Savings
Just click on digital enrollment or visit a service point, present a photocopy of your ID document and fill out the Single Enrollment Application Form.
Enroll now!
What is AVC?
Our Ahorro Voluntario Contractual (AVC) is a monthly savings plan aimed at self-employed individuals, salaried employees in certain segments, and Colombians abroad. Through a contract with FNA, you commit to making deposits for a specified amount and period, with the goal of reaching your savings target, which can serve as a basis for applying for a loan or a housing leasing contract.
Main benefits
Possibility of applying for a mortgage loan or housing leasing to buy a home.
Flexible date: Pay your savings installment any day of the month.
Pay digitally via PSE or in person with your PIN at our partner banks.
Build a savings habit to reach your goals.
Interest on saved funds of 2% E. A.
We do not charge for administration or withdrawals.
Main features
Contract term
Traditional AVC: (12) twelve months.
AVC with special conditions: (9) nine months or (12) twelve months depending on the financial consumer.
Total amount
It may not be lower than the equivalent of the average monthly income declared by the member, and may not be lower than 1.2 SMMLV as of the contract signing date.
Loan application
Through the Ahorro Voluntario Contractual, the member may submit a housing loan application and will be closer to achieving the goal of owning their own home.
Who is it for?
For all Colombians of legal age!
If you live abroad, you can also enroll. More information here.
Requirements
- Single Enrollment Form fully filled out.
- Legible photocopy of your Cédula de ciudadanía.
Financial Inclusion
The Ahorro Voluntario Contractual promotes and consolidates a culture of saving and fosters the integration into the financial system of the population linked to the informal market.
Contract term
Traditional AVC: (12) twelve months.
AVC with special conditions: (9) nine months or (12) twelve months depending on the financial consumer.
Total amount
It may not be lower than the equivalent of the average monthly income declared by the member, and may not be lower than 1.2 SMMLV as of the contract signing date.
Loan application
Through the Ahorro Voluntario Contractual, the member may submit a housing loan application and will be closer to achieving the goal of owning their own home.
Who is it for?
For all Colombians of legal age!
If you live abroad, you can also enroll. More information here.
Requirements
- Single Enrollment Form fully filled out.
- Legible photocopy of your Cédula de ciudadanía.
Financial Inclusion
The Ahorro Voluntario Contractual promotes and consolidates a culture of saving and fosters the integration into the financial system of the population linked to the informal market.
How do I enroll?
Now you can become part of Fondo Nacional del Ahorro virtually and with a single click. Take advantage of this opportunity and start saving with our AVC and make the dream of owning your own home a reality. Join today and enjoy exclusive benefits and personalized service from the comfort of your home.
Contact an advisor
Have questions? Get in touch now and receive personalized advice.
Enroll virtually
Now you can become part of Fondo Nacional del Ahorro virtually and just a click away.
Enroll in person
Visit a service point with a photocopy of your Cédula and fill out the Enrollment Form.
Types of Ahorro Voluntario (AVC)
Payment methods
The financial consumer can make their payment in 2 ways:
Nota: For Colombians Abroad (CRE), payment can only be made through Western Union.
Other services
Discover more features of our portal.
