Buying real estate in Mexico can be an exciting opportunity — especially in booming markets like Puerto Vallarta, where presale opportunities offer outstanding value. But if you’re a foreigner, it’s important to understand the two main paths to property ownership: the Bank Trust (Fideicomiso) and the Direct Deed.
What Is a Fideicomiso in a Presale Puerto Vallarta Purchase?
A Fideicomiso is a bank trust that allows foreigners to legally purchase property in the restricted zones — areas within 50 km of the coast or 100 km of the border. Since Puerto Vallarta falls within this zone, most foreign buyers will purchase through a Fideicomiso.
Here’s how it works:
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A Mexican bank holds the title as trustee.
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You, the buyer, are the beneficiary with full control — you can sell, rent, remodel, or will the property.
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The trust is valid for 50 years and is renewable.
How Direct Deed Compares to Fideicomiso in Puerto Vallarta Presales
A Direct Deed (Escritura Directa) is available to foreigners outside the restricted zones. In this case, the property is purchased and titled directly in your name — no bank trust needed.
Fideicomiso vs Direct Deed: Key Differences
| Feature | Fideicomiso | Direct Deed |
|---|---|---|
| Available in PV? | ✅ Yes | ❌ No |
| Ownership Type | Bank holds title | Buyer holds title |
| Legal Rights | Full property rights | Full property rights |
| Extra Fees | Annual bank fee (approx. $500) | None beyond closing costs |
Why Presale Puerto Vallarta Properties Offer the Best Value for Foreign Buyers
At VR Realty, we specialize in presale Puerto Vallarta developments — giving you early access at first price lists, long before prices rise. This means more value, better appreciation potential, and a stronger investment overall.
Final Thoughts
Whether you’re purchasing through a Fideicomiso or qualify for a Direct Deed, understanding the legal structure is key to a secure and successful transaction. And with presale opportunities in Puerto Vallarta, there’s never been a better time to buy.
🏡 Ready to Buy in Puerto Vallarta?
Contact VR Realty to explore presale properties at first price lists — and let our expert team guide you through every step of the buying process.