stratification report for la hipotecaria s.a. de c.v el ... · november 2008 the la hipotecaria...

Stratification Report for La Hipotecaria S.A. de C.V

El Salvador

Personal Loans

November 2008

The La Hipotecaria personal loan portfolio was stratified on a variety of

axes to provide an overview of pool characteristics. Each characteristic

includes summary information as well as individual statistics by bucket.

The cutoff date is 11/30/2008.

Stratification ReportCutoff Date:

La Hipotecaria El Salvador - Personal Loans

11/30/2008November 2008

For La Hipotecaria El Salvador

Original Term

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOriginal Term

117 117WA (remaining balance):WA (original balance):24 360Max:Min:

44924 1,000 0.00%0.01% 0.00%1 12.00% 24 10

1,71736 2,300 0.02%0.02% 0.02%1 12.00% 36 27

29,55860 32,420 0.32%0.33% 0.35%9 11.88% 60 53

8,36772 10,000 0.09%0.10% 0.44%2 11.70% 72 57

9,10384 10,097 0.10%0.10% 0.54%3 11.14% 84 73

1,271,64596 1,570,254 13.98%15.87% 14.52%271 12.97% 96 70

7,749,352120 8,240,137 85.18%83.28% 99.70%937 11.65% 120 110

27,430360 27,765 0.30%0.28% 100.00%3 11.52% 360 348

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415

Print Date: 12/4/2008Page 1 of 20 ASSET TECHNOLOGIES



11/30/2008November 2008


Original Balance

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOriginal Balance

1,011,527 - 5,000 1,174,000 11.12%11.87% 11.12%350 12.37% 110 92

3,619,8485,000 - 10,000 3,956,443 39.79%39.99% 50.91%547 11.96% 117 103

2,163,39810,000 - 15,000 2,332,968 23.78%23.58% 74.69%194 11.85% 118 105

1,308,61715,000 - 20,000 1,390,561 14.38%14.05% 89.07%84 11.40% 118 108

994,23020,000 - 25,000 1,040,000 10.93%10.51% 100.00%52 11.52% 120 111

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Original Property Value

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOriginal Property Value

28,127Average:8,200 154,049Max:Min:

18,0135,000 - 10,000 20,605 0.20%0.21% 0.20%6 12.30% 107 89

610,96310,000 - 15,000 665,897 6.72%6.73% 6.91%132 12.04% 117 103

1,790,84415,000 - 20,000 1,967,366 19.68%19.88% 26.60%312 11.88% 117 104

1,541,40920,000 - 25,000 1,661,485 16.94%16.79% 43.54%232 11.77% 116 103

1,214,43225,000 - 30,000 1,320,172 13.35%13.34% 56.89%160 12.04% 118 105

937,70430,000 - 35,000 1,021,140 10.31%10.32% 67.20%105 11.72% 117 105

707,65335,000 - 40,000 763,937 7.78%7.72% 74.98%72 11.85% 119 107

527,53840,000 - 45,000 578,991 5.80%5.85% 80.77%52 11.93% 113 98

364,12245,000 - 50,000 397,985 4.00%4.02% 84.78%36 11.62% 116 105

299,79350,000 - 55,000 317,237 3.30%3.21% 88.07%28 11.80% 115 106

209,32555,000 - 60,000 233,584 2.30%2.36% 90.37%21 12.42% 113 95

286,62660,000 - 65,000 304,604 3.15%3.08% 93.52%22 11.79% 115 105

177,63765,000 - 70,000 195,085 1.95%1.97% 95.48%14 11.38% 117 105

173,64070,000 - 75,000 187,612 1.91%1.90% 97.38%13 11.79% 116 104

79,03075,000 - 80,000 84,253 0.87%0.85% 98.25%8 11.84% 116 105

38,50480,000 - 85,000 40,000 0.42%0.40% 98.68%2 11.25% 120 112

38,19685,000 - 90,000 43,270 0.42%0.44% 99.10%4 11.75% 115 97

28,12090,000 - 95,000 30,000 0.31%0.30% 99.41%2 10.83% 120 109

12,70395,000 - 100,000 14,500 0.14%0.15% 99.55%2 11.66% 104 87

28,683100,000 - 105,000 30,000 0.32%0.30% 99.86%2 11.33% 120 112

4,909120,000 - 125,000 6,250 0.05%0.06% 99.91%1 12.00% 96 67

7,778150,000 - 155,000 10,000 0.09%0.10% 100.00%1 14.00% 96 67

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Original Loan To Value

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOriginal LoanTo Value

122.17% 122.66WA (remaining balance):WA (original balance):15.00% 201.00%Max:Min:

