It is an indicator of how much debt an individual can incur without putting his or her financial integrity at risk and without falling into default. CONDUSEF advises that debt should not exceed 35-40% of monthly net income. But the metric is different for each Bank. 

You can calculate it as follows:

Payment Capacity = ( Total monthly expenses / Monthly income ) * 100

Consider your basic expenses for food, transportation, education, leisure, health, other debts you owe and the monthly payment of your new mortgage loan. The result should be less than 40% to be at a healthy level.

• Pre-qualification
• Credit application
• Delivery of file and credit analysis
• Authorization of the amount of the credit according to borrowing capacity.
• Appraisal of property
• Integration of the Trust file*.
• Notary and Trust* processes.
• Opening of client's account
• Signing of trust* and mortgage.
• Disbursement of authorized amount.

*If applicable.

Of course! You can buy a property in Mexico regardless of your immigration status. However, if you want to buy in a restricted zone, you will need to establish a restricted zone trust.