# Flat.mx

> Flat.mx offers fixed-rate mortgage loans (créditos hipotecarios) in Mexican Pesos for foreigners buying property in Mexico — no visa, no residency, no citizenship required.

Flat.mx is a Mexican fintech lender focused exclusively on foreign nationals purchasing real estate in Mexico. Borrowers do not need a Mexican visa, residency permit, or any immigration status to apply. Loans are disbursed in MXN (Mexican Pesos) at a fixed annual interest rate of 17.99%, with terms of 5, 7, 10, 15, or 20 years. Loan amounts start at MXN 1,000,000. The platform serves buyers across Mexico's top real estate markets: CDMX, Riviera Maya, Cancún, Los Cabos, Puerto Vallarta, San Miguel de Allende, and Mérida.

## Product

- [Loan Calculator](https://flat.mx/#calculator): Simulate your monthly payment, down payment, and total cost using the French amortization method. Input: property value, LTV (10%–90%), and term.
- [Eligibility Checker](https://flat.mx/#eligibility): Estimate your eligibility score based on nationality, income level, property value, and zone. Score: high / medium / low.
- [Contact](https://flat.mx/#contact): Submit your information to receive a personalized quote. Response time commitment: 48 hours.

## Key Terms

- Fixed annual interest rate: 17.99%
- Available terms: 5, 7, 10, 15, 20 years
- Minimum loan amount: MXN 1,000,000
- Maximum recommended loan: MXN 20,000,000 (soft limit)
- LTV range: 10%–90% (above 70% reduces eligibility score)
- Currency: MXN only — loans are never denominated in USD
- Origination fee by zone: CDMX 2.5%, Riviera Maya 3%, Los Cabos 3%, Puerto Vallarta 2.5%, San Miguel de Allende 2%, Mérida 2%, other 2.5%
- No visa, residency, or Mexican citizenship required
- Amortization method: French (equal monthly payments)

## Blog — Financial Education

- [What Is a Down Payment and How Does It Work in Mexico?](https://flat.mx/blog/down-payment-guide-mexico): What is a down payment (enganche) in Mexico, how it is calculated, and how it impacts the approval and monthly payment of your mortgage.
- [Does Paying Off Your Mortgage Early Really Save on Interest?](https://flat.mx/blog/amortize-mortgage-save-interest): Early mortgage amortization in Mexico: when it makes sense, how much you save on interest, and the risks and disadvantages of paying ahead of schedule.
- [Mortgage Interest Rates in Mexico: How They Work and How They Affect Your Loan](https://flat.mx/blog/mortgage-interest-rates-mexico): Mortgage interest rates in Mexico: fixed, variable, and mixed. How they are calculated, what the CAT is, and how to choose the best option for foreign buyers.

## Blog — Real Estate Market

- [The 7 Best Destinations to Invest in Property in Mexico](https://flat.mx/blog/top-investment-destinations-mexico): Best destinations to invest in property in Mexico: Riviera Maya, Los Cabos, Puerto Vallarta, La Paz, Mérida, San Pedro Garza García, and San Miguel de Allende.
- [Puerto Vallarta's Most Popular Neighborhoods to Live and Invest](https://flat.mx/blog/best-neighborhoods-puerto-vallarta): Best neighborhoods in Puerto Vallarta to live and invest: Fluvial Vallarta, 5 de Diciembre, and Zona Romántica.
- [Why Choose Mérida to Live? A Look at the Heart of Yucatán](https://flat.mx/blog/why-live-in-merida): Advantages of living in Mérida, Yucatán: safety, healthcare, education, quality of life, and tourism. Why Mérida is one of the best Mexican cities for foreigners.

## Blog — Practical Guide

- [The 5 Best Cities in Mexico for a Peaceful Retirement](https://flat.mx/blog/best-retirement-cities-mexico): Best cities in Mexico for foreign retirees: Querétaro, San Miguel de Allende, Mérida, Puebla, and Puerto Vallarta.

## Legal

- [Privacy Policy](https://flat.mx/privacy-policy): Data handling, personal information use, and user rights under Mexican privacy law.
- [Terms of Service](https://flat.mx/terms-of-service): Terms governing the use of the Flat.mx platform and services.

## Contact

- Email: ra@flat.mx
- Website: https://flat.mx
- Language: Bilingual — English and Spanish