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Housing Loan in Colones and Dollars 100% (Collateral)

Investment Plan:

  • Lot purchase.
  • Purchase of lot and construction.
  • House purchase (house, apartment or joint-ownership property).
    **No quantity limits**
  • Liability cancellation for construction lot. (Debt purchase when lot is guarantee with other creditor and investment housing plan is 100% for construction).

Housing Loan Main Features:


Colones and Dollars

Minimum Financing Amount:

Equal to $1.000.00

Maximum Financing Amount:

Upon payment capacity and guarantee. In dollars up to $700 thousand.


·         Colones: up to 30 years for all uses.

·         Dollars: up to 25 years for all uses.

Guarantee and Coverage:

1.MAIN GUARANTEE: As stated in the Annex 4 of the General Regulations of Credit

2.ADDITIONAL GUARANTEE: (mortgage and/or security title)

2.1 Mortgage Guarantee:
Acceptance degree depends upon guarantee availability and current effective regulations.

2.2 Security Title: Current effective regulation applies.


Formalization 2% over loan amount.
In advance payment 3% for loan higher to $10.000, 00 effective along first five years.

Payment Way:

Monthly installments, variable, successive, chargeable to due capital and interests.

Policies and Insurances:

Applicable ones as per administrative loan provisions and guarantee offered.

Unemployment Insurance for salary earners who meet conditions as permanent employee, co-owner employee or employee for definite period.

Financing of:

Legal expenditures, formalization commission and appraisal amount.



Other conditions

  • Owner of checking or savings account.
  • Affiliated to Bancatel and Bancobcr.com.
  • Loan payment through automatic charge.
  • At least two utilities automatic charges.

Whenever financing construction and guarantee covers 100%, please submit:

  • Maps, drawings, permit and budget to know construction work and proof that customer is committed to project.
  • Once construction works are done, customer shall pay thirty six ($36) for expert inspection.

For Foreigners:

Permanent Resident – Free of condition

- Submission of residence card copy with name and signature of officer where certifies he reviewed original document.

- Upon amount and age, requirements are the same as for Costa Rican citizens (review chart of insurance capability requirements).

Request your Loan now in any of BCR branches


Interest Rate Liability Disclaimer

Interest rates are object to change at any time without previous notice due to financial market changes.  For such a reason, information included in current web site is for reference purposes only.  Any rate related to a specific transaction or business, shall be the effective rate as of formalization date.

For further information regarding interest rates, please call Customer Service Department at (506) 2211-1111 or write to CentroAsistenciaBCR@bancobcr.com

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