19,23615 %- 20% 21,730 0.21%0.22% 0.21%6 13.21% 100 82

4,42820 %- 25% 5,000 0.05%0.05% 0.26%1 16.00% 96 70

48,92725 %- 30% 53,565 0.54%0.54% 0.80%8 12.46% 109 94

57,35030 %- 35% 62,680 0.63%0.63% 1.43%6 12.12% 112 99

27,51835 %- 40% 34,621 0.30%0.35% 1.73%5 13.21% 97 69

37,82840 %- 45% 42,725 0.42%0.43% 2.15%7 12.43% 109 92

25,78045 %- 50% 29,975 0.28%0.30% 2.43%5 12.43% 108 89

47,04850 %- 55% 51,435 0.52%0.52% 2.95%7 12.29% 112 98

32,56255 %- 60% 35,050 0.36%0.35% 3.31%4 11.48% 116 104

24,26560 %- 65% 27,500 0.27%0.28% 3.57%6 13.42% 104 83

77,36165 %- 70% 85,705 0.85%0.87% 4.42%14 11.84% 112 95

29,28370 %- 75% 35,815 0.32%0.36% 4.74%7 12.03% 115 100

91,78775 %- 80% 101,818 1.01%1.03% 5.75%16 11.65% 115 104

82,33180 %- 85% 92,765 0.90%0.94% 6.66%17 11.60% 115 104

126,60985 %- 90% 135,250 1.39%1.37% 8.05%16 11.50% 118 107

109,90490 %- 95% 124,859 1.21%1.26% 9.26%23 11.99% 115 100

177,72495 %- 100% 196,420 1.95%1.99% 11.21%44 11.98% 113 99

393,177100 %- 105% 442,858 4.32%4.48% 15.53%89 12.25% 112 98

530,493105 %- 110% 597,617 5.83%6.04% 21.36%116 12.35% 110 93

927,571110 %- 115% 1,047,600 10.20%10.59% 31.56%162 12.06% 113 97

557,073115 %- 120% 614,652 6.12%6.21% 37.68%78 12.14% 115 102

1,093,872120 %- 125% 1,173,839 12.02%11.86% 49.71%138 11.75% 118 107

1,106,041125 %- 130% 1,183,554 12.16%11.96% 61.86%130 11.76% 118 107

1,040,421130 %- 135% 1,113,659 11.44%11.26% 73.30%106 11.70% 123 112

615,280135 %- 140% 659,000 6.76%6.66% 80.06%65 11.71% 118 106

531,791140 %- 145% 569,309 5.85%5.75% 85.91%50 11.68% 117 104

325,985145 %- 150% 346,424 3.58%3.50% 89.49%28 11.69% 117 105

268,654150 %- 155% 285,221 2.95%2.88% 92.45%20 11.38% 119 108

177,363155 %- 160% 186,830 1.95%1.89% 94.39%16 11.45% 120 109

75,553160 %- 165% 80,479 0.83%0.81% 95.23%7 12.15% 120 106

118,428165 %- 170% 124,696 1.30%1.26% 96.53%9 11.32% 120 110

92,259170 %- 175% 97,000 1.01%0.98% 97.54%6 11.32% 120 111

45,786175 %- 180% 46,833 0.50%0.47% 98.04%3 11.82% 120 112

70,845180 %- 185% 74,900 0.78%0.76% 98.82%5 11.35% 120 111

6,836185 %- 190% 7,425 0.08%0.08% 98.90%1 12.00% 120 107

65,706190 %- 195% 69,364 0.72%0.70% 99.62%4 11.73% 120 110

19,590195 %- 200% 20,000 0.22%0.20% 99.84%1 11.00% 120 117

14,954200 %- 205% 15,800 0.16%0.16% 100.00%1 11.00% 120 114




11/30/2008November 2008


Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Current Loan To Value

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansCurrent LoanTo Value

34.83% 35.48%WA (remaining balance):WA (original balance):0.08% 104.89%Max:Min:

