Foreigners
About the Bank
70 years of experience guide our primary goal of reshaping banking in the region. We have spearheaded the transformation of financial services, oriented towards the digitalization of the industry, while innovating with a broad spectrum of solutions across our portfolio.
What sets BAC apart?
Beyond our ethos rooted in sustainability and inclusivity, at BAC we believe in providing smart, swift, tailored solutions to our clients, straying away from a one-size-fits-all way of doing things.
Find your home in Costa Rica with our help!
Our personalized approach extends to all our credits, including our mortgages. BAC Bank is your go-to loan provider for real estate in Costa Rica. From balmy Guanacaste to enthralling Uvita, the ideal beachfront property awaits.
Homeowning in Costa Rica made simple
Enjoy all the perks that come with applying for a loan with a private bank in Costa Rica:
Competitive mortgage interest rates
Enjoy a fixed interest rate for the first 2 years, giving you stability and peace of mind.
Attractive Loan-To-Value (LTV) Options
Get financing of up to 75% for residents (DIMEX) and 50% for non-residents, based on the lower value between the appraisal and the selling price.
Secure Legal Structure
Your property will be held in a trust structure, ensuring legal security and transparent ownership processes.
What do you need to apply for a mortgage?
Just a few requirements to continue with the process:
ID Document or Passport
Proof of income
Online form completion
A line of credit for your specific needs:
An internationally renowned bank
Frecuently Asked Questions
How to get a mortgage in another country?
You can begin the process to apply for a mortgage in Costa Rica through BAC by completing the following online form: https://www.baccredomatic.com/es-cr/personas/home-financing-information/solicitud.
How can I get more information on this product?
After filling out our home loan application online form, you’ll be contacted with an expert that’ll answer all your questions and provide more information.
What is the interest rate for mortgages for foreigners?
At BAC, we offer international clients a fixed-rate interest for the first two years of their mortgage. For more information, we invite you to quote your mortgage here: https://www.baccredomatic.com/es-cr/personas/home-financing-information/solicitud.
What is a mortgage?
A mortgage is a type of loan that allows individuals to purchase a home or property even if they don’t have the amount required in full. It’s an agreement between a lender and a burrower, in which the burrower agrees to pay the amount burrowed in an established period of time, while being the owner of the property.