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Housing Loan for Social Interest Requirements

Require Documents:

  1. Legible and valid two-sided copy of the identification documents for all participants (debtor, co-debtor and guarantor).
  2. Utility service receipt or any other document for address verification.

Income related documents:

- Original salary certification for all participants, which does not exceed a month as of issue date. Such said salary certification must indicate gross and net salary, time in the company, position, and that salary is free of liens and restrictions.

- If debtor or guarantor receives income for his own business, he must submit a CPA income certificate of one year minimum. Additionally, he must submit last twelve bank statements and if not available, business invoices or other income support documents for last year. Last, he must submit copy of affidavit on income statement for tax purposes for same period included in CPA certificate.

  1.  Current copy of the social security employer slip for all participants.
  2. A certified copy of the cadastre plan issued by the Cadastre Office of the National Registry.  This process may experience delays in the event that modifications that National Registry shall carry out.
  3. Registry report for property in guaranty issued by the National Register.  This process may experience delays if modifications need to be carried out by the National Register.
  4. Purchase option – property sell, if applies, should have an effective term of least 90 days.
  5. Appraisal payment.
  6. Tax municipal certification.
  7. Debtor, co-debtor and real estate owner civil status certifications (issued by the Civil Register), with effectiveness term of one month.
  8. Civil status certification for all household members older than 15 years; in case of separation or free union, it shall be submit an affidavit.
  9. Salary certification from all household members older than 15 years who work.
  10. Income certification issued by C.C.S.S. for all household members.
  11. Goods certification for all household members.
  12. Life Insurance.
  13. Current legal certification, if corporation is a participant in the process, vendor or owner of the property to purchase using this loan.
  14. Maps, drawings and budget. Both documents must be signed by an architect or engineer incorporated to the corresponding professional association. (Just applied for construction).

    Complementary documents to submit  with the first disbursement:
  15. Approved construction plan/drawings by the Colegio Federado de Ingenieros y Arquitectos, including all necessary seals and stamps.
  16. Municipal construction permit.

Forms to be completed:  

  1. Application Form. Download your form here
  2. BCR Know Your Customer Form including complete information and duly signed by the applicant (only applies to people who are currently not customers of the Bank). Download your form here
  3. BCR utility service automatic charge form. Download your form here
  4. SUGEF information request form (two by participant), except for loans less than or equal to ¢ 3 million.  Download your form here

Documents delivery: 

The complete loan-bonus application form including all requirements will be handed at any BCR branch.

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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