Bolivia Credito de Vivienda de Interes Social (VIS) Calculator
Simulate mortgage payments in Bolivia under the Ley N° 393 de Servicios Financieros and ASFI regulations. Evaluates the capped interest tiers (5.5%, 6.0%, 6.5%), 100% FOGAVISP financing without down payment, and family debt qualification.
Social Housing Loan Assessment (ASFI)
5.50%
ASFI Capped Tier 1
Bs. 550,000.00
100% FOGAVISP Loan
Bs. 3,379.80 / mo
Cuota mensual fija
39.8%
Approved (< 40% DTI)
| Financing Metric | ASFI Statutory Condition (Ley 393) | Value (BOB Bs.) |
|---|---|---|
| Total Purchase Price | Agreed commercial residential value | Bs. 550,000.00 |
| Down Payment (Aporte Propio) | 0% Down with FOGAVISP state guarantee | -Bs. 0.00 |
| Net Financed Principal | Tier 1: Property up to 255,000 UFV (Rate 5.5%) | Bs. 550,000.00 |
| Total Interest over Loan Life | 25 Years (300 months) @ 5.50% annual fixed rate | Bs. 463,940.00 |
| Total Lifetime Loan Cost | Principal + Total Lifetime Interest | Bs. 1,013,940.00 |
| Maximum Permissible Debt Service (40% Limit) | 40% × Bs. 8,500.00 Net Income = Bs. 3,400.00 / month | Payment within capacity limit |
ASFI Regulated Social Housing Framework in Bolivia
Under the Ley N° 393 de Servicios Financieros and ASFI regulations:
Tier 1: Max 5.5% TEA
Properties valued up to 255,000 UFV (~Bs. 640,000 BOB). Maximum statutory interest rate is strictly capped at 5.50%.
Tier 2: Max 6.0% TEA
Properties valued between 255,001 and 380,000 UFV (~Bs. 640,001 to Bs. 950,000 BOB). Maximum interest rate capped at 6.00%.
Tier 3: Max 6.5% TEA
Properties valued between 380,001 and 460,000 UFV (~Bs. 950,001 to Bs. 1,150,000 BOB). Maximum interest rate capped at 6.50%.
📊 Matriz de Liquidacion y Descuentos de Ley del Estado Plurinacional
| Statutory Component / Legal Deduction Item | Calculated Amount (BOB) |
|---|---|
| Primary Net / Statutory Payable Amount | Bs 0.00 |
Engr. Muhammad Shahzad
Principal Financial Systems Architect & Bolivian Labor Law & SIN Fiscal Systems Principal Architect
Lead software and systems architect specializing in high-performance browser computing, algorithmic validation, financial models, and zero-telemetry client-side privacy architecture.