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The delinquency rate of the Fondo Social para la Vivienda remains low, demonstrating a healthy loan portfolio and good payment behavior among Salvadorans who have taken out housing loans.
Housing Minister Michelle Sol reported that as of the end of march 2026, the rate stood at 1.89%, confirming the institution’s financial stability and the users’ compliance with their obligations.
A key indicator for measuring risk
The delinquency rate is a parameter that allows for the evaluation of what percentage of loans are in arrears. When this rate remains low, it means that most clients are making their payments on time, reducing the financial risk for the institution.
In the case of the Fondo Social para la Vivienda (FSV) the data shows a stable trend between december 2025 and march 2026, with delinquency rates remaining below 2%, considered healthy within the financial sector.
Positive payment behavior
The official highlighted that these results reflect the commitment of salvadoran families to paying their housing loans. Although the FSV also provides financing to people with variable incomes, the compliance rate remains high.
This suggests that, even in segments with greater economic vulnerability, users prioritize paying their installments, which contributes to the sustainability of the housing finance system.
Financial inclusion with stability
One of the most relevant aspects is that the FSV does not limit its offerings solely to people with fixed incomes but also provides access to credit for self-employed workers or those with variable incomes.
Even so, delinquency levels remain under control, indicating that the credit assessment and granting model is working effectively, balancing access to housing with risk management.
Positive sign for the housing sector
The low delinquency rate is also a positive sign for the construction and housing sector in the country, as it reflects confidence in the financing system and stability in households’ ability to pay.
Overall, the data for the first quarter of 2026 show that the FSV maintains a healthy portfolio, supported by user compliance and sound financial management, which allows it to continue expanding access to housing solutions in El Salvador.
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