The Ecuadorian Social Security Institute's Bank (Biess) provides several mortgage credit lines targeted at affiliates and retirees interested in financing their homes, land, or commercial properties, as well as for construction and renovations. The offerings are structured with advantageous terms to facilitate access to ownership of residential and commercial real estate.

One prominent product available is the 'Vivienda Premier' mortgage designed for the purchase of new and first-use homes. This mortgage option features an attractive interest rate of 2.99%, allows financing of up to $50,000 (including expenses), and offers a maximum repayment term of 25 years, thereby making it accessible for many potential homeowners. Biess employs an entirely online prequalification process to streamline applications, ensuring efficiency and accessibility for applicants.

The eligibility criteria for this mortgage include a requirement for applicants to report a monthly family income of no more than $1,527.94, which corresponds to 3.17 unified basic salaries (SBU). The loan is specifically designed for primary residences and stipulates that applicants must not exceed this income threshold to qualify, emphasizing the program's focus on supporting low to middle-income families in their efforts to secure a home.