...pioneros y líderes en el financiamiento hipotecario a extranjeros
Perfil: Crédito dirigido a personas físicas o jurídicas extranjeros residentes o no residentes, que sean sujetos de un crédito en dólares, con buenas referencias externas, que desean adquirir una vivienda con fines comerciales o de esparcimiento, en las zonas de alto potencial turístico de Costa Rica.
BN-Vivienda Inmobiliaria Turística
“Second Home Financing Program”
Residents and Non Residents Mortgage Loans
For those who are interested in buying a house,
condominium or land in Costa Rica
Financing Conditions |
Conditions |
House, condominium or lot |
Maximum loan term (Plazos) |
House or condominium =Up to 20 years (vivienda = 20 años)
Land = Up to 10 years (Lote 10 años) |
Maximum Debt to Income Ratio (DTI) |
30% (Cuota/Ingresos) |
Creditworthiness |
Minimum 680 points (good or very good ref. www.myfico.com: for TransUnion / Equifax / Experian) |
Maximum Loan over Earnest Money Contract (% de financiamiento) |
Over US$ 800 thousand................................50% (*)
US$ 400 thousand to US$ 800 thousand…...60% (*)
Up to US$ 400 thousand.…...........................70% (*) |
Loan to value ratio over appraisal (% Responsabilidad de la garantía) |
Resident = 70%
Non resident = 65% |
Annual Rate (Tasa)
TASA VARIABLE
TASAS SEMI-VARIABLES
TASA ESCALONADA |
THESE RATES INCLUDE COST OF FIRE AND INSURANCE *For life (restrictions apply)
OPTION 1)
1 to 20 10.00% Libor 6M + spread
.......................................................................................
OPTION 2)
1 to 5 8.03%= (fix)
6 to 8 8.45%= Libor 6M + 5.21%
1 to 20 8.94%= Libor 6M + 5.70%
.......................................................................................
OPTION 3)
1 to 10 8.78%= (fix)
11 to 20 8.94%= Libor 6M + 5.70%
.......................................................................................
OPTION 4)
1 to 15 8.78%= (fix)
16 to 20 6.77%= Libor 6M + 3.53%
.......................................................................................
OPTION 5)
1 10.00% Libor 6M + spread
2 10.40% Libor 6M + spread
3 to 20 10.65% Libor 6M + spread
|
TASA PISO
(FLAT RATE) |
8.5% |
CHECK LIST REQUIREMENTS
These requirements apply only to US and Puerto Rico citizens/residents** . This check list is provided to help gathering information to be included with loan application. The basic requirements needed are listed below. The Fideicommissary Bank may ask for additional documentation necessary to determine risk and approval of credit proposal.
Personal information from Borrower and Co-borrowers:
• Passport`s photocopies (borrower & co-borrower) (Copias del pasaporte deudor y codeudor)
• W-2 forms for previous 2 years (Formulario W2 - 2 últimos años)
• Personal Income Tax returns for past 2 years (all pages signed and dated) (Declaración de impuestos 2 últimos años)
• Bank statements and/or brokerage account investments for prior 3 months (Estados bancarios 3 meses previos)
• Credit report from borrower and co-borrower (TransUnion, Equifax Experian) ref: 680 points www.myfico.com ( Reporte de crédito)
Bank forms (all applicants: Borrowers and Co-borrowers)
• SUGEF Credit Report form (Costa Rica) (Formulario SUGEF)
• Consumer Consent Form of authorization (Autorización Consentimiento del Consumidor)
• Know your Customer Form (Formulario Conozca su Cliente)
• Uniform Residential Loan Application (completed & signed by all parties) (Solicitud con formulario universal USA )
• ACH Form (Automated Clearing House) (Formulario cargo automático cuenta en USA)
• Account opening Form and PAR Form (Contrato de apertura de cuenta y formulario PAR)
• 4506 Form (Formulario 4506)
Documentation from Seller or Developer
• Earnest Money Contract (sales purchase agreement executed by buyer and seller) (Contrato compra y venta)
• Cadastral Plot Photocopy (Survey Plan) (Plano catastrado)
• Appraisal (to be done by an External Appraiser and to be paid by the Client) (Avalúo)
• Constructive blueprints, Official Permits and Construction budget for Construction loans (Planos constructivos - Permisos - Presupuesto)
LOAN REQUEST WILL BE CONSIDERED WHEN FULL DOCUMENTATION HAS BEEN RECEIVED
(*) Lower amount between appraisal and purchase price
(**)Other conditions may apply to other citizenships rather than US Citizens
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