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Your Path to Property
Ownership in Los Cabos
The Fideicomiso Explained
A Fideicomiso is a 50-year renewable bank trust that allows foreign buyers to legally own property in Mexico’s restricted zones, including all coastal areas like Los Cabos. Established with a Mexican bank as trustee, the buyer holds full rights as the beneficiary—meaning you can sell, lease, remodel, or pass the property on to heirs. This legal structure ensures long-term control and is the only permitted ownership method for non-Mexican citizens purchasing within the restricted zone.
Simple, Transparent, and Tailored to
Protect Foreign Buyers
Bank as Trustee
The Mexican government issues a permit to the bank of your choice, which holds the title in trust on your behalf.
You Are the Beneficiary
As the trust’s beneficiary, you hold all rights to use, sell, rent, improve, or pass the property to heirs.
full legal control
The trustee acts only on your instructions. This is not a lease—you enjoy all rights equal to property ownership in the U.S. or Canada.
What You Need to Know
Why do I need a Fideicomiso to buy property in Mexico?
Mexican law prohibits direct foreign ownership within 50 km (about 30 miles) of the coast and 100 km (about 60 miles) of international borders—areas known as the restricted zone. A Fideicomiso is a legal bank trust that enables foreign buyers to hold full ownership rights within these areas.
Who controls the property in a Fideicomiso?
You do. As the Beneficiary of the trust, you retain full control over the property. The bank serves only as the Trustee, holding legal title but acting solely on your instructions.
Is a Fideicomiso the same as a lease?
No. Unlike a lease, a Fideicomiso grants you full ownership rights—use, rent, sell, improve, or transfer the property just like a deeded owner.
How long does a Fideicomiso last?
The initial trust term is 50 years and can be renewed indefinitely in additional 50-year increments. This structure provides long-term legal security and peace of mind for foreign owners.
Can I pass my property to heirs?
Yes. You can designate secondary beneficiaries within the Fideicomiso, allowing the property to transfer to your heirs without interrupting ownership or requiring probate.
Can I choose any bank to hold the Fideicomiso?
Yes, but it must be a Mexican bank authorized to serve as a trustee. It’s strongly recommended to select a bank with local experience and a dedicated trust officer to ensure smoother communication and a more efficient closing process.