33,1220 %- 5% 86,346 0.36%0.87% 0.36%25 12.38% 106 87

269,1425 %- 10% 343,982 2.96%3.48% 3.32%92 12.40% 107 88

505,30310 %- 15% 586,763 5.55%5.93% 8.88%127 12.53% 106 87

1,000,34015 %- 20% 1,127,943 11.00%11.40% 19.87%199 12.26% 110 93

764,22420 %- 25% 825,758 8.40%8.35% 28.27%103 12.02% 118 104

1,029,72125 %- 30% 1,097,313 11.32%11.09% 39.59%137 11.96% 118 106

1,478,85030 %- 35% 1,571,152 16.26%15.88% 55.85%174 11.73% 119 108

1,108,26835 %- 40% 1,176,425 12.18%11.89% 68.03%111 11.72% 119 108

803,07440 %- 45% 855,024 8.83%8.64% 76.86%84 11.62% 121 109

602,02245 %- 50% 639,968 6.62%6.47% 83.47%56 11.72% 118 107

384,51050 %- 55% 408,330 4.23%4.13% 87.70%34 11.51% 117 106

314,25655 %- 60% 330,077 3.45%3.34% 91.15%25 11.38% 120 110

200,69460 %- 65% 211,110 2.21%2.13% 93.36%18 11.53% 120 110

141,80565 %- 70% 150,439 1.56%1.52% 94.92%11 11.50% 120 108

121,83070 %- 75% 127,472 1.34%1.29% 96.26%8 11.30% 120 112

59,18275 %- 80% 62,100 0.65%0.63% 96.91%4 11.18% 120 111

109,60280 %- 85% 114,175 1.20%1.15% 98.11%8 11.13% 120 113

89,53785 %- 90% 93,690 0.98%0.95% 99.10%6 11.97% 120 110

18,35190 %- 95% 20,000 0.20%0.20% 99.30%1 12.00% 120 105

29,24495 %- 100% 30,107 0.32%0.30% 99.62%2 10.70% 120 115

34,543100 %- 105% 35,800 0.38%0.36% 100.00%2 11.00% 120 116

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Original Borrower Rate

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOriginal Borrower Rate


1,576,24910.50% - 10.75% 1,647,667 17.33%16.65% 17.33%183 10.50% 121 115

2,506,10811.00% - 11.25% 2,592,634 27.55%26.20% 44.87%272 11.00% 119 114

30,99711.50% - 11.75% 31,585 0.34%0.32% 45.21%3 11.50% 120 117

3,304,67412.00% - 12.25% 3,712,166 36.32%37.52% 81.54%479 11.96% 116 99

1,534,73814.00% - 14.25% 1,741,955 16.87%17.61% 98.41%256 13.80% 110 91

144,85316.00% - 16.25% 167,966 1.59%1.70% 100.00%34 15.93% 104 83

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Remaining Term

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansRemaining Term

104 105WA (remaining balance):WA (original balance):10 358Max:Min:

71,834 - 59 90,811 0.79%0.92% 0.79%21 12.16% 79 55

8,984,04860 - 119 9,761,062 98.75%98.66% 99.54%1,202 11.86% 116 104

14,308120 - 179 14,335 0.16%0.14% 99.70%1 11.50% 120 120

27,430300 - 359 27,765 0.30%0.28% 100.00%3 11.52% 360 348

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Remaining Balance

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansRemaining Balance

1,405,967 - 5,000 1,671,535 15.45%16.89% 15.45%440 12.43% 109 91

3,677,0835,000 - 10,000 3,970,153 40.42%40.13% 55.87%506 11.86% 117 104

2,186,45310,000 - 15,000 2,343,061 24.03%23.68% 79.91%179 11.73% 118 106

1,828,11615,000 - 20,000 1,909,224 20.09%19.30% 100.00%102 11.36% 120 111

Total 11.82% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Current Borrower Rate

