General Assessment

Variable(2013)
Data
Main constraints in the development of the housing finance sector  
New developments that will have a major impact on the sector 
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Notes: Two credit bureaus Transunion and Equifax operate in Ecuador.
Notes: Two credit bureaus Transunion and Equifax operate in Ecuador.
Notes: The Banco del Instituto Ecuatoriano de Seguridad Social is the largest player in the Ecuadorian housing finance system providing over half the loans in both number and value. It funds its mortgage book from social security payments made to its pension fund.
Notes: The Banco del Instituto Ecuatoriano de Seguridad Social is the largest player in the Ecuadorian housing finance system providing over half the loans in both number and value. It funds its mortgage book from social security payments made to its pension fund.
Notes: The Banco del Instituto Ecuatoriano de Seguridad Social is the largest player in the Ecuadorian housing finance system providing over half the loans in both number and value. It funds its mortgage book from social security payments made to its pension fund.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The Housing Incentive System of Ecuador provides low and middle income families with one-time vouchers for home purchase, construction and home improvements.
Notes: The sum of the public (from BIESS) and private (BCE) sectors, $766,414,000 and $656,900,000 respectively
Notes: While BIESS offers 100% loans, other commercial banks offer up to 70% financing.
Notes: While BIESS offers 100% loans, other commercial banks offer up to 70% financing.
Notes: While BIESS offers loans for 25 years, private banks offers loans for 20 years
Notes: While BIESS offers loans for 25 years, private banks offers loans for 20 years