|
Country |
Interest rates of mortgages for home acquisition: Weighted average interest rate
|
Interest rates of mortgages for home acquisition: Typical market interest rate for FRM
|
Interest rates of mortgages for home acquisition: Typical market interest rate for VRM
|
Interest rates of mortgages for home acquisition: Typical subsidized Interest Rate FRM
|
Interest rates of mortgages for home acquisition: Max interest rate regulated
|
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-4-05
|
CV-4-06
|
CV-4-07
|
CV-4-08
|
CV-4-09
|
CV-4-10
|
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
Annual
|
|
|
|
|
|
|
%
|
%
|
|
%
|
%
|
|
|
|
|
|
|
See more...
|
See more...
|
|
See more...
|
See more...
|
|
Argentina
|
5% + indexador
|
53
|
5% + ajustador
|
N/A
|
N/A
|
N/A
|
75.0
%
|
No existe un límite reglamentario como tal.
|
25.0
%
|
0.0
%
|
|
Barbados
|
5%
|
Approximately 6% which is a premium to variable
|
Approximately 5–5.5% (indicative)
|
N/A
|
N/A
|
7.0
%
|
95.0
%
|
N/F
|
35.0
%
|
N/A
|
|
Brasil
|
10,48%
|
N/F
|
11,36
|
N/F
|
12,0
|
18.5
%
|
67.8
%
|
80
|
26.3
%
|
30.0
%
|
|
Chile
|
9,4
|
N/A
|
8,2
|
N/A
|
10,6
|
N/F
|
78.6
%
|
100
|
25.0
%
|
25.0
%
|
|
Colombia
|
11,27
|
11,27
|
6,71
|
7,23% (VIS), 6,23% (VIP)
|
12,4 (+ UVR)
|
N/A
|
54.6
%
|
80% para VIS, 70% para No VIS
|
34.0
%
|
40.0
%
|
|
Costa Rica
|
10,21
|
N/A
|
10,21
|
0
|
38,36
|
14.7
%
|
80.0
%
|
100%
|
40.0
%
|
40.0
%
|
|
Ecuador
|
10,86
|
N/F
|
10,86
|
4,99
|
11,61
|
N/A
|
80.0
%
|
83,33
|
30.0
%
|
40.0
%
|
|
El Salvador
|
8.29
|
10.25
|
9.99
|
5
|
18.50
|
N/A
|
90.0
%
|
N/F
|
N/F
|
|
|
Honduras
|
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
%
|
|
México
|
10.40
|
11.48
|
N/F
|
8.72
|
22
|
N/A
|
71.6
%
|
N/A
|
N/F
|
N/A
|
|
Panamá
|
6.25
|
N/A
|
6.16
|
2.25
|
N/A
|
N/F
|
93.5
%
|
N/A
|
35.0
%
|
N/F
|
|
Paraguay
|
8,81%
|
N/F
|
N/F
|
N/F
|
28,85%
|
N/A
|
N/F
|
N/F
|
N/F
|
N/F
|
|
Peru
|
8.2
|
8.2
|
No se aplica
|
9.4
|
No existte
|
25.0
%
|
90.0
%
|
90
|
27.0
%
|
|
|
República Dominicana
|
11,3
|
11,42
|
N/F
|
N/F
|
N/F
|
N/F
|
53.0
%
|
80
|
30.0
%
|
30.0
%
|
|
Uruguay
|
4,7
|
6,5
|
N/F
|
2%
|
7,82
|
N/F
|
N/F
|
No se establece un tope en la regulación del sistema financiero
|
N/F
|
0.0
%
|
Notes:
Monetary values are expressed in US dollars.
By selecting the data cell in the table you can access information about sources and notes.
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