If you don't belong to the National Savings Fund, you can also finance your home, but by following these steps
Periodsita Portafolio 02/13/2026 17:32 Updated: 02/13/2026 17:32
TL;DR
- The National Savings Fund (FNA) is a Colombian entity that manages severance pay and promotes savings for homeownership.
- Workers can access credits from the FNA to purchase properties.
- It is not mandatory to have severance pay with the FNA to access a credit.
- Contractual Voluntary Savings can be used to demonstrate financial discipline and qualify for a credit.
- This savings can be deposited monthly over a year or as a lump sum.
- The scheme targets individuals seeking their first home under VIS or VIP categories, new or used.
- Applicants need a recognized savings history and must meet credit risk evaluation, income, and economic stability policies.
- The FNA offers a financing scheme that eliminates the down payment for VIS and VIP housing, covering up to 100% of the property value.
- This policy aims to broaden formal housing access for low-income households and overcome a historical barrier.
- This new policy removes the traditional requirement of a prior savings down payment for mortgage credits.