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Welfare Housing Loan

Bonus Loan Program

Investment Plan:

  • Lot purchase and house construction
  • House purchase.
  • House construction on own lot.

Addressed to:

Costa Rican persons who enjoy a pension granted by CCSS, Tax Ministry, Magisterio Nacional (Teacher’s Institution) and other regime acknowledge in the country and pension deposit is made in BCR accounts, with historical payment behavior in the Sistema Banca para el Desarrollo (CPH-SBD) level 1 and 2 according to SUGEF Agreement 15-16.

Welfare housing loan main features

Bonus Loan Program:



Minimum financing amount:

Equal to $1.000.00

Maximum financing amount:

Maximum amount of the housing solution in accordance with BANHVI


Up to 30 years



Interest Rate:

Fixed rate 10.00% first 2 years

From 3rd year: TBP  + 1%


Formalization commission 1%.

Max. financing percentage:

Up to 95%



-Disaster and Nature risks

-Different 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: These insurances can be purchased to the brokers and insurance companies authorized by SUGEFE. (Meeting underwriting requirements of credit).

Appraised payment:

According to loan amount.

Other conditions: 

·         A least 1 automatic charge with the BCR.

·         Program applicant must be pre-qualified before program start. .

·         The house cost plus the lot value as stated on the appraisal report and the regulatory margins should not exceed regulations established by the Banhvi.

·         Being part of a household, i.e. a group of people under the authority of a chief or head of family living under the same roof and sharing the household duties. There must be at least one adult person.

·         Not owning a house or other property. In the case the family owns a lot, the family can use the bond to build the house.

·         Not have previously received another bond, as it is given only once.

·         Household income should be less than or equal to 4 minimum wages of unskilled construction sector worker that are adjusted every six month.

·         Costa Rican or permanent resident, free of condition..

Review requirements 

Request your Loan now in any 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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