1
Gather Your Documentation
Required: certification or documentation proving your status as a victim of the August 10, 2026 earthquake.
Support for Members Affected by the August 10, 2026 Earthquake
If your home or project was affected by the August 10, 2026 earthquake and you have an active loan with the Fondo Nacional del Ahorro (FNA), you may apply for financial relief measures designed to help you meet your repayment obligations.
Who Can Apply for Relief Measures?
The relief measures may be requested by affiliates who:
✓Have an active loan with the FNA, whether current or delinquent.
✓Have been affected by the earthquake that occurred on August 10, 2026.
✓Be officially recognized as disaster victims by the competent authority.
✓Be located in one of the departments included in the disaster declaration.
the map or list of affected departments to verify whether your location is covered by the program.
How to Apply for Relief
2
Prepare Your Information
- Full name.
- ID number.
- Type of relief measure you wish to request.
If you are unsure which option best fits your situation, you may request guidance to receive information about the available relief measures.
3
Submit Your Request
Send an email to 3A%0A%0AAdjunto%20certificaci%C3%B3n%20de%20damnificado.">contactenos@fna.gov.co and include your full name, ID number, proof of disaster victim status, and the relief measure you wish to request, or a request for guidance.
Program validity: relief measures will be available from August 11, 2026, through August 11, 2027.
Relief Measures for Housing Loans
If you have a housing loan with the FNA, you may be eligible for one of the following options:
Option 1
Modification of Loan Terms
Allows adjustments to your loan conditions to facilitate repayment. The following may be evaluated:
- Extension of the loan term.
- Adjustments to the repayment structure.
- Other changes based on your financial situation.
Additional Benefits
- No regular or late-payment interest will be charged during the special relief period.
- The transaction will not be reported as a restructured or modified loan.
- No negative credit bureau reporting during the 12 months following relief approval.
Option 2
Interest Waiver
For those who meet the established requirements, the FNA may apply:
- Waiver of regular interest charges.
- Waiver of late-payment interest charges.
This benefit covers the period from August 11, 2026, until the relief measure is formalized, for up to 90 days.
Option 3
Grace Period
Allows the temporary suspension of principal, interest, and insurance payments.
- Up to 6 months of grace period.
- Deferred amounts may be rescheduled later without exceeding the final loan maturity date.
- The measure requires the affiliate's express acceptance.
Additional protection for delinquent loans. If your loan was delinquent at the time of the earthquake and met the conditions defined by the program, no legal collection proceedings will be initiated, and administrative collection actions will be suspended while the measure remains in effect.
Relief Measures for Builder Loans
Builders affected by the earthquake may also access financial support alternatives.
Modification of Loan Terms
Allows the evaluation of changes to current loan conditions according to the project's situation and the FNA's current policies.
Interest Waiver
The suspension of regular and late-payment interest charges may be applied during the special relief period.
Additional Benefits
- No classification as a restructured or modified loan.
- No negative credit bureau reporting during the 12 months following the completion of the relief process.
Important Information
✓You must provide proof of your status as a disaster victim.
✓The relief measure is subject to evaluation and compliance with requirements.
✓The request must be submitted within the program validity period.
✓Each case will be analyzed according to the specific conditions of the loan.
Were You Affected by the August 10, 2026 Earthquake?
Request your financial relief measure by sending your documentation to:
Our team will evaluate your case and guide you through the available options.
How to File an Insurance Claim?
Fire and Earthquake Insurance
If you have an active loan and your home was damaged by the earthquake, the fire and earthquake insurance coverage protects you.
What It Covers
- Up to 100% of the insured value, with no deductible, under the terms of the policy.
- Total loss: compensation is provided for the insured value of the home, excluding the land, furniture, and household belongings.
- Partial loss: the cost of necessary repairs is covered according to the contracted policy coverage.
Support During the Claim Process
- Advance payment of up to 50% of the compensation amount.
- Rental assistance of up to COP $2,200,000 per month, for a maximum of three months, if your home becomes uninhabitable.
How to Report the Damage?
1
Report the Loss
Within 90 days from the date you became aware of the damage.
2
Submit the Claim
Up to 2 years from the date of the loss, with all required documentation.
3
Receive a Response
HDI Insurance will respond within one month after receiving all required documentation.
Submit Your Claim
Send an email to reclamacionseguros@fna.gov.co or submit your claim at any FNA service point, along with the following documents:
- Claim letter.
- Citizenship ID card.
- Repair cost estimate.
- Photographs of the damage.
- Report from the competent authority if the home is uninhabitable.
Before you begin: document the damage with photos or videos, provided doing so does not put you or others at risk, and avoid making permanent repairs before the adjuster’s inspection. The adjuster is the professional responsible for inspecting and assessing the property to determine the scope of your claim.