Home loans are loans from the credit institution to the customer, for a previously established period of time, used for the acquisition or construction of permanent or secondary residential property or residential leased property.

They also include credit agreements for the acquisition or maintenance of property rights over existing or projected land or buildings and loans for the downpayment due under the future acquisition of property for permanent or secondary residential property or residential leased property.

As a rule, home loans are guaranteed by a mortgage on the property.