Banking in general in the country of Panama comprises of two state owned banks, Banco Nacional de Panama and Caja de Ahorros, 50 General License Banks, and 26 International License Banks. Most of these institutions provide mortgage financing. In addition to banks, there are some brokers that can also help you navigate financing options. Interest rates for mortgages are on average 4.5% for a primary residence, and a 5% down payment, if the customer is borrowing $150,000—as found on the 5 largest mortgage lender banks websites. Mortgage companies in Panama review your ability to repay the mortgage (or the percentage of the payment relative to your history of income and your assets), and what percentage of the value of the home do you own versus have a mortgage. Most Panamanian mortgages are done in 10 or 15 year terms, however many mortgages can be done in 20 or 30 year terms. When you apply for a mortgage in Panama, expect to have to provide at least the following items: an application, provide a recent utility bill, 2 bank references, bank statements for the past 12 to 24 months, and income tax returns.
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