Costa Rica 💰 CRC Last updated2026-05-28

Crédito hipotecario Calculator Costa Rica

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Quick answer (Costa Rica)

Un crédito hipotecario de ₡80,000,000 al 10.5% en un plazo de 25 años works out to a monthly payment of about ₡755 345, with total interest of ₡146 603 609 over the full term.

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Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$888,679

PITI

Principal + Interest

$755,345

65% goes to interest

Total Interest

$146,603,609

over 25 years

Monthly Breakdown

Principal & Interest$755,345

Property Tax (1.1%/yr)$91,667

Homeowner's Insurance (0.5%/yr)$41,667

Total Monthly$888,679

Principal vs Interest Split

35% principal

65% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only. Consult a licensed lender for exact rates.

Local context

Crédito hipotecarios in Costa Rica

Typical loan

₡80 000 000

in Costa Rica

Typical rate

10.5% p.a.

prime borrower, 2026

Typical term

25 years

most common

Market overview

Costa Rican mortgages are offered by Banco Nacional de Costa Rica (state, largest), Banco de Costa Rica (BCR, state), Banco Popular y de Desarrollo Comunal, BAC Credomatic, Scotiabank Costa Rica, Banco Davivienda Costa Rica, BCT and Banco Promerica, with a parallel market of cooperative lenders (Coopenae, Coopealianza). USD-denominated mortgages from BAC, Scotiabank and Davivienda are widely used, particularly for expats and higher-priced properties. The Banco Central de Costa Rica (BCCR) Tasa de Política Monetaria is 4% in early 2026, with the Tasa Básica Pasiva (TBP) anchoring CRC variable mortgages and US prime / SOFR anchoring USD loans.

Why 10.5% is the typical rate

10.5% reflects a typical CRC TBP-linked mortgage for a salaried Costa Rican borrower at 80% LTV in early 2026; USD mortgages from BAC, Scotiabank or Davivienda are 1-2% lower.

Tax & regulatory notes

Property transfer tax is 1.5% of registered value, plus 0.5% registration fee and legal/notary fees of roughly 1-1.5%. Annual property tax (Impuesto sobre Bienes Inmuebles) is 0.25% of registered value, collected by municipalities. The Impuesto Solidario para Fortalecimiento de Programas de Vivienda ("Luxury Home Tax") applies to high-value primary residences above an annually adjusted threshold. BANHVI (Banco Hipotecario de la Vivienda) channels the Bono Familiar de la Vivienda (BFV) housing subsidy to lower-income families through authorised entidades autorizadas including Mutual Alajuela, Grupo Mutual and INVU.

🧮 Worked example

Un crédito hipotecario de ₡80,000,000 al 10.5% en un plazo de 25 años

Loan amount

₡80 000 000

Annual interest rate

10.5%

Term

25 years (300 months)

Monthly payment

₡755 345

Total interest paid

₡146 603 609

Total paid (principal + interest)

₡226 603 609

❓ FAQ (Costa Rica)

Common questions in Costa Rica.

¿Qué es el Bono Familiar de la Vivienda (BFV) y cómo se solicita?

The BFV is a non-repayable housing subsidy administered by BANHVI for lower-income Costa Rican families, channelled through authorised entities like Mutual Alajuela, Grupo Mutual, INVU and several cooperatives. It can fund all or part of a starter home purchase, lot acquisition with construction, or improvements, depending on household income band. Apply through an authorised entity with income certificates and a registered property or construction project.

¿Conviene un crédito en colones o en dólares en Costa Rica?

USD mortgages from BAC, Scotiabank or Davivienda typically price 1-2% below CRC equivalents, which is attractive if your income is in USD (remote work, US-paid retiree). For CRC-paid borrowers, the colón has been relatively stable but a USD loan still introduces FX risk. SUGEF has tightened underwriting on USD lending to non-generators of USD income. CRC TBP-linked loans are the safer default for locally paid salaries.

Can foreigners buy property and get a mortgage in Costa Rica?

Yes. Non-residents have essentially the same property-ownership rights as Costa Ricans (with limited maritime-zone restrictions in the Zona Marítimo Terrestre). Foreign buyers can finance through BAC Credomatic, Scotiabank or Davivienda, typically in USD, often requiring 30-40% down payment, life insurance and proof of overseas income. Residency is not required, but a Costa Rican corporation (SA) is a common holding vehicle.

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