Merida Capital Investments: 15% return on your money
Merida Capital Investments claims a 15% return for investors. But their track record supports these numbers.
It is no secret that most financial planners encourage their clients to invest a portion of their retirement portfolios into developing countries, which provide higher returns but with higher associated risks. Merida Capital Investments is able to offer clients the benefits of higher returns but with minimal risk. And everyone wins.
A novel and successful concept
Mark Arbour was a highly regarded member of the Royal Canadian Mounted Police before launching the 4 Pillars Consulting Group of Ontario. The company assists Canadians through times of financial hardship by reducing their personal debt by as much as 70% while helping them avoid bankruptcy. After selling his master franchise rights, Arbour was ready for a new challenge.
A real-estate lawyer practicing law in Merida, Miguel Rodriguez de la Gala Faller comes from a fourth-generation Yucatecan family. His extensive experience in financial law serves clients that range from individuals to banks and corporations. His skills in drafting and negotiating contracts have served them well for more than 20 years.
Together they have formed Merida Capital Investments, a Mexican corporation maximizing the wealth opportunities in Mexico's changing economy. They assist Mexican residents achieve their dream of home ownership. At the same time, accredited investors reap a return of 15% and, through compound interest, can double their initial investment every five years.
Merida Capital Investments (MCI) is a boutique investment company that provides financing for real estate purchases, business assets and medical equipment to Mexicans residing in the area of Merida, capital of Yucatan state.
Why not turn to a bank?
The Mexican banking system charges interest from 45% to 60% for people with unestablished credit. There are many professionals in the area who make a good living and who have assets, but no credit rating. As a result, when they apply for bank loans, they are quoted interest rates of 60% annually, as well as many additional fees.
So it is no surprise that many Mexicans do not use the banking system and do not trust banks. They may not have a credit card, never have had a bank loan and have always paid cash for all purchases, which means they have no credit rating.
Banks treat these people as high risk and lump them into the same category as people with bad credit ratings, which results in high interest loans.
Merida Capital Investments
MCI will lend their borrowers money at much lower rates, but they must provide adequate security and pass a rigorous loan screening process. All loan applicants are personally interviewed, and their employment and wages are confirmed. All assets used for security are legally screened for liens and ownership; additionally they will be appraised by a qualified third party appraiser. All applicants must satisfy Merida Capital Investments that they do possess the required monthly income to support the monthly loan payment.
Example
If an applicant hopes to purchase a property for 1,000,000 Mexican pesos, he or she would be required to put in a minimum of 500,000 Mexican pesos or equivalent into the purchase, and MCI would finance the balance. The loan would be registered on title until MCI has been paid out in full. In the case of a default, MCI would liquidate the property at auction and take possession of any collateral.
Merida Capital Investments has a very low failure rate, as it is highly unlikely that someone will walk away from a property in which they hold 50% equity.
The fundamental principle of obtaining a substantial down payment conforms to their prudent lending practices. In fact, MCI has experienced zero defaults on loans since its inception, despite the global economic downturn.
But this is simply sound business.
If these same principles were applied in Canada and the U.S.A., there would be no housing crisis or financial crisis in the North American mortgage market. The problem with North America today is that there are far too many mortgages with 0-10% down, so the borrowers have very little to lose. And this results in high default rates.
How does it work?
Currently MCI has more demand for loans than capital available.
The investor provides the funds used to make the loans. Typically, most of MCI's investors are foreigners who live six months or more in Yucatan.
They understand the culture and realize that MCI's investment strategy is sound and believable. Their investors understand that this area is very developed with a growing middle class. The investors, who live here, require pesos to live, so investing in pesos and being paid in pesos is an advantage for them.
MCI offers above-average returns through a secure investment model, based on prudent lending practices. The company does not take any risks, and the borrower must have adequate security to qualify for a loan. If they do not, MCI simply will not lend the money. Every client is interviewed, and each property is independently appraised. Borrowers must also demonstrate that they do have the income to support the monthly loan payments.
The Merida investment program relies on investment loans from domestic and international interests. This low-risk, high-yield opportunity is a highly unusual venture that is proving exceptionally popular. Each investor will enter into a loan agreement with Merida Capital Investments, which fully outlines the terms and returns of the partnership.
- All investment loans are in Mexican pesos.
- All returns are paid in Mexican pesos.
- Minimum investment loan: MXN 130,000.
- Accredited Investors only.
- 3-year loan return: 12% annually.
- 5-year loan return: 15% annually.
For more information, contact Mark Arbour or Miguel Rodriguez de la Gala at Merida Capital Investments.
Calle 7 # 194 x 18 y 20
Col. Garcia Gineres
Merida, Yucatan
Telephone: (999) 928-4982
Email: marka@meridacapitalinvestments.ca
Click here for: safe and secure high interest retirement investments in Mexico.