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansCurrent Borrower Rate


9,5999.00% - 9.25% 10,950 0.11%0.11% 0.11%2 9.00% 109 90

1,599,85510.50% - 10.75% 1,678,667 17.59%16.97% 17.69%186 10.50% 121 115

2,588,64011.00% - 11.25% 2,687,562 28.45%27.16% 46.14%282 11.00% 119 112

79,25611.50% - 11.75% 84,750 0.87%0.86% 47.02%9 11.50% 119 107

3,266,83712.00% - 12.25% 3,660,185 35.91%36.99% 82.92%475 12.00% 116 99

1,413,53514.00% - 14.25% 1,609,824 15.54%16.27% 98.46%240 14.00% 110 91

139,89916.00% - 16.25% 162,036 1.54%1.64% 100.00%33 16.00% 105 84

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Origination Year

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansOrigination Year

66,0612005 89,286 0.73%0.90% 0.73%17 12.26% 96 59

862,4582006 1,090,151 9.48%11.02% 10.21%193 13.00% 96 69

3,904,4592007 4,283,004 42.92%43.29% 53.12%538 12.59% 119 103

4,264,6422008 4,431,533 46.88%44.79% 100.00%479 10.86% 120 114

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Property Type

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansProperty Type

9,097,620SFH 9,893,973 100.00%100.00% 100.00%1,227 11.86% 117 104

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Loan Purpose

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansLoan Purpose

7,586,794Cash Out Refinance 8,272,523 83.39%83.61% 83.39%1,035 11.86% 116 103

741,815New Property 806,441 8.15%8.15% 91.55%98 12.04% 114 102

769,012Used Property 815,009 8.45%8.24% 100.00%94 11.62% 121 112

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Current Delinquency Status

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansDelinquency Status

8,355,065Current 9,086,006 91.84%91.83% 91.84%1,102 11.78% 117 105

309,00730 335,626 3.40%3.39% 95.23%48 12.65% 110 92

180,39360 196,800 1.98%1.99% 97.22%29 12.54% 109 90

156,94790 171,492 1.73%1.73% 98.94%29 12.87% 108 85

43,435120 48,581 0.48%0.49% 99.42%11 13.03% 105 79

12,054150 13,050 0.13%0.13% 99.55%3 12.27% 101 76

29,103180 30,218 0.32%0.31% 99.87%3 12.85% 108 89

7,699210 8,000 0.08%0.08% 99.96%1 12.00% 120 102

3,917300 4,200 0.04%0.04% 100.00%1 11.00% 96 74

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


State

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansState

35,544Unknown 37,600 0.39%0.38% 0.39%3 10.64% 118 108

78,264Ahuachapan 82,490 0.86%0.83% 1.25%11 11.21% 120 111

8,005Chalatenango 8,700 0.09%0.09% 1.34%1 12.00% 120 103

53,783Cuscatlan 56,912 0.59%0.58% 1.93%7 12.29% 119 107

1,814,677La Libertad 1,984,233 19.95%20.05% 21.88%253 12.12% 118 103

112,821La Paz 121,887 1.24%1.23% 23.12%15 11.50% 116 103

24,284San Miguel 26,500 0.27%0.27% 23.38%2 11.43% 110 96

5,575,767San Salvador 6,078,173 61.29%61.43% 84.67%742 11.84% 116 103

