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Housing Loan for Social Interest Programs

CBA Program

Investment Plan:

  • Purchase of land and house construction
  • Purchase of house with minimum 5 years of being built.
  • House construction on own land. 

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.

Housing Loan for Social Interest Main Features

CBA Program:



Maximum Financing %:

Equal to $1.000.00

Minimum Financing Amount:

Housing solution maximum amount in accordance with BANHVI.

Maximum Financing Amount:

Up to 30 years




1% Formalization

Interest Rate:

Fixed rate 10.00% first 2 years

From 3rd year: TBP  + 1%

Maximum financing percentage:

Up to el 95%

Appraisal payment:

According to loan amount



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

Other conditions:

  • In case of owing a property, house construction on such said shall be financed
  • At least 1 automatic charge with the BCR.
  • The program applicant must be prequalified prior to program start.
  • House cost plus lot value as stated on appraisal report and 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 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 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.
  • Shall open a savings account, subscribe the ABC vertical program contract and accomplish saving target during 3, 6, 9, 12 or18 months.

Review 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 Assistance Department at (506) 2211-1111 or write to CentroAsistenciaBCR@bancobcr.com

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