Find the best conditions for your home. This model allows you to approach home purchasing without needing all the information from the start.
Mapaactual revolutionizes the search for home financing in Guatemala. Our portal centralizes information from multiple banking institutions, allowing you to compare interest rates, terms, requirements, and conditions in one place.
Looking for your first home? Need to refinance? Want to invest in property? Here you'll find updated data that will help you make informed decisions about the most convenient financing for your particular situation.
Visualize differences between banks through clear and understandable tables
All information gathered - without visiting multiple bank websites
Updated data directly from official banking sources
Find the option that best fits your financial needs
| Bank | Annual Rate | Maximum Term | Minimum Down Payment | Maximum Amount | Features |
|---|---|---|---|---|---|
| Banco Industrial | 3.5% - 7.5% | 30 years | 10% | Q5,000,000 |
|
| Banrural | 4.0% - 8.0% | 25 years | 15% | Q4,500,000 |
|
| BAM | 3.75% - 7.25% | 30 years | 12% | Q6,000,000 |
|
| G&T Continental | 4.25% - 8.5% | 25 years | 20% | Q4,000,000 |
|
| Bantrab | 3.9% - 7.8% | 30 years | 10% | Q5,500,000 |
|
Important note: Rates and conditions are for reference and may vary according to applicant profile, requested amount, term, and type of guarantee. We recommend consulting directly with each banking institution to obtain a personalized quote.
Simple four-step process to find your ideal mortgage
Review comparison tables with updated information from different banks. Filter by your criteria: term, amount, property type.
Compare interest rates, terms, minimum down payments, and specific requirements. Evaluate which program best fits your monthly payment capacity.
Identify the documents you'll need: identification, employment proof, financial statements. Each bank has similar but varying requirements.
Once you've identified your best option, approach the banking institution directly. Request a formal quote with your specific data.
Calculate approximately how much you would pay monthly based on your desired amount and term
Our team is available to help you better understand the mortgage options available in Guatemala.
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Comparing options can result in significant savings over the life of the loan. A 0.5% difference in rate can mean thousands of quetzales.
Visualize all information in minutes instead of days visiting multiple banks. Optimize your search by focusing on viable options.
Information presented neutrally without commercial bias. You decide which factors are most important for your situation.
Better understand mortgage terms, rates, terms, and requirements. Make informed decisions about your biggest investment.
Generally, you'll need: ID or passport, recent employment certificate, bank statements from the last 3-6 months, tax return (if applicable), proof of income, and property deeds. Each bank may have additional specific requirements.
The minimum down payment varies between banks, typically between 10% and 20% of the property value. A larger down payment can result in better interest rates and faster approval. Some special programs offer lower down payments for certain profiles.
Banks evaluate your debt-to-income ratio. Generally, your monthly payment (including insurance) should not exceed 30-40% of your net monthly income. They also consider your credit history, employment stability, and other financial commitments.
It depends on the bank and type of mortgage program. Some banks allow partial or total prepayments without penalty, while others may charge a fee. It's important to verify this condition before signing the contract.
Typically life and fire insurance is required. Some banks include unemployment insurance. Insurance costs may be included in the monthly payment or paid separately. Verify what coverage each option offers.
The process varies by bank and complexity of your case. It can take from 48 hours to 2-3 weeks. Having all complete and correct documentation significantly speeds up the approval process.
