Honduras 💰 HNL Last updated2026-05-28

Crédito hipotecario Calculator Honduras

⚡

Quick answer (Honduras)

A L 2,200,000 mortgage at 10.5% over a 20-year term works out to a monthly payment of about L 21,964, with total interest of L 3,071,446 over the full term.

🏠

Mortgage Calculator

USD

Home Value

LTV 80% · No PMI ✓

Loan Amount

Interest Rate

Term

Total Monthly

$25,631

PITI

Principal + Interest

$21,964

58% goes to interest

Total Interest

$3,071,446

over 20 years

Monthly Breakdown

Principal & Interest$21,964

Property Tax (1.1%/yr)$2,521

Homeowner's Insurance (0.5%/yr)$1,146

Total Monthly$25,631

Principal vs Interest Split

42% principal

58% interest

✨ Live recalculation·Includes P&I, property tax, insurance. Estimates only — consult a licensed lender for exact rates.

Reviewed by

Aisha Rahman, CFP®, MBA LinkedIn ↗

CFP® with 12+ years in mortgage & retirement planning.

Local context

Crédito hipotecarios in Honduras

Typical loan

L 2,200,000

in Honduras

Typical rate

10.5% p.a.

prime borrower, 2026

Typical term

20 years

most common

Market overview

Honduras' mortgage market is led by Banco Atlántida (the country's largest), BAC Credomatic Honduras, Banco Ficohsa, Banco de Occidente and Banpaís (BFI). The Banco Central de Honduras held its Tasa de Política Monetaria at 5.75% through 2026, with the lempira under a crawling band against the US dollar. Tegucigalpa and the industrial hub of San Pedro Sula dominate demand, supported by diaspora remittances exceeding US$9 billion annually. RAP (Régimen de Aportaciones Privadas) — the formal-sector private housing fund — is a major source of long-term mortgage liquidity.

Why 10.5% is the typical rate

Mortgage rates of 9–12% in lempira reflect the BCH policy rate of 5.75% plus standard Central American spreads; USD-linked mortgages price 1–2 points lower.

Tax & regulatory notes

Property transfers attract a 1.5% Impuesto sobre Tradición de Bienes Inmuebles under municipal tax codes plus a 0.5% Tasa de Servicios Registrales for the Instituto de la Propiedad. RAP, created under Decreto 167-91, channels formal-sector worker contributions into long-term housing finance and operates a complementary mortgage refinancing facility. The Programa Vida Mejor and FOSOVI (Fondo Social para la Vivienda) provide subsidised housing for lower-income buyers.

🧮 Worked example

A L 2,200,000 mortgage at 10.5% over a 20-year term

Loan amount

L 2,200,000

Annual interest rate

10.5%

Term

20 years (240 months)

Monthly payment

L 21,964

Total interest paid

L 3,071,446

Total paid (principal + interest)

L 5,271,446

❓ FAQ (Honduras)

Common questions in Honduras.

What is RAP and how does it support mortgages in Honduras?

Régimen de Aportaciones Privadas, established by Decreto 167-91, collects mandatory contributions from formal-sector workers and employers and channels them into long-term housing finance. RAP funding lets partner banks offer 20–25 year mortgages at concessional rates to contributors.

Can I get a USD-denominated mortgage in Honduras?

Yes — Banco Atlántida and BAC Credomatic offer USD mortgages alongside lempira products, typically priced 1–2 points lower. They are common for buyers with maquila-sector income or remittance-supported repayment capacity.

How does the crawling-peg regime affect mortgage borrowers?

The Banco Central de Honduras manages the lempira within a crawling band against the USD, which limits sharp depreciation but creates a slow predictable depreciation trend. USD-denominated mortgages therefore carry an embedded annual cost roughly equal to the crawl rate.

🌍 Other countries