Mortgage loan
We offer a range of loan options designed to meet your specific needs, whether you are looking to purchase a new home, improve your current one, or consolidate your mortgage debts. Discover our loan options and learn how we can help you achieve your housing goals.
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What is it?
We offer a range of loan options designed to meet your specific needs, whether you are looking to purchase a new home, improve your current one, or consolidate your mortgage debts. Discover our loan options and learn how we can help you achieve your housing goals."
Benefits
- 1
No penalties will be imposed for total or partial prepayment.
- 2
You may request a loan for:
- Compra de vivienda nueva.
- Compra de vivienda usada.
- Compra de cartera Hipotecario de entidades financieras vigiladas por la Superintendencia Financiera de Colombia, entidades de primer nivel vigiladas por la Superintendencia de Economía Solidaria y Cajas de Compensación Familiar que desarrollen proyectos de vivienda.
- Construcción de vivienda en sitio propio.
- Crédito para Mejora de Vivienda: podrás solicitarlo para Ampliación, Modificación, Reforzamiento Estructural, Remodelación o Reparaciones.
- 3
You may submit a joint application with another affiliate, provided that both can demonstrate income.
- 4
If you require a higher amount under the Individual Loan or Leasing Habitacional offer, you may submit your application with a joint and several debtor, whether affiliated or not. Each party must demonstrate their income by attaching the required documents according to the selected product.
- 5
Access to Life, Unemployment (Cesantías-backed loans), and Fire Insurance policies, which offer favorable terms and conditions for FNA affiliates who are loan beneficiaries.
- 6
You may apply for a loan in UVR or COP.
- 7
Extended financing terms.
Mortgage loan stages and timeframes
Advisory - 1 hour
The client is provided with information regarding housing financing, and the corresponding documents are received.
Filing - 7 days
The accuracy of the form completion and the supporting documentation provided is verified.
Analysis - 6 days
A loan or leasing offer is made in accordance with the entity's policies and the financial consumer's ability to pay.
Legalization - 75 days
These timeframes include the periods involving third parties such as the affiliates (notaries and public instruments registry offices).
Disbursement - 3 days
The loan disbursement is carried out.
How do I become an affiliate?
Contact an advisor
Have questions? Get in touch now and receive personalized advice.
Affiliate online
You may now become a member of Fondo Nacional del Ahorro virtually, with just one click.
Affiliate in person
Visit a service point with a photocopy of your ID card and complete the Affiliation Form.
Types of loan
New Housing Purchase Loan
We offer financing with excellent terms and interest rates so you can move into your new home with ease.
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Used Housing Purchase Loan
We provide you with the opportunity to acquire a used home that fits your needs.
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Construction on Own Lot
If you already own a lot, we offer the financing you need to build the home of your dreams.
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Mortgage Portfolio Purchase
We purchase your mortgage portfolio to help you continue pursuing your housing dream.
Learn moreHome Improvement Loan
This loan is designed to enable you to carry out renovations and improvements that increase the value and comfort of your current home.
Learn moreRequirements and documents
- Photocopy of identification document.
- Frech form.
- Housing financing application form fully completed, without erasures or strikethroughs.
- Income Tax Return or Income and Withholdings Certificate (CIR) for the most recent taxable year, as applicable.
- Employment certificate issued no more than 60 days prior. Within the last twelve (12) months, the applicant must demonstrate at least six (6) months of income for indefinite-term contracts or eight (8) months of income for contracts other than indefinite-term.
- Payroll/income/pension stubs for the last three (3) months.
- Certificate of the monthly salary for the substantive position, for affiliates currently serving in an interim capacity.
- FNA may request additional documentation (specific to the economic activity) that it deems necessary for the analysis of the loan application, in order to make sound decisions regarding credit risk mitigation.
Additional documentation
Other Services
