CS Ahorro y Crédito is a conglomerate made up of three companies: CS Ahorro y Crédito, CS Corredora de Seguros and Nova Hub. They offer savings, credit, insurance and innovation products and services in Costa Rica. Since its establishment as a credit union in 1957, it has worked to provide memorable experiences and improve the lives of its members.
From 2008, it expanded its social base to become anopen cooperative. That is, they provide services through business management processes, affiliation, recruitment, placement and means of payment (credit and debit cards).
In this article we tell you why it is your best option for a mortgage loan in this 2023! (conditions remain in force until April 30) together with our specialized advisors who learn about how to help you get your mortgage loan.
Mortgage credit conditions with CS Ahorro y Crédito
Mortgage credit conditions with CS Ahorro y Crédito
The first thing to apply for the mortgage loan is to make the appraisal of the property. The cost of the appraisal will be $200 regardless of the amount of the credit. If the credit is formalized the cost will be refundable. The second appraisals, re inspections, fees for supervision of construction processes, supervision of work, review of construction plans, and other related charges, are charged and borne by the associate.
Fixed rates can be up to 24 months, with financing up to 90%.
Another benefit is that they have discounts of up to 25% on legal fees for acts of constitution of mortgage and transfer of property and a 100% discount on the acts of constitution and cancellation of previous mortgage.
Types of mortgage credit
Types of mortgage credit
| Type of credit | Terms in years | Rate |
|---|---|---|
| Housing/colones | 30 | 7.75% |
| Housing/ dollars (generator) | 30 | 7.50% |
| Housing/dollars (no generator) | 30 | 9% |
| Housing Mix/colones | 30 | 10% |
| Housing Mix/dólares | 30 | 9.25% |
Conditions and insurance associated with mortgage credit
Conditions and insurance associated with mortgage credit
In CS Ahorro y Crédito, mortgage loans in addition to having competitive rates and conditions, have these 3 types of insurance:
- Fire insurance: Total insurance that offers coverage in case the house of room suffers damage caused by fires, tremors, earthquakes and others.
- Unemployment insurance: The Group unemployment protection insurance is a coverage in case the associate is dismissed with employer responsibility or suffers a prolonged temporary disability due to illness.
- Life insurance: Economic protection for beneficiaries in the event of the death of the insured person. They are policies that can be fixed or nominal sum, sometimes salaries, temporary and with savings.
If you want to know more about the mortgage credit conditions offered by Coopeservidores, you can contact Karling Rodríguez Campos at the email: karrodrigu@cs.fi.cr or phone: 88379569.