42,047San Vicente 45,160 0.46%0.46% 85.13%6 11.37% 116 103

1,160,337Santa Ana 1,237,961 12.75%12.51% 97.89%152 11.59% 120 108

163,696Sonsonate 183,087 1.80%1.85% 99.69%31 12.03% 113 100

28,396Usulutan 31,270 0.31%0.32% 100.00%4 12.16% 118 101

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


District

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansDistrict

35,544Unknown 37,600 0.39%0.38% 0.39%3 10.64% 118 108

12,312ACAJUTLA 12,675 0.14%0.13% 0.53%1 11.00% 120 115

51,915AHUACHAPAN 54,950 0.57%0.56% 1.10%8 11.10% 120 110

69,098ANTIGUO CUSCATLAN 74,640 0.76%0.75% 1.86%7 11.77% 117 104

128,413APOPA 144,312 1.41%1.46% 3.27%19 11.48% 115 101

14,373ARMENIA 15,410 0.16%0.16% 3.43%2 12.99% 120 108

26,348ATIQUIZAYA 27,540 0.29%0.28% 3.72%3 11.43% 120 112

277,679AYUTUXTEPEQUE 300,953 3.05%3.04% 6.77%31 12.17% 118 103

7,606CANDELARIA LA FRONTERA 8,050 0.08%0.08% 6.85%1 14.00% 120 108

8,005CHALATENANGO 8,700 0.09%0.09% 6.94%1 12.00% 120 103

82,841CHALCHUAPA 87,787 0.91%0.89% 7.85%12 11.64% 119 108

4,526CIUDAD ARCE 4,900 0.05%0.05% 7.90%1 12.00% 120 104

135,045CIUDAD DELGADO 148,055 1.48%1.50% 9.38%17 11.86% 115 103

92CIUDAD MERLIOT 2,420 0.00%0.02% 9.38%1 12.00% 96 71

53,783COJUTEPEQUE 56,912 0.59%0.58% 9.98%7 12.29% 119 107

124,180COLON 138,680 1.36%1.40% 11.34%17 11.97% 116 102

2,157COMASAGUA 2,395 0.02%0.02% 11.36%1 12.00% 120 105

168,713CUSCATANCINGO 193,650 1.85%1.96% 13.22%28 11.65% 115 102

311,464ILOPANGO 335,504 3.42%3.39% 16.64%40 11.78% 114 102

21,285IZALCO 25,083 0.23%0.25% 16.88%5 12.81% 102 82

6,624JUAYUA 6,950 0.07%0.07% 16.95%1 10.50% 120 110

542,762LOURDES 576,749 5.97%5.83% 22.92%70 11.83% 120 109

1,074,769MEJICANOS 1,183,719 11.81%11.96% 34.73%135 11.99% 115 101

133,333METAPAN 140,926 1.47%1.42% 36.19%18 11.27% 119 108

107,352NEJAPA 117,022 1.18%1.18% 37.37%19 12.40% 113 98

92,934NUEVA SAN SALVADOR 97,375 1.02%0.98% 38.40%10 12.04% 120 109

4,969NUEVO CUSCATLAN 6,000 0.05%0.06% 38.45%1 14.00% 96 62

45,984OLOCUILTA 49,248 0.51%0.50% 38.96%6 11.58% 118 103

11,366PUERTO LA LIBERTAD 12,097 0.12%0.12% 39.08%1 10.50% 120 110

118,933QUEZALTEPEQUE 130,001 1.31%1.31% 40.39%17 11.47% 114 102

17,003SAN ANTONIO DEL MONTE 18,740 0.19%0.19% 40.58%6 12.85% 103 90

6,442SAN ANTONIO PAJONAL 6,950 0.07%0.07% 40.65%1 12.00% 120 107

97,779SAN JACINTO 107,304 1.07%1.08% 41.72%16 12.13% 115 100

341,556SAN JUAN OPICO 372,805 3.75%3.77% 45.48%54 12.37% 121 105

203,755SAN MARCOS 217,566 2.24%2.20% 47.72%27 11.78% 117 105

252,006SAN MARTIN 268,737 2.77%2.72% 50.49%43 11.50% 118 106

24,284SAN MIGUEL 26,500 0.27%0.27% 50.75%2 11.43% 110 96

1,576,204SAN SALVADOR 1,719,453 17.33%17.38% 68.08%174 11.95% 115 103

35,667SAN SEBASTIAN

SALITRILLO

37,929 0.39%0.38% 68.47%6 11.95% 120 106

