General Assessment

Variable(2019)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: 0.25% flat rate
Notes: -12.93
Notes: 2.5% of the stated price in the Notarized Transfer Deed
Notes: BANHVI is a second-tier, government-owned bank that buys mortgage bonds from other lenders to facilitate private lending. SFNV (Sistema Financiero Nacional para la Vivienda) oversees some of the housing subsidy programs and administers which financial institutions receive less-costly funds to carry out the subsidies.
Notes: BANHVI is a second-tier, government-owned bank that buys mortgage bonds from other lenders to facilitate private lending. SFNV (Sistema Financiero Nacional para la Vivienda) oversees some of the housing subsidy programs and administers which financial institutions receive less-costly funds to carry out the subsidies.
Notes: BANHVI is a second-tier, government-owned bank that buys mortgage bonds from other lenders to facilitate private lending. SFNV (Sistema Financiero Nacional para la Vivienda) oversees some of the housing subsidy programs and administers which financial institutions receive less-costly funds to carry out the subsidies.
Notes: BANHVI is a second-tier, government-owned bank that buys mortgage bonds from other lenders to facilitate private lending. SFNV (Sistema Financiero Nacional para la Vivienda) oversees some of the housing subsidy programs and administers which financial institutions receive less-costly funds to carry out the subsidies.
Notes: BANHVI is a second-tier, government-owned bank that buys mortgage bonds from other lenders to facilitate private lending. SFNV (Sistema Financiero Nacional para la Vivienda) oversees some of the housing subsidy programs and administers which financial institutions receive less-costly funds to carry out the subsidies.
Notes: Capital gains derived from habitual transactions are taxed at a flat rate of 30%
Notes: Capital gains derived from habitual transactions are taxed at a flat rate of 30%
Notes: Capital gains derived from habitual transactions are taxed at a flat rate of 30%
Notes: IDB reports that mortgage-backed securities have existed in some form since the 1970s in Costa Rica, yet the size of this source of funding is almost negligible.
Notes: One-time voucher available for households with income under 1,507,434 LCU (colón), or ~2,800 USD in 2015.
Notes: One-time voucher available for households with income under 1,507,434 LCU (colón), or ~2,800 USD in 2015.
Notes: Under special subsidy programs regulated by the Banco Hipoteca de la Vivienda: The principal of the loan does not exceed ninety-five percent (95%) of the appraised property to be mortgaged, but in special housing programs for low-income families, the Bank may allow funding of up to one hundred percent (100%) of assessed value (Banco al Hipoteca de la Vivienda).