| Year | Interest rates of mortgages for home acquisition: Weighted average interest rate | Typical interest rate of fixed-rate housing mortgages (FRM) | Typical interest rate of variable-rate housing mortgages (VRM) | Typical SUBSIDIZED interest rate of fixed-rate housing mortgages (FRM) | Typical SUBSIDIZED interest rate of residential mortgage credit originated at variable rate (VRM) | Maximum regulated interest rate for residential mortgages | Typical interest rate for Home Equity Loans | Typical LTV on 1st mortgage | Max regulated LTV | Payment to Income Ratio (PTI) Typical on 1st Mortgage | Payment to Income Ratio (PTI) Maximum Regulated |
|---|---|---|---|---|---|---|---|---|---|---|---|
| CV-4-01 | CV-4-02 | CV-4-03 | CV-4-04 | CV-4-04B | CV-4-05 | CV-4-06 | CV-4-07 | CV-4-08 | CV-4-09 | CV-4-10 | |
| Annual Average | Typical of the year | Typical of the year | Typical of the year | Typical of the year | End of year | Typical of the year | Typical of the year | End of year | Typical of the year | End of year | |
| % | % | % | % | % | |||||||
| 2023 | |||||||||||
| 2024 | Tasas Generales del Sistema Financiero (Préstamos Hipotecarios Privados) es de 17 BANHPROVI es del 7% | N/A | Bancos con tasas entre 10.50% y 12%: Estas tasas eran ofrecidas por algunas instituciones financieras para plazos de 20 a 30 años | N/F | N/A | N/A | 90.0 % | En Honduras, la Comisión Nacional de Bancos y Seguros (CNBS) no establece un límite específico para la relación préstamo-valor (Loan-to-Value, LTV) en créditos hipotecarios. Sin embargo, las instituciones financieras deben aplicar políticas | 40.0 % | 30.0 % |