42,047SAN VICENTE 45,160 0.46%0.46% 68.93%6 11.37% 116 103




11/30/2008November 2008


894,447SANTA ANA 956,319 9.83%9.67% 78.76%114 11.60% 120 109

463,128SANTA TECLA 519,203 5.09%5.25% 83.85%67 12.54% 113 97

87,988SANTO TOMAS 94,900 0.97%0.96% 84.82%9 11.14% 119 113

66,040SONSONATE 76,134 0.73%0.77% 85.55%13 11.88% 114 100

26,059SONZACATE 28,095 0.29%0.28% 85.83%3 11.53% 120 107

873,650SOYAPANGO 946,995 9.60%9.57% 95.44%136 11.64% 116 103

280,949TONACATEPEQUE 300,003 3.09%3.03% 98.52%48 11.57% 118 106

28,396USULUTAN 31,270 0.31%0.32% 98.84%4 12.16% 118 101

66,837ZACATECOLUCA 72,639 0.73%0.73% 99.57%9 11.45% 115 103

38,976ZARAGOZA 46,968 0.43%0.47% 100.00%6 12.17% 115 98

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Payment Method

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansPayment Method

553,474ACH 681,998 6.08%6.89% 6.08%119 13.45% 100 75

8,069,400DD 8,690,035 88.70%87.83% 94.78%1,035 11.72% 118 106

474,746VOL 521,940 5.22%5.28% 100.00%73 12.09% 113 97

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Project

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentageRemaining BalancePercentageOriginal BalanceLoansProject

153,456CIUDAD VERSAILLES 169,050 1.69%1.71% 1.69%30 12.76% 111 93

68,789ALTAVISTA 75,355 0.76%0.76% 2.44%13 12.39% 117 100

93,042URB. SANTA ANA NORTE 98,476 1.02%1.00% 3.47%13 11.77% 118 106

94,521RESIDENCIAL LA GLORIA 108,847 1.04%1.10% 4.50%9 12.76% 109 89

50,701RESIDENCIAL SEVILLA 53,652 0.56%0.54% 5.06%9 11.53% 110 101

48,551URB. NUEVO LOURDES 52,393 0.53%0.53% 5.60%9 11.98% 118 104

52,751URB. ALTAVISTA 54,325 0.58%0.55% 6.18%7 10.99% 120 115

39,772CENTRO URBANO JOSE S. CAÑAS 44,060 0.44%0.45% 6.61%6 12.00% 115 98

44,539URB. BOSQUES DE PURSIA 47,564 0.49%0.48% 7.10%6 11.81% 118 106

31,494URB. CIUDAD FUTURA 34,132 0.35%0.34% 7.45%6 11.46% 112 97

32,826URB. JARDINES DEL VOLCAN II 36,050 0.36%0.36% 7.81%6 11.62% 115 105

27,572URB. LAS MARGARITAS 29,631 0.30%0.30% 8.11%6 11.94% 118 105

42,906URB. PORTICOS DE SAN RAMON 48,262 0.47%0.49% 8.58%6 11.91% 112 94

8,316,699Otros 9,042,176 91.42%91.39% 100.00%1,101 11.83% 117 104

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415




11/30/2008November 2008


Loan Type

Remaining Term (WA)Original Term (WA)Interest Rate (WA)CumulativePercentRemaining BalancePercentOriginal BalanceLoansLoan Type

8,793,196B 9,564,288 96.65%96.67% 96.65%1,191 11.84% 117 104

304,424C 329,685 3.35%3.33% 100.00%36 12.22% 112 99

Total 11.86% 117 1049,893,973 9,097,6201,227 100.00%

Minimum 9.00% 24 10817 21

Maximum 16.00% 360 35820,000 19,996

Average 8,064 7,415


stratification report for la hipotecaria s.a. de c.v el ... · november 2008 the la hipotecaria...

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