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Construction Financing & Payment Options in the Riviera Maya

Building your home in the Riviera Maya doesn't mean paying it all at once. We work with progress payments, flexible schemes and guide you on credit and options for foreigners — with a fixed-price contract and a clear schedule. Here's how paying for a build with Recrea works. 18+ years and 196 projects.

How do you pay for a build? Never all upfront. With Recrea, payment follows construction milestones (never more than a 15% deposit), tied to real progress — you pay as you watch your home grow, with weekly reports.

Payment & Financing Options

Progress Payments

A payment schedule tied to real milestones (foundation, structure, finishes) — pay as it progresses.

Low Deposit

We never ask for more than a 15% deposit — the rest is released against verified progress.

Credit Guidance

We guide you on mortgage/construction credit with banks and Infonavit where applicable.

Options for Foreigners

Build via a bank trust or company; we explain payment methods from abroad (wire, escrow).

Fixed-Price Contract

Fixed line-item budget with payment schedule and delay penalty — no surprises.

Safe, Transparent Payments

Each payment against documented progress with photo and video — your money tied to real work.

How to Finance Your Build in the Riviera Maya

The most common worry when building is how to pay for it. The good news: you don't pay all at once. A serious builder works with progress payments — a low deposit (max 15%) and the rest released against verified milestones (foundation, structure, systems, finishes). That keeps your money always tied to real work. For those who need credit, construction-loan options exist with banks and, in some cases, Infonavit; we guide you by situation. Foreigners build via a bank trust or company and usually pay by wire or escrow. All with a fixed-price contract and clear schedule — you know exactly what you pay and when.

Sample Payment Schedule (Typical Home)

Stage% of totalWhen
Deposit (contract signing)10–15%Start
Foundation and structure30–35%By progress
Systems and masonry30%By progress
Finishes and handover20–25%Final

Helpful guides: Cost to build a house · Cost calculator · Construction company in the Riviera Maya · Construction companies in Playa del Carmen

Cities We Serve

We build with flexible payment schemes across the Riviera Maya: Playa del Carmen, Tulum, Cancun, Puerto Aventuras and Akumal.

Why Building with Recrea is Safe

  • Low deposit — never more than 15%, the rest against verified progress
  • Payments tied to real work — documented with weekly photo and video
  • Fixed-price contract — closed budget, no overruns
  • Credit guidance — banks, Infonavit and options for foreigners
  • Delay penalty — your handover date protected by contract
  • Legal work with a DRO — your investment backed and registrable

What Our Clients Say

"We worried about paying for a build remotely. Recrea gave us a progress-payment schedule, each with a photo report. Total peace of mind."

James R., Toronto

"The deposit was low and each payment was against real progress. No surprises and a fixed-price contract."

Laura G., Playacar

Ask us about payment options

Frequently Asked Questions

By construction progress: a low deposit (max 15%) at contract signing, and the rest released against verified milestones (foundation, structure, systems, finishes). Your money is always tied to real work, with weekly reports.

Yes, construction loans exist with banks and, in some cases, Infonavit. We guide you by situation; many clients combine savings with staged credit.

We never ask for more than a 15% deposit at contract signing. The rest is paid as the work progresses, against milestones verified with photo and video.

They build via a bank trust or company and usually pay by international wire or escrow, against documented progress. Many US, Canada and Europe clients build this way.

Not with a fixed-price, line-item contract. The budget is closed from the start and only changes if you decide to add scope — no overruns from improvisation.

Ask about payment options and financing

Progress payments. Low deposit. Fixed-price contract. Reply in 2 minutes.

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Low deposit18+ Years196+ ProjectsFixed priceProgress payments