Uruguay mortgage calculator

Enter the property value, the amount you need and your income to compare estimated payments, rates and minimum income requirements from BHU, Itaú and Santander.

Property currency
U$S
70%U$S 105.000
20 years
$

Optional — used to assess whether the loan is affordable.

Exchange rates used — UI $6.60 · US dollar $41

Mortgage payment comparison

Estimated monthly payment in Uruguayan pesos for a loan of U$S 105.000. Estimates are for guidance and are not binding.

BHU

Government-owned · TEA 3.75%

Lowest payment

Estimated monthly payment

$ 25,383 /month

equivalent to UI 3.846 · term 20 years

Minimum income

$ 101,532

Payment/income

25%

Financing (LTV)

70% / max 95%

Status

Eligible

  • Rates in UI start at 3.75% and vary by term, LTV and applicant profile.
  • Finances up to 95% for purchases with the mortgage guarantee fund; up to 90% for construction.
  • Préstamo Soñado: up to 100% with additional collateral, from 4.50% effective annual interest.
  • Payment-to-income ratio: 25%, or 30% with payroll deduction.
  • Appraisal fee: UI 2,500, creditable under BHU's conditions.

Itaú

Private · TEA 3.75%

Estimated monthly payment

$ 25,383 /month

equivalent to UI 3.846 · term 20 years

Minimum income

$ 72,523

Payment/income

35%

Financing (LTV)

70% / max 80%

Status

Eligible

  • Rates in UI start at 3.75%.
  • Finances up to 80% of the property value.
  • Approximate maximum loan: UI 4,500,000.
  • Payment-to-income ratio up to 35%.
  • Requires 24 months of employment history.

Santander

Private · TEA 3.75%

Estimated monthly payment

$ 28,584 /month

equivalent to UI 4.331 · term 20 years

Minimum income

$ 81,668

Payment/income

35%

Financing (LTV)

70% / max 85%

Status

Eligible

  • Rates in UI start at 3.75%.
  • Finances up to 85% of the purchase price; up to 95% for university-degree professionals aged 25 to 45 buying a home worth up to USD 200,000. Loans in UI or US dollars.
  • Terms up to 20 years; in UI, up to 30 years for Nómina and Select customers, university-degree professionals and public employees.
  • Minimum household income: UI 10,000.
  • Adds origination costs to the loan: 1.5% of principal, capped at USD 1,500 (2.5% for loans under USD 30,000).
  • Payments include insurance, origination costs and the appraisal; fire insurance and the appraisal have no published amount and are not included in this estimate.
  • The first payment is due after 90 days.

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What about BROU?

BROU does not provide long-term residential mortgages. Government-backed home lending is handled by BHU, where BROU customers may qualify for a discounted rate.

· Rates are starting rates and depend on each applicant's credit profile.

· The UI and US dollar exchange rates change daily, so the payment in pesos is indicative.

· This tool is for guidance only and is not a binding offer by any bank. Always confirm the terms with the institution.