Crédito de vivienda Calculator Bolivia

Market overview

Bolivia's mortgage market is led by Banco Mercantil Santa Cruz, Banco Nacional de Bolivia (BNB), Banco BISA, Banco Económico and Banco Ganadero, with Banco Unión (state-owned) holding a strong civil-servant franchise. The Banco Central de Bolivia has held its reference rate effectively unchanged for years under the de facto USD peg in place since 2011 at Bs 6.96/USD, though 2023–24 dollar shortages have pressured the parallel rate. La Paz, Santa Cruz de la Sierra and Cochabamba dominate demand, with Santa Cruz in particular benefiting from agribusiness wealth.

Why 6.5% is the typical rate

Mortgage rates of 6–8% reflect the de facto dollar peg and the Vivienda de Interés Social ("VIS") regime which caps rates by income tier under Law 393.

Tax & regulatory notes

Law 393 (Ley de Servicios Financieros, 2013) caps mortgage rates for Vivienda de Interés Social — depending on property value, rates are capped at 5.5%, 6% or 6.5% — and obliges banks to direct minimum portfolio percentages to productive and housing lending. Property transfer tax (IMT) is 3% under Law 843 (Código Tributario). The Agencia de Supervisión del Sistema Financiero (ASFI) is the primary regulator. Bolivia's 2011 de facto USD peg means residential mortgages are now overwhelmingly bolivian-denominated rather than dollarised.