Costa Rica Mortgage



Need A Costa Rica Mortgage? MORTGAGE RATES REDUCED!!!

COSTA RICA MORTGAGE SPECIAL - Rates starting around 5.95% WITH low fees.


Did you know that mortgages and financing is available for Jaco condos and homes and other properties in several Costa Rica cities? Costa Rican banks will finance up to 80% of the purchase price with local interest rates in the 8% to 12% range, while Developer financing programs are available starting at around 30% down and interest rates in the 9% range. Also, new financing programs are in the works from several US and International Banks like Scotia Bank, Citibank, HSBC and others starting at approximately 8% fixed interest. Note - rate does not include bank fees. Many developers programs for buyer's include all fees and closing costs. All rates subject to change without notice.

Use the Oceanside Realty Costa Rica Mortgage calculator to determine loan amount for your dream, beach home, investment or retirement property and second home in Costa Rica. 

Complete the fields below and click Calculate Now. To view the results of each calculation, click on the various tabs. To email yourself a copy of the results, click the Receive this Detailed Analysis link.

Please contact the professionals at Oceanside Realty in Jaco Beach Costa Rica for additional information on buying and financing your real estate purchase in Jaco, Hermosa Beach, Herradura, the Central Pacific and all of Costa Rica.


Required Fields
Term In Years:     
Interest Rate:      %
Cost of Home:  $
Down Payment:  $  
Annual Insurance:  $  
Estimate Insurance to 0.43% of Cost
Annual Property Tax:  $  
Estimate Tax to 1.2% of Cost
Monthly Income:  $
Monthly Debt:  $
Optional Fields
Gross Debt Service Ratio (GDS):     
Total Debt Service Ratio (TDS):     
Condos Fees:  $
  Receive this Detailed Analysis

Your Monthly Payments
Loan Amount:
Loan Insurance (%):
Total Loan (Mortgage) Amount:
Principal & Interest:
Homeowners Insurance:
Property Taxes:
Condo Fees:
Monthly Loan Insurance (%):
Total Monthly Payment:
Income Needed to Qualify for the Mortgage
Total Monthly Loan Payment:
Total Monthly Debt Payment:
Monthly Loan Insurance (%):
Qualifying Income of % GDS Ratio:
Qualifying Income of % TDS Ratio:
What You Can Afford
We are using the % ratio.
Cost of House:
Down Payment:
Loan Value:
Monthly Principal & Interest:
Monthly Insurance:
Monthly Property Tax:
Monthly Condo Fees:
Cost of House = [(Monthly income x Debt Ratio) – monthly tax – monthly insurance – condo fee] /
(monthly interest rate/ function of interest rate)
Monthly Rent: $
Annual Rental Increases:  %
Monthly Renter Insurance: $
Savings or Investment Rate:  %
Planned # of years in home: 
Yearly appreciation of the home:  %
Annual home maintenance:  %
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Pacific Center #30, Pastor Diaz Avenue Jaco Beach, PU 61101
Phone: +506-2643-2545 Mobile: +506-8870-1857

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