AFD loan and financing comparison
Enter price, income, and property use to see which financing paths may fit in Paraguay.
Compare your options
Che Róga Porã
Low rate, up to 30 years, focused on primary homes within income and price limits.
Check: payment exceeds the income share used.
Primera Vivienda AFD
AFD loan for buying, building, renovating, expanding, or finishing a first home.
Check: payment exceeds the income share used.
Mi Casa AFD
Broader AFD product for homes, second homes, investment, renovation, and mixed use.
Check: payment exceeds the income share used.
Traditional bank mortgage
Market reference for comparing a mortgage outside subsidized programs.
Check: payment exceeds the income share used.
Calculations use Paraguayan guaraníes (PYG) as the base currency. If you choose another currency in the top bar, conversions are approximate.
Estimate only, based on public assumptions. Final rate, term, currency, insurance, and approval depend on the lender.
Participating banks and cooperatives
Enabled institutions by product. Linked banks open their official site; the complete list is verified on AFD.
Che Róga Porã
See official list on AFDVerified: 2026-05-04
AFD First Home
See official list on AFDVerified: 2026-05-04
AFD Mi Casa
See official list on AFDVerified: 2026-05-04
How to choose real estate financing in Paraguay
Paraguay has several routes for home financing. AFD programs are originated through banks, financial companies, and cooperatives; Che Róga Porã combines AFD, MUVH, and approved projects; and buyers often compare those routes with traditional bank mortgages or developer financing.
This comparator does not approve loans. It organizes the main options by price, household income, first-home status, location, and guarantee type so you can speak with a lender more prepared.
How to use the result
Use this as an initial filter before contacting banks or developers.
- 1
Validate the likely program
If a route appears possible, check income, price, and property-use limits.
- 2
Compare the payment with your budget
The monthly payment should not consume too much household income.
- 3
Ask for real terms
Each lender can change margins, fees, insurance, required documents, and approved term.
Options compared
Summary of the most common ways to finance residential property.
| Option | Rate | Term | Limit | Best for |
|---|---|---|---|---|
| Che Róga Porã | 6.5% | Up to 30 years | By location | First home with middle income |
| Primera Vivienda AFD | ~10.4% | Up to 30 years | 260 minimum wages | Families without a built home |
| Mi Casa AFD | Varies by lender | Up to 30 years | Gs. 1.5B | Purchase, investment, renovation, or mixed use |
Frequently asked questions
Does this comparator approve my loan?
No. It only estimates which programs may fit. Approval is handled by an intermediary financial institution.
Why does the result change by guarantee type?
AFD products allow different maximum terms depending on whether the guarantee is unsecured, mortgage-backed, or fiduciary.
Can foreigners use it?
Yes, but it is only indicative. Residency, local income, RUC, and bank documentation are often decisive.
AFD Loans & Che Róga Porã in Paraguay
AFD Primera Vivienda calculator
Estimate payment, required income, and basic eligibility for Primera Vivienda AFD.
AFD Mi Casa calculator
Simulate Mi Casa AFD for housing, renovation, investment, or mixed-use property.
Che Róga Porã: Calculator, Requirements & Monthly Payment
Estimate your monthly Che Róga Porã mortgage payment at the official 6.5% fixed rate.
More tools in Paraguay
How much can I afford?
Estimate your buying power in Paraguay by income, existing debt, and financing program.
What is my property worth?
Estimate your home's market value with real data from comparable listings in your area.
How much can I rent my property for?
Estimate the monthly rent for your house or apartment with real data from comparable rentals in your area.
Should you rent or buy?
Compare the total cost of buying vs renting in Paraguay and find the year when buying breaks even.
Official sources
Limits and rules should be confirmed with the lender.
Last updated: May 4, 2026