonavit, The Institute of the National Housing Fund (infonavit) For Workers is an institution where the workers sector, the business sector and the government unilaterally contribute. It is a mortgage that aims ti help those who want to buy a home (new or used) as well as those who want to build a home on their own land. In addition, if you later plan to espand, repair or improve the property, it is possible to obtain financing for these purposes. And if it is necessary to pay the mortgage that was obtained from another financial institution, such can be with the Infonavit
Fovissste, The Housing Fund of the Institute of Security and Social Services of State Workers (Fovissste) is an entity that has the objective of granting mortgages to Mexicans who work in a public institution. So, it is very possible that, if you are interested in buying a home and work in a state agency, consider the Fovissste to obtain financing, for this, we inform you,briefly, what are some of the best-known credit modalities that this housing fund confers
Commercial Bank, Commercial banking is the set of banksthat execute operations of liabilities and assets, such as deposits, loans, as basic investment products. How will you bank evaluate you? Once you have chosen an institution to applyfor a mortgage, you will be studied and qualifield, Your credit history and income will be thoroughly reviewed: one, two, three… as many time as the bank deems necessary. At the Time of evaluation, bank are usually interesed in your debts, unpaid payments of other credits or if you have ever declared bankruptcy or evaded financial responsabilities of any kind.
7.- FORMALIZE THE PURCHASE
In the purchase contract it is essential that all points are put on the table without exceptions, both the obligations of the seller and the buyer, the final amount negotiated, as well as the conditions under which the property will be delivered.
Within the contact the following points should be developed punctually:
- Obligations of the seller to abide by the negotiated price, deliver the property in a timely manner as stipuled in the document, and that the property is free of debits or encumbrances, in addition to being involved in a legal process
- Obligations of the buyer where he finds that he has the financial capacity to liquidate the total amount of the property and where it is assured that he will be the next owner of the property in question.
- Final amount after negotation, showing the compliance of both parties.
- Weel-stipuled devilery dates so that the inconvenience between seller and buyer does nor arise.
- Delivery of documents from both parties to the notary to carry out the corresponding procedures after concluding the payment of the mortgage.
- Notarial procedures:
Official identification of the seller and marriage certificate in case the owner is married and has a co-ownership whit his partner or someone else
In case the seller is a commercial company, request the identification of the legal representative subscribed in the previous deed
have the property title or notarial deed registeres in the public register of property with the information of the location and simensions of the property, the name of the owner and the regime under which acquired the property
Have available the documentation that proves that it is free or service debt, the property tax of the last five years and tax. The letter refers to the mortgages of mortgage loans or problems of seizure of the property
Official identification / birth certificate of the buyer and his spouse, in case of signing jointly, as well as the marriage certificate of the buyers in question
If a mortgage was paid, ask the issuing institution to deliver a credit release letter. - Payment to the Notary:
Consider that the expenses of the notary´s fees are paid by whoever buys, but remember that resolving doubts does nor generate any costsince the advice and consultancy is offered free of charge, throughout the country - Transfer of Property:
The transfer of property is an act of a formal nature where a person with property rights over a certain asset transfers these rights to another person. In Other words, as a result of the transfer of property the previous owner of the property ceases to be and now there is another person who has rights over the property
FOR MORE INFOMATION CLICK HERE
Inversiones en Bienes Raíces para jóvenes emprendedores
Según datos de algunos estudios recientes elaborados por firmas de administración de inversión y servicios de asesoría, sobre cómo actúan los jóvenes en tema de inversiones, se especificó que aquellos que nacieron entre 1982 y el 2002 actúan de manera muy conservadora con sus inversiones.
En México este sector constituye, según el Instituto Nacional de Estadística y Geografía (Inegi), aproximadamente una cuarta parte de la población mexicana, es decir, alrededor de 30 millones; asimismo, representa un reto para el sistema financiero nacional, ya que lo califican como difícil, conflictivo y poco paciente.
Realmente, como estamos hablando de que es una generación nueva, normalmente no cuenta con fuertes capitales para poder invertir en muchos sectores, no cuentan con un hábito de ahorro, están en búsqueda de oportunidades y de formar un patrimonio, de armar su estilo de vida (…) La tecnología se vuelve una muy buen aliada en esta generación. Dado que no hay tantos recursos y están empezando su vida laboral, el hábito de montos chicos es lo esencial para poder incurrir en el medio financiero, los procesos muy burocráticos del sistema financiero se vuelve muy tedioso para ellos y realmente el tema de la confianza en la tecnología cobra fuerza , explicó David Agmon Mizrah, director ejecutivo de Inverspot.
Ante esto, instrumentos como los fideicomisos de inversión en bienes raíces (fibras), los certificados de capital (CKD) y el crowdfunding inmobiliario son considerados por los expertos como opciones hasta cierto punto seguras para invertir.
El tema inmobiliario es una muy buena forma de invertir y es hasta cierto punto segura, porque tienes la garantía del inmueble y del terreno, hay demanda al mismo tiempo que estás ahorrando, entras a una industria muy redituable, ya que se encuentra en un constante aumento de precios , consideró David Agmon Mizrah.
Según la definición de la Bolsa Mexicana de Valores (BMV), los CKD se definen como títulos o valores fiduciarios destinados para el financiamiento de uno o más proyectos. Los rendimientos otorgados no son producto del pago de principal ni de intereses predeterminados, sino del usufructo y beneficios de cada proyecto.
