The Banco del Instituto Ecuatoriano de Seguridad Social (BIESS) has announced an update to the maximum financing amounts for its mortgage loan products, effective in 2026. This adjustment is based on changes to the Unified Basic Salary (SBU), with each increase in the SBU leading to a corresponding rise in available financing limits, except for the “Vivienda Premier” product.
BIESS provides mortgage loans with terms of up to 25 years and offers financing options that can cover up to 100% of a property’s commercial appraisal value, depending on the selected loan type. The fixed maximum amount for “Vivienda Premier” remains at $50,000.
For other mortgage products, new ceilings have been set for 2026. For example, “Vivienda Preferencial,” as well as finished housing, mortgaged housing, and multifamily housing up to 195.65 SBU (equivalent to $94,303), will have a maximum loan-to-value ratio of 95%. Financing between 195.65 and 282.60 SBU ($136,213) is capped at 90%, while loans from 282.62 up to 434.78 SBU ($209,564) are limited to an 85% ratio. Amounts above this range and up to 1,022 SBU ($492,604) will be financed at up to 80%.
Other categories such as acquisition of real estate other than housing allow loans up to $267,992; land purchases destined for housing can reach $128,694; and mortgage substitutions may go as high as $492,604.
The increase in the Unified Basic Salary also affects other BIESS lending products in 2026: unsecured personal loans now have a ceiling of $38,560—equal to eighty times the unified basic salary—while pledge-backed loans per operation are capped at $2,892 (six SBUs), with an accumulated client limit of $48,200 or one hundred SBUs.
These updates reflect BIESS’s stated commitment “to IESS affiliates and retirees by updating the maximum financing amounts of different sub-products according to the Unified Basic Salary.” The institution emphasizes that each increment in the SBU translates into higher available financing amounts for most mortgage products.
