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Housing Loan for Social Interest Programs - RAMT

Investment Plan:

  • Lot purchase and house construction.
  • House Purchase.
  • Owner’s lotHouse construction.

Housing Loan for Social Interest Programs - RAMT:



Minimum financing amount:

Equal to $1.000.00

Maximum financing amount:

Amount maximum for housing solution as per BANHVI methodology


Up to 30 years




1% formalization commission

Interest Rate:

Fixed rate 10.00% first 2 years

From 3rd year: TBP  + 1%

Maximum financing percentage:

Up to 95%

Appraisal payment:

Upon credit amount


-Nature and catastrophes
-Various Risks

-Total and Permanent Disability

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

Note: Current insurance policies may be acquired through intermediaries and to insurance companies authorized by SUGESE (if complying with loan subscription requirements).

Other conditions: 

  • Affiliated to at least one BCR automatic charge
  • Program applicant must be pre-qualified before program start.
  • Lot plus house value according to appraisal value and regulation margins shall not exceed those set forth by BANHVI.
  • Be the owner of a house of social interest which requires improvement for security, sanity and/or stacking and continue living inside the house once it has been restored.
  • Be part of the family, that is, a group of individuals with a chief (either he or she) living under same roof and who share household expenses. At least one individual must be of age.
  • No other social interest bonus has been received.  Such bonus is granted only once.
  • Family income is equal or inferior than 4 minimum salaries of a non-specialized worker in the construction industry, adjusted by semester.
  • Under entity authorization may combine two modes keeping the maximum amount which shall be proportionally distributed as per required cost for each used mode.
  • For social interest statement purposes, lot value shall not be taken into account. Notwithstanding, construction work value shall include current construction as well forecast construction value.
  • A maximum and a half bonus is authorized for total and permanent physical disabled individual.
  • For construction of retention walls, an amount of up to twenty salaries is authorized provided that house meets inhabiting and safety conditions and a remaining life of ten years.
  • Operative and financing regulations, interest rates, guarantees and loan terms which apply to RAMT program are ruled by set conditions set forth by Financing System.
  • BCR shall submit technical report appraising investment with pictures which show house condition, detailed budgets according to mode chosen, maps and construction permits.

Review Requirements 

Request your Loan today in 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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