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📍 Is There a Regulatory Plan in Place? Many municipalities in Costa Rica have a Regulatory Plan (Plan Regulador) that outlines how land can be used—residential, commercial, agricultural, etc. This plan sets clear rules on what can be built, where, and under what conditions. If a municipality does not yet have an approved plan, that doesn't mean construction is unrestricted. Instead, the local government relies on national laws and provisional technical guidelines to evaluate land use and building requests on a case-by-case basis. Key Permits You’ll Need Before starting any construction, several permits must be obtained from the municipality and other agencies: • Land Use Permit (Uso de Suelo): Confirms that your intended construction is compatible with zoning regulations. • Building Permit (Permiso de Construcción): Requires approved architectural and structural plans, stamped by a licensed architect or engineer and submitted through the CFIA (Costa Rica’s professional board for architects and engineers). • Health and Sanitation Permits: Ensures your project complies with regulations on drinking water, septic systems, and waste management. • Environmental Assessments: In certain cases, especially when the land is near rivers, forests, or protected areas, you may need approval from SETENA (the National Environmental Technical Secretariat). Basic Utilities: A Fundamental Requirement One essential requirement for construction is that the property must have access to basic services such as water and electricity. The availability and capacity of these services will depend on the type and scale of the project you intend to build. For example, a single-family home may have different utility needs compared to a commercial or multi-unit development. It's crucial to verify utility access early in the planning stage, as lacking proper services can delay permits or require infrastructure upgrades. Coastal Properties: Special Regulations Apply If your property is located within the Maritime Zone (Zona Marítimo Terrestre), additional rules apply. These areas are public and managed under a concession system. Construction is only allowed under strict regulations and permits, and these properties are not considered private in the traditional sense. Final Recommendation Every municipality may have unique requirements, and environmental regulations can vary depending on the type of project. That’s why it’s essential to work with experienced local professionals—attorneys, architects, engineers, and permit managers—who understand the legal and technical processes.

Buying Land in Costa Rica? Here’s What You Need to Know Before Building

Purchasing a lot or property in Costa Rica is just the beginning. If you're planning to build, it's essential to understand the legal requirements and municipal permits that regulate construction and land development in the country.

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Can I get financing if I’m not a resident?
The answer is yes. There are several ways to finance a property, although the process may differ from what you’re used to in your home country. Here’s a general overview to help you get started: Financing Through Local Banks
Some banks in Costa Rica offer mortgage loans to foreigners. To qualify, you must present documentation proving your financial capacity and the legal origin of your funds.
While the process can be more formal and slower than in some other countries, it is a secure and legally supported option. Owner Financing
In many areas of the country—especially in tourist regions—it’s common to find properties where the seller offers direct financing.
These agreements tend to be more flexible and are negotiated on a case-by-case basis, making them an attractive option for those looking to avoid bank procedures. Developer Financing
Some residential and real estate developments offer internal payment plans for buyers, including foreigners.
This can greatly simplify the buying process, especially if you're purchasing pre-construction or within a new complex. Financing from Your Home Country
Another alternative is to secure financing through your local bank or lender and use those funds to purchase property in Costa Rica.
This may be a more familiar route if you already have an established credit history or relationship with your home financial institution. Important Considerations
Before applying for financing, make sure the property has access to basic services such as water and electricity. These are essential for obtaining construction or renovation permits and may also be required by your lender.
It is also highly recommended to work with a trusted local attorney who can guide you through the legal process and ensure everything is done securely and transparently. Ready to invest in Costa Rica?
Whether you’re looking for a home to live in, a rental property, or land with potential, there are financing options available—even if you’re a foreigner.
If you’re considering investing in Costa Rica, our team can help you find the right property and explore financing solutions tailored to your profile.

Financing for Foreigners in Costa Rica: What You Need to Know

Buying property in Costa Rica as a foreigner is absolutely possible—and many people from around the world have already done it.

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How Does Residency by Investment Work? The Costa Rican government offers a special immigration category called “Inversionista” (Investor), allowing foreigners to obtain temporary residency by making a minimum investment of $150,000 USD in the country. Where Can You Invest? Purchase of real estate (residential, commercial, land). Investment in tourism or sustainable development projects. Key Requirements Minimum investment of $150,000 USD (must be documented and registered). Criminal background check from your home country (apostilled). Valid passport. Proof of investment (property deed, registry certificate, etc.). Payment of immigration processing fees. You must visit the country at least once per year to maintain residency. After three years as a temporary resident investor, you can apply for permanent residency. Why Choose Costa Rica? Political and economic stability. Accessible and high-quality healthcare and education. Strong demand for short- and long-term rentals. Stunning natural landscapes: beaches, mountains, rainforests. Excellent quality of life and warm climate year-round. Ready to Make a Smart Investment? Investing in Costa Rican real estate is not only a sound financial move — it’s a lifestyle upgrade. Whether you’re looking for a beachfront villa, a mountain retreat, or a commercial opportunity, there’s something here for every type of investor. Contact us today and start your journey toward legal residency in Costa Rica through an investment that secures your future while enriching your present.

Invest In Real Estate in Costa Rica: A Path to Legal Residency

Costa Rica is not only a natural paradise known for its biodiversity, safety, and laid-back lifestyle — it's also an increasingly attractive destination for foreign investors. One of the most effective ways to gain legal residency in Costa Rica is through real estate investment.

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