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Guatemala 💰 GTQ Last updated2026-05-28 Crédito hipotecario Calculator
Guatemala
A Q 800,000 mortgage at 9.5% over a 20-year term works out to a monthly payment of about Q 7,457, with total interest of Q 989,692 over the full term.
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Local context Crédito hipotecarios in Guatemala
Market overview
Guatemala's mortgage market is led by Banco Industrial, Banco G&T Continental, BAC Credomatic Guatemala, BAM (Banco Agromercantil) and Banrural, with Banco Inmobiliario the historic specialised housing bank. The Banco de Guatemala held its Tasa Líder at 5.00% through 2026 amid moderate inflation. Guatemala City's Zonas 10, 14 and 16 dominate high-end demand, while remittance inflows above US$20 billion annually (over 19% of GDP) drive strong middle-market activity. The FHA (Fomento de Hipotecas Aseguradas) institute provides mortgage insurance enabling longer amortisations.
Why 9.5% is the typical rate
Mortgage rates of 9–10% sit roughly 4–5 points above the BANGUAT policy rate, reflecting standard Central American intermediation margins and FHA insurance penetration.
Tax & regulatory notes
Impuesto al Valor Agregado (IVA) on first transfers of new construction is 12%, while secondary-market transfers attract a 3% stamp tax under the Ley del Impuesto sobre el Timbre. The FHA (Instituto de Fomento de Hipotecas Aseguradas) was created in 1961 under Decreto 1448 and insures qualifying mortgages, enabling banks to offer up to 95% LTV and 25-year tenors. Property registration is via the Registro General de la Propiedad.
A Q 800,000 mortgage at 9.5% over a 20-year term
Q 800,000 9.5% 20 years (240 months) Q 7,457 Q 989,692 Q 1,789,692 
