How much can I afford?
Enter your monthly income and current debts to see the maximum property price you can finance in Paraguay with each AFD program or a bank mortgage.
Your buying power
Paraguay's legal minimum wage (SMLV): PYG 2,899,048.
Add up credit card, loan, and vehicle installments.
AFD and most banks require all your debt payments combined not to exceed 40% of gross household income.
How much each program lends you
| Program | Rate | Max loan | Max property | Monthly payment |
|---|---|---|---|---|
Che Róga Porã 30-year term | 6.5% | PYG 506,274,623 | PYG 556,274,623 | PYG 3,200,000 |
AFD Primera Vivienda 30-year term | 10.4% | PYG 352,705,937 | PYG 402,705,937 | PYG 3,200,000 |
AFD Mi Casa 30-year term | 11.5% | PYG 323,137,199 | PYG 373,137,199 | PYG 3,200,000 |
Bank mortgage 20-year term | 13.0% | PYG 273,136,424 | PYG 323,136,424 | PYG 3,200,000 |
We filter listings to the max price of the most generous program for you.
Calculation is in guaraníes (PYG). USD conversions are approximate at today's rate.
Assumes maximum term per program, fiduciary guarantee, and currently estimated rates. The final rate depends on the lender.
How the calculation works
Your buying power depends on four factors: monthly household income, existing monthly debt payments (credit cards, personal loans, car loans), the interest rate, and the loan term. The standard Paraguay rule is that all your monthly payments combined should not exceed 40% of gross household income.
This calculator applies that rule across the four most common financing options — Che Róga Porã, AFD Primera Vivienda, AFD Mi Casa, and a standard bank mortgage — and shows the maximum loan, monthly payment, and property price compatible with your situation.
Frequently asked questions
Why is 40% of income the limit?
It's the standard cap used by AFD and most Paraguay banks. The sum of all your monthly payments (including the new mortgage) should not exceed 40% of your gross monthly household income.
Why does each program return a different amount?
Each AFD program has its own loan ceiling and maximum term. Che Róga Porã is capped by regulation; Primera Vivienda and Mi Casa have their own caps; bank mortgages have fewer restrictions but a higher rate.
How does my down payment affect the result?
The bigger your down payment, the higher the property price you can target — the calculator adds your down payment to the maximum loan to show the total price you can afford.
Is this a pre-approval?
No. It's an estimate based on public program rules. Actual approval depends on your credit history, job tenure, collateral, and the lender's internal policies.
More tools in Paraguay
AFD loan and financing comparison
Compare Che Róga Porã, Primera Vivienda, Mi Casa, and bank mortgages 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.
Official sources
Rates, caps, and rules used in this calculation.
Last updated: May 5, 2026