En otro apartado se encuentran los fibras, que son vehículos destinados al financiamiento para la adquisición o construcción de inmuebles. El inversionista tendrá seguridad de que se cuenta con un marco legal institucional, con información periódica, gobierno corporativo y transparencia operativa, además de tener dos fuentes posibles de rendimiento: flujos por las rentas y plusvalía por la revaluación.
Los expertos invitan a aquellas personas que quieran invertir en estos instrumentos a analizar a fondo los proyectos en los que lo harán.
Otra opción reciente para aquellos interesados en invertir su capital en bienes raíces es el crowdfunding inmobiliario, que se ayudan de plataformas en Internet para hacer más práctico el proceso de inversión.
Los jóvenes ocupan esta herramienta porque al final es un medio tecnológico y accesible; al tener montos bajos, te permite invertir en el sector inmobiliario, que estamos acostumbrados a que se inviertan montos muy altos eso es lo que hace atractiva esta propuesta , comentó el director de Inverspot.
Asimismo, identificó que a pesar de que en los tres casos se invierte en bienes raíces, existen algunas diferencias notorias entre cada una.
Los fibras tienen los cientos de millones que manejan porque es una industria segura, hasta cierto punto hay una similitud: le estamos apostando a lo mismo. La diferencia radica principalmente en que una es Bolsa y en ésta depende mucho del valor del marcado que la gente quiera comprar y vender sus acciones, y en el crowdfunding no se tiene eso, le estamos apostando a la industria de la construcción actual sin la volatilidad, sin este apostar, por así llamarle, en la Bolsa, esto hace que plataformas como Inverspot sean menos volátiles y que los estimados se lleguen a cumplir con más certeza. Por ejemplo, los fibras han sufrido con la llegada de Trump al poder que ha causado volatilidad , explicó.
Otra diferencia es que los fibras tienen muchos proyectos juntos: en un solo fideicomiso te vuelves dueño de varias propiedades y en el financiamiento colectivo se ponen los proyectos a disposición de las personas para que ellas decidan en cuál inyectar su dinero.
Por último el especialista refirió que a pesar de que esta generación suele ser muy impaciente, invertir en el sector inmobiliario y en crowdfunding suele ser una gran opción para jóvenes de estas características, debido a que existen proyectos que no son a largo plazo.
Si tu que estas leyendo este articulo eres Jovén y no sabes donde invertir de manera segura, esta es tu mejor opción.
En RE/MAX Baja Realty tenemos todo tipo de inmuebles y en las zonas mas comerciales, turiticas y con las vistas mas hermosas de Rosarito, Ensenada, Valle de Guadalupe y Tijuana.
Gustavo Torres
(619) 270 5446
Invest in Bank Owned in Baja
Want to buy a foreclosed property?
Want to buy a foreclosed property?
To find these properties please call or email Us, or check our MLS listings on this page : www.bajaInvestment.com
Get valuable tips to help you make informed decisions.
The sharp downturn in the economy opened the foreclosure floodgates. And the tide is now turning, finally!
REMAX Baja Realty has been trusted with many key REO foreclosed homes in the northern Baja area by the leading banks!
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Purchasing real estate in Mexico
Baja California real estate in Rosarito Beach and Ensenada is located only a short distance from downtown San Diego, california, and only 120 miles from Los Angeles.
At Rosarito Beach Real Estate, we have the staff to assist you in every type of real estate purchase. Whether you’re interested in purchasing investment property in Baja or finding the perfect vacation or retirement home, we have the best properties you’re likely to find.
As a long-term REMAX franchise associate, we are among the leaders in education regarding the local real estate market. We have the experience to answer all your questions about your Baja California real estate purchase, whether this is your first real estate transaction or you’re experienced in real estate. If you’re considering foreign ownership of property in Mexico, you need the experience Rosarito Beach Real Estate.
There are very specific rules and regulations regarding the purchase of property by a foreigner in Mexico. To help make your investment go smoothly, we have a professional staff with the expertise to assist you in parsing Mexican real estate law. Our reputation for top-notch customer service and our recognition as a Re/Max associate lets you rest assured that you’re working the best team the Baja California real estate market has to offer!
Let us take the work out of finding your next investment home. We have all the information you need on our casaslink.com website. Contact us in Mexico at 661-100-2076, or toll-free from the United States at 1-866-LUV-BAJA (588-2252). You may also reach us at 1-619-270-5446, and if you prefer, you can email us at rosaritobeach@topproducer.com. We look forward to working with you!
Invest in Bank owned properties in Baja
Want to buy a foreclosed property?
To find these properties please call or email Us,
or check our MLS listings on this page:
www.bajaInvestment.com & www.RemaxBaja.com
Get valuable tips to help you make informed decisions.
The sharp downturn in the economy opened the foreclosure floodgates. And the tide is now turning, finally!
REMAX Baja Realty has been trusted with many key REO foreclosed homes in the northern Baja area by the leading banks!
Now is an excellent time for home buyers, second home buyers and investors… because the bank-foreclosed home market is perfect for investing in real estate in Baja California.. The economy is now turning around, so getting title to a Baja foreclosure property now will likely have increased value in the future here in Rosarito Beach, Ensenada and Tijuana, Baja California!
Get more information… click here!
Call or email at Remax Baja Realty right now!
info@bajainvestment.com
Toll Free: 1 866 588 2252
US 619-270-5446
Mex 664-100 2076